It’s the summer of Barbie. The movie release date is set for July 21, but the celebration of the iconic doll is going all season with pop-up exhibitions and hotel promotions.
If you want to travel to your own Barbie dream world, here are the best Barbie-inspired trips you can take this summer:
1. World of Barbie: Santa Monica, California
The World of Barbie in Santa Monica, California, is a temporary exhibition that takes people into Barbie’s world, including a real-life version of her Dreamhouse, camper van, space shuttle and TV studio. There’s also a gallery portion with vintage Barbie dolls and cars on display.
The exhibit is mainly a giant photo opportunity, with some interactive activities for kids, like a ball pit, and even a salon with real stylists on certain days. If you want a unique souvenir, consider building your own custom Barbie set from scratch for an additional fee.
Ticket prices run from $35 to $50 per adult and $25 to $32 per child. The exhibit is open through early September.
2. Malibu Barbie Cafe: Chicago and New York
Barbie apparently eats rainbow pancakes, beach burgers and candied bacon at the Malibu Barbie Cafe. The Barbie-inspired restaurant is operating in Chicago and New York with a menu by Chef Becky Brown, who was a semifinalist on MasterChef.
And there’s more to do at the Barbie restaurant than just eat. At the Chicago location, there’s a roller skating rink. Both sites have a gift shop, plus plenty of Instagram-worthy sets designed for you to have your own Barbie-inspired photo shoot.
Both restaurant locations are temporary, with tickets available through mid-September.
3. The Barbie room at The Curtis Hotel: Denver
You can book a Barbie-themed hotel room at The Curtis Hotel in downtown Denver. Though the hotel has a boutique feel, it’s actually part of the DoubleTree by Hilton brand.
This hotel has standard rooms as well as themed rooms, including one dedicated to Barbie. The themed rooms typically cost about $50 to $60 more per night than standard rooms, according to hotel spokesperson Tamara Atkin.
The Barbie room is decorated with images of the iconic dolls and has a salon chair inside. And unlike the other temporary offerings, The Curtis Hotel’s Barbie room is a permanent fixture. Though, for a limited time, guests also receive a complimentary makeup case and a voucher for a martini from the hotel bar when they book.
4. The Don CeSar: St. Pete Beach, Florida
This beachfront resort isn’t officially considered a Barbie hotel, but the Don CeSar is known as the “Pink Palace.” It exudes historical charm with a famous pink exterior.
Ron Sandel, general manager of HotelTonight, said in an email that the hotel has seen a 30% increase in bookings this year versus last.
“With Barbie mania in full effect this summer, we’re not surprised to see HotelTonight users book the pink-walled hotel,” he said. “In addition to being steps away from one of the best beaches in the country, we love Don CeSar for its 1950s-style ice cream parlor.”
5. The Ken Dreamhouse on Airbnb: Malibu, California
Only a handful of lucky people will get a chance to stay in what might be the ultimate Airbnb: Barbie’s Malibu Dreamhouse. The oceanfront mansion includes a disco dance floor and infinity pool.
Airbnb has run promotions for the glitzy house before, and this time, the vacation rental is decked out in honor of Barbie’s beau, Ken. It’s available to book for just two nights this summer, July 21 and July 22.
Anyone can request to book the Malibu Dreamhouse for a one-night stay for up to two guests each. While Airbnb says the bookings aren’t a contest, stays are free of charge, aside from taxes and fees. The booking window opens Monday, July 17, at 10 a.m. PT, so be ready to click.
(Top photo courtesy of World of Barbie)
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023, including those best for:
It seems almost every airline, hotel chain and credit card issuer has launched its own premium credit card, enticing customers with luxury travel perks paired with hefty annual fees. Many of these cards offer solid value, especially if you’re loyal to the underlying brand.
There are two long-standing titans of the premium card market. Of course, we’re talking about The Platinum Card® from American Express and the Chase Sapphire Reserve. The former built the market for premium rewards cards decades ago, while the latter is responsible for growing its mass appeal.
Since the Sapphire Reserve debuted in 2016, competition between these two cards has been fierce. Today, we will look at how they stack up against each other and whether you should consider adding one (or both) to your wallet.
Related: The best travel credit cards
Welcome offer
When considering a new card, especially one with a $500-plus annual fee, most people first look at the welcome offer to see how much of that annual fee they can start recouping immediately.
With its $695 annual fee (see rates and fees), the Amex Platinum is currently offering new applicants 80,000 Membership Rewards points after they spend $6,000 on purchases in the first six months of cardmembership. However, it’s worth checking to see if you’re targeted for a higher offer of up to 125,000 points through the CardMatch tool (offer subject to change at any time).
TPG values Membership Rewards points at 2 cents each, making the initial welcome offer of 80,000 points worth $1,600 alone. Since Amex only allows you to earn a welcome offer on each of its cards once per lifetime, it might be tempting to hold off on applying for the Amex Platinum in hopes that you may be targeted through CardMatch for a higher bonus at some point in the future.
Meanwhile, the Chase Sapphire Reserve offers a sign-up bonus of 60,000 bonus points after you spend $4,000 in the first three months from account opening.
TPG also values Ultimate Rewards points at 2 cents each, making this bonus worth $1,200. That’s significantly lower than the Amex Platinum offer, though the spending requirement to earn the bonus is also lower.
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Winner: The Amex Platinum takes the lead in this first category, especially if you are targeted for an elevated offer through CardMatch.
Related: The best time to apply for these popular cards based on offer history
Earning
Long after your bonus has been earned and spent, you’ll want a card to help you quickly rack up valuable transferable points.
Both of these cards get that done but in very different ways. Your best option depends on which other Chase or Amex cards you currently have in your wallet and how the bonus categories on those other cards overlap with the Chase Sapphire Reserve and Amex Platinum.
Here are the bonus categories for these two cards:
Bonus multiplier
Amex Platinum
Chase Sapphire Reserve
10 points per dollar
N/A.
Lyft rides (through March 2025.)
Hotels and car rentals booked through the Ultimate Rewards portal.
Chase Dining purchases made through the Ultimate Rewards portal.
Peloton equipment and accessory purchases of $250 or more, with a maximum of 50,000 points (through March 2025).
5 points per dollar
Airfare booked directly with airlines and airfare booked with American Express Travel, on up to $500,000 on these purchases per calendar year.
Prepaid hotels booked with Amex Travel.
Airfare booked through the Ultimate Rewards portal.
3 points per dollar
N/A.
Travel and dining.
1 point per dollar
All other purchases.
All other purchases.
Chase offers a broader range of bonus categories, including everyday purchases like travel and dining.
While the Amex Platinum does pull ahead on airfare booked directly with airlines (with a terrific 10% return), the Chase Sapphire Reserve pulls ahead for dozens of other travel expenses, including most hotels, ride-hailing services, parking fees, tolls and tours. It also has an equally broad 3 points per dollar spent on dining that the Platinum can’t match.
Winner: Chase Sapphire Reserve is the best for earning thanks to its favorable everyday bonus categories that help you earn more points in the long term.
Related: Best reward cards for each bonus category
Redemption options
With Chase Ultimate Rewards and Amex Membership Rewards tied at 2 cents apiece in TPG’s valuations, it’s worth looking at the different transfer partners to decide which ones best suit your needs.
Let’s start with the Chase Sapphire Reserve. In addition to 11 airline and three hotel transfer partners, Sapphire Reserve customers get a 50% bonus when redeeming points for travel directly through the Chase Ultimate Rewards portal. This gives you an absolute minimum redemption value of 1.5 cents per point, meaning you can book a seat on any flight that’s for sale, even if there isn’t award space available.
That said, you’ll often get a better value by transferring your points to the loyalty programs of airlines and hotels instead. All Chase partner transfers are at a 1:1 ratio, and most of them are instant. Ultimate Rewards has a real edge for hotel bookings because of its partnership with World of Hyatt, where you can book an award night for as low as 3,500 points per night.
On the airline side of things, popular redemption options include United MileagePlus, Southwest Rapid Rewards, British Airways Avios, Virgin Atlantic Flying Club and Air France-KLM Flying Blue — though the last three also partner with Amex Membership Rewards. The same holds true for Air Canada Aeroplan — though if you also hold the Aeroplan Credit Card, you can enjoy a 10% bonus on certain transfers from Chase Ultimate Rewards to your Aeroplan account.
Finally, you also have the Pay Yourself Back option with the Sapphire Reserve, allowing you to use points to cover certain purchases at higher values:
1.5 cents per point for select charitable donations (through Dec. 31, 2023.)
1.25 cents per point for purchases at gas stations and grocery stores (through Sept. 30, 2023.)
1.25 cents per point to cover your annual fee (through Sept. 30, 2023.)
Again, though, the best redemption option will typically come from maximizing Chase’s transfer partners.
Meanwhile, Amex Membership Rewards has a whopping 20 transfer partners, but not all are worth your attention. Some have transfer ratios below 1:1, have longer transfer times (which means you risk watching your award space disappear) or simply don’t have reasonably priced redemption options.
Some of the best are ANA Mileage Club, Air Canada Aeroplan and Avianca LifeMiles, each of which offers attractively priced options for booking Star Alliance tickets. Cathay Pacific Asia Miles, British Airways Executive Club and Delta SkyMiles are also popular transfer options.
However, if you opt to use your points directly through American Express Travel, you won’t get nearly the value you do through Chase. Flight bookings are a flat 1 cent per point, while hotel reservations clock in at just 0.7 cents apiece. As a result, you’re typically much better off with the transfer options.
Winner: Chase Sapphire Reserve comes out on top for redemption options since it offers a 1:1 transfer ratio for all of its airline and hotel partners, the Pay Yourself Back feature and more flexibility with its 50% bonus for travel booked in Ultimate Rewards.
Perks and benefits
The Chase Sapphire Reserve and Amex Platinum are two of the most valuable rewards cards on the market, but they’re also two of the most expensive. You’ll pay a $550 annual fee with the Sapphire Reserve and a $695 annual fee with the Amex Platinum.
So, what do you get in exchange for that upfront cost? For starters, both cards feature airport lounge access and additional travel and food delivery credits, among other benefits. Let’s take a look below at the most popular and valuable perks available (note that enrollment is required for select benefits):
*Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc.
**Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.
This is by far the trickiest part of the comparison, with many different pieces to unpack. It’s also the one where your own personal preferences may sway you to one card or another.
For starters, the Sapphire Reserve still has an edge over Amex regarding the $300 annual travel credit. Not only is it a higher amount than the up-to-$200 airline fee credit that comes with the Amex Platinum, but it’s also much less restrictive. It will automatically apply to a broad range of travel purchases. In contrast, the $200 Amex airline credit only applies to select fees such as seat assignments or checked bags — and you’re limited to a single airline you designate each year.
Regarding ride-hailing services, some people see the up-to-$200 in annual (U.S.) Uber Cash (broken into $15 a month, with a $20 bonus in December) that comes with the Amex Platinum card as a cash-like credit. However, not everyone uses a ride-hailing service or places an Uber Eats order in the U.S. once a month, which means the 10 points per dollar spent on Lyft rides with the Sapphire Reserve might be a more valuable option.
On the flip side, if you live in a smaller city or never order food, you might find the DoorDash partnership with Chase useless.
The same can be said of certain perks on the Amex Platinum — including statement credits with Saks Fifth Avenue, Clear and select digital entertainment providers. If you already use these services or merchants, it’s like money back in your pocket. If not, you may find they aren’t a real value-add relative to the annual fee.
Meanwhile, the Amex Platinum is widely considered the most comprehensive card for airport lounge access. Although the Priority Pass Select membership that comes with this card no longer allows you to access participating restaurants (you can with a Chase-issued Priority Pass membership), the access to Amex’s wide collection of Centurion Lounges and Delta Sky Clubs on same-day Delta flights should be enough to make up for that.
Meanwhile, the Sapphire Reserve only offers Priority Pass access, they are expanding their network of Chase lounges, with the first U.S. location open in Boston.
Another area where Amex excels is by offering Gold elite status with both Marriott and Hilton to Platinum cardholders. Chase offers no equivalent benefit.
Chase has historically been the leader in travel insurance, with generous terms. Amex has partially closed the gap, adding a suite of travel protection benefits to the Amex Platinum card (see here for more).
Winner: Amex Platinum is the clear winner when it comes to perks and benefits, which include its $1,400-plus in annual statement credits, expanded airport lounge access, travel protections, and elite status with Marriott and Hilton. However, if you’re looking for a more flexible travel credit, comprehensive protections and fewer lifestyle perks, the Sapphire Reserve could be a better option.
Related: How long it takes to receive statement credits
Bottom line
The Chase Sapphire Reserve and The Platinum Card from American Express are two of the most popular premium rewards cards on the market. However, they offer slightly different value propositions.
Between hotel elite status and Centurion Lounge access, the Amex Platinum is better suited for those looking to enjoy a more luxurious travel lifestyle. If you frequently purchase airfare qualifying for 5 points per dollar, this card deserves a spot in your wallet.
The Sapphire Reserve, by comparison, is a premium card that’s simple enough for beginners and pros alike. The $300 annual travel credit is automatically applied to a wide range of purchases. Plus, you earn 3 points per dollar on travel (excluding the $300 travel credit) and dining and these categories are broad enough that you won’t be scratching your head trying to decide if you’re swiping the right card.
However, some may even find that it makes sense to carry both cards. If you can take advantage of all the annual statement credits and luxury perks, these cards can actually complement each other well.
Official application link: Amex Platinum Official application link: Chase Sapphire Reserve
For rates and fees of the Amex Platinum, click here.
Additional reporting by Emily Thompson, Ryan Wilcox, Stella Shon, Juan Ruiz and Chris Dong.
Nobody likes those random extra fees that go by various names — resort fees, destination fees, amenity fees or urban fees, just to mention a few of the monikers — that get tacked onto nightly hotel room rates.
Some don’t like it so much that they’re willing to file a lawsuit against the world’s largest hotel company.
Hotel guests filed a lawsuit Wednesday against Marriott International in Los Angeles County Superior Court for what they allege were nightly surcharges on room rates that violated California’s consumer protection and unfair competition laws. The fees were labeled as “Hotel Worker Protection Ordinance Cost Surcharge” on guest bills and ran anywhere from $10 to $14 per night, depending on the hotel.
Those charges first appeared in response to an ordinance signed last year by then-Los Angeles Mayor Eric Garcetti. That measure requires Los Angeles hotels to provide workers with security devices like a panic button to better protect themselves against potential sexual assault. The measure also required larger hotels to provide higher wages to housekeepers cleaning above a certain threshold during a shift.
But the lawsuit maintains that the surcharge — billed as covering the costs associated with the employee protection measure — goes well above what it would actually cost a hotel owner.
“The Los Angeles Airport Marriott, for example, is a 1,004-room hotel that typically averages around an occupancy rate above 80%. Even at just 80% occupancy (803 occupied rooms per night), however, the hotel makes over $10,000 per night from guests by charging the [Hotel Worker Protection Ordinance] Fee—working out to over $3,600,000 annually at that single hotel,” reads the lawsuit. “The HWPO Fee is nothing more than a ‘junk fee’ under the guise of ‘worker protection,’ directly benefiting Marriott at the expense of their guests.”
Representatives with Marriott declined to comment when contacted by TPG.
Multiple Marriott-affiliated properties are highlighted in the lawsuit: the Los Angeles Airport Marriott, the Courtyard by Marriott Los Angeles LAX/Century Boulevard, the Residence Inn by Marriott Los Angeles LAX/Century Boulevard and the Four Points by Sheraton Los Angeles International Airport.
While most of the hotels accused of charging the fee were located near Los Angeles International Airport (LAX), the lawsuit also names the Beverly Hills Marriott.
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Fee fatigue
The lawsuit arrives amid swelling anti-fee fervor across the travel sector. U.S. President Joe Biden earlier this year even targeted resort fees in his State of the Union address amid a push to eliminate hidden fees, which are widespread in the travel industry, as part of his Junk Fee Prevention Act.
“We’ll ban surprise resort fees that hotels tack on to your bill,” Biden said in the address. “These fees can cost you up to $90 a night at hotels that aren’t even resorts.”
Marriott settled with the Pennsylvania attorney general over a lawsuit targeting its resort fee practice, and the company now maintains that hotels include the fee as part of an initially advertised nightly rate.
Earlier this year, separate lawsuits in Texas were launched against Hyatt and Hilton over their respective resort fee practices.
While Marriott is once again in the legal hot seat over surcharges added to its room rates, the company’s CEO, Anthony Capuano, earlier this year touted the hotel brand’s leadership in bundling resort fees into nightly rates.
The fees aren’t going away, but better transparency might be the end game for the broader industry.
“It is not as if those were hidden somehow. We’re simply further clarifying and enhancing that transparency,” Capuano said on the company’s first-quarter earnings call. “I will leave it to the state [attorneys general] around the rest of the country for the rest of the industry. But I am pleased that we will lead the industry in terms of the transparency of our disclosure for our guests.”
MSR Valuation, Non-QM, DPA, Mobile Property Valuation Tools; What’s the Fed Chair Up To? New-Home Housing Market List
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MSR Valuation, Non-QM, DPA, Mobile Property Valuation Tools; What’s the Fed Chair Up To? New-Home Housing Market List
By: Rob Chrisman
Thu, Jun 22 2023, 10:16 AM
“So, HBO Max is now just ‘Max.’ Your move, Peacock.” Lenders continue to cogitate on their next moves as rates remain stubbornly high and inventory available for sale stubbornly low, and neither appears ready to change much any time in the near future. As I continue to visit with groups of lenders and vendors, lender’s overhead, and how comp figures into that, continues to be a hot topic. STRATMOR’s current blog is titled, “Compensation: Ever Changing,” and I asked STRATMOR CEO Lisa Springer about what lenders are doing in that area. “Lenders in increasing numbers are reaching out to STRATMOR to advise on compensation strategies from a holistic point of view, seeing how changes fit within the entire company. Management teams are thinking about structural changes and capitalizing on the opportunity to create win-win comp programs for both the employees and the companies.” In housing and inventory news, a recent real estate report from Zillow predicts 5% growth in home values this year. Housing inventory remains limited, which in turn continues to push property prices skyward and inflate home value appreciation. And sure you can read this list of hot new-home markets, and may even have branches in them, but do you have the products to offer those buyers? (Today’s podcast can be found here and this week’s is sponsored by MCT and its Hedge Advisory division. Download their recently released whitepaper, Mortgage Pipeline Hedging 101, for more information on hedging in today’s market. Today’s has an interview with Optifunder’s Carmel York that goes through a comprehensive overview of the warehouse lending space and current environment.)
Broker and Lender Services, Products, and Software
“Home equity lenders need fast, reliable, and objective property valuations to streamline processes, lower origination costs and deliver a better borrower experience, all while mitigating risk. This is a tough balancing act, but Black Knight can help. Our innovative mobile app – Validate – simplifies the property valuation process for home equity loans and lines of credit. Validate combines artificial intelligence, a condition-adjusted AVM and up-to-date property data with borrower-supplied property photographs to automatically determine a property’s value and the available equity. With Validate, lenders can save time and money, increase valuation accuracy, manage risk, and provide a better consumer experience. Learn more by scheduling a demo today.”
For many people, homebuyer assistance programs can make the difference between building wealth by making fixed mortgage payments or being subject to the ever-increasing cost of rent. This National Homeownership Month, Jackie, a single woman in the greater Tampa area, shared the story of how mortgage broker Pam Marron of Innovative Mortgage Services helped make her homeownership dreams a reality by pairing Pasco County Community Development’s DPA offering with Freddie Mac’s BorrowSmart program. Down Payment Resource made it easy for Pam to identify best-fit programs, understand requirements upfront and maximize the assistance she could provide Jackie. Learn how Down Payment Resource can help you be a community hero while filling your pipeline with eager first-time homebuyers.
“The Newrez Correspondent team would like to thank all of our lenders and industry partners who took the time to meet with us in NYC for the annual Secondary and Capital Markets Conference and Expo. It is a testament to the team and industry as we came together and discussed ways to navigate this fluctuating market. As a top-tier aggregator, our offering provides the product, pricing, and service our clients need to succeed and grow their business. Looking for Non QM? Our industry-leading Smart Series products are now available through LoanNEX. This product and pricing eligibility platform is available at no cost to our correspondents. Contact your regional sales manager to learn more! Believe it or not, we are only a little over 120 days from the National MBA Convention in Philadelphia. Save the date – We will have meeting space at the Loews Hotel – Stay tuned for more details as we prepare to take on the city of brotherly love! As always, thank you to our customers for their time, business, and partnerships!
Do you have a servicing portfolio? Do you understand how it is valued? With the decline in overall production, the MSR asset has become more critical than ever and effectively managing that asset demands ongoing oversight. MCT offers portfolio valuations that are accurate and easy to understand, with built-in safeguards focused on client and borrower data security. MCT’s fair value analysis and reports are customized to support servicer’s internal requirements and objectives, and extensive number of clients and MSR market knowledge keep your valuations timely, accurate, and reliable. Schedule a phone call with the MCT MSR experts to discuss a customized approach for valuing your MSR portfolio.
Non-Agency and Non-QM News
Sure, non-Agency production remains far below 10 percent of overall volume. But many programs are an important part of an LO’s offering to potential borrowers, and no LO wants to tell a client, “I can’t help you. But this other lender may be able to.” Let’s take a random look at what’s new out there.
Skip the pay stubs with Bank Statement Loans from the Industry’s Leader in Non-QM Solution Lending, Carrington Correspondent. Self-employed borrowers can use 12 or 24 months of bank statements to verify income and secure loans up to $3.5 million.
Summer Specials are in season at LoanStream. BPS’ off on some Government products and Non-QM: Full Doc, Alt Doc & DSCR.
Are your borrowers’ tax returns leaving them with too little income to qualify? Large amounts of tax write-offs can disqualify your borrowers from standard agency and Jumbo transactions. Champions Funding’s Activator loan option may be the perfect fit for those situations without the hassle of submitting tax returns. Now offering ITIN loans for non-U.S. Citizens.
Unite Mortgage, a DBA of Home Mortgage Alliance Corporation (HMAC), is offering the perfect program for borrowers looking to take cash out of their home but don’t want to refinance their 1st mortgage due to having a low-rate locked in. Mortgage Brokers… The 2ND Mortgage Program from Jet Mortgage is here. Contact Aaron Hilton at 623-252-0606 or send an email to [email protected]. Need a Bank Statement income analysis done? Click here and choose Aaron Hilton as your AE. Interested in learning more? Check out the Prime Seconds Matrix and Rate Sheet.
Champions Funding is 100% Non-QM with a dedicated underwriting team to move your files from submission to funding with ease – and GREAT communication. In a recent product update, Champions increased the Max LTV/CLTV by 5% on the Accelerator No Ratio (DSCR <.75) loan products at Champions Funding. Minimum 700 FICO to qualify with maximum loan amount up to $1 Million.
Capital Markets
In an about-face move, markets are seemingly succumbing to the Fed’s “higher rates for longer” projections to reduce U.S. growth to below its long-term trend and contain price pressures, with pricing in fed funds futures suggesting one additional 25 basis points hike at the July Federal Open Market Committee meeting and then holding firm at that level through the end of the year as the most likely outcome. Echoing his comments at the post-FOMC press-conference, Fed Chairman Powell delivered the first part of his two-day semiannual Humphrey-Hawkins testimony on monetary policy to Congress yesterday, telling the House Financial Services Committee in prepared remarks that “there is still a long way to go” in reducing inflation and that most FOMC members expected that further rate hikes are needed this year to thwart persistently high inflation.
Which all reminds me… The semiannual testimony of the U.S. Federal Reserve Chairman to Congress is commonly referred to as the Humphrey-Hawkins testimony in reference to the Humphrey-Hawkins Full Employment Act (the Full Employment and Balanced Growth Act of 1978). The bill was named after its primary sponsors, Senator Hubert Humphrey and Representative Augustus Hawkins, and was enacted with the goal of promoting full employment and stable prices in the U.S. It mandated the Federal Reserve to pursue maximum employment and stable prices as part of its monetary policy objectives.
Additionally, the Act required the Chairman of the Federal Reserve to provide regular reports and testify before Congress on the state of the economy (including the outlook for inflation, unemployment, and economic growth), discuss the central bank’s monetary policy decisions, and answer questions from members of Congress. The term “Humphrey-Hawkins testimony” became popularized as a shorthand way to refer to these semiannual appearances by the Federal Reserve Chairman to discuss the economy and monetary policy with Congress, in accordance with the requirements of the Humphrey-Hawkins Act. And Powell certainly put the “hawk” in Hawkins yesterday.
Fed Chair Powell’s main points were threefold. The inflation target of 2 percent is the goal the central bank intends to get back to, and though inflation has declined over the past year, we have a long way to go to get back there. The Summary of Economic Projections (“dot plot”) sees no rate cuts this year while market forecasts are (still, and likely wrongly) calling for a chance of one at the December meeting. Price stability comes first as a lousy currency negates all the work on the employment part of the Fed’s dual mandate. As Powell said in a recent presser, “Without price stability, the economy doesn’t work for anyone. In particular, without price stability, we will not achieve a sustained period of strong labor market conditions that benefit all.”
Today’s calendar contains three central bank decisions where more rate hikes are expected: the Swiss National Bank (SNB), Norges Bank, and the Bank of England (+ 50 basis points). The (busy) U.S. calendar is under way with the Chicago Fed National Activity Index for May, as well as weekly jobless claims (264k, roughly as expected and unchanged from last week, 1.759 million continuing claims: the labor market is still tight). Later today brings May existing home sales, May leading indicators, KC Fed manufacturing for June, a Treasury auction of $19 billion reopened 5-year TIPS, and Freddie Mac’s Primary Mortgage Markets Survey. Today is also loaded with Fed speakers including Chair Powell’s visit before the Senate Banking Committee, but also Governor Waller, Governor Bowman, Cleveland President Mester, and Richmond’s Barkin. The narrative since last week’s meeting is that the FOMC is trying to figure out whether it has done enough and how much more tightening is needed. After yesterday’s seesaw of rates rallying hard after selling hard, which eventually took us back to flat on the day, we begin Thursday with Agency MBS prices unchanged from Wednesday night, the 2-year at 4.71, and the 10-year unchanged 3.72 percent.
Employment
“Behind the scenes at Sagent! As we continue building the team to propel our vision and mission for the industry, it’s important to also recognize the existing (and powerful) team that have been supporting us since the beginning of our future-of-servicing journey. Meet Greg Lane (Director, Financial Analysis), finance + accounting aficionado, and according to him, “It doesn’t matter what the numbers are supposed to do, whether it’s investments, foam pricing (you’ll have to read to find out why this is relevant), or fintech software FP&A, it’s what I like to do.” But there is so much more to Greg than pricing and forecasting revenue. Greg is a loving husband, father, pet owner, golfer. While in college, he scored an internship in Beijing for 3 months supporting a sole distributor for European beverage brands. Check out our latest employee spotlight piece for a glimpse into Greg’s world and what it’s like to be a part of Team Sagent.”
Are you frustrated as a retail loan officer or mortgage banker with the lack of flexibility to provide custom loan options? Take control: follow the lead of thousands of MLOs like you who have joined the wholesale channel in the last year. Whether you open your own independent mortgage brokerage or join a team as a loan officer, you’ll have the ability to provide your clients with the personalized solutions they need. Contact our team at BeAMortgageBroker.com today and you’ll be well on your way to a more fulfilling tomorrow.
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South Carolina is known for many things, from its Southern cuisine to historic cities, and of course, the stunning beaches. With magnificent waves and sandy coves, kayaking and boating, fishing and whale watching, these idyllic South Carolina beach towns are some of the best in the country. Whether you’re looking to relocate to South Carolina or are one of the many South Carolinians looking for a beachside property, you have plenty of towns to choose from.
But if you’re not sure what beach towns in South Carolina to check out, we’ve got you covered. From Charleston to Myrtle Beach, Redfin has compiled a list of the top 10 beach towns in South Carolina. Let’s explore some of the state’s top beaches, listed in alphabetical order, and you might just be tempted to move there.
#1: Charleston
Median home price: $522,495 Average rent for a one-bedroom apartment: $1,707 Charleston, SC homes for sale Charleston, SC apartments for rent
First up on our list of coastal South Carolina cities is Charleston. The city of Charleston is home to roughly 151,600 people and sees countless visitors throughout the year. While there aren’t any beaches in Charleston proper, you’ll find there are many picturesque oceanfront spots to explore or take a drive to one of the nearby beaches. If you’re moving to Charleston, you can also see the houses along Rainbow Row, visit one of the many historic sites like Fort Sumter National Monument, and check out the vendors at Charleston City Market.
#2: Edisto Beach
Median home price: $565,000 Edisto Beach, SC homes for sale Edisto Beach, SC apartments for rent
Another one of South Carolina’s great beach towns to consider buying a home in is Edisto Beach. There are just about 1,000 residents, but there are plenty of beaches to visit, like Edisto Beach or Gray’s Beach. You can also camp at Edisto Beach State Park or have a meal at a waterfront spot, if you’re looking to explore the town.
#3: Folly Beach
Median home price: $645,000 Folly Beach, SC homes for sale Folly Beach, SC apartments for rent
Folly Beach is home to about 2,100 residents. There are lots of beaches to explore on a sunny South Carolina day, like its namesake Folly Beach. If you find yourself moving to Folly Beach, make sure to stop by the Lighthouse Inlet Heritage Preserve or explore Dunes House.
#4: Hilton Head Island
Median home price: $662,000 Hilton Head Island, SC homes for sale Hilton Head Island, SC apartments for rent
Home to beautiful beaches like Bradley Beach, Burkes Beach, Coligny Beach Park, Fish Haul Beach Park, Folly Field Beach, Singleton Beach, and South Beach, there are countless places to spend a beach day. With roughly 38,100 residents in Hilton Head Island, make sure to also explore Audubon Nature Preserve, golf at one of the courses, or visit the Coastal Discovery Museum.
#5: Isle of Palms
Median home price: $1,925,000 Isle of Palms, SC homes for sale Isle of Palms, SC apartments for rent
The quaint coastal town of Isle of Palms has about 4,300 residents, making it another great place to add to your list. You’ll find beautiful beaches such as Isle of Palms Beach, perfect for spending the day outside. In Isle of Palms, you can take a fishing charter trip, golf, or have lunch at a waterfront restaurant.
#6: Kiawah Island
Median home price: $1,242,500 Kiawah Island, SC homes for sale Kiawah Island, SC apartments for rent
Kiawah Island has about 2,000 residents and is a quaint beach town to consider renting or buying a house in. Some beaches you can visit are Beachwalker Park, Seabrook Beach, and West Beach. Whether you visit parks and nature preserves like Marsh View Tower and Maritime Forest Reserve & Nature Trail, there are many cool things to do and see in this beach town.
#7: Murrells Inlet
Median home price: $508,775 Average rent for a one-bedroom apartment: $1,450 Murrells Inlet, SC homes for sale Murrells Inlet, SC apartments for rent
With a population of about 9,300, Murrells Inlet is a magnificent coastal area to live in. There are plenty of beaches to explore, including Love’s a Beach. If you find yourself moving to this beach town, make sure to stop by the Murrells Inlet Marsh Walk or take a sunset boat cruise.
#8: Myrtle Beach
Median home price: $271,500 Average rent for a one-bedroom apartment: $1,666 Myrtle Beach, SC homes for sale Myrtle Beach, SC apartments for rent
Myrtle Beach has stunning beaches such as 3rd Ave Public Beach and Myrtle Beach, great for enjoying a sunny day. Be sure to take a spin on the SkyWheel, play mini golf or check out one of the museums, and see a show or dinner theater once you move to Myrtle Beach.
#9: Seabrook Island
Median home price: $800,000 Seabrook Island, SC homes for sale Seabrook Island, SC apartments for rent
Just about 2,000 people live on Seabrook Island, where you’ll find beaches like Seabrook Island Beach. Some other fun activities to do on Seabrook Island include hiking along the Hidden Oaks Nature Trail.
#10: Sullivan’s Island
Median home price: $7,000,000 Sullivan’s Island, SC homes for sale Sullivan’s Island, SC apartments for rent
This seaside town has a population of 1,900 and there are numerous beaches to enjoy a picnic at. On Sullivan’s Island, you can visit Station 18 Beach, Station 28 1/2 Beach, and Sullivan’s Island Beach. There’s plenty to do on an afternoon or weekend, like hiking Sullivan’s Island Nature Trail, exploring Fort Moultrie National Historical Park, and stopping by the Sullivan’s Island Lighthouse.
Note, this list is not comprehensive of all the beach towns in South Carolina. Median home sale price data from the Redfin Data Center during June 2023. Average rental data from Rent.com June 2023. Population data sourced from the United States Census Bureau.
In-depth reviews of the best travel rewards credit cards
Capital One Venture X Rewards Credit Card
Pros:
Elevated earn rate on everyday spending
High welcome bonus for a reasonable spending requirement
Excellent travel perks and recurring benefits
Cons:
Travel bonuses are limited to Capital One bookings
High annual fee
Capital One pulls your credit from all three credit bureaus
The Capital One Venture X Rewards Credit Card is a relatively new travel credit card but has quickly distinguished itself as one of the best. See Rates & Fees.
The card offers a substantial welcome bonus and elevated earn rate that makes racking up points fast and easy. Even if you don’t take advantage of the 5-10x travel bonus, you’ll earn 2x miles on all spending. This earning structure is ideal for people who don’t want to deal with tracking category bonuses. If you want a single credit card in your wallet that earns more than one mile per dollar spent, this is the card for you.
The card’s $395 annual fee is high but still lower than most premium credit cards. However, the recurring benefits offset it — think things like a $300 annual travel statement credit for Capital One Travel bookings and a Global Entry/TSA PreCheck® credit every four years. Best of all, the card offers a yearly 10,000-mile bonus worth $100 towards travel.
The card’s lounge benefits are also worth noting. Members get unlimited visits to Capital One Lounges. While the Capital One lounge network is still developing, members also get Priority Pass Select membership, valid at over 1,300 lounges worldwide.
The only downside about Capital One is that the bank pulls your credit from all three bureaus rather than just one, making for a sure hard hit on your credit score. However, if you keep this card long-term, it’s worth it.
Annual fee: $395
Welcome bonus: Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening
Rewards: 10x miles on hotels and rental cars booked through Capital One Travel; 5x miles on flights booked with Capital One Travel; 2x miles on all other purchases
Travel benefits: $300 annual travel statement credit on Capital One Travel bookings; up to $100 Global Entry or TSA PreCheck® credit every four years; 10,000 anniversary bonus miles (worth $100 towards travel); unlimited Capital One lounge access (plus two complimentary guests); Priority Pass™ membership; Hertz President’s Circle® status*, and; no foreign transaction fees
Travel insurance: Travel accident insurance, auto rental coverage (See Rates & Fees.)
Read our full review of the Capital One Venture X Rewards Card.
The Platinum Card® from American Express
Pros:
Loaded with travel and dining credits that help offset the annual fee
Automatic elite status with Hilton and Marriott
Substantial welcome bonus that will cover at least one round-trip international business class fare
Transfer your points to 20 airline and hotel partners
Cons:
High annual fee
Lack of meaningful category bonuses
Requires excellent credit
The Platinum Card® from American Express has one of the highest annual fees at $695, but it also comes packed with travel credits and benefits galore. Taking advantage of them would get you well over $1,500 in value every year. Between the elite status perks, travel credits, digital entertainment credits, and lounge membership, it offers the most comprehensive travel perks of any credit card.
The Amex Platinum also offers best-in-class travel insurance. All you have to do is charge your travel bookings to the Platinum card, and you’ll be protected in case of cancellations and delays.
With a 80,000-point welcome bonus, you can book an off-peak round-trip business class ticket to Europe with All Nippon Airways miles. Or you can opt for economy class and cover up to four round-trip tickets to Europe using Flying Blue rewards.
The Amex Platinum is an excellent travel rewards card if you want a large welcome bonus and tons of travel perks. But the annual fee is hefty, and the card lacks any meaningful category bonuses beyond direct travel bookings. If you don’t think you’ll be able to get your money’s worth through the various credits every year, you might want to consider a different card.
Annual fee: $695
Welcome bonus: Earn 80,000 Membership Rewards® points after spending $6,000 within the first six months
Rewards: 5x points on flights and prepaid hotels; 1x point on all other purchases
Travel benefits: $300 annual Equinox credit (issued monthly); $200 annual credit on prepaid hotels booked through Amex Travel; $200 in annual Uber Cash (distributed monthly); $200 annual airline fee credit; $155 Walmart+ credit; $20 monthly digital entertainment credit; access to the Amex Global Lounge Collection; $189 CLEAR credit; Global Entry/TSA PreCheck® credit every five years; $100 Saks credit issued semi-annually; Hilton and Marriott Gold status; access to Amex Fine Hotels & Resorts; premium car rental status; no foreign transaction fees
Travel insurance: Primary rental car coverage; trip delay insurance (up to $500 per trip); trip cancellation & interruption insurance (up to $10,000 per trip)
Read more: Are Amex cards worth it?
Chase Sapphire Preferred®
Pros:
Generous earn rate on common spending categories
Flexible loyalty program with good transfer partner selection and ability to redeem for direct bookings through Chase Ultimate Rewards® at a rate of 1.25 cents per point
Generous travel benefits and protections for a mid-tier card
Cons:
Limitations on the highest spending categories
Bookings made with the $50 hotel credit don’t earn 5x points
The Chase Sapphire Preferred® Card has had the distinction of being one of the best travel credit cards for over a decade. The card is popular because it offers a generous welcome bonus, which is fairly simple to redeem. You can transfer points to one of 14 airlines or hotels. Or you can redeem points through Ultimate Rewards® Travel at just 1.25 cents each. This flexibility makes Ultimate Rewards® points (and the Sapphire Preferred® Card) incredibly valuable.
If one loyalty program devalues, you can transfer your points to a different partner. Just keep in mind that point transfers are not reversible, so don’t do it unless you’re ready to redeem the points.
The Chase Sapphire Preferred® Card is a great starter travel card, and its $95 annual fee is typical for a mid-tier card. However, if you don’t use the $50 annual hotel credit or earn at least 9,500 points per year to justify the annual fee, then it’s not worth it.
Annual fee: $95
Welcome bonus:60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
Rewards: 5x points on travel booked with Chase Ultimate Rewards®; 3x points on dining (including eligible delivery services), select streaming services, and online grocery store purchases; 2x on other travel purchases; 1x on all other spending
Travel benefits: Up to $50 in annual credits towards Ultimate Rewards® hotel bookings; no foreign transaction fees
Travel insurance: Primary rental car collision waiver; up to $10,000 in trip cancellation/interruption coverage; purchase protection for 120 days; extended warranty protection
Read our full review of the Chase Sapphire Preferred® Card.
Citi Premier® Card
Pros:
High welcome bonus that transfers to 16 airline and hotel programs
$100 hotel credit on Citi ThankYou® Travel bookings of $500 or more
Reasonable annual fee
Cons:
No travel protections
$100 hotel credit excludes taxes and fees
At first sight, the Citi Premier® Card shouldn’t be on this list. The card has no travel protections, which is not ideal when booking thousands of dollars in travel. However, if you buy travel insurance anyway, then the Citi Premier® isn’t so bad. It’s a great card for maximizing spending on everyday purchases.
The card earns 3x points on select travel and common spending categories like dining, gas, and groceries. Cardmembers also get a $100 annual hotel credit valid on Citi Travel bookings of $500 or more. Considering the annual fee, this perk is pretty generous.
The Citi ThankYou® program is also one of the best, allowing you to transfer the card’s substantial bonus to 16 airline and hotel programs.
If you want a travel rewards card that really rewards you in your everyday life, this is a great card. Just think twice about charging expensive travel bookings to it, since they won’t be protected.
Annual fee:
Welcome bonus:Earn 60,000 bonus ThankYou(R) Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou(R) Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel(SM) portal through June 30, 2024.
Rewards: 3x points at restaurants, supermarkets, gas stations, air travel, and hotels; 1x on all other purchases
Benefits: Annual $100 hotel savings on a booking of $500 or more (excluding taxes and fees); no foreign transaction fees
Travel insurance: None
Read our full review of the Citi Premier® Card.
Card info has been independently collected by MoneyUnder30 to help consumers better compare cards. The financial institution did not provide or approve card details.
AAdvantage® Aviator® Red World Elite Mastercard®
Pros:
Easy welcome bonus
Free checked bags and priority boarding when flying American Airlines
Ability to earn a Companion Certificate every year
Cons:
$99 annual fee
Airline miles are more limited in use than transferable rewards
The best airline credit card is a tough one because it really comes down to your airline loyalty and whether you live near a hub city. But there’s a good reason we’ve chosen the AAdvantage® Aviator® Red World Elite Mastercard® for this category. The card offers one of the easiest spending requirements to complete and includes several ongoing perks that provide value beyond the $99 annual fee.
The Aviator Red card’s 50,000-mile welcome bonus is easy to earn. You only need to use the card once (for any purchase), and you’ll earn 50,000 bonus miles.
The card also offers a free checked bag on American Airlines flights, discounts on in-flight purchases and Wi-Fi credits, and a $99 Companion Certificate when you spend $20,000 in a year. Best of all: every dollar spent on this card counts towards elite status with American Airlines.
Annual fee: $99
Welcome bonus: 50,000 bonus miles after the first purchase and paying the $99 annual fee
Rewards: 2x miles on all American Airlines purchases; 1x mile on everything else
Travel benefits: $25 in statement credits towards in-flight Wi-Fi purchases; 25% discount on inflight food and beverage purchases; free first checked bag; preferred boarding; $99 Companion Certificate every year you spend $20,000 on the card; no foreign transaction fees
Annual free weekend night and resort credits help offset the annual fee
Generous category bonuses, with an additional spending incentive
Cons:
$450 annual fee
Priority Pass membership from American Express cards does not include access to airport restaurants
Hilton points have limited use
The Hilton Honors American Express Aspire Card is arguably the best hotel credit card. If you’re looking to earn Hilton points and make your next stay more rewarding, look no further.
Cardmembers get automatic top-tier Diamond status, which normally requires 42 nights, 21 stays, or 84,000 base points. Diamond members get free complimentary breakfast (or a dining credit at U.S. properties), club lounge access, space-available room upgrades, and 100% bonus points on paid stays.
Cardmembers also receive an annual free weekend night award, plus the ability to earn a second free night after spending $60,000 in a calendar year.
A $250 airline fee credit makes the $450 annual fee more palatable, along with the Priority Pass membership.
The only downside? American Express cards don’t get restaurant access with their Priority Pass membership, and some airports have restaurants that are part of the Priority Pass network. Members receive a credit of $28-$35 per person at these restaurants, which is handy when airline lounges are full or closed.
The Hilton Aspire Card offers a ton of value beyond the welcome bonus. Even if you just stay at one Hilton hotel a year, you can get your money’s worth. The card’s category bonuses make it easy to earn Hilton points. The only negative side to this is that you’re earning Hilton points rather than a transferable currency with more flexible use.
Annual fee: $450
Welcome bonus: 150,000 Hilton Honors bonus points after spending $4,000 within your first three months of card membership
Rewards: 14x points on hotels and resorts; 7x points on travel (flights booked directly with airlines or Amex Travel, cars booked with select companies); 7x points at U.S. restaurants; 3x points on all other purchases
Travel benefits: Annual free weekend night reward; $250 annual Hilton resort credit; annual $250 airline fee credit; $100 property credit at select hotels booked for two nights minimum; top-tier Hilton Diamond elite status; Priority Pass Select membership; no foreign transaction fees
Travel insurance: Secondary rental car collision coverage; up to $3,000 baggage insurance plan
Read more: The best hotel credit cards
Bilt Rewards Mastercard®
Pros:
Earn fee-free points on rent
Transfer points to 14 airline and hotel partners, most of which overlap with Chase Ultimate Rewards®
No annual fee
Cons:
Must make five transactions per billing period to earn points
Limited category bonuses
No welcome bonus
The Bilt Rewards Mastercard® is a relative newcomer to the travel credit card scene but has already shaken things up. The card has no welcome bonus, but it has one very lucrative feature: cardmembers can earn points on rent payments without paying fees. Services like Plastiq charge a 2.8% fee when you use a credit card for rent payments. Bilt lets you earn points without a fee if you make at least five transactions per billing period.
Bilt makes other purchases rewarding too. Cardmembers earn 3x points on dining, 2x on travel, and 1x everywhere else. In addition, cardmembers earn double points on the first of every month (except on rent payments). But what can you do with the rewards?
Bilt has 14 airline and hotel transfer partners, including Hyatt – which only partners with one other program (Chase Ultimate Rewards®). Bilt Rewards has 10 transfer partners in common with Chase, making this an excellent option if you want a no-annual-fee rewards card.
Annual fee: $0
Welcome bonus: None
Rewards: 3x points on dining; 2x on travel; 1x on rent payments without the transaction fee
Benefits: $5 Lyft credit when you take three rides per month; 3-month DashPass membership; travel perks on Rent Day (i.e., two-for-one Virgin Voyages sailings); no foreign transaction fees
Travel insurance: Trip cancellation and interruption coverage (up to $5,000); trip delay reimbursement (up to $1,800 per trip); auto rental collision coverage
Read our full review of the Bilt Rewards Mastercard®.
Chase Sapphire Reserve®
Pros:
The current welcome bonus is valid for up to $900 in direct travel bookings through Chase Ultimate Rewards® or can be transferred to 14 airline and hotel partners
The $300 annual travel credit offsets most of the annual fee
Excellent travel protections and benefits
Cons:
High annual fee
$75 fee per authorized user
The Chase Sapphire Reserve® Card is a great choice if you want a premium credit card that earns Ultimate Rewards®. The card currently has an elevated welcome bonus of 60,000 bonus points after spending $4,000 within the first three months of account opening. It also offers plenty of category bonuses to help you keep earning points beyond the initial bonus.
The $300 annual travel credit partially offsets the $550 fee. Cardmembers also get Priority Pass membership, up to $100 towards TSA PreCheck®, Global Entry or NEXUS application fees. The card also has plenty of travel protections, so you can charge your travel expenses with peace of mind.
Chase Ultimate Rewards® is a great program, whether you want to maximize its transfer partners or use it for direct travel bookings. Sapphire Reserve® cardholders can redeem their points for 1.5 cents each towards Ultimate Rewards® travel bookings. This flexibility is great for folks looking for simple redemption options.
Annual fee: $550 and $75 per authorized user
Welcome bonus:60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Ultimate Rewards®.
Rewards: 10x points on Chase Dining and hotel and car rental bookings through Chase Ultimate Rewards®; 5x points on Chase Ultimate Rewards® flight bookings; 3x points on travel worldwide; 3x points on other dining purchases (including eligible delivery services; 1x points on all other purchases
Travel benefits: $300 annual travel credit; Priority Pass Select membership; up to $100 Global Entry, TSA Precheck or NEXUS fee credit every four years; Luxury Hotel & Resort Collection perks
Travel Insurance: Trip cancellation and interruption insurance (up to $20,000 per trip); trip delay reimbursement (up to $500 per ticket); primary rental car coverage (up to $75,000); lost luggage reimbursement (up to $3,000 per passenger); emergency evacuation and transportation coverage (up to $100,000)
Read our full review of the Chase Sapphire Reserve®.
Capital One Venture Rewards Credit Card
Pros:
High welcome bonus and simple rewards structure for maximizing mileage earnings
Excellent transfer partners
Generous travel perks for a low-annual-fee card
Cons:
Capital One pulls your credit from all three credit bureaus
Limited lounge network
The Capital One Venture Rewards Credit Card has it all: an excellent welcome bonus, a top-notch rewards program, and generous travel perks for a low annual fee. Cardmembers get up to $100 Global Entry or TSA PreCheck® credit and two complimentary annual visits to Capital One Lounges. These perks are highly unusual for a mid-tier card, making Capital One Venture Reward’s $95 annual fee an excellent value. See Rates & Fees.
The welcome bonus is the same as the Venture X Rewards Card. So if you don’t want to shell out the $395 annual fee, the Venture Rewards card is a cheaper alternative. The 2x earn rate on all purchases is especially significant if you want to elevate the rewards you earn on everyday spending without tracking category bonuses across multiple cards. This can be your one-and-done rewards card.
Annual fee: $95
Welcome bonus: Earn 75,000 miles once you spend $4,000 on purchases within 3 months from account opening
Rewards: 5x miles on hotels and rental cars booked through Capital One Travel; 2x miles on all other purchases
Travel benefits: Two free Capital One Lounge visits per year; Hertz Five Star status*; up to $100 Global Entry/TSA PreCheck® credit; no foreign transaction fees
Travel insurance: Travel & Emergency Assistance Services and Auto Rental Insurance (See Rates & Fees.)
Read our full review of the Capital One Venture Rewards Card.
American Express® Gold Card
Pros:
Category bonuses are great for maximizing everyday spending
Amex has 17 airline and hotel partners, with periodic transfer bonuses
Statement credits can offset the annual fee
Cons:
Car rental coverage is secondary — upgrade to primary coverage costs $12.25-$24.95 per rental through Premium Car Rental Protection
$250 annual fee is high
Statement credits are limited to select merchants
The Amex Gold Card is an excellent travel card for everyday use. It offers generous category bonuses to help you maximize everyday purchases. Plus, the card provides monthly statement credits at select restaurants and Uber Cash that can make dining out (and transportation) easier. The Uber credits are valid on both UberEats and Uber rides, making them great for travelers and homebodies alike.
The 4x bonus on dining applies to restaurants worldwide, so you can continue maximizing this bonus even while out of the country. The card also has several travel protections, so you have peace of mind when booking your trips.
The downside? The $250 annual fee is steep; not everyone will find value in the statement credits. Amex’s once-per-lifetime rule can also make the welcome bonus less attainable. My advice? Wait for a higher offer. Not too long ago, the card was offering 90,000 bonus points. Since you’re limited to one bonus, you might as well hold out for the highest one possible.
Annual fee: $250
Welcome bonus: 60,000 bonus points after spending $4,000 within the first six months of card membership.
Rewards: 4x points at restaurants worldwide; 4x points at U.S. supermarkets (up to $25,000 per year); 3x on flights; 1x on all other purchases
Travel benefits: $10 monthly credit valid at Cheesecake Factory, Gold Belly, GrubHub, Milk Bar, Wine.com, and select Shake Shack locations; $10 monthly Uber cash; no foreign transaction fees
Travel Insurance: Baggage insurance plan (up to $1,250); secondary car rental coverage
Read more: Amex Gold vs. Chase Sapphire Preferred® Card: Which travel rewards card is right for you?
How do travel credit cards work?
Travel credit cards offer rewards that you can redeem for nearly-free flights and hotel nights. There are generally three types of travel credit cards: ones that earn transferable points, that earn hotel points, or that earn airline miles.
A diverse points portfolio is part of a good travel hacking strategy, so you should aim for at least one credit card that earns transferrable rewards. This way, you’re not stuck with one currency and have flexibility in redeeming points. If one loyalty program devalues, you can transfer your points to another one. If one program limits award space, you can transfer points to one with the seats or rooms you need.
Travel credit cards go beyond points. Many offer recurring travel perks like free hotel nights, airline credits, lounge membership, elite status perks, and more. If you play your cards right, travel credit cards can improve your travel experience substantially and help you save money.
The only downside is that most travel cards carry annual fees. Some of these fees go as high as $695. You’ll want to evaluate the card’s features and recurring perks before choosing one. The last thing you want is to shell out thousands of dollars in credit card annual fees and not get your money’s worth.
What’s the difference between points and miles?
Points and miles are two different types of currencies that can be used for travel. Points are generally issued by hotel loyalty programs or banks, while airlines issue miles. Of course, there are exceptions. For example, JetBlue, Southwest and Air Canada all call their rewards currencies “points” rather than miles.
Most banks have transferrable rewards they call points — these rewards can be used towards travel or cash back at a fixed cost. Their best use is transferring them to participating airline or hotel loyalty programs. Most transfers are 1:1 and nearly instant.
Airline miles are ideal for flights, while hotel points are best for free nights. Some hotel chains let you convert your points to airline miles, though the transfer ratio isn’t ideal. For example, Marriott points transfer to most airlines 3:1, with a 5,000-point bonus for every 60,000 points transferred.
For the best points strategy, you should have credit cards that earn points and miles. However, consider getting a transferrable rewards card like the Capital One Venture if you want to narrow it down to one card. You’ll earn 2x miles on every dollar spent and have access to 15+ airline and hotel transfer partners.
And if you don’t want to figure out where to transfer your points, you can redeem them towards travel purchases at one cent each.
How to choose a travel card
With so many great options, choosing a travel credit card can seem overwhelming. Everyone has different goals and spending habits, so there is no “best credit card” that meets every need. But if you’re in the market for a travel card, there are a few factors to consider that will help you make the best choice:
1. Know the (credit card application) rules
Most banks require good credit for travel cards, but did you know they also have various rules that impact approvals? Before you apply for a credit card, you should familiarize yourself with these rules to avoid unnecessary rejection. Here are some credit card application rules from different banks:
American Express
Once-per-lifetime rule
Five card limit
No more than two cards within 90 days
American Express has three credit card application rules you should be aware of. The first is the once-per-lifetime rule, which applies to most credit cards. If you’ve received a welcome bonus for an Amex card, you generally will not receive it again. There are, of course, exceptions, especially on targeted offers sent via mail and email. Be sure to read the terms and conditions of any such offers you receive.
The five-card limit restricts you to no more than five Amex charge cards open at a time. This rule does not apply to business cards. You also won’t be approved for more than two Amex cards in 90 days.
Capital One
Welcome bonuses are restricted for existing cardholders
Many Capital One cards have language on the marketing page prohibiting the welcome bonus for anyone who has had the card before. The Capital One Venture X, Venture, and VentureOne have this restrictive language.
The Spark Cards are vaguer, stating, “The bonus may not be available for existing or previous Spark cardholders.”
Keep this in mind if you’re applying for a Capital One credit card you’ve had before.
Chase
5/24 rule
24 and 48-month rule
No more than two cards within 30 days
Chase’s 5/24 rule is perhaps the most well-known credit card application rule. If you’ve applied for five or more credit cards from any bank in the last 24 months, you won’t be approved for a Chase card.
The 24-month rule applies to the Chase Freedom Flex℠ and Chase Freedom Unlimited®. If you’ve had the bonus in the last 24 months, you won’t qualify for another one.
Similarly, if you’ve had a Chase Sapphire Reserve® in the previous 48 months, you’re not eligible for another one.
Lastly, Chase won’t approve you for more than two cards within 30 days. Keep these rules in mind and time your applications accordingly.
Citi
24 and 48-month rule
No more than one card every eight days
No more than two cards every 65 days
Citi won’t approve you for a Citi Premier® Card or Citi Rewards+® Card if you’ve had it in the last 24 months. Meanwhile, the CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard is off-limits if you earned the welcome bonus or closed the card within the previous 48 months.
Lastly, Citi will only approve you for one card every eight days or more than two every 65 days.
2. Get a card that suits your goals
When choosing a travel credit card, you should consider your spending habits and redemption goals.
Are you primarily a budget traveler looking to get the family to Disney World next summer? Or perhaps you want to experience the thrill of flying international first class with your significant other.
Your travel goals matter because they determine the rewards you should be earning and card perks that will suit your needs.
3. Decide on co-brand vs. transferrable rewards
As we’ve established, there are three types of cards: co-branded airline cards, co-branded hotel cards, and transferrable rewards. Think about which type of card will meet your travel goals. Generally, you’re better off with a transferrable rewards card because of the flexibility you have in using the points.
However, a hotel credit card might be handy if you’re planning a trip with hotel stays. You’ll get elite status and maybe even annual free nights. Meanwhile, you might consider getting an airline credit card for elite-type perks like free checked bags and priority boarding.
4. Go for a big welcome bonus
When it comes to welcome bonuses, you should aim for at least 50,000 points or higher. That’s pretty standard nowadays and enough to cover at least two round-trip domestic flights.
When you apply for a credit card, you incur a 2-5 point credit score hit, so make it count by getting a substantial bonus in exchange.
Read more: Best credit card sign-up bonuses
5. Evaluate your spending habits
Think about which categories you spend the most on and find a card that offers bonus points on that spending.
Similarly, if you’re not a big spender, you might want to steer clear of credit cards with large spending requirements. There’s no sense in applying for a card if you can’t meet the spend to secure the welcome bonus. Or even worse, if you have to go into debt to meet the requirement.
6. Pick a card with purchase and travel protections
Most people ignore this, but it’s crucial. Purchase protection can cover expensive items in case of damage or loss. The same goes for travel protection — if your trip is canceled for unforeseeable reasons, your credit card’s travel insurance can save you a lot of money.
So take travel and purchase protection into account when choosing a credit card. You’ll be glad if you ever have to use it.
7. Check the fees
Most travel credit cards have annual fees, ranging from $95 to $695. When choosing a card, be sure to take credit card annual fees into account. If you can’t afford the premium version of a card, downgrade to the mid-tier version.
Another type of fee that can add up is foreign transaction fees. Most travel credit cards waive these fees, but no-annual-fee cards like the Chase Freedom Unlimited® still carry them. You’ll pay an extra 3% just to use your card abroad. If you plan on traveling internationally, get a card with no foreign transaction fees.
Read more: Best credit cards with no foreign transaction fees
The bottom line: Should you get a travel credit card?
Travel credit cards are great if you want to earn or redeem points for cheaper travel. They can also save you money with perks like airline fee credits, free hotel nights, elite status, and waived foreign transaction fees. A travel credit card can be an excellent tool in your travel hacking arsenal.
However, it can also be costly if you don’t take advantage of their various perks and add more cards to your wallet without a strategy. Think through the steps we’ve outlined above and make your decision wisely.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
*Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at upgraded status level through December 31, 2024. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.
Editor’s note: This is a recurring post, regularly updated with new information and offers.
When a credit card’s annual fee is over $600, many people raise an eyebrow and question whether its benefits make that fee worth paying.
That’s certainly the case with the Marriott Bonvoy Brilliant® American Express® Card — the premium card in the Marriott credit card family. Along with announcing several new and enhanced benefits in late 2022, we saw the annual fee jump from an already-pricey $450 to an eye-catching $650 (see rates and fees).
The truth is, cobranded hotel cards usually aren’t the best for maximizing your spending beyond purchases with a given hotel chain. But when a credit card offers a premium free night award each year and elite status that can provide suite upgrades and free breakfast, people pay attention.
The Hilton Honors American Express Aspire Card proves that it’s possible to get significant value from at least one premium hotel card by offering generous perks such as automatic top-tier elite status and weekend reward nights. After its recent changes, we’re breaking down whether the same holds true for the Marriott Bonvoy Brilliant below.
The information for the Hilton Aspire Amex card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Welcome bonus
Let’s start with the introductory bonus offer to examine whether the card is worth it.
With the Marriott Bonvoy Brilliant Amex, you can earn a welcome bonus of 150,000 Marriott Bonvoy bonus points after spending $6,000 on eligible purchases in the first six months; plus, earn 50,000 points after you stay six eligible paid nights at Marriott hotels through Jan. 31, 2024. This offer ends Aug. 9.
TPG values Marriott points at 0.84 cents apiece, meaning this bonus is worth $1,680.
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Some of the best uses of Marriott Bonvoy points include free nights at properties such as The Ritz-Carlton, Turks & Caicos, The St. Regis Bora Bora Resort, The West Hollywood Edition and the London Marriott Hotel Park Lane. Those who enjoy time on the powder may love ski-adjacent options at The St. Regis Aspen Resort, The St. Regis Deer Valley or The Ritz-Carlton, Bachelor Gulch.
Remember that American Express has restrictions that will limit your ability to collect a new-member bonus if you’ve had other Marriott products before. Fortunately, there’s a pop-up that will tell you if you are not eligible for the bonus when you apply before Amex runs your credit — and our chart can help clarify things as well.
Related: Marriott’s dynamic award pricing is live — here’s what that means for travelers
Annual free night award
Each year after your card renewal month, you’ll receive a free night award worth up to 85,000 points.
In case you need some inspiration for what that can get you, this can include the luxurious St. Regis New York and St. Regis Deer Valley in the U.S., The Ritz-Carlton, Turks & Caicos for a Caribbean getaway, The Ritz-Carlton, Kyoto in Japan or idyllic overwater bungalows at the St. Regis Bora Bora or The Ritz-Carlton Maldives, Fari Islands.
That said, due to Marriott’s dynamic pricing model, you’ll want to do a calendar search for flexible dates in order to find nights that cost 85,000 points or less.
The annual free night award has significant value, but it’s also worth pointing out that you can only use this award to stay for a single night. This could be challenging if you have plans to stay two nights or longer. If you maximize this award night and stay at a property costing 85,000 points, you have three less-than-ideal options for subsequent nights:
Pay 85,000 points from your Marriott balance.
Pay the cash fee (which can be quite high).
Move to a different hotel.
For this reason, people have differing opinions on the value of free night awards that are worth a single night at a luxury property.
Related: 9 places to maximize the new 85,000-point Marriott award night certificate
Up to $300 in dining credits per year
In the past, Marriott Bonvoy Brilliant Amex cardholders had an easy-to-use annual credit for up to $300 to use on spending with Marriott-affiliated properties. But when the Brilliant underwent its changes in 2022, this changed to monthly dining credits. While the maximum value per year ($300) remains the same, the credits are now given as up to $25 per month.
This means that the credits are now more complicated to use, as you must remember to use them monthly rather than simply paying for hotel stays related to the hotel program affiliated with the credit card at any time during the year.
That said, just about everyone spends at least $25 per month at restaurants, so as long as you remember to use the credits each month, this can help to offset nearly half of the card’s $650 annual fee (see rates and fees).
Related: How to use Marriott Bonvoy Brilliant’s $25 monthly dining credit
Elite status and related perks
The card offers automatic Marriott Platinum Elite status. In terms of Marriott’s status tiers, this is the level where valuable perks start to kick in.
Platinum Elite members are eligible for late checkout and early check-in, when available, plus room upgrades based on availability at arrival — including eligibility for upgrades to suites. At the Platinum level, you also have access to welcome gifts at check-in and free breakfast at select properties.
Unfortunately, you are not entitled to a Choice Benefit (the most valuable of which are five Suite Night Awards) just by having this card. You can, however, earn a Choice benefit by spending $60,000 on your card in a calendar year or, alternatively, by reaching 50 elite night credits. You’ll automatically get 25 credits by having your card, so you’ll need to stay just 25 additional nights to qualify for the Choice benefit.
Note that you can only earn one set of elite night credits from personal Marriott cards, regardless of how many you have. However, this benefit can stack with the 15 elite night credits given to cardholders of a Marriott business card — like the Marriott Bonvoy Business® American Express® Card.
If you have both the Bonvoy Brilliant and the Bonvoy Business cards, you’ll have 40 elite night credits, so you’ll only need to stay 10 qualifying nights to get the Choice benefit.
And if you’re shooting for Titanium Elite status, you’ll need 75 qualifying credits. The 40 elite credits you’d get from holding both the Brilliant and the Business cards will get you over halfway there.
Related: Your complete guide to earning Marriott elite status with credit cards
Other perks
Other built-in perks of the Marriott Bonvoy Brilliant card include a Priority Pass Select membership, which gives you and two guests unlimited access to more than 1,300 airport lounges worldwide, as well as an up-to-$100 Global Entry or TSA PreCheck application fee credit.
The Priority Pass membership is not a massive value-add if you already receive the benefit through other cards. However, if you already have Global Entry or TSA PreCheck because you received it for free with another credit card, you can use this credit to cover a friend’s or family member’s application fee. Enrollment is required for select benefits.
The Marriott Bonvoy Brilliant Amex’s earning structure is similar to the other Marriott cards but with two additional bonus categories: dining and airfare. Cardholders earn 6 points per dollar on eligible purchases at hotels participating in the Marriott Bonvoy program, 3 points per dollar at restaurants worldwide and on flights booked directly with airlines, and 2 points per dollar on other eligible purchases.
Based on TPG’s valuations, that’s essentially a return of 5% on Marriott purchases, 2.5% on restaurants and flights and 1.7% on everyday spending. Those rates aren’t earth-shattering but aren’t bad for a cobranded card.
Related: Earn bonus Marriott points on your Uber rides and food delivery orders
Bottom line
While it might not be the best card for everyday spending, there’s plenty of value in the Marriott Bonvoy Brilliant card if you frequently stay in Marriott properties and place value in the elite perks the card offers. In fact, it may be a no-brainer for the program’s most loyal guests.
Depending on how you value these benefits, you could love the status, dining credits and more valuable free night award. Still, you may also think the annual fee is too much because you don’t see yourself maximizing them. Be sure to calculate the value you’ll get from the card before deciding to add it to your wallet.
Official application link: Marriott Bonvoy Brilliant American Express Card with 150,000 Marriott Bonvoy bonus points after spending $6,000 on eligible purchases in the first six months; plus, earn 50,000 points after you stay six eligible nights at Marriott hotels through Jan. 31, 2024. Offer ends August 9.
For rates and fees of the Marriott Bonvoy Brilliant Amex, click here.
Additional reporting by Emily Thompson, Ryan Wilcox, Summer Hull, Jennifer Yellin and Benji Stawski.
Credit cards (and earning their sign-up bonuses) are at the top of our list when it comes to easy ways to earn points and miles. Beyond that, we really hope you’re shopping through an online shopping portal like Rakuten to earn even more cash-back or rewards points on your online purchases.
But you may have overlooked one of the simplest ways to earn points and miles: linking a rewards program in some of your favorite apps. If so, now is the time to grab your phone and make sure you’ve connected your accounts to earn rewards for multiple programs when you make a coffee run or call a rideshare.
Starbucks
In late 2022, Delta and Starbucks announced their partnership to allow customers to link their rewards accounts, earning Delta SkyMiles alongside Starbucks Star Rewards and double Starbucks Stars on Delta flying days.
Don’t expect a free flight from a coffee order, but over time, you’ll build up your SkyMiles balance. Plus, those with linked accounts got a 500-mile boost this past spring, a nice consolation prize for those of us crying into our lattes about the recent Starbucks rewards devaluation.
And of course, be sure to use a card that offers a nice bonus on dining purchases.
Related: The best credit cards to use at Starbucks
Lyft
On your Lyft app, you may think you’re already maximizing your earning potential by setting an eligible Chase card as your automatic payment method. But if you haven’t chosen a travel rewards program to link, you still leave rewards on the table.
From the app menu, select “Rewards.”
You can connect your Delta SkyMiles, Hilton Honors, Alaska Mileage Plan or Bilt Rewards account from there.
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Note that different types of rides earn different reward amounts on your linked account, so be sure to check out Lyft’s description of each program’s earning potential before deciding which one to link to.
Pro tip: Consider Bilt Rewards. This is often the most valuable partner since you can earn 2 points for every dollar spent and transfer them to a variety of partners (including Hyatt) at a 1:1 ratio.
Related: Triple stack these offers to maximize your next Lyft ride
Uber
In addition to taking advantage of your Amex Uber credits, ensure you’ve linked your Marriott Bonvoy account to your Uber account.
From your app’s menu, select “Partner Rewards.”
You’ll see your Uber credits from your Amex(es) at the top. Then, if you haven’t connected your Marriott Bonvoy account already, click below to enter your account information.
Once they’re connected, you’ll start earning Marriott points on qualifying Uber transactions.
And for both Uber and Lyft, consider adding a card that offers a bonus on travel purchases. One particularly great option right now is the American Express® Green Card, which is offering a best-ever welcome bonus of 60,000 Membership Rewards points after you spend $3,000 on purchases on your new card in the first six months of cardmembership. Plus, earn 20% back on eligible travel and transit purchases made during your first six months of cardmembership (up to $200 back in the form of statement credits).
Related: Earn Marriott points on Uber rides and food delivery
Bottom line
Ensure you’re taking advantage of opportunities to double dip rewards when you spend, including linking partner programs through the apps you use regularly. And while you’re at it, become the friend who volunteers to call the rideshare or make the Starbucks run. Bonus rewards await.
It’s vacation time, and the whole family is packed and ready to enjoy some days off — including your four-legged (or feathered or scaly) family member.
Some hotels, including those within the Marriott brand, throw you a bone by letting you bring your pets on trips. Let’s take a look at the Marriott pet policy and how it compares to other hotel chains.
Marriott’s pet policy
Marriott has a pets welcome policy stating, “We recognize that your pets are a valued part of your family, which is why we offer our guests a selection of hotels that invite you to bring your domesticated pets along for your stay within our global portfolio of brands.”
There are more than 1,500 pet-friendly Marriott hotels in the U.S. that allow stays for dogs, cats, birds and fish.
🤓Nerdy Tip
Some international properties allow pets as well, but Marriott recommends visiting the hotel’s website or contacting directly for more information regarding pets in a Marriott hotel.
Nonrefundable pet cleaning fees ranging from $20 to $250 either per night or per stay may apply. Additionally, many properties impose pet weight limits ranging from 25 pounds to 70 pounds.
Depending on the property, animals might not be allowed at the spa, pool or restaurant areas. Be sure to contact the hotel you are staying at to learn more about its specific pet policy.
To avoid ending up in the doghouse instead of a hotel room, we recommend checking an individual hotel’s pet policy carefully before booking a stay.
Pet-friendly Marriott hotels
Marriott pet-friendly brands include but are not limited to:
AC Hotels.
Delta Hotels.
Element by Westin.
Le Méridien.
Residence Inn.
TownePlace Suites.
Overall — and frustratingly — the Marriott pet policy is rather inconsistent across its brands, let alone within a single hotel brand.
For example, various Four Points locations can have widely different pet policies, even though it’s the same brand.
Four Points by Sheraton Chicago-O’Hare Airport: Pets are not allowed.
Four Points by Sheraton Los Angeles International Airport: Dogs under 40 pounds welcome; $100 nonrefundable fee per stay.
Four Points by Sheraton Salt Lake City Airport: Only dogs under 70 pounds are welcome; $20 nonrefundable pet fee per night plus $50 nonrefundable pet fee per stay.
Marriott service animal policy
All Marriott hotels located in the U.S. allow service animals, per the Americans with Disabilities Act. The pet cleaning fee isn’t charged in this case, which allows you to fetch a great deal on a hotel stay with an animal.
If you have a service animal and are traveling outside of the United States, you’ll have to read each property’s terms carefully. On the “Overview” page of any Marriott hotel’s website, scroll to “Accessible Hotel Features” and look for the indication that service animals are welcome.
How to find a pet-friendly Marriott property
On the Marriott website, search for a destination and travel dates as you normally would. On the results page, select the “Pets welcome” filter, and your results will automatically narrow down to only properties that allow pets.
In the Marriott app, search for the destination and travel dates. Once the search results pop up, select filters and check the “Pets welcome” box.
Once you select a pet-friendly hotel and pick a room rate, select “Choose Room Features” and check the “Bringing a pet” box. You’ll also be able to view an individual hotel pet policy, which includes the number of pets allowed and the pet fees.
How staying with pets at Marriott hotels compares to other hotel chains
When it comes to pet-friendly hotels, Marriott is near the top with a rating of 4.5 out of 5 — tied with Hilton — according to a recent NerdWallet analysis.
More than 60% of Marriott hotels accept pets. However, the average pet fee at Marriott properties is just under $100 per stay, which is above the average pet fee across all hotel chains ($81.60).
Marriott pet policy, recapped
Oftentimes, the cost of boarding an animal will have you rolling over playing dead. The comfort of being able to bring your furry, scaly or feathered friend with you for a complete family trip can turn even a midrange hotel into a five-star feeling.
Thankfully, plenty of Marriott’s brands allow pets. But policies are unpredictable across the properties, so you’ll have to read the fine print at each hotel you’re considering.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023, including those best for:
Family travel is a whole other ballgame. The strategy, gear, planning, expectations and number of times you may answer “Are we there yet?” make it an entirely different sport than solo or adults-only trips.
While traveling with kids is arguably quite different than taking a trip without a child (notice we didn’t call it a “vacation” with kids), it doesn’t have to be intimidating. In fact, there are countless ways to experience memorable moments and make lifelong memories with your kids, whether you hike the mountains of Machu Picchu or ride the newest coaster at Disney World.
Related: TPG’s 10 top family vacation destinations
To make the journey a little easier, we’ve compiled our 43 favorite family travel tips. Whether you’re traveling with infants, teens or some of both, these tried-and-true tips are bound to ease travel headaches and ensure your family travels are as fun and carefree as possible.
Travel tips for infants and toddlers
Having a baby does not mean the end of your time as a traveler. It may cause you to temporarily pause your adventures, and it will certainly change how you travel. But traveling with a baby is still worth the effort.
While it’s true that your baby may not remember the details of your trips during the first few years, quality time together is invaluable. You will always remember their first big vacations.
Some travel is often easier with a small, snuggly baby than with a growing, active toddler, so don’t be afraid to plan something while your little one is still young.
Use the right travel stroller
If you plan on traveling with a stroller, you want one that is lightweight and easy to maneuver through the airport or rough terrain, if necessary, once you reach your destination.
Related: These are the 13 best travel strollers for your next trip
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If you choose to gate-check your stroller, foldability isn’t as important. Instead, prioritize protecting your stroller from dirt and damage by investing in a stroller with a bag. For long layovers, you can request to have your gate-checked stroller delivered to you between flights so that your baby has a safe and comfortable place to rest while you navigate the airport. Just ask the gate agent when you check your stroller.
Baby-wear
To keep your hands free and your baby snuggled, you may choose to baby-wear through the airport or on a flight (though most airlines don’t allow it during takeoff and landing).
The Transportation Security Administration rules state that infants may be carried in a sling or carrier while going through the walk-through metal detector, so you shouldn’t have to remove them for security — at least, according to the rules.
If it’s not too hot, baby carriers and slings also come in handy at theme parks, which allow baby-wearing on many family-friendly attractions. Just be sure you ask about safety restrictions before you ride.
Breastfeeding mamas should consider carriers that allow easy access for on-the-go nursing, such as those in sling or wrap styles.
Consider a Doona
If you don’t want to lug both a car seat and a stroller and your baby weighs between 4 and 35 pounds, you’re in luck: The Doona can serve the function of both. It transforms very easily from a stroller to a car seat and back again, all while your baby is strapped in.
Because of their convenience, Doonas are great for flights, cab rides, Uber rides and, frankly, any part of your busy life with a baby.
Think twice about flying with a lap infant
Most airlines allow children younger than 2 to fly as lap infants instead of purchasing separate seats for them.
The cost savings can be hard to pass up, and during those early months when the little one is nursing or sleeping a lot, it can be the easiest way to go. However, if your baby is fussy or you are flying solo, you may feel more comfortable keeping them in their car seat. If they can sleep through anything or you have someone you can split baby-care duties with, you may have more success flying with a lap infant.
If you do purchase a seat for your baby, there are dozens of portable car seats out there that are much easier to travel with than the bulky car seat you may have at home.
Get a car seat just for travel
The Cosco Scenera is a perennial favorite when it comes to travel car seats. At around 10 pounds and only $50 to $60, this car seat is a winner for travel when you need something easy and affordable. It’s rated for rear-facing little ones weighing between 5 and 40 pounds or forward-facing kiddos weighing 22 to 40 pounds.
Another model to consider is the WAYB Pico portable car seat, which was recommended by several TPG readers.
Use a car seat on the plane
Every kid is different, but if your little one sleeps well in a car seat in the car, they may do the same on a plane. If your kids are generally comfortable in car seats and have their own seat assignments on the plane, consider bringing the car seat on board for a secure flight experience.
Related: Car seats that are airline approved
Bring a Boppy pillow if you’re holding an infant
TPG’s senior director of engineering Mitchell Stoutin recommended using a Boppy nursing pillow for long flights with an infant. In addition to being handy for nursing, it gives your baby a comfortable place to rest. He also advised stashing your Boppy in a vacuum Ziploc bag to save space when not in use.
Sign your kids up for frequent flyer programs
Once you make the transition to buying your child a seat — either because they turn 2 or because you think having a separate seat will work best for your family — sign them up for a frequent flyer account and let the miles start rolling in.
No minimum age requirements exist for kids, so enroll them while they’re young to maximize their earnings.
Related: Earning frequent flyer miles for your kids just got a little easier
Board last
Most airlines let families with young children board early in the process, but as long as your family has assigned seats, you don’t need to worry about rushing to board before others.
Instead, have one parent get all the gear ready and board first while the other waits as long as possible before bringing the baby on board. This will help minimize the amount of time you have your little one in tight quarters, reducing the likelihood of a meltdown or further disrupting their schedule.
Pack your carry-on strategically
Think about everything you may need to easily access for yourself and your baby before organizing your carry-on. That way, you don’t forget any of your must-have items or struggle to find them while on board.
Consider packing food, diapers and extra outfits for at least twice as long as you think you’ll need them for your little one while in transit. Don’t forget to also bring clothes, snacks and drinks for yourself so you have everything you need.
As a general rule of thumb, it’s a good idea to have enough essentials to survive at least 24 hours off of what you bring on board, as you never know what is going to happen.
Bring large Ziploc bags and black trash sacks
Avoid packing a suitcase without tossing in a few Ziploc bags, grocery bags or trash bags. They can be used to stash snacks and store wet or dirty clothing.
As TPG executive editor Scott Mayerowitz shared, large black garbage bags can also work as blackout shades in a pinch.
Related: The best family beach vacation destinations to kick off summer
Find a space in your hotel for the baby to sleep
In the best-case scenario, you’ll have accommodations with at least two bedrooms so your baby has a dark, quiet place to sleep while you relax without disturbing them. However, there are times when having multiple rooms isn’t possible.
If you only have one bedroom, try putting a crib in a hotel closet or bathroom to achieve the same result.
Travel with gear that will help your baby sleep in the hotel
When it’s time for the baby to sleep, there are numerous sleep tents, shades and white noise machines to choose from. Here are a few of our most trusted options:
You don’t always need to buy new gear for a successful trip, though. One reader suggested using painter’s tape to cover outlets as a quick, cost-effective way to baby-proof your hotel room.
Related: These are the best New York City hotels for families to check out
Have diapers and essentials shipped to your final destination
While you need plenty on hand for that first day or two, you can purchase what you need from Amazon and have it shipped directly to your destination instead of traveling with an entire week’s worth of needed items like diapers and wipes.
Alternatively, you can use a service like Shipt or Instacart to have essentials delivered to your hotel or home rental after you arrive.
Pack the snacks
This is true for all ages but especially applies when traveling with infants.
Don’t ever assume anything baby-appropriate will be available while you are in transit. The last thing you want is the stress of scrambling to find what you need at the last minute.
To avoid this potential headache, pack enough formula, snacks and more so you have whatever your little one may need to stay happy and content.
Related: How to pack — and prepare — for travel with a baby
Travel tips for preschoolers
The good news is that when kids are old enough for preschool, they don’t need quite as much sleeping and transportation gear.
With preschoolers, you’ll want to pay particular attention to toys and activities that will keep them entertained, night lights that will help keep the “scaries” away and a few other important travel essentials.
Bring mess-free toys
When choosing toys to pack for a flight or road trip, keep in mind that you don’t want anything that will create a mess or get lost easily, such as Legos or slime.
For mess-free coloring, we love Crayola Color Wonder Markers and coloring pages. If you’re taking a long flight or road trip, consider suction toys that can stick to a car or airplane window.
Related: 14 mistakes parents make when traveling with kids
Pack hidden toys to reveal during your trip
A surefire way to keep your child content for extended periods of time is to hide some toys until your travel day arrives so they feel new and exciting. You can even wrap them up or dole them out periodically throughout your trip — we recommend packing one toy for each hour of a flight — to add an element of surprise.
Try visiting a dollar store or dollar aisle in a store to dial up the surprise factor. Trust us, the $5 investment will pay off in spades.
Related: Your guide to flying with kids of every age
Consider an inflatable booster seat
If your child has graduated to a booster seat (congrats!), there are inflatable and fold-flat booster seats available that are easier to haul when traveling by car.
While there are several options currently on the market, the BubbleBum inflatable booster seat is a TPG reader favorite.
Use a stroller
Should you find yourself covering lots of miles on your trip, having a stroller can come in handy, even if you don’t normally use one at home.
For example, at a large theme park like Disney World, you may find yourself needing a stroller until your kid is 6, 7 or even 8 years old if you are moving quickly and want them to easily keep up (or if you know they will fall asleep before you are ready to call it a night). This may mean renting one when you get there, though you may prefer to have your own if you’re doing more than spending time at Disney.
Get stroller straps
Because it isn’t socially acceptable to AirTag children (though they do come in handy for finding lost luggage), we instead suggest getting stroller straps that bigger kids can hold on to while you push younger children in the stroller. We’re particularly fond of the Tagalong Stroller Accessory.
Preschedule car service from the airport
If you need car seats or want to be sure you have a ride waiting for you when you land, Uber and Lyft now both have options for prescheduling a ride if you need one.
While the best service depends on where you are going, one option to try is Blacklane. Consider having your driver meet you inside at baggage claim if you’re traveling with a lot of gear.
Pack a night light
For kids who are afraid of the dark, night lights may come in handy. This affordable nightlight is small, sleek and easy to pack.
If you are going on a cruise and don’t have access to traditional power outlets, TPG senior travel editor Erica Silverstein suggests bringing along battery-operated tea lights instead.
Travel somewhere with a kids club
A magical milestone in travel is when your child turns 3 and is potty trained, as this unlocks access to a variety of kids clubs.
Whether you’re on a Disney cruise (like the new Disney Wish cruise ship, pictured below) or at a resort with a kids club (some of which are free to use), children’s clubs are great for preschoolers.
By going somewhere that caters to younger children, you’ll be able to get a well-deserved break while the kiddos are taken care of.
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Plan down days and afternoon rest
Even if your preschooler has dropped daily naps at home, it’s still smart to build some downtime into your vacation schedule. This is especially important because it’s likely that their sleep schedule will be a little off while you’re traveling and that your vacation will be more action-packed than what they’re used to at home.
To help your overtired kid adjust, plan a relaxing pool day or take an afternoon break in your hotel room to keep crankiness at bay.
Travel tips for elementary-age kids
As kids get older, they can do more while on vacation with less help, but the tried-and-true tricks for keeping them entertained may no longer work.
Because their brains are developing and becoming more complex, elementary-age kids will need to have access to more activities while they’re away from home. As a result, you’ll need to adjust your strategy for vacations so they continue to have a good time.
Use packing cubes for the family
This tip applies to all age groups but can be especially helpful when your child starts taking more of an interest in choosing their own clothes. By relying on packing cubes, you can keep clothing for every member of your family organized while saving space.
If you decide to use packing cubes, there are a couple of good methods to choose from.
You can have a packing cube for each day of your trip and put your family’s clothing for each day in one cube. This works well if you will be making multiple stops and don’t want to pack and unpack everything.
You could also pack each family member’s clothing in a separate packing cube, which is helpful when you are encouraging kids to get dressed on their own and choose their own outfits.
Leave 1 day free in the schedule
We’ve already covered the importance of leaving some flex time in the afternoons, but if you are traveling for more than a long weekend, we highly recommend leaving an entire day unscheduled. That way, the kids can either rest and chill or you have the ability to say yes to something they spot along the way.
Depending on your child’s interests, you may want to use your free day for activities like splashing around at a water park, checking out some animals at a zoo, enjoying an epic ice cream-tasting adventure or spending more time at the kids club.
The key is to leave this day flexible so you can cater some activities to what your kid is enjoying the most.
Take advantage of your hotel’s club lounge
Club access can be invaluable when traveling with kids.
If you stay in a club-level room at a hotel, you’ll often have daily access to breakfast, snacks and drinks. An added bonus is that the club can serve as a gathering spot for enjoying more time (and often gorgeous views) with them.
Related: Can you use a World of Hyatt club lounge access award for someone else?
Plan trips with another family
This is the age where having other kids around really starts to matter.
If at all possible, try planning the trip to at least overlap with time spent with cousins or friends. Doing so will virtually guarantee the kids will have a better time, which means you will, too.
For these types of trips, you may want to look into finding a good vacation home rental.
Related: Why the best big family vacation may be skiing
Travel tips for tweens and teens
Traveling with tweens and teens is completely different than traveling with younger kids — something you probably know all too well if you are currently living with them.
At this age, kids are well on their way toward becoming full-fledged adults. As a result, they deserve a taste of the space, privacy and independence that comes along with adulthood.
Build an activity bag
It’s easy to assume the phone will do the trick, but TPG editor Kristy Tolley is a proponent of custom activity bags to keep kids (including older ones) occupied on long trips.
For your activity bag, consider anything from snacks to quiet toys to new games for their Nintendo Switch to art supplies — whatever will keep them entertained while you get to your final destination.
Double-check downloaded content
Wi-Fi on airplanes can be quite finicky. Even if you pay for it, there’s never a guarantee it’ll work for the entirety of your flight. Because of this, download movies, music, games and more to your device (or your child’s) before your trip.
When downloading movies or TV shows, turn to multiple sources like Netflix, Disney+ and Apple. That way, if you run into issues with one provider, you still have content from the others.
Also, remember that messaging others is free on many flights, so be sure your teen has the airline app downloaded if you want them to be able to keep using services such as iMessage while in the air.
Enroll your child in TSA PreCheck
Until they turn 13, kids traveling with a parent or guardian with TSA PreCheck will be allowed to go through the expedited security line even if they themselves don’t have TSA PreCheck.
Even after they turn 13, kids 17 and younger can typically use the TSA PreCheck lines with their parent or guardian as long as the teen has the indicator on their boarding pass.
If you have a credit card that reimburses fees for TSA PreCheck, you can recoup the cost of your child’s application. Note that Clear continues to work to bring kids through until they turn 18.
Related: Why you should get TSA PreCheck and Clear — and how you can save on both
Consider connecting rooms
The days of squeezing two or three kids into one queen-size bed are probably long gone once they reach their teenage years. Not to mention, trying to have the whole family use one bathroom is an ordeal you likely won’t want to go through.
To keep the peace, consider reserving connecting hotel rooms.
With connecting rooms, you’ll have double the beds, bathrooms and storage space. Plus, teens and tweens will have the space and privacy they need without you being too far away to keep an eye on them.
Related: Big news for families: Hilton to guarantee adjoining rooms with ‘Confirmed Connecting Rooms’
Let kids choose a few activities (or plan the whole day)
At this age, kids are not just along for the ride. Give them some input (and independence) by allowing them to help plan your trip. Odds are they’ll be more engaged by being involved in the planning.
Bring a friend
While planning trips with other families is a good strategy with elementary-age kids, by the time kids are teens, just bringing along one of their friends could be sufficient.
To keep the costs down, consider using an airline companion certificate to bring along that friend without spending extra.
Go somewhere with a teens club
If you are visiting a resort or destination where you may be going light on activities, lean into places that have a space just for teens.
Cruise ships are fantastic when it comes to this, as they often have kid-focused spaces divided into pretty distinct age ranges. For example, Disney Cruise Line has a club for kids ages 3 to 12, another for those between 11 and 14 and then one for teens ages 14 to 17.
By taking advantage of clubs that are broken up into designated age groups, your teen can have plenty of fun without the annoyance of hanging out with younger kids.
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Related: Child turning 18? Here’s everything you need to know before the next time they travel
General family travel tips
Some family travel tips transcend age groups.
Regardless of how old your kids are, where you’re traveling or how you’re getting to your vacation destination, there are a few tips you’ll always want to keep top of mind.
Utilize airport lounges
Airport lounges are becoming more and more kid-friendly, as they offer dedicated family rooms with toys and kids shows on TV, plus food that will please picky eaters. Additionally, if you have a long layover or are dealing with flight delays or cancellations, you’ll be much more comfortable waiting in a lounge instead of at your gate.
You can purchase a day pass to many lounges but may be able to get yourself and your family in for free with certain credit cards or airline status. For example, The Platinum Card® from American Express grants the cardmember and one guest complimentary access to Priority Pass lounges and access to Centurion and Escape lounges, though complimentary guest access depends on how much you spend annually.
Related: Best credit cards for airport lounge access
Upgrade to a suite
Similar to springing for connecting rooms, upgrading to a suite will buy you additional space and, sometimes, a pullout sofa that adds another sleeping option.
You’ll also have more room for your family’s belongings and areas for relaxing and dining so your kids don’t spend all their time jumping, eating and lounging on the beds.
Check for reciprocal zoo and museum memberships
If you have a membership to your local zoo or museum, you may be able to use reciprocal benefits for free or discounted entry to other zoos and museums that you can visit on vacation.
This information is usually available on your zoo or museum’s website, but you can also check lists on the Association of Zoos & Aquariums’ page about reciprocal admissions or on the North American Reciprocal Museum Association website.
Get a travel tracker that doubles as a memento
There are so many unique travel souvenirs you can get that also serve as keepsakes for remembering your child’s travel “firsts.”
These Junior Frequent Flyer flight logbooks allow you to record your child’s flights while teaching them about aviation.
If a national park visit is in your future, order a standard or junior National Parks Passport and collect stamps every time you visit a new park.
Don’t forget important medicines
When you are away from home, you have to be prepared for anything. That includes unexpected sicknesses and accidents.
Pack kid-safe and grown-up medicines, as well as Band-Aids, antibiotic ointment and other first-aid necessities in your carry-on bag so you won’t be without them if your checked luggage is delayed or lost.
Bring an extra bag
If you are traveling between a cold climate and a hot one, pack a lightweight tote bag that can fold into your carry-on so you can easily gather up everyone’s coats once on the plane. By keeping this tote tucked away until you’re on board the aircraft, you’ll enjoy an extra allowed bag, saving you the headache of trying to determine where to put bulky coats.
Get Global Entry for each family member
Unlike TSA PreCheck, which allows kids to travel with an eligible adult until they turn 18 (in most cases), anyone wishing to use Global Entry to expedite reentry into the U.S. needs to apply for the program.
Global Entry can save valuable time spent waiting in line. However, you’ll need to apply well in advance of your trip so you have time to submit your application, complete an in-person interview and await approval.
Similar to TSA PreCheck, you can use a credit card that will reimburse your child’s Global Entry application fee.
Try out the games built into many spaces
It’s easy to miss, but many resorts, theme parks and cruise ships have a hidden layer of fun that ranges from traditional scavenger hunts to interactive activities you can unlock with an iPhone or similar device.
While the youngest travelers won’t benefit from these types of experiences, they can be fun for a variety of age ranges, especially elementary-age kids and tweens.
Related: Disney World rolls out all-new MagicBand+: Here’s what this wristband can do for your trip
Bottom line
Family travel has its own built-in challenges, but it also comes with immense rewards.
By knowing all the tips and tricks to traveling with kids, having the right gear with you, mapping out a game plan and having the right attitude and realistic expectations, you can have a memorable vacation every member of the family enjoys.
You may not get to do everything you want or sometimes feel like it’s more of a hassle than a vacation. However, if you’re willing to be flexible and appreciate when things go according to plan — even if the end result isn’t quite what you had hoped for — you’ll find yourself eager to book your next family trip before you have the bags unpacked and put away.