If you work hard amassing miles and points, it’s worthwhile to know that while some credit card rewards die with you, there are issuers who allow redemptions or transfers after death.
Here’s a closer look at what happens to credit card rewards when you die, as well as what steps you can take to avoid forfeiting your rewards.
What Are Credit Card Rewards?
Credit card rewards are a type of currency that can come in the form of credit card points, miles, or cash back rewards. They’re designed to incentivize cardholders to make eligible purchases on their rewards credit card.
As you make purchases and earn various credit card rewards, you can choose to hold onto the rewards in your account until you have enough to redeem toward a high-value purpose. Each rewards program lets cardholders redeem rewards in different ways, depending on its rules. Common redemption options include statement credits, travel bookings and reservations, special experiences, merchandise, gift cards, and more.
Recommended: Tips for Using a Credit Card Responsibly
What Happens to Your Credit Card Rewards Upon Death?
Having a stockpile of credit card rewards after death might lead to a sticky situation for your surviving family. Akin to your credit card debt after death not passing on to your survivors in some states, some credit card rewards “die with you” and can’t be redeemed or transferred to your family or estate.
Conversely, some credit card issuers, like American Express, offer a limited period during which authorized trustees of your estate can redeem unused rewards. Certain programs that permit reward redemptions or transfers after death might require the outstanding account balance to be paid in full.
In other words, what happens to your credit card rewards after you pass on depends on the terms laid out in your rewards program agreement. Some rewards terms specifically state that rewards aren’t the property of the cardholder and can’t be transferred through inheritance.
Recommended: What Is the Average Credit Card Limit
What To Do With Credit Card Rewards if the Account Holder Dies
If you know that your deceased loved one amassed credit card points, miles, or cash back rewards, there are a few steps you can take to address it:
1. Check on accounts and rewards balances. If your deceased loved one gave you access to their account before their death, log in to get an overview of their remaining rewards balances across all accounts. If you don’t have access to their accounts, proceed to the next step.
2. Prepare paperwork. You’ll likely need to provide proof of the primary cardholder’s death, such as a copy of their death certificate. Additionally, you might need to provide the name and contact information of the authorized trustee, letter of testamentary, or other details.
3. Contact the card issuer. You must inform the card issuer in the event of a primary cardholder’s death. Supply the necessary documentation you’ve gathered, and inquire about your options to redeem the rewards.
Generally, credit card companies offer at least one of a few options, though how a credit card works will vary by issuer. The rewards might be forfeited if they’re non-transferable or expire upon the cardholder’s death. Some credit card terms automatically convert the rewards into a statement credit, while other issuers allow rewards redemption or transfers to another existing, active account.
Ways You Can Avoid Forfeiting Your Credit Card Rewards
You’re ultimately at the mercy of a reward program’s user agreement in terms of what to do with credit card rewards after death. However, planning ahead can help you avoid relinquishing earned rewards.
Not Hoarding Your Points
To avoid facing a scenario in which your credit card rewards die with you, make an effort to redeem credit card points or miles on a rolling basis.
For example, at the end of each year, use credit card rewards to travel for less money or apply them to your account as a statement credit. Keep in mind that different redemption options have varying valuations, so look into which redemption strategy makes sense for your situation.
Choosing Cards With Favorable Death Terms
Although a particular program might offer enticing rewards — such as the chance to enjoy credit card bonuses — it might not be advantageous if the program has strict terms regarding a cardholder’s death.
American Express, for instance, has relatively lenient terms when dealing with the rewards balances of a deceased cardholder.
Recommended: How to Avoid Interest On a Credit Card
Using a Reward-Tracking Tool
If you have multiple rewards credit cards in your rotation, using a reward tracking app can help you and your surviving family organize and track your rewards. Apps like AwardWallet and MaxRewards can let you easily see all of your rewards in one view.
Naming a Beneficiary in Your Will
Although it’s not a foolproof way to avoid forfeiting your credit card rewards, adding a beneficiary to your will is a smart move. This way, if your card issuer allows rewards transfers or redemptions by authorized individuals, your beneficiary is formally named on your estate documents as your desired recipient.
The Takeaway
Since there’s no way to know when an accident or unforeseen health issue will result in your death, it’s best to be prepared. If possible, redeem earned credit card rewards in a timely manner so you can enjoy them in life. Or consider such steps as naming a beneficiary in your will or racking up rewards on a card with lenient transfer policies.
Whether you’re looking to build credit, apply for a new credit card, or save money with the cards you have, it’s important to understand the options that are best for you. Learn more about credit cards by exploring this credit card guide.
FAQ
Can I transfer points from the account of a late family member?
Whether you’re allowed to transfer points from your deceased relative’s rewards credit card account depends on the card program’s rules. Some banks allow points transfers, while other programs state that points are non-transferable. Contact the card issuer’s customer support team to learn about its point transfer policy.
Can an authorized user use credit card rewards upon the death of the account owner?
It depends. Not all credit card rewards programs allow authorized users to use a primary cardholder’s earned rewards. Those that do might have restrictions on how and when rewards can be redeemed after a primary user’s death, if at all.
What happens to the miles when someone dies?
Miles earned by a deceased primary credit card rewards cardholder might be forfeited, transferred, or redeemed by the estate or surviving family, depending on the rewards program. Terms vary between card issuers, and even across travel rewards programs, so call the program’s support team to learn about its terms.
Can estates redeem points after death?
Some rewards credit cards allow estates to redeem points after the primary cardholder’s death. American Express, for example, allows estates to request points redemption by submitting a formal written request with documentation.
Photo credit: iStock/supatom
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.
Looking to learn how to make money without a car? It might seem hard to make money without a car, but there are actually many ways to do it. You don’t need a vehicle to find opportunities that can earn you extra cash or even a full-time income. Whether you want to work from home…
Looking to learn how to make money without a car?
It might seem hard to make money without a car, but there are actually many ways to do it. You don’t need a vehicle to find opportunities that can earn you extra cash or even a full-time income.
Whether you want to work from home or find gigs in your neighborhood, there are plenty of options available to you.
Best Ways To Make Money Without a Car
Below are the best ways to make money without a car.
Here’s a quick summary of my favorites:
Best way to make money without a car by freelancing – Proofreading
Best way to make money without a car to work by yourself – Blogging
Best way to make money without a car for passive income – Selling printables
Best way to make money without a car for people who like numbers – Bookkeeping
1. Blogging
Blogging is a great way to make money without needing a car. You can write about topics you love and share your knowledge with others. All you need is a computer and an internet connection.
I started Making Sense of Cents in 2011, and I’ve made over $5,000,000 with my blog. I began my blog just to share my own money journey. At first, I didn’t even know people could make money from blogging or how to create a successful blog! I didn’t plan to make money with Making Sense of Cents, but after six months, I started earning from it.
And, it all started from home, where I didn’t need a car (and I still don’t need a car to do this job).
Starting a blog takes time and effort, but it can be very rewarding. Plus, you can do it all from the comfort of your home.
Learn more in my How To Start A Blog FREE Course. In this free course, I show you how to create a blog, from the technical side to earning your first income and getting pageviews.
2. Proofreader
Being a proofreader is a great way to make money without a car. You can do this from the comfort of your home. Many companies and individuals need proofreaders for their articles, books, and websites.
To start, you need a strong grasp of the English language (or whatever language you are proofreading in). Good attention to detail is also important. You don’t need a degree to become a proofreader, but it helps to know common style guides.
Proofreaders can make good money, and according to Salary.com, the average proofreader salary is $58,284 a year.
Proofreading is flexible. You can choose your own hours and work as much or as little as you want. This makes it a great side hustle or even a full-time job.
Learn more at 20 Best Online Proofreading Jobs For Beginners (Earn $40,000+ A Year).
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This free training teaches you how to start a proofreading side hustle (and how to earn $1,000+ per month!), even if you are brand new and don’t have any previous proofreading experience.
3. Sell printables on Etsy
Selling printables on Etsy is a great way to make money without needing a car. Printables are digital files like planners, calendars, art prints, and more.
Making printables on Etsy is a great idea because you only need to create one digital file per product. You can then sell that file as many times as you want.
Learn more at How I Make Money Selling Printables On Etsy.
Do you want to make money selling printables online? This free training will give you great ideas on what you can sell, how to get started, the costs, and how to make sales.
4. Dog walking
Dog walking is a fun way to make money without a car. You get to spend time with dogs and get some exercise too. Many people need help walking their dogs, especially if they have busy schedules.
There is a good chance that some of your neighbors within walking distance may need some help with their pets, and this is where you come in!
You can start by letting your neighbors know you are available. Put up flyers or post about your services in local online groups. Another great way to find clients is through dog walking apps like Rover and Wag that connect dog walkers with pet owners.
If you use an app like Rover, you can also offer pet sitting services. This can increase your earnings by taking care of pets overnight.
Dog walking usually pays between $15 and $25 per walk. If you walk several dogs in a day, it can add up quickly. For overnight stays, you might earn $25 to $70+ per day.
5. Freelance writing
Freelance writing is a great way to make money without a car. You can work from home or anywhere with an internet connection. All you need is a computer and some writing skills.
You can write blog posts, articles, or even social media content. Many companies need writers to create content for their websites and marketing materials.
Freelance writing lets you choose your own hours. You can work as much or as little as you want. This makes it a great option if you have other commitments like school or another job.
There are many websites where you can find freelance writing jobs. Examples include Upwork, Freelancer, and Fiverr. Some companies also hire writers directly through job postings on their websites.
I have been a freelance writer for years, and I think it’s a great way to earn income from home, without needing a car.
6. Virtual assistant
You can make good money by becoming a virtual assistant (VA). As a VA, you help clients with various tasks from your home.
Companies and busy professionals need help with things like managing emails and scheduling appointments. You can do this using just a computer and the internet.
Some VAs specialize in things like social media management. Others focus on tasks like data entry or customer service. You can choose what you want to do based on your strengths.
Working as a VA lets you set your own hours. You don’t need to commute anywhere since everything is done online, so this makes it perfect if you don’t have a car.
7. Online tutoring
Online tutoring is a great way to make money without needing a car. You can teach from the comfort of your own home and set your own schedule. There are many websites where you can sign up and start tutoring students in different subjects.
All you need is a computer and an internet connection. Tutor Me Education, for example, connects you with students looking for help in over 200 subjects. You create a profile, and students reach out to you.
If you enjoy teaching, this can be a fun and rewarding way to earn money. It’s also flexible, so you can work as much or as little as you want. This makes it easy to fit tutoring into your busy life.
Some tutoring platforms might require you to have some qualifications, but many are open to anyone with knowledge in a particular area. This means almost anyone can become a tutor and start making money.
8. Selling print-on-demand products
Selling print-on-demand products is a great way to make money without needing a car. You can create your own designs for T-shirts, mugs, and more. Once a customer orders, the product is made and shipped directly to them.
You don’t need to handle any physical inventory. This means you can work from home and all you need is an internet connection and some creative ideas.
Platforms like Etsy, Amazon, and Shopify make it easier to sell your print-on-demand products. They connect you to millions of potential buyers. You can also use services like Printify and Printful to help produce and ship your items.
Starting your own print-on-demand business involves little upfront cost. You only pay for the production of the item when a sale is made, so this reduces your financial risk significantly.
9. Graphic design
If you love art and design, graphic design can be a great way to make money. You don’t need a car for this job because you can do all your work from a computer at home.
Many businesses need logos, social media graphics, and other visual content.
You can find clients on platforms like Fiverr and Upwork, and you can start with small projects to build your portfolio. Once you have a few happy clients, you can charge more for your work.
10. Data entry
Data entry is a simple way to make money from home. You don’t need a car, and you can work in your pajamas (amazing, right?!).
Data entry workers type information into computer systems. Companies need people to enter data accurately and quickly, and this could be anything from names and addresses to inventory numbers.
These jobs can pay anywhere from $12 to $25+ per hour. The pay depends on the company and the complexity of the task.
Data entry is a flexible job. You can often set your own hours and work when it’s convenient for you.
While it may not be the most exciting job, it’s straightforward and doesn’t require a lot of training. This makes it a good option if you need to earn some extra cash.
11. Transcription services
Transcription work is a great way to earn money from home. You listen to audio files and type what you hear. Many companies hire beginners, so experience isn’t always necessary.
The pay varies, usually from $5 to $25 per audio hour.
Working as a transcriptionist can be flexible. You pick the hours you want to work, so this makes it easier to fit into your schedule.
Make sure you meet the typing speed requirements. Most companies look for accuracy and speed. Start practicing if you need to improve in these areas.
Learn more at 18 Best Online Transcription Jobs For Beginners To Make $2,000 Monthly.
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In this free training, you will learn what transcription is, why it’s a highly in-demand skill, who hires transcriptionists, how to become a transcriptionist, and more.
12. Dropshipping
Dropshipping is a great way to make money without a car. You don’t need to buy any stock up front. When a customer buys from your online store, you order the product from a supplier who ships it directly to them.
To start, find a popular product that people want. Use free tools like Google Trends to see what’s in demand. You could sell anything from phone accessories to pet supplies.
Dropshipping allows you to run a business from anywhere. All you need is a computer and internet. It’s perfect if you don’t have a car.
13. Affiliate marketing
Affiliate marketing is a great way to make money without a car. You can do it right from home or anywhere with an internet connection.
In affiliate marketing, you promote products or services for companies. When someone buys through your referral link, you earn a commission.
It does take time and effort to be successful. You’ll need to create content, like blog posts or social media posts, to share your affiliate links.
You could promote anything from clothes to electronics to digital products like ebooks or courses. Pick something you like and know about to make it easier.
For me, I have been doing affiliate marketing for years, and I think it’s a great way to make money at home without a car.
Learn more at Affiliate Marketing Tips For Bloggers – Free eBook.
14. Get roommates
Rent can be really expensive. If you want to save money or even make some extra, getting roommates can help.
When you share your place with others, you split the rent and utility bills. This makes living costs lower for everyone.
Finding roommates isn’t hard. You can ask friends or use sites like Facebook or Craigslist. Of course, you’ll want to make sure to choose people you get along with well.
15. Answer surveys
Answering surveys is an easy way to make some extra money without needing a car. Many market research companies want to know what you think about their products or services. They will pay you for your opinions in PayPal cash or free gift cards.
Each survey can take anywhere from a few minutes to half an hour. While you won’t become rich, it’s a simple and flexible way to make a small but steady income on the side. Even earning a few dollars here and there can add up.
The survey companies I recommend signing up for include:
American Consumer Opinion
Survey Junkie
Swagbucks
InboxDollars
Branded Surveys
Prime Opinion
Five Surveys
PrizeRebel
Pinecone Research
I have been answering surveys for years, and I have always liked how I can answer them at home without having to go anywhere. That makes it very easy!
16. Make money on YouTube
Starting a YouTube channel is a popular way to make money online, especially if you don’t have a car. You can record videos with your phone or camera, and you don’t need much else to get started.
You can make a YouTube channel about many different topics like money, home, travel, toys, pets, and more. There’s a YouTube channel for almost everything, and there’s still room for more!
In your YouTube videos, you can add links to products you recommend, earn money from ads that play during your videos, get paid by brands to show their products, and even sell your own items.
Recommended reading: How Much Do YouTubers Make?
17. Mow lawns in your neighborhood
Mowing lawns in your neighborhood can be a great way to make extra money without needing a car. Many people need help keeping their lawns neat, such as older adults or busy families.
To get started, you really only need basic lawn care equipment, like a mower and trimmer.
Next, spread the word about your lawn care services. Talk to your neighbors, put up flyers, or post on community boards online.
18. Deliver food on a bike
Not all food deliveries are by car – plenty can be done by bike, depending on where you live! Thanks to today’s gig economy, you have plenty of options depending on where you live.
If you live in a city, delivering food on a bike is a great way to make money part-time as a side gig or even full-time. You can work for companies like Uber Eats, Instacart (this is for grocery shopping delivery), or Postmates. These apps allow you to deliver by bike in many cities.
Biking means you don’t spend money on gas or car maintenance. Plus, it’s good exercise. You can even do food delivery by e-bike or scooter if you prefer.
Note: You do still have to do a background check, even though you won’t be driving and won’t have to use a driver’s license.
19. Babysit
Babysitting is a great way to make money if you don’t have a car. You can choose when you’re available, making it easy to fit around your schedule.
Lots of families need someone to watch their kids while they’re at work or out for the evening, such as your neighbors.
You can offer your help to neighbors, friends, and family members.
You might need to get CPR certified, but it’s worth it. Parents will feel better knowing their kids are in safe hands (plus, you’ll feel better too about watching someone else and feel more prepared).
20. Play game apps
You can make money by playing game apps on your phone. There are lots of apps out there that pay you to play games. Some popular choices include apps like Solitaire Cash and other game apps where you get paid for playing and watching ads.
These game apps can be fun and a good way to earn a little extra cash. You usually earn small amounts of money or rewards that you can cash out later. Still, it’s important to know that it’s not a way to get rich quickly.
Here’s a quick list of the top game apps that pay real cash:
KashKick
Swagbucks
InboxDollars
Freecash
21. Virtual bookkeeper
You can make money from home as a virtual bookkeeper. This job involves keeping track of finances for businesses.
All you need is a computer and internet access. You can work for one company or offer your services to multiple clients.
Before you skip this because you think you’re not qualified, you should know that you don’t need to be an accountant, have any previous experience, or even have a bachelor’s degree.
Virtual bookkeepers can earn a good hourly rate and often have the freedom to set their schedules. This can be a great option if you need flexibility in your work life.
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This free training will show you how to start a profitable bookkeeping side-hustle in the next 30 days—even if you have no prior experience!
22. Voice over acting
Voice-over acting is a fun way to make money from home. You use your voice to bring characters to life or narrate commercials and videos. It’s a great job if you’re good at reading aloud and can deliver lines clearly.
You don’t need a fancy setup to start. A decent microphone and free software can get you going. Many websites connect you with clients looking for voice talent.
You might work on video games, cartoons, audiobooks, or even ads. Each job can pay differently, so you can find ones that fit your schedule and skills.
Voice-over acting can be both fun and profitable. It’s a flexible way to make money without needing a car. Plus, you can do it all from the comfort of your home.
Learn more at How To Become A Voice Over Actor And Work From Anywhere.
23. Write book reviews
You can make extra money by writing book reviews from home. This is perfect if you love reading.
Authors and publishers appreciate your honest reviews because they help other readers decide what to read. These reviews are fun for readers and helpful for everyone.
Here are some websites where you can earn money by writing book reviews:
OnlineBookClub.org – They give you free books at first. After your first review, you can earn $5 to $60 per review.
Kirkus Media – They need reviewers for English and Spanish books. Reviews are about 350 words and due two weeks after you get the book.
The US Review of Books – They hire freelance writers for 250- to 300-word reviews that provide insights into the book. You need to submit a resume, writing samples, and references.
Reedsy Discovery – You can review books before they are published and earn tips from readers, usually $1 to $5 per review. This helps new books become more popular.
Learn more at 16 Best Ways To Get Paid To Read Books.
Frequently Asked Questions
You don’t need a car to make money. There are many ways to earn, whether from home, on foot, or on a bike. Here are some common questions and answers about how to make money without a car.
How can I make money if I don’t have a car?
You can make money by blogging, proofreading documents, or selling printables on Etsy. You can also offer services like dog walking. If you enjoy writing, freelance writing could be a good fit too. Many of these can be done from the comfort of your home or in your neighborhood within walking distance.
What kind of jobs can you do from home with no car or computer?
Without a computer, you can still find jobs like phone-based customer service or tutoring over the phone or by having your clients come to your home. Selling craft items or handmade goods can also be done from home. Some people even make money as virtual assistants using only their smartphones.
How can a college student make extra cash without having a vehicle?
Many college students don’t bring a car to college, and if that’s you, you may be wondering how you can make money. College students can babysit, tutor younger students, or work as a resident advisor at their college. Selling old textbooks and clothes can also bring in extra cash.
What are some delivery jobs with no car required?
For delivery jobs, you can use a bike or scooter. Platforms like DoorDash allow deliveries by bike in certain areas. Restaurants and local stores sometimes hire walkers or bikers to deliver goods too, but this is more common in big cities (like New York City or Chicago).
What to do with no money and no car?
If you have no money and no car, I recommend starting by looking for gigs that don’t require any investment, like babysitting or dog walking. Answering paid online surveys or signing up for cash back apps can also help you earn some spare cash. You can also offer to run errands or clean houses for neighbors for some quick cash, or even host a garage sale.
What to do if you need a job but have no transportation?
If you need a job but you have no transportation, then I recommend finding a work-from-home job like transcribing, virtual assisting, or data entry. If you want an in-person job but don’t have transportation, then you may need to look into your public transportation options, car sharing in your area, finding a shuttle service, using a rideshare app (like Uber or Lyft), or carpooling.
How To Make Money Without a Car – Summary
I hope you enjoyed this article on how to make money without a car.
There are many ways to make money without a car such as with online jobs like proofreading, blogging, selling printables, and bookkeeping. And, there are also ways to make money in person without a car, such as dog walking, tutoring, delivering food by bike, and mowing lawns.
What do you think is the best way to make money without a car?
When it comes to flying, most people want to avoid sitting in the dreaded middle seat. But how do you choose between an aisle or window seat?
Both seats have distinct advantages depending on how you like to travel. Learn more about the pros and cons of an aisle seat versus the window, things to consider when choosing and tips for getting the seat you want.
Aisle seats vs. window seats
Choosing between a window seat or aisle seat depends on how you like to travel and what you plan on doing during the flight.
While many travelers prefer window seats, aisle seats have a lot to offer as well. In short, the “better” seat is a personal preference and may change based on your travel plans.
Learn more about the pros and cons of the aisle versus window seats so you’ll know which one to pick on your next trip.
Pros and cons of choosing an aisle seat
Pros of aisle seats
Unrestricted access to the aisle. The aisle seat has easy access to getting up and sitting down. You don’t need to disturb anyone when heading to the bathroom or stretching your legs.
Get off the plane faster. You’re the first one into the aisle when it’s time to disembark. This makes it easier to grab your bag and catch your next flight.
Easier to stretch your legs. Seat pitch seems to be shrinking no matter which airline you’re flying. When you’re in an aisle seat, you can stretch your legs into the open space as long as you’re not blocking someone walking down the aisle.
Cons of aisle seats
Blocking access to the aisle. When row-mates want to get up to use the bathroom, grab a drink or stretch their legs, you have to get up to let them out.
Drink cart and passing passengers can hit you. If your elbow, knee or other body parts stick out into the aisle, you may get hit by the drink cart or another passenger.
Possible spills. Flight attendants try to be careful when passing drinks to passengers, but when you’re in the aisle seat, you’re more likely to get spilled on. These spills can damage electronics, ruin papers and harm clothing.
Limited view. It’s hard to compete with the window seat’s scenery.
Pros and cons of choosing a window seat
Pros of window seats
Better position to sleep. With a window seat on the plane, you can lean your head and body against the window and get some shut-eye. Even better, by sitting next to the window, others in the row don’t need to wake you up if they need to use the bathroom.
Incredible views. Aerial panoramas of Earth offer unparalleled views.
Control of the window shade
Cons of window seats
Harder to get up. If you want to get out of your seat, you need to “ask permission” from other passengers in your row. If they’re sleeping or their tray is full, accessing in-flight services, the bathroom or the overhead bin can be more cumbersome. This limited mobility can be a bummer.
Stuck getting off the plane. When it’s time to depart, you’re at the mercy of the speed (or lack thereof) of your seatmates. For travelers with tight timelines, it can be challenging to hurry them up without seeming rude.
Temperature variability: The wall of the plane can sometimes be cooler or warmer than the rest of the cabin, leading to potential discomfort.
Other things to consider when choosing a seat
On your next flight, consider these factors before choosing your window or aisle seat.
Is there a cost for seat selection?
Airlines are doing what they can to keep fares down and attract passengers. One strategy to increase revenue is charging for seat selection. On most airlines, the cost to choose your seat ahead of time varies based on how attractive the seat’s location is.
Typically, the added expense focuses on specific rows, but it can be on a seat-by-seat basis as well.
If you have a travel card that covers airline incidental charges as part of its benefits suite, you might not end up paying out-of-pocket for the privilege of seat selection.
Cards with airline incidental credits
The Platinum Card® from American Express
The Business Platinum Card® from American Express
Chase Sapphire Reserve®
on Chase’s website
Bank of America® Premium Rewards® credit card
on Bank of America’s website
Annual fee
Airline incidental benefit
Up to $200 annually with your preferred airline. Enrollment required. Terms apply.
Up to $200 annually with your preferred airline. Enrollment required. Terms apply.
Up to $300 annually. Terms apply.
Up to $100 annually. Terms apply.
Still not sure?
Do you have a tight connection?
If you have a tight connection for your next flight, your seat position can mean the difference between making or missing your flight. When you have limited time between flights, pick an aisle seat that’s as close to the front of the plane as possible.
Some passengers will be kind and let you through, but not everyone is so generous… especially if you’re sitting near the back of the plane in a window seat.
Are you planning to sleep on the flight?
Many travelers choose to sleep during their flight. Whether you’re taking a quick nap or sleeping on a red-eye flight, sitting in a window seat provides a better sleep experience. You’ll control the window shade to make it darker in the cabin, and you can lean against the wall for head and neck support.
There are also fewer disturbances from middle and aisle seat passengers, as well as flight attendants.
Do you use the bathroom often?
Travelers who use the bathroom frequently are better off selecting an aisle seat, since these seats provide easy access to the aisle for a quick getaway when needed.
Additionally, not only do your fellow passengers have to get up when you leave for the bathroom, you have to disturb them again when you return. Shy passengers sitting by the window may be hesitant to bother others and choose to hold it instead.
Will you be working on the flight?
Business hours often extend beyond the normal 9-to-5, especially with Wi-Fi more accessible on flights. If you’re someone who plans on working during the flight, sitting by the window is typically a better option than an aisle seat. You can spread out without fear of having to get up for someone to use the bathroom.
Plus, you can control the window shade if glare is an issue on your laptop or mobile device.
Do you need extra room to stretch out?
With legroom shrinking as airlines try to squeeze extra passengers onto planes, travelers must be strategic in order to stay comfortable while flying. Choosing an aisle versus window seat provides the opportunity to use the aisle to stretch out your legs even more.
The only downside is that your body parts may get bumped.
Tips for getting your seat of choice
Now that you’ve made a decision between a window seat or an aisle seat, follow these strategies to secure your preferred location.
Select seats during the booking process. When booking your flight, you may have the opportunity to select your preferred seat for free or a small fee. This is often your best shot at getting first dibs on a window or aisle seat in a desirable location.
Review the plane’s seating map. Seat maps vary widely across types of planes. Research the plane’s seating map on a site like SeatGuru to find the best seats for your flight, including exit row seats, away from bathrooms and avoiding bad seats.
Sign-up for the airline’s loyalty program. Signing up for frequent flyer programs is free, and your activities may earn you enough miles for a free flight in the future. When you fly enough to earn elite status, you may be able to select your seat before other travelers.
Choose seats without paying fees. If your airline charges a fee for picking a seat ahead of time, wait until check-in time. Typically, the seat selection fees are waived at this point unless you’re trying to pick a seat in a different fare class.
Confirm your selection ahead of the flight. Even though you picked your seat ahead of time, it is wise to confirm your seat selection one or two weeks before your flight. Glitches can happen in the reservation system that cause you to lose your assigned seat.
Watch out for plane swaps. If your flight changes aircraft, your assigned seat may change due to the new plane’s configuration. When this happens, the airline typically assigns you a new seat that may be different than what you want.
The bottom line
Among the travel community, there are strong opinions about whether the window or aisle is best. Both seat locations have a lot to offer, and the ideal seat often depends on what you plan on doing during the flight.
Before making a choice, consider the pros and cons when picking a seat. Then, use our seven tips to increase the chances of getting the seat you want.
To view rates and fees of The Platinum Card® from American Express, see this page.
To view rates and fees of The Business Platinum Card® from American Express, see this page.
Good dental health can be essential to your overall well-being, but the cost of dental work — even after dental insurance — can make it challenging to pay upfront. According to the American Dental Association (ADA), the average cost of a porcelain or ceramic crown is $1,213, while the cost of a root canal can range as high as $1,539 for a single session.
A dental credit card is a white-label version of a credit card intended to be used on dental care expenses. It is one way to cover these costs in smaller, more manageable installment payments. Although a credit card for dental work can serve as a useful financing tool, it’s also important to be mindful of the caveats of using credit for dental care.
What Is a Dental Credit Card?
A dental credit card is a credit card that’s designed specifically to pay for your out-of-pocket dental health care costs. These cards are typically offered in dental offices that accept the particular medical card it advertises as a form of payment.
Like a basic credit card, a dental credit card requires patients to undergo a credit check for qualification. The card’s use is limited to dental offices within the card issuer’s network for the purpose of financing your dental bills.
Dental care credit cards typically have high interest rates, even if they offer a temporary deferred interest period.
Recommended: Tips for Using a Credit Card Responsibly
How Do Dental Credit Cards Work?
Your dental provider’s office might mention a dental credit card as a payment option if you’re unable to cover the expense in one lump sum. Typically, the office facilitates the process of completing your application for credit approval, but it is not financing the cost directly. In other words, your dental office isn’t the lender.
Instead, credit for dental care is provided by a third-party credit card issuer. Similar to how a conventional credit card works, your application is reviewed by the issuer’s underwriting team, and your credit history and score are evaluated.
If you’re approved, the card issuer will send you a physical credit card that you can use for services at an in-network health care office up to your approved credit card limit. Your dental provider is paid in full by the card issuer, and you’ll repay the issuer through monthly payments, plus interest if you carry a balance.
Deferred Interest Periods on Dental Credit Cards
Some credit cards for dental work offer zero interest charges for a limited period, also called deferred interest. This option can be advantageous if you’re confident that you can successfully repay the full balance before the deferment period ends.
However, if there’s a remaining balance after the deferment period ends, interest charges that accrued throughout the deferment period are added to the principal balance that’s due. Additionally, the new higher balance continues to accrue interest charges at the dental credit card’s APR, or annual percentage rate.
Because of this, use medical credit cards for dental work cautiously, as it’s a high-interest financing option that can lead to higher medical debt if you’re unable to repay your dental expenses quickly.
Recommended: What Is a Charge Card
Choosing a Dental Credit Card
When applying for a credit card specifically for dental care expenses, make sure you ask about the card’s features, terms, annual percentage rate (APR), and how it calculates interest during and after any deferment period.
If you’re approved, ensure that your dental office provides you with a copy of your dental credit card’s disclosure agreement. Also pay attention to the agreed-upon amount for any dental services you receive so you can verify that the card was charged for the correct amount.
You’ll want to note the deferment dates for your card, if any, and the interest rate you’re offered. That way, you can make enough monthly payments to repay your balance in full before interest kicks in.
Paying for Dental Care If You Have Bad Credit
Getting approved for a dental care credit card might be challenging if you have bad credit. If you’re in a difficult position and need help paying for expensive dental work now, here are some options to explore:
• Inquire about a low-fee payment plan. Even if your dental provider doesn’t typically offer payment plans, it’s worth asking. They might accommodate you.
• Shop around with other dental providers. Prices vary across dental offices, so compare costs across a handful of affordable sources. You might consider a non-profit dental clinic or a dentistry school.
• Seek help from a family member. Ask a relative if they’re willing to offer a low-interest loan for your dental care.
• Explore local government programs. Some state and local governments offer low-cost dental care programs to residents.
Alternatives to Dental Credit Cards
If a dental credit card isn’t an option for you, there are a handful of other financing options to cover dental work, such as the cost of a root canal.
Credit Cards With 0% Interest Rates
Other types of credit cards, like a 0% APR card, are a good alternative to dental care credit cards. They offer a promotional period — sometimes from six months to 18 months — during which you don’t incur interest charges.
This kind of card may differ from deferred interest programs. With some promotional APR cards, interest only starts accruing on your outstanding balance after the promotional period ends. Still, the credit card rule applies to try to pay off your balance in full before the promotional period ends to avoid paying interest.
Payment Plans Through Your Provider
Some medical providers offer a payment plan at no additional cost or at a small installment fee. In this situation, you’re arranging low installment payments directly through your dental office until you’ve repaid your balance in full.
Not all dental offices offer this type of payment plan. But if yours does, it can work with you to create a custom monthly payment amount and due date that’s manageable for your finances.
Personal Loans
Compared to a dental credit card, personal loans might offer lower interest rates for qualified borrowers. A low-interest personal loan achieves the same result as a credit card for dental work in that you can chip away at your outstanding balance in small increments, plus interest.
Among the main differences: You’ll receive a lump-sum loan disbursement from your lender that can be used to pay your dental office upfront. Also, you may find that a personal loan has a lower interest rate than what a credit card would charge you.
Recommended: How to Avoid Interest On a Credit Card
Help From Relatives
Seeking financial assistance from a close relative can help you avoid dental care debt. When asking for help, clarify whether any available funds are a gift or need to be repaid.
If it’s the latter, discuss the repayment window and additional interest (if any). Also talk about expectations if you’re suddenly unable to make payments due to, say, an injury or job loss.
The Takeaway
Getting a credit card designed to pay for dental work can be useful if you’re faced with an urgent oral treatment or procedure and need fast financing. However, the high interest rates of credit cards for dental work compared to other financing options can make it a financially risky option.
Whether you’re looking to build credit, apply for a new credit card, or save money with the cards you have, it’s important to understand the options that are best for you. Learn more about credit cards by exploring this credit card guide.
FAQ
What credit score do I need to get a dental credit card?
Credit score requirements vary by credit card issuer, but generally, you’ll need at least fair credit. However, a higher score can help you qualify for more competitive interest rates.
Is a dental care credit card hard to get?
Dental care credit cards are commonly offered online or at your provider’s dental office, so applying for a card is typically straightforward. However, being approved for a dental credit card involves many factors, like your credit history, income, debt-to-income ratio, and other factors.
Should I pay for dental care with a credit card?
If you don’t have the cash flow to pay for your dental costs upfront, using a dental credit card helps you cover costs in small, monthly payments. That being said, doing so might cause you to incur high interest charges, so evaluate your financial situation and your options.
Can I get a dental loan with bad credit?
Dental loans for patients with bad credit are available, though they might come with high interest rates, low limits, or other restrictive factors.
Photo credit: iStock/zadveri
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.
Considering a move to Maryland? From the serene beaches of the Eastern Shore to the charming cities like Baltimore and Annapolis, living in Maryland will surround you with beautiful landscapes and urban life. Whether you’re exploring homes for sale in Baltimore, contemplating renting in Annapolis, or searching for houses for rent in Rockville, here’s what you need to know before moving to Maryland.
Maryland at a glance
Maryland’s landscapes range from the scenic shores of the Chesapeake Bay to the rolling hills of the Piedmont Plateau, providing residents with diverse terrain and abundant outdoor activities. The state’s largest cities, Baltimore and Annapolis, are known for their historic charm and numerous entertainment options. Major sectors driving Maryland’s economy include biotechnology, cybersecurity, and healthcare, with significant institutions like Johns Hopkins University and the National Security Agency (NSA) headquartered here.
Culturally, Maryland is rich with world-class museums such as the Walters Art Museum in Baltimore and the United States Naval Academy Museum in Annapolis. Notable events include the Maryland Renaissance Festival, Preakness Stakes, and the Annapolis Boat Shows. The state’s culinary scene is equally diverse, featuring regional specialties like Maryland blue crabs, crab cakes, and Smith Island cake. For those seeking affordable places to live, cities like Bel Air South and Waldorf offer lower living costs while maintaining a high quality of life. These cities provide a life full of cultural richness, economic opportunities, and access to outdoor activities, making Maryland a good place to live.
1. Famous for its Chesapeake Bay
The Chesapeake Bay is the heart of Maryland’s maritime identity, stretching over 200 miles and providing various activities from boating and fishing to crabbing. The bay is crucial for the state’s economy and culture, known for its delicious blue crabs, oysters, and other seafood. Cities like Annapolis, the state capital, are renowned for their waterfront charm and sailing heritage. Visitors can explore the Bay through scenic cruises or visit the Chesapeake Bay Maritime Museum in St. Michaels to learn about its history and ecology.
2. The geography is very diverse here
Maryland’s geography encompasses a range of landscapes, from the Atlantic coastline to the rugged Appalachian Mountains. The state features the flat, sandy shores of the Eastern Shore, the rolling hills of the Piedmont region, and the mountainous terrain of Western Maryland. Highlights include the scenic drives through the Catoctin Mountains, the beaches of Ocean City, and the picturesque Harpers Ferry, where the Potomac and Shenandoah rivers meet. This diverse terrain allows for a variety of outdoor activities, from hiking and skiing to beachcombing and bird-watching.
If you’re planning to move to Maryland, you’ll want to consider the pros and cons of living in the Old Line state to give you some insight on what to expect,
3. Maryland has a strong crab culture
Crab culture is a defining feature of Maryland’s culinary scene, with blue crabs being the star of the show. The state’s crab feasts, where crabs are steamed with Old Bay seasoning, are a beloved tradition. Events like the Maryland Seafood Festival and the annual crab picking competitions celebrate this local staple.
Insider scoop: try the crab cakes at the Phillips Seafood Restaurant in Baltimore, a local favorite that perfectly showcases the bay’s renowned blue crabs.
4. Maryland has great access to major cities
Maryland’s location provides convenient access to several major cities, including Washington, D.C., Philadelphia, and New York City, with average commute times of around 30 minutes to an hour to Washington, D.C., and about 1.5 to 2 hours to Philadelphia. This proximity allows residents to easily commute or enjoy day trips to these urban centers, benefiting from cultural attractions, employment opportunities, and diverse dining options. Baltimore, with its rich history and vibrant Inner Harbor, is also a significant city within the state, offering its own unique amenities and experiences. The state’s well-connected highways and public transportation options, like the MARC train, make commuting relatively straightforward, though traffic congestion can be a challenge during peak hours. More on that below.
5. Traffic and commuting around Baltimore is time consuming
Traffic congestion is a notable issue when living in Maryland, especially in the Baltimore metropolitan area, where rush hour can significantly impact travel times. The city’s roadways, including major routes like I-95 and I-695, are often congested, making commuting a time-consuming process. For those working in Baltimore, it’s common to encounter delays during peak hours, so planning for extra travel time is essential.
Travel tip: Utilizing public transportation options like the Light RailLink or MARC train can help mitigate some of the stress associated with driving.
6. Marylanders are passionate about their sport teams
Sports play a central role in Maryland’s culture, with local residents exhibiting strong loyalty to their teams. The Baltimore Ravens (NFL) and Baltimore Orioles (MLB) are major sources of community pride, with fans packing the stadiums for games. College sports are also significant, with the University of Maryland Terrapins enjoying a dedicated following, particularly for basketball. Events like the Preakness Stakes, part of the Triple Crown horse racing series, further highlight the state’s sports enthusiasm.
7. The maritime heritage runs deep
Maryland’s maritime heritage is integral to its identity, with a long history of shipbuilding, sailing, and naval activities. The state’s coastline and rivers have played a crucial role in its development, reflected in historical sites like the U.S. Naval Academy in Annapolis and the many preserved lighthouses along the shore. Festivals such as the Annapolis Sailboat Show celebrate the state’s seafaring traditions, while the Chesapeake Bay Maritime Museum offers insights into the region’s nautical history and culture.
8. The wine and craft beer scene is growing
Maryland’s wine and craft beer industries are expanding rapidly. Wineries like Linganore Winecellars and Boordy Vineyards produce a variety of wines, from robust reds to crisp whites, and often host events such as wine tastings and festivals. The craft beer scene is equally exciting, with breweries like Union Craft Brewing offering innovative brews and taproom experiences. The growing popularity of these local beverages reflects a broader trend towards locally-sourced products, making Maryland a good place to live.
Methodology
Population data sourced from the United States Census Bureau, while median home sale prices, average monthly rent, and data on affordable and largest cities are sourced from Redfin.
Ana is a Marketing Specialist who loves to write about home improvement and local insights. Living in the Greater Seattle area, she enjoys traveling and spending time outdoors.
Achieving financial independence (FI) might seem like a distant dream, but it’s closer than you think. By following some tried-and-true strategies, you can take control of your finances and work towards a future where money is no longer a worry. In this post, you’ll discover 10 secrets that can help you reach FI, from smart investing to mindful spending. Get ready to learn practical tips that can pave the way to a financially free life.
How does this sound?
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Reaching financial independence is about having choices and freedom. It means you can decide how to spend your time without money worries.
What is FI? Or Financial Independence?
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Financial Independence (FI) means having enough money to cover your living expenses without working. It’s about having freedom and control over your time.
To learn more: What is Financial Freedom? 12 Steps to Achieve It
Why does FI matter?
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FI matters because it gives you the ability to choose how you live your life. You can retire on your terms and spend time doing what you love.
To learn more: Discover Time Freedom & Design a Happy Life You Enjoy
1. Save Money Today
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Saving money today helps you build wealth for the future. It’s the first step towards financial independence and having more choices later on.
To learn more: Top 20 Epic Money Saving Challenges Unveiled to Save Money
2. Spend Less Than You Make
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Spending less than you make is key to growing your wealth. By managing your expenses, you can save more and reach financial independence faster.
To learn more: 12 Straightforward Ideas to Cut Spending and Budget Better
3. Learn How to Invest
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Learning how to invest is essential for growing your wealth. Investing wisely helps your money work for you, leading to financial independence.
To learn more: How To Invest In Stocks For Beginners: Investing Made Easy
4. Set Financial Goals
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Setting financial goals keeps you focused on your path to financial independence. Clear goals help you track progress and stay motivated.
To learn more: 10 Smart Financial Goals That You Need
5. Prefer a Debt Free Lifestyle
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Living a debt-free lifestyle means more financial freedom. Without debt, you can save more and invest in your future.
To learn more: 7 Simplistic Habits Needed for Debt Free Living
6. Choose to Live Frugally or Not
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Choosing to live frugally can speed up your journey to financial independence. It’s about making smart spending choices that align with your goals.
To learn more: The Ultimate Guide to a Frugal Lifestyle
7. Make Your Finances a Priority
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Making your finances a priority helps you stay on track to reach financial independence. It’s about regularly reviewing and managing your money.
8. Be a Constant Learner
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Being a constant learner helps you make better financial decisions. The more you know, the better you can grow your wealth and achieve financial independence.
To learn more: 35 Life-Changing Books That Will Change The Way You Think And Feel
9. Know your FI Number
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Knowing your FI number gives you a clear target for financial independence. It helps you understand how much you need to save and invest to retire on your terms.
To learn more: How to FI and Know Your FI Number Calculator
10. Become a Millionaire from No Money
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Becoming a millionaire from no money is possible with the right strategies. By saving, investing, and staying focused, you can grow wealth and reach financial independence.
To learn more: 15 Genius Strategies to Become a Millionaire with No Money
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More importantly, did I answer the questions you have about this topic? Let me know in the comments if I can help in some other way!
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Almost half of all Americans carry a balance on their credit card, month after month. If you’re among their ranks, you know that the combination of high prices and high credit card interest rates can make it challenging to pay that debt off in full.
Many cardholders have seen their interest rates creep up in recent years, in line with the Federal Reserve’s recent rate increases. That means interest payments are gobbling up a bigger share of credit card balances. And those credit card balances can be major. This kind of debt hit a staggering $1.12 trillion for the first quarter of 2024, according to data from the Federal Reserve Bank of New York.
But the situation isn’t hopeless, however. If you’re one of the cardholders who can’t pay credit card debt in full, here are five steps you can take to address it.
Step 1: Check your Credit Card Interest Rate
If you haven’t carried a credit card balance before, you may not be aware of what interest rate your credit card is charging. But it’s important to know exactly how much you’re getting charged so if you need to, you can budget for interest expense as well as your purchases.
The average credit card interest rate for all new card offers was 24.84% in mid-2024. (Depending on what type of credit card you have, your credit score, and your credit history, you may have a higher or lower interest rate than the average.)
With interest rates this high, it can be a real financial setback to carry a balance for an extended length of time, making only the minimum credit card payment. You may find that you are only paying interest and making little headway in paying off what you actually spent.
Recommended: What Is a Charge Card
Step 2: Understand How Your Grace Period Works
If you pay your credit card statement balance in full by the due date, a credit card grace period will usually take effect for the next billing cycle. That means you won’t owe interest on new purchases until the due date for the next billing cycle. If you pay that statement balance in full by the next due date, the grace period will continue into the next cycle, and on and on.
But, if you make only the minimum payment or a partial payment on the full statement balance by the credit card due date, you’ll get charged interest on the remaining balance and lose your grace period for the next billing cycle. This means you’ll owe interest on any purchase immediately. Even if you go back to paying the full balance, your grace period may not renew for several more cycles, depending on the specific terms of your credit card.
If you’re in a position where you can’t pay credit card bills and must move to partial payments, make sure you’re aware of the additional interest expense you’ll incur on the remaining credit card balance. Try your best to stop making new purchases with that card since interest will be charged on those purchases immediately.
Step 3: Look at Changing Your Due Date
If you’re feeling overwhelmed because many of your bills are due at the same time, talk to your credit card company about changing your due date. You might be able to move your credit card due date to a day of the month that works better for your budget, so the payments you owe are a bit more staggered.
While this switch might not help immediately to pay down credit card debt, it could offer some relief in the long run.
Recommended: How to Avoid Interest On a Credit Card
Step 4: Explore Ways to Pay Off Your Balance Faster
You may find that with higher interest rates and inflationary spending, you need a more efficient way to pay off your credit card debt, such as by refinancing credit card debt. Luckily, there are some options for how to pay off credit card debt, though keep in mind the best way to pay off credit card debt will depend on your financial specifics.
Balance transfer credit cards that offer a limited time low or sometimes even 0% interest rate can help — especially if you think you can pay the balance in full during the promotional low-rate period.
Another option you might consider is applying for a low-interest personal loan to pay off credit card debt in full. This could help you secure a lower interest rate, and by consolidating your credit card debt, you’d have fewer due dates to keep track of. Keep in mind, however, that there are pros and cons of personal loans to pay off credit card debt.
Recommended: Tips for Using a Credit Card Responsibly
Step 5: Consider Using a Budgeting Tool
If you’re finding it hard to make your credit card payments, that can be a signal it’s time to take a close look at your spending, perhaps with the help of one of the many online budgeting tools available.
Personal finance tools can help you understand just how much your cost of living has risen in recent months and make it easier to flag places you can cut back. Some can help to pinpoint fees you may be paying unwittingly or the automatic payments you’re making on your credit card that could get trimmed. Cutting these costs can then make it easier to pay off credit card debt.
The Takeaway
If you’re struggling with a credit card balance you can’t pay off, taking steps to pay off credit card debt faster and budget smarter can help. These can involve understanding your rate, changing your payment due date, and other moves.
Whether you’re looking to build credit, apply for a new credit card, or save money with the cards you have, it’s important to understand the options that are best for you. Learn more about credit cards by exploring this credit card guide.
FAQ
What is a fast way to pay off credit card debt?
You might be able to use a balance-transfer credit card and pay down your debt during the 0% APR promotional period. Or you might consider securing a personal loan to pay off the debt. You would then pay off the personal loan, which could have a lower interest rate.
Can you change your credit card payment due date?
You may be able to change your payment due date. See if your card’s website or app allows this kind of shift, or contact customer service.
Do most Americans carry credit card debt?
According to recent data, approximately 49% of Americans carry credit card debt.
Photo credit: iStock/Sneksy
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
From the lively streets of Nashville, to the historical significance of Memphis, where the legacy of Elvis Presley lives on, Tennessee’s unique attractions draw millions each year. But what else is Tennessee known for? Whether you’re considering renting a home in Knoxville, looking to settle into a charming apartment in Chattanooga, or just planning a visit, you’ll soon find that Tennessee has much more to offer than meets the eye. In this article, we’ll explore what makes Tennessee special and why so many are proud to call it home. Let’s jump in.
1. Nashville’s country music scene
Nashville is famously known as the “Music City.” The city stands as the epicenter of country music, home to the Grand Ole Opry, the longest-running radio broadcast in U.S. history. While here, be sure to visit Broadway to experience live music in legendary honky-tonk bars. Additionally, visit the Country Music Hall of Fame and Museum to see memorabilia from iconic artists like Johnny Cash and Dolly Parton. Nashville’s lively music scene continues to shape the genre, attracting aspiring musicians from around the world.
2. Great Smoky Mountains National Park
Great Smoky Mountains National Park is the most visited national park in the United States. The park offers breathtaking views, diverse wildlife, and over 800 miles of hiking trails. Visitors enjoy exploring scenic spots like Clingmans Dome and Cades Cove, a beautiful valley with historic homesteads. Also, the park contains a remarkable diversity of plant and animal life, including over 1,500 species of flowering plants and more than 200 species of birds. One of the best times to visit is in spring where wildflowers blanket the park, creating vibrant displays of color along the trails.
3. Hot chicken
Nashville hot chicken is a culinary delight that has gained national fame. This spicy fried chicken, served with pickles and white bread, remains a staple at local establishments like Prince’s Hot Chicken Shack and Hattie B’s. The dish is known for its fiery heat, which comes from a blend of spices added to the crispy coating. Furthermore, Nashville hot chicken festivals celebrate this iconic food, where people challenge their taste buds and enjoy Tennessee’s bold culinary scene.
4. Jack Daniel’s Distillery
The Jack Daniel’s Distillery in Lynchburg produces Jack Daniel’s whiskey, the top-selling American whiskey worldwide. Patrons can take guided tours of the distillery to learn about the whiskey-making process and the history of this iconic brand. The tour includes visiting the original cave spring, the source of the water used in the whiskey, and ends with a tasting session. As a result, the distillery attracts whiskey enthusiasts from around the world, making it a must-see destination in Tennessee.
5. Bristol Motor Speedway
Bristol Motor Speedway located in Bristol is a legendary venue in the world of NASCAR racing. Known as “The Last Great Colosseum,” this half-mile track is famous for its steep banking and fast-paced action. Because of this, the speedway hosts major races like the Food City 500 and the Bristol Night Race. The speedway can accommodate over 160,000 fans, creating an electrifying atmosphere. Events at Bristol are unforgettable for racing enthusiasts, offering thrilling experiences both on and off the track.
6. The birthplace of the blues
Memphis is celebrated as the birthplace of the blues, a genre that has deeply influenced American music. If you love the blues, be sure to check out Beale Street in downtown Memphis. This historic district is lined with blues clubs where live music fills the air every night. The city’s rich blues heritage is also commemorated at the Blues Hall of Fame, featuring memorabilia from legendary artists.
Fun facts Tennessee is famous for
Graceland: Memphis is home to Graceland, the famous mansion where Elvis Presley lived. It’s now a museum dedicated to the King of Rock ‘n’ Roll.
The world’s largest underground lake: Tennessee holds The Lost Sea, the largest underground lake in the United States.
Birthplace of Mountain Dew: This state is the birthplace of Mountain Dew. The popular soft drink was originally created in the 1940s in Knoxville by Barney and Ally Hartman, who were looking for a mixer for whiskey.
7. MoonPies
Tennessee proudly stands as the birthplace of the MoonPie. This beloved snack is made of marshmallow sandwiched between two graham crackers and coated in chocolate. Created in Chattanooga in 1917, MoonPies have become a staple of Southern cuisine. The Chattanooga Bakery still produces these treats, which are especially popular during Mardi Gras celebrations in Mobile, Alabama. Furthermore, the annual MoonPie Festival in Bell Buckle celebrates this iconic snack with games, music, and, of course, plenty of MoonPies.
8. The Tennessee River
The Tennessee River winds through the state and is a vital waterway that offers locals a plethora of recreational activities. Chattanooga, in particular, capitalizes on the river’s beauty with attractions like the Tennessee Aquarium, riverboat cruises, and the scenic Riverwalk. The river is a hotspot for fishing, boating, and kayaking, drawing outdoor enthusiasts year-round. Events like the annual Riverbend Festival celebrate the river’s significance, featuring music, food, and fireworks along its banks.
9. Dollywood
Named after country music star Dolly Parton, Dollywood is an iconic a theme park in Pigeon Forge. The park offers a blend of thrilling rides and live entertainment, set against the backdrop of the Smoky Mountains. Visitors can enjoy roller coasters, water slides, and musical shows that celebrate the culture of the region. Furthermore, Dollywood features seasonal festivals like the Smoky Mountain Christmas, making it a year-round destination for fans of Dolly Parton.
10. The Ryman Auditorium
The Ryman Auditorium, known as the “Mother Church of Country Music,” is a historic venue that has hosted countless legendary performances. Originally built as a tabernacle in 1892, the Ryman gained fame as the home of the Grand Ole Opry from 1943 to 1974. Today, it continues to host concerts by top artists across various genres, offering unparalleled acoustics for concert-goers.
11. Oak Ridge National Laboratory
Oak Ridge National Laboratory is one of the world’s premier research facilities. Established during World War II as part of the Manhattan Project, it has since become a leader in scientific innovation. The lab conducts cutting-edge research in areas such as nuclear energy, advanced materials, and environmental science. While visiting, you can learn about its history and contributions to science at the American Museum of Science and Energy in Oak Ridge.
Jenna is a Midwest native who enjoys writing about home improvement projects and local insights. When she’s not working, you can find her cooking, crocheting, or backpacking with her fiancé.
Oklahoma is a state that beautifully blends Native American heritage, cowboy culture, and modern urban attractions. From the bustling streets of Oklahoma City to the tranquil beauty of the Wichita Mountains, Oklahoma offers a unique mix of experiences. But what else is Oklahoma known for? Whether you’re considering renting a home in Tulsa, looking to settle into an apartment in Norman, or just planning a visit, you’ll soon find that Oklahoma has much more to offer than meets the eye. In this article, we’ll explore what makes Oklahoma special and why so many are proud to call it home. Let’s dive in.
1. The Oklahoma State Fair
The Oklahoma State Fair, held annually in Oklahoma City every September, is a cherished event in the state. The fair spans over eleven days and attracts thousands of visitors with its array of attractions and activities. The fairgrounds provide attendees with thrilling amusement rides, from classic Ferris wheels to high-adrenaline roller coasters. Additionally, food is a major highlight, from corn dogs and funnel cakes to unique creations such as deep-fried Oreos and bacon-wrapped turkey legs. Beyond that, the fair has an impressive lineup of live entertainment including live concerts, stunt performances, and magic acts.
2. National Cowboy & Western Heritage Museum
The National Cowboy & Western Heritage Museum in Oklahoma City is a must-visit for anyone interested in the American West. The museum boasts an extensive collection of Western art, artifacts, and exhibits that celebrate cowboy culture. Visitors can see impressive sculptures, paintings, and even life-sized dioramas depicting scenes from the Old West. This museum offers a fun and educational experience, making it a top attraction in the state.
3. Chicken fried steak
Oklahoma’s culinary scene is highlighted by the beloved dish, chicken fried steak. This comfort food classic consists of a breaded and fried beef steak, typically served with creamy gravy and mashed potatoes. It’s a staple at many local diners and restaurants, such as Kendall’s Restaurant in Noble. Praised for its hearty portions and delicious flavor, chicken fried steak represents Oklahoma’s tradition of Southern cooking.
4. Lake Texoma
Lake Texoma is one of the largest reservoirs in the United States. Straddling the Oklahoma-Texas border, this lake offers a wide range of activities such as boating, fishing, and camping. Additionally, Lake Texoma is known for its excellent striper fishing, making it a prime spot for anglers looking to catch trophy-sized fish. The scenic beauty and recreational opportunities make it a favorite spot for locals and adventure seekers alike.
5. Philbrook Museum of Art
The Philbrook Museum of Art in Tulsa showcases an impressive collection of art from around the world. Housed in a stunning Italian Renaissance-style villa, the museum features works by renowned artists such as Pablo Picasso and Georgia O’Keeffe. Also, the beautiful gardens surrounding the museum provide a serene setting for visitors to enjoy.
6. Woody Guthrie Center
If you enjoy folk music, you should visit the Woody Guthrie Center in Tulsa. The museum is dedicated to the life and legacy of folk music legend Woody Guthrie. The center features interactive exhibits, rare recordings, and personal artifacts that tell the story of Guthrie’s impact on American music and culture. Patrons can learn about his famous songs, such as “This Land is Your Land,” and explore his contributions to the folk music movement. The center also hosts live performances and educational events, keeping Guthrie’s spirit alive.
7. Route 66
Often referred to as the “Main Street of America,” Route 66 runs through Oklahoma, making it a key landmark in the state. Travelers can explore charming small towns, quirky roadside attractions, and historic sites along this iconic highway. If you plan on driving Route 66, be sure to check out notable stops including the Round Barn in Arcadia and the Blue Whale in Catoosa. This historic route attracts road trip enthusiasts from around the world, eager to experience a piece of Americana.
Fun facts Oklahoma is famous for
Birthplace of the shopping cart: The states holds the achievement of being the birthplace of the shopping cart. Sylvan Goldman introduced it in 1937 at his Humpty Dumpty supermarket chain in Oklahoma City.
The Sooner State: Oklahoma is known as “The Sooner State” because of the early settlers who entered the territory before the official start of the Land Rush of 1889.
Man-made lakes: With over 200 man-made lakes, this state has more of these lakes than other state in the U.S.
8. Tahlequah and Cherokee Heritage
Tahlequah, the capital of the Cherokee Nation, is rich with Native American history and culture. Visitors can explore the Cherokee Heritage Center, which offers exhibits on the Trail of Tears and traditional Cherokee life. The center also hosts events and demonstrations of traditional crafts, such as pottery and basket weaving. Tahlequah provides a unique opportunity to learn about the Cherokee people’s past and present, making it a culturally significant destination in Oklahoma.
College football is a major part of Oklahoma’s identity, with the University of Oklahoma Sooners and Oklahoma State University Cowboys boasting passionate fan bases. The Bedlam Series, the annual rivalry game between these two teams, is a highly anticipated event that highlights the state’s deep-rooted love for the sport. Both programs have produced numerous NFL stars and Heisman Trophy winners, cementing Oklahoma’s reputation as a powerhouse in college football.
10. Pioneer Woman Mercantile
Owned by celebrity chef Ree Drummond, the Pioneer Woman Mercantile in Pawhuska has become a culinary and shopping hotspot. The mercantile features a bakery, deli, and retail store offering Drummond’s signature recipes and products. Visitors can savor hearty meals, delicious pastries, and browse through a variety of kitchenware and home goods. Because of the charming ambiance and friendly service, the mercantile is a popular destination for fans of Drummond’s cooking show and blog.
11. Beavers Bend State Park
Beavers Bend State Park, located in the southeastern part of the state, is a top destination for nature lovers. This scenic park offers hiking trails, fishing spots, and opportunities for kayaking on the Mountain Fork River. The park is also home to cozy cabins and campsites, providing a perfect getaway for social gatherings and outdoor enthusiasts. With its stunning landscapes and variety of recreational activities, Beavers Bend State Park is a great way to experience the natural beauty of Oklahoma.
12. Oil and energy industry
Oklahoma is widely recognized for its significant contributions to the oil and energy industry. The state is home to major energy companies like Devon Energy and Chesapeake Energy, which play a crucial role in the national economy. Oklahoma’s landscape is dotted with oil rigs and natural gas wells, reflecting its deep history in fossil fuel production. The annual Oklahoma Oil & Gas Expo in Oklahoma City highlights the latest advancements and innovations in the field, attracting professionals and industry leaders from across the country.
Jenna is a Midwest native who enjoys writing about home improvement projects and local insights. When she’s not working, you can find her cooking, crocheting, or backpacking with her fiancé.
Do you want to learn how to start a print-on-demand business? Print-on-demand businesses allow you to create and sell custom products like t-shirts, mugs, and phone cases without needing to store any inventory. Today, I have a great interview to share with you all about this business idea. It’s with Jessica Roop, who has had…
Do you want to learn how to start a print-on-demand business?
Print-on-demand businesses allow you to create and sell custom products like t-shirts, mugs, and phone cases without needing to store any inventory.
Today, I have a great interview to share with you all about this business idea.
It’s with Jessica Roop, who has had a print-on-demand side hustle for a couple of years. She’s been designing and selling her own products, and she recently launched a course on the subject I Love Print on Demand.
She profits around $500 and $1,500 per month with her print-on-demand side hustle. She has made over 6,000 print-on-demand product sales too!
In this interview, I ask Jessica questions about how to start a print-on-demand business from home.
So, if you are interested in starting a flexible and in-demand side hustle, I ask her questions you may be wondering about, like:
What is print-on-demand? How does print-on-demand work?
What are print-on-demand items a person can sell?
How much can a new person make selling print-on-demand?
How much does it cost to start and run a print-on-demand business?
Can someone with no tech skills start a print-on-demand business?
Today’s interview will help you get started on your path to becoming a successful print-on-demand entrepreneur.
I recommend signing up for the freebie 17 Hot-Selling Print-on-Demand Products That Can Pay for Your Next Vacation and More! to learn more.
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This freebie will teach you about print-on-demand as well as give you a list of 17 hot-selling products you can sell via print on demand.
How To Start a Print-On-Demand Business
Below is the interview all about how to start a print-on-demand business.
1. Please give us a little background on yourself and how you got started with a print-on-demand business. How much do you earn monthly from print-on-demand?
Hi! I’m Jessica. I’ve worked full-time online since 2017, doing everything from food blogging to offering virtual assistant services.
In 2020, like many of us, I found myself with some extra time on my hands because of COVID. In my free time, I became a little obsessed with how well e-commerce was doing, so I decided it would be a good side hustle to pursue. In 2021, I started planning my e-commerce business with an early 2022 launch. I was so excited!
I wish I could say that this was the beginning of my print-on-demand journey, but unfortunately, I dove into e-commerce the hard way: I started an online gift company that carried physical inventory.
Seeing as I live in a 692-square-foot apartment, this did not turn out to be a great idea. Plus, I completely underestimated how long it would take to pull products, package them, print shipping labels, and take boxes to the post office. It was exhausting, and my fun little e-commerce “side hustle” became a nightmare.
One day, print-on-demand randomly popped into my head, probably out of complete desperation!
A few years prior, I had created a few print-on-demand products after hearing about the idea somewhere. I never took selling the products I designed seriously, but the idea suddenly sounded intriguing. It would solve all of my problems because I wouldn’t have to carry any inventory and wouldn’t have to pack, package, or ship anything.
I launched my first print-on-demand product on Etsy in May 2022 and quickly had a best-selling product on my hands. I was hooked and haven’t looked back since!
My profit averages between $500 and $1,500 per month. I’m pretty busy with my “day job” income streams, so print-on-demand has always been a side hustle for me. It’s a super fun creative outlet and a great way to generate extra cash every month.
2. What is print-on-demand? How does print-on-demand work?
At its core, print-on-demand means that products are produced “on demand,” meaning they aren’t produced until an order comes through. For example, a design isn’t printed on a blank mug until a customer orders it.
Print-on-demand has evolved into a term for a business model where regular people can team up with a print-on-demand production partner and sell a wide variety of products without ever holding physical inventory or doing any of the fulfillment.
Let’s say you sell on Etsy like I do. Here’s how the process would look for you:
You create a digital design file (much easier than it sounds; some of my best sellers are text-only designs!) and upload it to your production partner’s site; in this example, let’s say you’ve designed a t-shirt
You list your t-shirt for sale on Etsy
A buyer finds your t-shirt, loves it, and purchases it
The order is sent to your production partner, and you click a button to confirm the order
Your production partner prints your digital design file on a t-shirt in the customer’s preferred size, packages it, prints a shipping label, and sends it off to your customer
Your production partner uploads the tracking information to Etsy and marks the order as complete
That’s it! Etsy pays you (minus transaction fees), and you pay your production partner. You pocket the difference, typically about 30% of the price you listed it for on Etsy. Your customer pays 100% of the shipping costs.
As you can see, at no point during this process do you hold a physical item in your hands. Your production partner takes care of all of it for you.
Here’s a print-on-demand product example.
3. What are print-on-demand items a person can sell?
Pretty much anything! Although I don’t have any exact figures, I’d say there are thousands of different products available for print-on-demand.
Every production partner offers something different, and the vast majority of production partners are adding new products all the time. And within each product category, there are often many different variations. For example, there isn’t just one type of mug out there – there are different sizes, different shapes, different colors, different materials.
Here are just a few of the products available for print-on-demand:
Mugs
Tumblers
T-shirts
Sweatshirts
Tote bags
Makeup bags
Wall art
Blankets
Desk mats
Cell phone cases
Ornaments
Bumper stickers
Jigsaw puzzles
Pet bowls
Can coolers
If you can dream it, it’s probably available!
4. How much can a new person make selling print-on-demand?
As long as you dedicate yourself to the process, making ~$500/month in profit on Etsy within the first 3-6 months is possible.
I started making that amount only about a month in, but I was lucky to have a best-selling product very quickly. That wasn’t my intention (I was just excited to get a single sale!), but I just happened to release a product that really spoke to people.
After that initial start-up period, for a part-time effort on Etsy, $500 to $1,500 a month in profit is totally doable. For a full-time effort on Etsy, $40,000 to $70,000 a year in profit is achievable.
You probably noticed that I’m saying on Etsy. If you create your own store (Shopify is a popular platform for self-hosting) and start doing a lot of paid ads and/or social media, you can scale a lot higher. There are people making multi-six figures a year in profit!
5. How much does it cost to start and run a print-on-demand business?
If you’re starting your shop on Etsy like I did, here is a general overview of costs:
Etsy (sales platform): $0.20 per new item listing, plus transaction fees of 6.5% after you make a sale
Creative Fabrica (to source fonts and images to use on designs): $3.99/month
Printify (production partner): No subscription fee, although they do offer a Premium plan for $24.99/month that allows you to purchase the products cheaper (highly recommended if you start making more than ten sales a month)
*Some people use Canva, but I’ve found that Adobe Illustrator makes it easier to produce quality designs. That said, Canva is making improvements all the time, so switching over will hopefully be possible eventually!
6. What do you like about print-on-demand? Is it worth it?
I like to joke that I’m a mix of highly motivated and highly lazy, and I’ve found that print-on-demand, especially on Etsy, is perfect for someone like me!
I love that I can publish as many product designs as I want with minimal effort and minimal risk. If something doesn’t work out, it’s no big deal… I can just move on to the next product. After seeing the other side of things with an inventory-based business, print-on-demand is so easy and super low-stress.
I’ve also come to really love the creative process of designing new products. I’ve spent my whole life feeling like I’m not creative, but print-on-demand has ignited a creative flame in me that I didn’t know existed. My designs are pretty basic, but sometimes I’ll spend hours designing products without even realizing time is passing.
It’s 110% worth it. It’s such a fun hobby – one that makes me money! Print-on-demand is a great way to fund vacations, home improvements, “me time” things (like time at the spa), and to pay off bills. Plus, if taking it full-time is your goal, that’s doable as well.
7. How does a person get customers for print-on-demand?
I highly recommend starting with Etsy because they have a built-in customer base. Etsy has about 92 million active buyers globally, so the potential is enormous! People don’t go to Etsy for any other reason than to purchase something, so you can be laser-focused on acquiring customers.
Like many online platforms, Etsy heavily relies on SEO for listings, so as long as you optimize your listings for their search engine, they can be found by potential buyers.
Etsy is the “easy button” for print-on-demand customers, but there are other ways to get customers, namely organic social media and paid social media (ads). For these methods, instead of hosting your products on Etsy, you would likely have your own online store through platforms like Shopify, Wix, Woocommerce, etc.
TikTok Shops are also becoming popular ways for print-on-demand sellers to reach customers. With a TikTok Shop, you sell directly on the app, and customers can purchase directly on the app, so you don’t need to have a separate store somewhere.
TikTok has strict rules for selling through its shops, including the maximum number of days that can pass before the product is shipped to the customer. This used to be a barrier to entry for print-on-demand since some products can take a little while to be fulfilled (because they need to be printed before they’re shipped), but now more production partners are making sure their products are shipped within TikTok’s timelines.
8. Can someone with no tech skills do this?
Yes! You don’t have to be super tech-savvy to start; you just have to be open to learning new skills. People of all tech levels can be successful with print-on-demand.
Even when it comes to graphic design, you don’t have to be skilled. As I mentioned before, some of my best-selling designs are text-only! Plus, with an inexpensive subscription to a place like Creative Fabrica, you can source millions of images and fonts to use in your designs.
9. Which is the best print-on-demand platform?
I use Printify and love it.
The two biggest players in print-on-demand are Printify and Printful, and I decided to go with Printify because I preferred their pricing structure and product selection. They have been fantastic and I have zero regrets!
10. Can you list the steps needed to get started selling print-on-demand?
If you choose to go the Etsy route, here’s what you need to do:
Set up a Printify account
Sign up for Creative Fabrica or a similar site to source fonts and images
Choose a product or two to start with on Printify (mugs are always a good choice) and download the design templates
Download Adobe Illustrator, open the design templates, and start designing
Upload your designs to Printify
Open an Etsy account and connect Printify to Etsy
Upload your products to Etsy
Start selling!
This is just a general overview, of course. There are other important pieces of the puzzle like researching niches, choosing from different design styles, and crafting your Etsy listings in the right way so they show up in Etsy results.
11. Can you tell me more about the course you have?
I Love Print on Demand is the course I wish I had when I started my print-on-demand journey.
With it, you will set up your print-on-demand business for success from day one so you can skip the stress and start making money faster!
I honestly had no clue what I was doing when I started, and it’s a total miracle I figured out the eight steps listed above, let alone any of the other moving pieces and parts. It was a slow learning process for me, and I made a lot of mistakes at the beginning, which was a pretty stressful experience.
When I created my course, I thought about all of the questions I had and all of the things that slowed me down and then created a course that addressed all of those aspects.
I also made sure to keep it simple by narrowing the focus to the top three products that sell best for me. Print-on-demand can be a little like the Cheesecake Factory menu—there are so many product options, and you can easily get overwhelmed! It’s okay to branch out to other products later, but I keep you laser-focused so you focus on what works right from the beginning.
If you’re interested, you can check out my I Love Print on Demand course here.
You can also sign up for my free ebook, 17 Hot-Selling Print-on-Demand Products That Can Pay for Your Next Vacation and More!, here.
Do you want to learn how to start a print-on-demand business? What would you sell?
Note from Making Sense of Cents: I hope you enjoyed this helpful article on how to start your own POD business. There are many marketplace and ecommerce platforms (your supplier who does your order fulfillment) that you can get started with, as you learned above. And, there are many unique designs that you can sell to stand apart from the crowd. I have bought many items (a wide range of products such as apparel, accessories, and home decor) from POD businesses over the years, and I expect this to continue for myself and many others for the future. There are many ways to grow a print-on-demand business too (such as Facebook, Instagram, and even YouTube), so that can help you to make more money and maybe even increase your profit margins. I hope you see lots of success!