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10 Cities Near Philadelphia To Live in 2021

The brilliant city of Philadelphia is a wonderful place to work and play. But city living isn’t the life for everyone.

Fortunately, the region – known as the Delaware Valley — has a slew of options for incredible boroughs, towns and cities near Philadelphia in which to live. These spots offer a wide range of entertainment, dining, nightlife, recreation and comfortable apartments.

Of all the incredible places to live within easy commuting distance of Philadelphia, it’s hard to narrow down to a top 10. But we are sure you’ll find these 10 cities near Philadelphia — all within five to 25 miles of Center City and listed by distance from the city — perfect places to call home.

  • Haddon Township, NJ
  • Ardmore, PA
  • Conshohocken, PA
  • Hatboro, PA
  • King of Prussia, PA
  • Langhorne, PA
  • Phoenixville, PA
  • West Chester, PA
  • Wilmington, DE
  • Doylestown, PA

Haddon Township, NJ facing the City Center in Philadelphia.Haddon Township, NJ facing the City Center in Philadelphia.

  • Distance from downtown: 7.0 miles
  • One-bedroom average rent: $1,530 (down 3.38 percent since last year)
  • Two-bedroom average rent: $1,713 (down 13.88 percent since last year)

In New Jersey, townships are full-fledged municipalities, and Haddon Township is one of the region’s best cities near Philadelphia. Just 10 or so minutes from the Ben Franklin Bridge to Center City Philadelphia, the township offers both the quiet of a suburb and a main street that rivals any in the state for drinking and dining options.

Bustling Haddon Avenue in the downtown Westmont section is a mile-long stretch featuring some bakeries, cheesesteak joints, pasta shops, pizza places, taquerias, bars and taverns. Farther out, chain dining and big box stores line White and Black Horse pikes.

Haddon also offers plenty of green space, from Cooper River Park in the north along the lake to Newton Lake Park and Saddler’s Woods on the south.

Public transportation into Philly is a snap with Westmont Station a direct link via PATCO with park-and-ride facilities.

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Ardmore, PA. Ardmore, PA.

Photo source: Apartment Guide / One Ardmore Place
  • Distance from downtown: 7.7 miles
  • One-bedroom average rent: $1,357 (down 61.90 percent since last year)
  • Two-bedroom average rent: $2,552 (down 35.50 percent since last year)

Among swanky locales like Bryn Mawr, Villanova and Gladwyne, Ardmore is the iconic Philadelphia Main Line’s most accessible city to everyday folk.

Ardmore’s median income comes in at a tenth that of some of the region’s richest communities and is a much cheaper home value. But Ardmore is also less insular. The city is a destination for visitors and day-trippers from across the Delaware Valley.

Ardmore splits down the middle between Montgomery and Delaware Counties and Haverford and Lower Merion Townships. Its backbone is busy Lancaster Avenue that offers retail shopping, trendy restaurants and the 500-capacity Ardmore Music Hall, one of the area’s top concert clubs.

While other Main Line towns shun outsiders, the hum of Lancaster Avenue feels welcoming to all.

And on the north end of town is one of the region’s best spots for retail therapy or even just window shopping. Suburban Square is a six-square-block upscale outdoor shopping plaza. Dating back to the 1920s, the square is one of the nation’s oldest planned shopping centers.

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Conshockocken, PA, one of the cities near philadelphiaConshockocken, PA, one of the cities near philadelphia

Photo source: Conshohocken Borough / Facebook
  • Distance from downtown: 12.6 miles
  • One-bedroom average rent: $1,705 (down 7.82 percent since last year)
  • Two-bedroom average rent: $2,265 (up 7.69 percent since last year)

Throughout its history, Conshohocken has always held an important geographic location. Sitting at one of the largest bends of the Schuylkill River, the land was originally a large milling region along rail and shipping lines.

As interstates went up, the region morphed into a factory industrial center. As manufacturing declined, it was those same highways that turned “Conshy” into one of the most desirable suburban-chic and cosmopolitan residential commuter communities in the city.

Conshohocken lies between the I-476 Blue Route and I-76 Schuylkill Expressway at the “Conshohocken Curve.” As industry left, easy access to the region’s two major highways transformed it into a hub for upper-middle-class commuters into the city, especially as apartment complexes and mid-priced high-rise rental towers rose.

And as the population increased, so did the enclave which features shopping and dining spots and many glittering hotels.

The shoreline also features a section of the running and biking Schuylkill River Trail path.

Nearby, Conshohocken’s Fayette Street main street is popular among its young professional population, with a median age of 32 with 63 percent single. The downtown strip offers a selection of quaint boutiques, eateries and cafes, as well as a variety of notable bars.

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Hatboro, PA.Hatboro, PA.

Photo source: Apartment Guide / Livingstone Apartments
  • Distance from downtown: 15.9 miles
  • One-bedroom average rent: N/A
  • Two-bedroom average rent: $1,695 (up 9.18 percent since last year)

Eastern Montgomery County has just a few towns with true main streets, but one of the best of the bunch is Hatboro. The borough sits along the Bucks County border, a suburban town settled among some residential communities.

Hatboro is known for its plethora of parks and green spaces, including the popular Hatboro Memorial Park and Memorial Pool. But its growing notoriety as a suburban craft beer lovers’ destination is what’s gaining prominence.

In the heart of the Craft Beer Trail of Greater Philadelphia, Hatboro offers Crooked Eye Brewery and Artifact Brewing, both opened within the last several years.

The breweries sit along York Road, Hatboro’s main street. The corridor also offers many bars and gastropubs, vintage clothing stores, hoagie shops and produce grocers, cafés and popular bakeries and Daddypops diner, a favorite of Food Network’s Guy Fieri.

The borough is also convenient for commuters, with Hatboro station along the Warminster Line to Center City just off York Road.

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King of Prussia, PA, one of the cities near philadelphiaKing of Prussia, PA, one of the cities near philadelphia

  • Distance from downtown: 16.9 miles
  • One-bedroom average rent: $2,204 (up 5.44 percent since last year)
  • Two-bedroom average rent: $2,544 (up 0.81 percent since last year)

To speak like a true Philadelphian, pronounce the name of the city of King of Prussia the proper way, “Kingaprusha.”

If you’re familiar with the western Montgomery County city, it’s most likely for one thing: its megamall. The King of Prussia mall is massive, at 2.8 million square feet and 450 stores. It’s the third-largest mall in the nation behind only the Mall of America and the new American Dream in New Jersey.

This central town nestles right along the Schuylkill River — between four major thoroughfares: the Pennsylvania Turnpike, I-76 Schuylkill Expressway, and U.S. Routes 202 and 422. Sitting between renowned Valley Forge Historical Park and county seat Norristown, King of Prussia is both a popular commuter city and an important edge city in its own right.

One key location in KOP is the King of Prussia Town Center. Opened in 2016, the large planned lifestyle development has become a hub of residential activity in town. Acting as the city’s downtown, Town Center offers a bevy of apartments and townhouses at Village at Valley Forge with mixed-use and office space, upscale department stores and a Wegman’s grocery, retail shops and several new restaurants and bars.

Nearby are several office parks, Upper Merion High School and the Valley Forge Casino Resort.

The area is growing so quickly, local transportation authority SEPTA is developing a $2 billion regional rail line to directly connect King of Prussia with University City and Center City Philly.

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Langhorne, PA.Langhorne, PA.

  • Distance from downtown: 22.0 miles
  • One-bedroom average rent: $1,413 (down 1.55 percent since last year)
  • Two-bedroom average rent: $1,691 (up 6.72 percent since last year)

One thing you can have living in the suburbs that you usually don’t in the middle of a city is an amusement park down the street. That’s one of the features of living in the borough of Langhorne and adjoining Middletown Township. Here you’ll find Sesame Place, the Sea World-owned young children’s Sesame Street theme park.

Langhorne borough proper and surrounding Middletown Township are collectively referred to as Langhorne.

The area is an important business and shopping center along Neshaminy Creek in charming Bucks County. Along with numerous national chains and big box stores, a myriad of service centers, retail shops and old-school restaurants line Pine Street and Maple Avenue.

In addition, the borough features a quaint historic district dating back to the 19th century. Sitting just off the I-295 beltway, Langhorne is a popular bedroom community for commuters to Trenton as well as Philadelphia.

The expansive Middletown Country Club splits the borough, with the multistory Oxford Valley Mall out in the Township. And surrounding Lake Luxembourg is the expansive 1,200-acre Core Creek Park. The region offers a variety of housing options, from affordable apartments to large suburban mansions.

Several locations still offer 1950s style tract housing leftover from the expansion of the nearby Levittown planned community.

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Phoenixville, PA, one of the cities near philadelphiaPhoenixville, PA, one of the cities near philadelphia

Photo source: Borough of Phoenixville / Facebook
  • Distance from downtown: 23.9 miles
  • One-bedroom average rent: $1,229 (down 14.82 percent since last year)
  • Two-bedroom average rent: $1,426 (down 12.71 percent since last year)

In 1958, a large gelatinous alien creature was let loose and devoured dozens of residents of Phoenixville, Pennsylvania. That of course only happened on screen, in the Steve McQueen horror classic “The Blob,” which filmed and took place in the Chester County suburb.

The movie features a famous scene where terrified residents flee the alien out the Colonial Theater’s doors. That real-life theater is the centerpiece of Phoenixville’s Bridge Street main street as well as the annual Blobfest which celebrates the landmark film.

But as important as the film is, younger residents will tell you it’s the craft beer scene that makes Phoenixville special. After languishing for years as a rundown mill town, a revitalization plan included a call for brewers to set up shop. Today the city of just 17,000 offers 10 craft breweries.

On Bridge Street alone are four breweries, along with a tap house, a distillery and three winery tasting rooms. That collection gives downtown Phoenixville the distinction of having the most breweries per square foot of any place in the nation.

For residents, Phoenixville is more than just beer and blobs. Its absolutely teeming downtown along Bridge Street has boomed with pizzerias and bistros, coffee and smoke shops and boutiques and galleries.

Phoenixville Area High School offers a high ranking and a 15:1 student-teacher ratio. And many parks and green spaces dot the region, including the large Black Rock Sanctuary wildlife refuge along the Schuylkill River bend that also features Basin Trail for hiking and biking. The Schuylkill River Trail also crosses the borough, along French Creek.

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West Chester, PA. West Chester, PA.

  • Distance from downtown: 25.0 miles
  • One-bedroom average rent: $1,631 (down 1.23 percent since last year)
  • Two-bedroom average rent: $2,095 (up 7.54 percent since last year)

A little under 25 miles from Center City, West Chester is a more affordable alternative to the nearby Main Line. The seat of Chester County offers a selection of bars, restaurants and shops in its surprising downtown along Gay and Market streets.

Local businesses are accessible, catering to the borough’s young, affluent residents as well as budget-conscious clientele. Need proof? West Chester’s downtown sits on the top-three list of “Great American Main Streets.”

West Chester is a more affordable, younger enclave surrounded by old-money communities like Malvern, Kennett Square and Chadds Ford, with swaths of an urban-rural buffer.

The borough offers high-ranked schools and an average age of just 24.9 years old. A vibrant part of that young community is West Chester University, ranked a Top 10 Public Regional University by U.S. News.

Why is West Chester attractive to young professionals? Perhaps it’s the borough’s title as “Most Exciting Place” in all of eastern Pennsylvania. It’s a locale to meet new people, as the state’s second-most densely populated city, fifth-best for nightlife and fifth-best spot to lead an active lifestyle.

Or maybe it’s because it’s the world headquarters of the QVC shopping network.

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Wilmington, DE. Wilmington, DE.

  • Distance from downtown: 26.2 miles
  • One-bedroom average rent: $1,186 (down 14.08 percent since last year)
  • Two-bedroom average rent: $1,477 (up 1.09 percent since last year)

Look behind Pennsylvania and New Jersey to find the best cities near Philadelphia — don’t forget about Delaware!

Wilmington is certainly having a moment. While the previous president spent his weekends at swanky Mar-a-Lago or Bedminster golf club, the current chief executive has been taking his off weekends back in his home state of Delaware. President Biden famously grew up in and around Wilmington and is known to have commuted back to his residence weekly dating back to his earliest days as the Diamond State’s senator.

Wilmington, despite being the largest city in a completely different state, is just a half-hour drive from Center City Philly. But it’s the finance industry that fuels the economy of the Corporate City.

The 1980s Financial Center Development Act liberalized financial regulations in Delaware, removing usury laws and interest rate caps. This caused financial and insurance corporations from around the world to set up shops in Wilmington.

An attractive city to big money employers is an attractive city to its white-collar workers. And one of the favorite locals is the Christina River waterfront. Popular waterfront spots include the Blue Rocks’ Frawley Stadium, the Delaware Children’s Museum, a convention center, a movie theater, parks, trails, hotels and a slew of cafes, restaurants and bars.

And for those concerned about Wilmington’s less-than-stellar crime safety record, there is good news. The city reports being “safer now than it’s ever been.” The city is noting its lowest crime rate in recent history.

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dolyestown, PA, one of the cities near philadelphiadolyestown, PA, one of the cities near philadelphia

Photo source: Doylestown Township / Facebook
  • Distance from downtown: 27.2 miles
  • One-bedroom average rent: $1,408 (up 25.06 percent since last year)
  • Two-bedroom average rent: $1,999 (up 9.93 percent since last year)

Gateway to the colonial-estate-and-covered-bridge tourism lands of Upper Bucks, Doylestown is the charming exurban seat of Bucks County.

The borough offers a slew of cultural and entertainment options not usually found in a town of under 9,000, about an hour commute from Center City by either train or car.

Doylestown has one of the densest gatherings of museums out of all of the cities near Philadelphia. James Michener Art Museum (named for the native son author), the Moravian Pottery and Tile Works, the Mercer Museum and Oscar Hammerstein II Farm (the final residence of its namesake) can all be found here.

Just off the center of town is the historic art deco movie house County Theater which shows blockbusters and arthouse films alike.

Elsewhere in Doylestown’s downtown along State and Main streets are quaint thrift shops, big city-worthy restaurants, bookstores, coffee shops and brewpubs.

For those seeking a more natural setting, just as appealing is the natural beauty of rural Bucks County just outside of town, packed with hiking trails, bike paths, water recreation and nature watching. Favorite spots include urban 108-acre Central Park and wooded 1,500-acre Peace Valley Park.

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Make one of these cities near Philadelphia your next home

No matter where you decide to call home, you can’t go wrong with any of the amazing cities near Philadelphia you might choose.

Whether in Bucks, Montgomery, Chester or Delaware Counties, across the river in South Jersey or down I-95 in Delaware, you’ll have tons to do all within a short commute into the city.

Rent prices are based on a rolling weighted average from Apartment Guide and Rent.com’s multifamily rental property inventory of one-bedroom apartments in April 2021. Our team uses a weighted average formula that more accurately represents price availability for each individual unit type and reduces the influence of seasonality on rent prices in specific markets.
The rent information included in this article is used for illustrative purposes only. The data contained herein do not constitute financial advice or a pricing guarantee for any apartment.

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Source: apartmentguide.com

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25 Best Travel Jobs | Make Money While Traveling The World

Are you looking for the best travel jobs? Are you wondering, “How can I make money and travel?”

The best travel jobs give you a chance to make money while pursuing your passion of travel.

Travel is a dream for many, but it doesn’t have to just stop there — you can side hustle, or earn a full-time income while traveling the world.best travel jobs

best travel jobs

Whether you want to make extra money or if you’re looking for a full-time career, this list of best travel jobs may help you reach your goal to travel more.

Yes, it is quite possible to make money and travel full-time.

Making money holds many people back from traveling more, but it doesn’t have to.

This is because there are many different types of best travel jobs that can make your travel dreams become a reality.

We sold our house, moved into an RV, and started traveling over 6 years ago, and we’ve now been living on a sailboat for around 3 years.

I’ve been location independent since 2013, and have been traveling full-time since 2015.

Because I work a job that allows me to make money while traveling, I have been able to travel extensively, while also being able to pay my bills and save fully for retirement.

Over the years, I’ve met many full-time travelers. There have been people who have saved up enough money to travel for an extended amount of time, those who are retired, those who find odd jobs on the road, those who work some of the best travel jobs I’m about to tell you about, and more.

The majority of the people I have met are not bloggers or Youtubers. I know you see a lot of that online, but the reality is there are many people traveling while working more traditional jobs. 

Everyone has their own way of doing things to make full-time travel work, so I’m sure you can find something that will fit you the best.

Related content to best travel jobs:

Here are 25 best travel jobs.

 

1. Find remote work

Many, many of the people that I have met who travel full-time have remote jobs.

By remote jobs, I mean that they simply work full-time or part-time for an employer through their laptop. These aren’t jobs that pay you to travel or jobs that require international travel. Instead, they are just regular jobs that can be done online.

So, these people are able to work from anywhere, but they usually need to be available Monday through Friday during certain hours — just like if they were going into the office.

Because of the events of 2020, many companies have moved their employees to remote work, and there are many companies that plan to stay that way. Jobs like analysts, programmers, customer service reps, human resource management, and more can all be done remotely. And many big companies — Amazon, American Express, Siemens, Microsoft, etc. — have announced plans for staying remote or making it optional for the future.

If your company currently doesn’t allow for remote work and you’re interested, you can see if they are willing to work with you. Make a plan to meet with your boss and be prepared with reasons it would work for them too, and then talk about the possibility.

You can learn more about what makes remote work one of the best travel jobs in Remote Work: Work, Live, and Travel Where You Want With Remote Jobs. You’ll learn:

  • What a remote job is
  • How to make money as a remote worker
  • How much a remote job will pay
  • How to find remote work

What jobs allow you to travel the world?

What jobs allow you to travel the world?

2. Become a blogger

Blogging is great because you can work from anywhere. I know I’m biased, but it’s definitely one of the best travel jobs out there.

Blogging is what allows me to travel full-time. I make a great income and have enough saved to retire whenever I would like. Blogging also allows me to have a flexible schedule, meaning I can enjoy many of the places I travel to.

As a blogger, you may make money through advertising, affiliate marketing, sponsored partnerships, reviews, creating your own product, and more.

You can create your own blog here with my easy and quick tutorial. You can start your blog for as low as $2.95 per month, plus you get a free domain name when signing up through my guide.

Related content: How To Start a Blog Free Course

3. Become a park ranger

Becoming a park ranger can allow you to really get to know a new place, and you can transfer to different parks to visit new areas.

The website ParkRangerEdu.Org is a great place to learn more. According to the site, earning a college degree in a relevant major such as earth science, forestry, conservation, biology, and more can be very helpful to becoming a park ranger.

As a park ranger, you may help protect the park, wildlife, visitors, and more, and may work at the visitor center, as law enforcement, protecting animals, guiding tours, and so on. It all depends on the position that you are looking to fill.

This would be one of the best travel jobs for people who love to be outdoors.

 

4. Cruise ship worker

If you want to know what jobs allow you to travel the world, working on a cruise ship is definitely one of them. You can work and travel through the Caribbean, Mediterranean, and more.

We went on a cruise many years ago and met a man who was sitting in the hot tub waiting for his wife to get off work. She was a balloon artist on the cruise ship, and he got to join the cruise and stay with his wife. She didn’t work a lot of hours, and they both seemed extremely happy with their travel and living situation.

There are many different types of opportunities to find on a cruise ship, including:

  • Daycare/childcare worker
  • Cleaning crew
  • Boat crew
  • Photography team
  • Salon/spa
  • Fitness center
  • Restaurant server or cook
  • Entertainment

Those are just a few of the jobs you can find on a cruise ship, and there are over 300 cruise ships in the world, and hundreds of workers on each cruise ship.

With a job on a cruise ship, you would live on the cruise ship and many of your expenses, such as room and board, may be paid for by the cruise ship company. You may also make a salary and tips.

 

5. WWOOFer

WWOOF stands for Worldwide Opportunities on Organic Farms, and it’s an organization that connects visitors with organic farms around the world.

WWOOF allows volunteers to choose an area and country to travel to and volunteer in at a farm. The stay can range from a few days to several months, depending on what is agreed upon.

In return for your food and provided accommodations, you may work 4-6 hours a day on the farm. 

This is one of the best travel jobs if you are looking for an affordable way to travel the world. You won’t make a full-time income, but it sounds like a fun way to visit new areas.

 

6. Freelancer writer

A freelance writer is something that you can work on from nearly anywhere. And, it’s one of the best online jobs because there is a growing number of freelance writing jobs.

A freelance writer is someone who writes for different companies, such as websites, magazines, books, and more. They don’t work for one specific company, instead, they work for themselves.

So, this means that you can have a flexible schedule and travel full-time.

My friend Holly has a successful freelance writing career and has earned over $200,000 each year writing online! 

Learn more about one of the highest paying travel jobs at How I Earn $200,000+ Writing Online Content.

 

7. Au pair

Au pairs are like nannies, but they go to live abroad with a family in a foreign country so they can learn the language, experience the culture, and travel. Au pairs don’t usually get paid a salary, but their host family pays for food and stay and gives the au pair some spending money.

Working as an au pair is one of the best travel jobs for anyone out of high school, in college, or younger adults who want to travel.

My sister was an au pair in Italy a few years ago. It was an interesting experience, and she had both positives and negatives from it.

In the blog post linked to below, she talks about:

  • How much an au pair can earn
  • The positives and negatives of being an au pair
  • Tips to find a host family to work for
  • Questions that you should ask the family before moving in with them

You can read more at How To Become An Au Pair And Travel The World.

 

8. Campground worker (workamper)

Campground workers or workampers are people who work at a campground in exchange for free stay and sometimes pay. There are many campgrounds across the country looking for workampers, and this can be one of the best travel jobs for people who like to camp.

You can find amazing campgrounds that are on the beach, in national parks, state parks, forests, and more. Pretty much any kind of campground can use workampers.

After RVing full-time for many years, I have met many happy workampers who enjoy their jobs. And, it’s something that I would definitely do myself!

After all, you get to stay for free, and many times you’re even paid to stay in some of the most beautiful places in the world. It’s a great way to make RVing work full-time.

As a work camper you may be:

  • Answering phones and making reservations in the campground office
  • Cleaning RV sites and bathrooms
  • Helping RVers learn their way around
  • Making food for visitors

As a workamper, the way you are paid can vary. Workampers can be paid with an RV site to stay in, at an hourly rate, or a mixture of the two.

Many times, campgrounds prefer a couple as well.

Related content: How To Make Money While RVing

 

9. Outdoor guide or instructor

If you’re the adventurous type, then becoming an outdoor guide or instructor is one of the best travel jobs available.

You will need some sort of skill level in order to safely do this, of course.

Outdoor guide or instructor jobs may include:

  • Hiking guide
  • Rock climbing guide
  • Scuba diving guide
  • Wilderness and survival guide
  • Kayaking/rafting guide
  • Fishing guide
  • Surfing instructor

As a guide or instructor, you may work for yourself, work for a park, a summer camp, or for another company.

 

10. Flight attendant

Many people desire to become flight attendants because of the travel opportunities that you are given.

There are strict requirements for becoming a flight attendant, but you may receive super discounted flights for you and companions. This can be a great way to travel while you’re working, and when you’re not on duty as a flight attendant, you can explore new places.

 

yacht crew travel jobs

yacht crew travel jobs

11. Yacht crew

Working as part of a yacht crew is a super interesting travel job. And, people are always looking for help on their boats, whether it’s a small 30 foot sailboat or if it’s a 200 foot mega yacht.

My husband has delivered two sailing catamarans for a total of around 4,000 miles (that doesn’t even include the amount of sailing he’s done on our boat), and we’ve both been offered crew jobs on several other occasions as well.

Being on a yacht crew doesn’t always pay (full-time jobs do pay well, though), but it does allow you to travel because that’s literally the job!

As yacht crew, you may be working as the:

  • Captain
  • Mechanic or engineer
  • Server
  • Chef
  • Cleaner
  • Crew

Now, working on a boat is not easy. It’s usually quite hard work, but it can be extremely rewarding and one of the best travel jobs if you’re interested in sailing.

To find travel jobs on a boat, a lot of it is about networking. Simply hanging around the docks may help you get some jobs, there are websites that you can join which connect crew to boats, and agencies that can help you find yacht jobs as well.

 

12. Photographer

We’ve met some amazing photographers ever since we started traveling, and I’ve always thought this would be one of the best travel jobs.

There are so many different kinds of photographers that make a living traveling the world. These include National Geographic photographers, people who travel around the world chasing crazy races and taking pictures of them, people publishing amazing photos on Instagram, and so on.

This is a very creative job that many people dream of.

 

13. Take surveys or take part in focus groups to make money traveling

Taking surveys definitely won’t be a full-time job, but it may help you make some extra money while traveling. It’s perfect if you’re looking for traveling jobs with no experience.

Some survey sites I recommend include:

  1. American Consumer Opinion
  2. Survey Junkie
  3. Swagbucks
  4. InboxDollars
  5. Branded Surveys
  6. Pinecone Research
  7. Prize Rebel
  8. Opinion Outpost
  9. User Interviews

With survey companies, it’s a good idea to sign up for as many as you can so that you can get the most surveys opportunities each month.

 

marine biologist travel jobs

marine biologist travel jobs

14. Marine biologist

Becoming a marine biologist was definitely something that I dreamt of as a kid. I can thank movies for that, haha.

Now, I live on a boat so I guess that’s the next best thing!

As a marine biologist, you may work for a university, the government, or a nonprofit organization that is focused on the water. You may work with wildlife, doing research, working as a naturalist, researcher, consultant, guide, or in some other role.

This travel job clearly requires more education and training than many of these other jobs, but if your dream is to travel and spend a lot of time near the ocean, this is something to work towards.

 

15. Proofreader

This is one of the best travel jobs because it allows you to travel full-time and be your own boss.

Proofreaders look for misspelled words, punctuation mistakes, and formatting errors, and they contract out their services to other business owners.

As a proofreader, you may be editing and proofreading articles, blogs, website copy, advertisements, emails, and so on.

You can learn more at How To Become A Proofreader And Work From Anywhere.

 

16. Travel nurse

Travel nurses are RNs (registered nurses) working short-term positions at healthcare facilities. Whenever there are nursing shortages, which happen often, travel nurses help healthcare facilities fill these roles.

I have had several friends become travel nurses, and I’ve also met a few travel nurses while traveling. Travel nurse jobs usually last around 3 months and can come with many benefits, and they also tend to pay quite well.

 

17. Write your own eBook

Writing your own book, whether it’s fiction or nonfiction, is a great way to make money and travel full-time.

My friend Alyssa self-published her first book and has sold more than 13,000 copies. Her book was all about RVing, and she earned over $6,500 in one month alone, all while traveling.

You can learn more about making money while traveling by writing your own eBook at How Alyssa is making $200 a DAY in book sales passively.

 

18. Find items to resell online

If you’re traveling full-time, then you may come across items to sell quite often because you are visiting so many different places. 

I’ve met people who travel the country in vans or RVs and pick up items as they travel. They sell their inventory online and ship items out from wherever they’re staying.

Etsy, eBay, Craigslist, and countless others are great places if you decide to sell items online.

You can learn more at How I Made $40,000 In One Year Flipping Items.

 

How can I make a career in traveling?

How can I make a career in traveling?

19. Work as a freelancer

Freelancers are people who work for others and businesses hire them for one-time gigs or long-term contracts.

Freelancing is a growing field because companies are hiring more freelancers instead of full-time workers because it’s more cost-effective for them. 

In addition to some of the freelance jobs I’ve already mentioned (writing and proofreading) there are many, many other freelancing gigs such as:

  • Bookkeeping
  • Graphic design
  • Web design and development
  • Video editing
  • Sound design
  • Programming

There are so many different types of services you can offer as freelance work. It makes this one of the best travel jobs for lots of different types of workers.

20. Sell printables on Etsy

This might surprise you, but you can travel while earning a living selling printables.

Printables are digital files that can be bought and sold nearly indefinitely, and because they are delivered online, you don’t have to ship anything or store physical products.

Some examples of printables you can sell while traveling are:

  • Grocery shopping checklists
  • Gift tags
  • Candy bar wrappers
  • Printable quotes for wall art
  • Holiday printables

You can learn more at How I Make Money Selling Printables On Etsy.

 

21. Teach English

Teaching English is a very popular travel job. Whether you’re teaching English online or if you find a school in a foreign country (such as China or South Korea), teaching English is one of the best travel jobs because it’s in-demand and can take you to so many different places.

In this section, I’m mainly going to talk about teaching English online, as that’s very popular these days.

You do not need to be a teacher to teach English online or speak another language, which is great. You only need to speak English.

Typically, you can earn around $14 to $22 per hour by teaching English online.

There are a couple of companies I recommend signing up for if you want to travel and make money as an online English teacher:

  1. VIPKID
  2. Education First

Learn more at Make Extra Money By Learning How To Teach English Online.

 

22. Amazon Camperforce

Amazon has a program where they hire RVers to work at their company “picking, packing, stowing, and receiving” packages. 

If you’re an RVer, Amazon’s CamperForce program is one of the best travel jobs because it’s pretty flexible and easy. They offer hourly pay, a completion bonus, referral bonuses, and paid campsites for those that join and complete their CamperForce program.

23. Ecommerce shop owner

There are so many different things you can sell online, everything from clothes, home decor, electronics, outdoor equipment, and much more. And unlike a brick-and-mortar business, ecommerce shop owners don’t necessarily need to store inventory or handle shipping.

If you’re unfamiliar with this idea, it works this way because of something called dropshipping. Your online store is the middleman between the wholesaler and customer.

That makes running an online store one of the many jobs that allow you to travel because you can manage your online store from your laptop.

Learn more about running an ecommerce store in How Jenn Makes over $10,000 A Month With Her Online Store In Less Than 10 Hours Per Week.

24. Peace Corps

Working for the Peace Corps as a volunteer could be one of the most life changing travel jobs. I’ve heard it is a very rewarding experience as you will travel to places you’ve never thought you’d visit while helping people along the way.

But, the Peace Corps isn’t for everyone. This is technically a volunteer position, and volunteers live with hosts in the community. You are paid a small monthly stipend that is enough to live on in a developing country. 

25. Virtual assistant 

Many individual and small business owners hire virtual assistants (VAs) to help with tasks that don’t need to be completed by the business owner. It’s a way for business owners to free up their time and focus on more important tasks

Virtual assistants work online doing things like billing, scheduling, basic website tasks, responding to customer requests, and more.

As long as you have an internet connection, you can work as a virtual assistant from anywhere in the world. 

You can learn more in How Kayla Earns $10K From Home As A Virtual Assistant.

What are the best travel jobs?

There are many different travel jobs that may interest you. It’s all about finding the one that you are passionate about, the one that pays the bills, one that fits your skill level, and so on.

There are pros and cons to each type of travel job, so there is no single solution — it’s all about finding what will fit you best.

As a recap, some of the best travel jobs talked about above include:

  • Remote jobs
  • Blogger
  • Park ranger
  • Cruise ship worker
  • WWOOFer
  • Freelancer writer
  • Au pair
  • Campground worker
  • Outdoor guide or instructor
  • Flight attendant
  • Yacht crew
  • Photographer
  • Take surveys or take part in focus groups
  • Marine biologist
  • Proofreader
  • Travel nurse
  • Write your own eBook
  • Find items to resell online
  • Freelancer jobs
  • Sell printables on Etsy
  • Teach English
  • Amazon Camperforce
  • Ecommerce shop owner
  • Peace Corps
  • Virtual assistant

Are you interested in finding travel jobs? What would your dream travel job be?

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Source: makingsenseofcents.com

10 Cities Near Tampa To Live in 2021

From its year-round sunshine to its annual Gasparilla Pirate Festival, there are tons of reasons to love living in Tampa. However, apartments in some neighborhoods don’t come cheap.

Fortunately, you don’t need to live in the Big Guava to enjoy everything it has to offer. There are lots of cities near Tampa that provide easy access to all the region’s amenities and attractions while maintaining a unique charm of their own.

So, before you commit to leasing an apartment in Tampa, you might want to consider these 10 alternative towns instead, all within 50 miles of downtown:

Temple Terrace, FL. Temple Terrace, FL.

  • Distance from downtown Tampa: 9.6 miles
  • One-bedroom average rent: $1,075 (down 14.1 percent since last year)
  • Two-bedroom average rent: $1,101 (down 25.6 percent since last year)

For renters who want to enjoy the Tampa lifestyle and save some money in the process, Temple Terrace is the perfect option.

This affordable town is just a hop, skip and a jump from Tampa. In normal traffic, you can get from your front door to the Amalie Arena or the David A. Straz Jr. Center for the Performing Arts in around 20 minutes.

Of course, residents don’t have to leave Temple Terrace to find things to do. This Hillsborough County city features tons of amenities, including the Claw (an 18-hole golf course) and Temple Crest Park.

Temple Terrace is also an ideal spot for college students in need of an off-campus apartment. The University of South Florida is just a few minutes away by car, bike or bus.

Find apartments for rent in Temple Terrace
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Largo, FL, one of the cities near tampaLargo, FL, one of the cities near tampa

Photo source: City of Largo / Facebook
  • Distance from downtown Tampa: 22.9 miles
  • One-bedroom average rent: $1,222 (up 5.6 percent since last year)
  • Two-bedroom average rent: $1,409 (down 4.6 percent since last year)

Largo is the third-largest city in Pinellas County, which means endless amenities and attractions for the whole family. History buffs will enjoy the Pinellas County Heritage Village, naturists will appreciate John S. Taylor Park and everyone will have fun at the Highland Family Aquatic Center.

If you have kids (or are planning to start a family in the near future), you will also be excited to know that Largo is close to some excellent elementary schools. Curtis Fundamental Elementary School and Pasadena Fundamental Elementary School both receive 10/10 grades from Great Schools.

Should you choose to move to Largo, you will also be just a short drive away from some of the nation’s best beaches including Indian Rocks Beach and Belleair Beach.

Find apartments for rent in Largo
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Clearwater, FL. Clearwater, FL.

  • Distance from downtown Tampa: 23.0 miles
  • One-bedroom average rent: $1,295 (up 1.4 percent since last year)
  • Two-bedroom average rent: $1,550 (up 4.9 percent since last year)

No list of cities near Tampa would be complete without mentioning Clearwater.

This coastal burg is one of the best places to live in the Tampa Bay area. Its picturesque beaches and trendy bars offer renters a uniquely fun and relaxed lifestyle.

This Pinellas County city is also an ideal spot for young professionals. Companies like Tech Data, BayCare Health System and the Suncoast Hospice Foundation have sizable footprints in the area and are always searching for new talent.

Clearwater is the most walkable city on this list. So, if you enjoy taking a stroll with your family in the evenings — it may just be the ideal place for you to rent your next apartment.

Find apartments for rent in Clearwater
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Palm Harbor, FL, one of the cities near tampaPalm Harbor, FL, one of the cities near tampa

  • Distance from downtown Tampa: 24.0 miles
  • One-bedroom average rent: $1,235 (down 1.2 percent since last year)
  • Two-bedroom average rent: $1,466 (down 2.3 percent since last year)

Renters who want to move to Pinellas County, but would prefer somewhere a little quieter than Clearwater or Largo, are sure to love Palm Harbor. This town is almost entirely residential, save for a few charming golf courses.

The real beauty of this city is its location. A short drive can get you to a wide variety of stunning parks, beaches and recreation areas. And just 30 minutes in the car will get you to Tampa International Airport and Raymond James Stadium.

If you decide to move to this quaint burg, you can’t miss the Taste of Palm Harbor festival in October. This annual event offers you the chance to try a plethora of delicious foods and drinks made by dozens of local eateries.

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Plant City, FL. Plant City, FL.

Photo source: City of Plant City / Facebook
  • Distance from downtown Tampa: 24.6 miles
  • One-bedroom average rent: $913 (up 6.1 percent since last year)
  • Two-bedroom average rent: $1,160 (up 9.5 percent since last year)

Plant City is just off Interstate 4, which makes it a breeze to get from this small town to the heart of downtown Tampa. For most residents, this drive should take no more than 30 to 40 minutes.

Convenient commuting isn’t the only reason to live in Plant City, though. This historic burg also offers a large number of breweries, bars and restaurants. It is even home to the Keel and Curley Winery.

However, without question, the Florida Strawberry Festival is the main attraction in Plant City. This annual event lasts 11 days and features scores of rides, art exhibits and dining options.

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Tarpon Springs, FL, one of the cities near tampaTarpon Springs, FL, one of the cities near tampa

Photo source: City of Tarpon Springs, FL City Hall / Facebook
  • Distance from downtown Tampa: 28.0 miles
  • One-bedroom average rent: $931 (up 2.6 percent since last year)
  • Two-bedroom average rent: $1,087 (up 3.5 percent since last year)

Tarpon Springs might be home to just 25,577 residents, but it boasts the highest percentage of Greek Americans of any city in the United States. As such, this picturesque town’s culture is quite similar to that of a small village in Greece.

Each year, Tarpon Springs hosts an Epiphany celebration in which kids go diving for a cross, and the local priest blesses the waters and the boats. The event attracts visitors from throughout the United States and abroad.

Of course, you don’t have to enjoy Greek culture to love living in Tarpon Springs. The city also features lots of parks, bars and recreation areas.

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Lakeland, FL. Lakeland, FL.

  • Distance from downtown Tampa: 35.5 miles
  • One-bedroom average rent: $1,138 (up 10.1 percent since last year)
  • Two-bedroom average rent: $1,328 (up 1.9 percent since last year)

Lakeland is the largest city in Polk County. It is best known for its abundance of quaint antique shops and early 20th-century architecture. These features give it a look and feel that is unlike that of any other city in Florida.

This unique locale is perfect for families. It offers tons of recreation areas as well as some of the best schools in the area. Lincoln Avenue Academy is particularly popular with local parents.

Because it is on Interstate 4, Lakeland residents also enjoy easy commuting in and out of Tampa. In normal traffic, the journey takes around 45 minutes.

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Dade City, FL, one of the cities near tampaDade City, FL, one of the cities near tampa

Photo source: City of Dade City, FL / Facebook
  • Distance from downtown Tampa: 38.4 miles
  • One-bedroom average rent: $1,147 (up 6.0 percent since last year)
  • Two-bedroom average rent: $1,308 (up 3.7 percent since last year)

Dade City is the county seat of Pasco County. By population, it is the smallest town on this list. As a result, it is also one of the quietest and most family-friendly.

Though Florida is generally quite flat, Dade City features a collection of rolling hills that offer residents some stunning views from their apartment balconies.

Like most cities near Tampa, Dade City offers an abundance of green space for renters to enjoy. Dade City Dog Park is especially popular with people who want to help their canine companions make new friends.

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Bradenton, FL. Bradenton, FL.

  • Distance from downtown Tampa: 45.6 miles
  • One-bedroom average rent: $1,331 (up 8.7 percent since last year)
  • Two-bedroom average rent: $1,573 (up 10.5 percent since last year)

At just 14.18 square miles, Bradenton is the smallest city on this list. However, it packs a lot of amenities into its limited space. This Manatee County town offers residents a baseball stadium, a science and nature museum and a performing arts center.

There are lots of job opportunities in Bradenton, especially in the healthcare sector. Companies like HCA Healthcare, HealthMarkets and Universal Health Services have offices in the region and regularly hire new employees.

Should you decide to rent an apartment in Bradenton, you will also have beaches like Longboat Key and Anna Maria Island just a stone’s throw from your front door.

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Spring Hill, FL, one of the cities near tampaSpring Hill, FL, one of the cities near tampa

  • Distance from downtown Tampa: 47 miles
  • One-bedroom average rent: $904 (up 1.0 percent since last year)
  • Two-bedroom average rent: $1,359 (up 45.0 percent since last year)

Spring Hill is undoubtedly one of the most affordable cities near Tampa. With one-bedroom units averaging $904 per month in this Hernando County town, you’ll have a tough time finding better value for money anywhere in Central Florida.

Its low cost of living isn’t the only thing that brings renters to Spring Hill, though. This charming city features a wildlife sanctuary, an adventure park and a country club. It is also just a short drive to the world-renowned Weeki Wachee Springs State Park.

Find apartments for rent in Spring Hill
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Make one of these cities near Tampa your next home

Don’t delay. Find your home in one of these cities near Tampa with Apartment Guide today.

Rent prices are based on a rolling weighted average from Apartment Guide and Rent.com’s multifamily rental property inventory of one-bedroom apartments in April 2021. Our team uses a weighted average formula that more accurately represents price availability for each individual unit type and reduces the influence of seasonality on rent prices in specific markets.
The rent information included in this article is used for illustrative purposes only. The data contained herein do not constitute financial advice or a pricing guarantee for any apartment.

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Source: apartmentguide.com

15 types of credit cards

The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. See Lexington Law’s editorial disclosure for more information.

Whether you’re a seasoned cardholder or a first-timer, you may be surprised at how many types of credit cards are available. Depending on your credit score and the length of your credit history, you may not be able to qualify for the ones with the most favorable terms and lowest interest rates. But chances are, there’s a card that fits your needs and—if used responsibly—may help you build credit.

Broadly speaking, there are four different types of credit card categories:

  1. Cards That Help Build Credit
  2. Cards That Can Save You Money
  3. Cards That Offer Cash Back and Rewards
  4. Cards for People With Bad Credit

Here, we’ll break down each category, discuss the specific card types and explain each one’s unique benefits so that you can make the most of your card.

Cards That Help Build Credit

If you’re new to the world of credit, you may be wondering how to build credit quickly, without going into debt. If you’re in college, you may have the added load of student debt. When you’re just starting out, it’s important to find a card that’s right for you and manage it carefully to start your credit health out on the right foot. You may even be able to earn some rewards along the way.

Cardholders ages 18 – 22 have an average credit score of 672.

1. Student Credit Cards

Student credit cards operate exactly the same way that standard credit cards do. The main difference is that their total credit limits tend to be lower. Additionally, since they are marketed toward students who likely don’t have much of a credit history, the requirements for approval are typically more lenient. 

Benefit: Some student cards offer incentives for good grades, like a small cash reward for each school year that you earn a GPA of 3.0 or higher.

Example: Discover it® Student Cash Back

2. Starter Credit Cards

Starter credit cards are designed for those with little to no credit history. Consider getting one if you’ve never had a line of credit, or if you have one that hasn’t been open very long. These cards typically don’t offer great rewards programs or cash-back incentives, and they come with high interest rates. However, if you can find one with no annual fee, it can be a great option to begin building credit.

Benefit: Establish your credit and build a solid payment history with this type of credit card, which is generally easy to qualify for.

Example: Capital One Platinum® Credit Card

3. Joint Credit Cards

Unlike authorized user credit cards, joint credit cards require both parties to apply together. Both parties are equally responsible for paying the balance. Therefore, late or missed payments may ding both credit scores—while consistent, on-time payments will benefit both scores. 

Benefit: If a person doesn’t have a high enough credit score to qualify for a good credit card, they may consider applying with their partner for a joint credit card with more favorable terms.

Example: Bank of America® Cash Rewards Credit Card

Cards That Can Save You Money

Sometimes applying for a credit card is a strategic move. Maybe you want to transfer your balance to a card with a lower interest rate, avoid paying interest for an introductory period or customize features for your business. These cards can help you save money—your way.

Approximately 74% of credit cards have no annual fee.

4. Zero Percent Purchase APR Credit Cards

Sometimes cards will offer temporarily lower APRs for an introductory period. Cards that boast zero percent APR don’t require you to pay interest on new purchases for a set amount of time, usually about 12 months. 

Benefit: Save money on interest by borrowing money essentially for free. Just make sure to pay off your balance by the time your introductory period is over to avoid interest charges.

Example: U.S. Bank Visa® Platinum Card

5. No Annual Fee Credit Cards

Many credit cards charge annual fees for the convenience of having the card and for the benefits and rewards they offer. Depending on how elite the card is, these fees can be up to $450 or more. However, almost three-fourths of cards offer no annual fee—and many of these still come with decent cash back programs. Scan your credit card offer or the terms and conditions to make sure your card has no annual fee. 

Benefit: Save an average of $58 each year by avoiding unnecessary annual credit card fees.

Example: Citi® Double Cash Card

6. Balance Transfer Credit Cards

Similar to zero percent purchase APR credit cards, balance transfer cards offer temporarily low introductory rates—but specifically for balance transfers. This is a great option for those who want to save money on a high-interest credit card. Rather than closing the unfavorable card—which may lower your credit score—a balance transfer may be a better option.

Benefit: Avoid paying hefty amounts of interest by transferring your balance to a card with a much lower introductory rate. 

Example: Wells Fargo Platinum Card

7. Business Credit Cards

If you’re a business owner, you may want to apply for a credit card specifically for business use. This will help you separate personal and business expenses, and the rewards may help your business save money. You’ll then begin to build business credit. To apply you’ll need decent credit and either a federal tax ID or employer identification number (EIN).

Benefit: Enjoy business-specific perks like higher credit limits, expense management reports and the ability to add more cards for employees. 

Example: Costco Anywhere Visa® Business Card by Citi

Cards That Offer Cash Back and Rewards

In order to get the most out of their spending, most cardholders gravitate toward credit options that offer cash back and rewards. 

Cardholders carry an average of 4.1 cards, 2.4 of which are rewards-based.

8. Cash Back Credit Cards

Cash back credit cards allow you to earn a certain percent—typically ranging from one to five—of the money back every time you make a purchase with the card. Some issuers will pay this amount annually, while others pay monthly.

Benefit: Find a card that allows you to customize where you get your cash back. For example, certain cards allow you to earn five percent cash back in a store category of your choice.

Example: Chase Freedom Unlimited®

9. Retail Credit Cards

Retail or store credit cards are offered by specific businesses and can only be used to make purchases with that store. While these cards aren’t ideal for everyday purchasing needs, they’re a great way to earn generous rewards with stores that you frequently shop at. There are over 300 store credit cards available, from Walmart and Target to Lowe’s and JCPenney. 

Benefit: Store cards typically don’t charge annual fees, don’t require excellent credit and offer substantial first-purchase discounts as well as long-term cash back rewards.

Example: Amazon Prime Store Card

10. Hotel Credit Cards

Hotel credit cards are affiliated with a specific hotel chain and offer rewards on a “points” basis. Typically, they’ll offer some points for purchases made at unrelated businesses such as grocery stores, gas stations and restaurants. But the main attraction is the bonus points earned on eligible purchases made directly with the hotel. 

Benefit: Earn generous sign-up bonuses, rewards when you spend money on hotel bookings and yearly free nights. 

Example: Hilton Honors American Express Surpass® Card

11. Airline Credit Cards

Certain credit cards offer rewards on purchases made with a specific airline, while others allow you to earn rewards with any airline or travel-related expense. These rewards rack up in the form of “miles.” For example, many cards offer two miles for every one dollar spent on flights. 

Benefit: For frequent travelers, airline credit cards are a great way to score free and discounted flights.

Example: Delta SkyMiles® Gold American Express Card

12. Gas Rewards Credit Cards

Not to be confused with gas station credit cards—which operate like retail cards—a gas station rewards card offers cash back when you pay at the pump. It can be used anywhere, but you’ll enjoy bonus rewards at gas stations.

Benefit: Earn up to three to five percent cash back on gas purchases, often with no annual fee and a zero percent introductory APR. 

Example: PenFed Platinum Rewards Visa Signature® Card

13. Charge Cards

Charge cards operate in exactly the same manner as regular credit cards, except for one major caveat: you must completely pay off the total balance each month. Failure to do so results in late fees and penalties and will cause a drop in your credit score. On the flip side, they typically come with sizable initial bonuses and rewards.

Benefit: Enjoy higher credit limits and generous point systems—oftentimes offering up to five points per one dollar spent.

Example: ThePlatinum Card® from American Express

Cards for People With Bad Credit

If you’re struggling to get approved for credit cards, loans or other lines of credit because of bad credit, don’t be discouraged. There are credit cards with terms designed specifically for those with poor credit. 

Approximately 12% of Americans have a FICO score below 550.

14. Secured Credit Cards

Most credit cards are unsecured. This means that you are not required to put up a security deposit. Secured cards, on the other hand, require an up-front payment to act as collateral in the event that you can’t pay your balance. Credit card issuers see borrowers with bad credit scores as riskier, so this deposit helps mitigate some of that risk. 

Benefit: Secured cards give borrowers with poor credit access to credit when they otherwise wouldn’t be able to qualify for a card.

Example: Capital One® Secured Mastercard®

15. Prepaid Cards

Prepaid cards aren’t technically credit cards, because they don’t involve borrowing money. Instead, a cardholder loads a set amount of money onto the card, and purchases are subtracted from the card’s balance, similar to a gift card. The spending limit then renews if and when the card is reloaded. 

Benefit: Prepaid cards help you stay within a budget and avoid getting into credit card debt.

Example: American Express Serve® FREE Reloads

What Type of Credit Card Is Best?

Ultimately, the decision for which card to get is up to your personal preferences and financial goals. However, there are a few good rules of thumb when looking for the best credit cards. Remember to read the terms and conditions carefully before signing up. Generally, cards with any of the following perks may be worth pursuing:

  • Zero percent introductory APR
  • Low APR after the introductory period
  • Sign-up bonus
  • Solid rewards or cash-back program
  • No annual fee

All of the different types of credit cards may seem daunting at first, but once you understand the unique benefits of each one, you’ll be able to find a card that fits your needs. Remember that—regardless of credit card type—good credit management is the key to keeping your credit healthy. After years of on-time payments, low credit utilization, a good mix of credit and few hard inquiries, you’ll be well on your way to your best score yet.


Reviewed by Kenton Arbon, an Associate Attorney at Lexington Law Firm. Written by Lexington Law.

Kenton Arbon is an Associate Attorney in the Arizona office. Mr. Arbon was born in Bakersfield, California, and grew up in the Northwest. He earned his B.A. in Business Administration, Human Resources Management, while working as an Oregon State Trooper. His interest in the law lead him to relocate to Arizona, attend law school, and graduate from Arizona State College of Law in 2017. Since graduating from law school, Mr. Arbon has worked in multiple compliance domains including anti-money laundering, Medicare Part D, contracts, and debt negotiation. Mr. Arbon is licensed to practice law in Arizona. He is located in the Phoenix office.

Note: Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.

Source: lexingtonlaw.com

[Targeted] American Express: Delta Reserve 125,000 Miles + 10K MQM

The Offer

Direct link to offer

  • American Express is offering an increased bonus on the Delta SkyMiles Reserve of 125,000 miles + 10,000 MQM miles after $5,000 in spend within the first three months.

Card Details

  • $550 annual fee, not waived first year
  • Card earns at the following rates:
    • 3x miles on Delta purchases
    • 1x miles on all other purchases
  • Earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card in a calendar year, up to four times
  • Waive the MQDs requirement towards Platinum, Gold or Silver Medallion Status if you make at least $25,000 in purchases in that year
  • Complimentary Delta Sky Club Access & Access to The Centurion Lounge
  • Receive a Domestic First Class, Delta Comfort+® or Main Cabin round-trip companion certificate each year upon renewal

Our Verdict

Good deal if you have use of the MQM and the lounge access, but the $550 annual fee is off putting for most people. Won’t add this to the best credit card bonuses page because it’s targeted.

Hat tip to FM

Source: doctorofcredit.com

The small card perk that made our day — and gave us free cheesecake – The Points Guy


The small credit card perk that made my day — The Points Guy


Advertiser Disclosure


Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Please view our advertising policy page for more information.

Editorial Note: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Source: thepointsguy.com

PODCAST: Estate-Planning Your Stuff with T. Eric Reich

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Transcript

David Muhlbaum: When it comes to estate planning, money is usually front of mind. Makes sense, that’s where decisions about wills, trusts and more can realize real tax savings. But it’s stuff, tangible things like houses, china and collectibles that often generate drama and conflict. We talk with a financial advisor who’s touched a nerve on this front. Also, meet Generation I. All coming up in this episode of your money’s worth—stick around.

David Muhlbaum: Welcome to Your Money’s Worth, I’m kiplinger.com senior editor David Muhlbaum, joined by my co-host, senior editor Sandy Block. How are you doing Sandy?

Sandy Block: I’m doing good.

David Muhlbaum: Well, good. Short of talking politics, there’s probably no quicker way to generate angry feedback than waging intergenerational battles.

Sandy Block: But you’re going to do it anyway?

David Muhlbaum: Sort of? I say that in part because while the study I’m going to discuss sounded like it was going to be kids versus the olds, it turns out there’s more nuance than that. Anyway, I’m going to talk about Generation I, which isn’t really even a generation but rather a handy little term that the Charles Schwab Investment firm cooked up for new investors. By that they mean people who are new to stock market investing.

Sandy Block: And those folks have been the source of some of the market drama we’ve seen this year like the GameStop bubble we talked about earlier this year.

David Muhlbaum: Yes, yes. There is overlap between the whole meme stocks crowd and Generation I. I stands for investor but since it’s a new term, let’s start with the definition. What Charles Schwab means by Generation Investor, Generation I, is people who started stock market investing in 2020—not before. So it doesn’t matter what your actual age is. There are Generation I members who are Boomers, Gen X, Millennials. Obviously, the group skews younger than investors broadly, but what’s striking is that Generation I, according to Schwab, accounts for 15% of all U.S. stock market investors.

Sandy Block: By population, not by dollars invested.

David Muhlbaum: Yes, by population. They don’t have a figure for a Generation I’s sum assets but I see what you’re getting at. And yes, Gen I earns about $20,000 less in annual income, at $76,000 a year, than those who began investing before 2020. And here’s another interesting number, half of Generation I says they live paycheck to paycheck.

Sandy Block: Okay. That sounds worrisome.

David Muhlbaum: Yeah, but here’s the thing. Some of the so-called Generation I are people who downloaded Robinhood and are watching a handful of stocks for big moves, short term trading. And if they’re doing that while missing payments on their car note, okay, that’s bad. But at least according to the study, they say they’re learning that investing is more about longer-term gains versus shorter-term wins. About learning to do research, diversification, capital market gains, taxes, risk tolerance, all that—the knowledge if you will.

Sandy Block: I’m hearing echoes of what Kyle Woodley was talking about when he joined us for the GameStop discussion about how it’s possible for people who came in for this excitement might be convinced to stay around for the long term, grow your wealth, not double your money, kids.

David Muhlbaum: Yeah, I totally agree. However, the big factor here is that the sum of Generation I’s market experience is this strong bull market. Will they stick around when things go south, which someday, sometime we’ll have a bear market. Markets go up, markets go down.

Sandy Block: That’s right, and I’m constantly reminded what our editor Anne Smith reminds us all the time, is that we’ve been here before, maybe not at these numbers. But in the 90s, when tech stocks were taking off, all kinds of people got in the market for the first time. And while you couldn’t make trades for nothing on an app, it was cheaper to buy and sell stocks than it had been in the past. And a lot of these people piled in because they had heard that tech stocks would never go down and they didn’t think they would ever lose money and they learned the hard way that they could.

David Muhlbaum: When we return for our main segment, we’ll talk with a financial advisor with some insights about the estate planning for stuff. Not just the money, the stuff.

David Muhlbaum: Welcome back to Your Money’s Worth. Joining us today is T. Eric Reich, the president and founder of Reich Asset Management in Southern New Jersey. Eric has a whole slew of professional certification acronyms after his name, including CFP. And the way we found him is that he’s a contributor to Kiplinger’s Wealth Creation Channel. That is an area of our website that has content from a range of financial professionals, CFPs, CPAs, tax lawyers and more. They’re qualified and they’re good writers. Plus, since they’re dealing directly with clients, I’d venture to say that they often have a closer sense of what personal finance guidance people actually need than personal finance writers. So Eric wrote a piece for us called, Time to Face Reality, Your Kids Don’t Want Your Stuff. And well, it was a hit. Welcome, Eric. We will get into what stuff and why, but since we’ve brought up how you professionals get to hear it directly from the clients, why don’t you tell us a little bit about the reaction you’ve been getting? Because, I understand from your assistant that you’ve gotten a lot of feedback.

T. Eric Reich: We have. We got probably a few dozen emails across the country from different readers of Kiplinger’s that saw it and then of course our own clients, of course, were calling us. They were writing or calling and letting us know their thoughts on it. And it’s funny, I wrote it because it’s such a recurring theme with a lot of people. They’re always convinced that people want all of your stuff and they just don’t. So I wanted to touch on why, but I knew it was going to get a strong reaction because I hear the same thing all the time from people. So if I hear locally on the ground, then I’m sure to a bigger audience, we were going to even get more opinion on that.

Sandy Block: Well, Eric, I immediately latched onto your piece because I am in the process of… My father passed away a couple of months ago and I’m in the process of distributing and cleaning out his house and it’s a mammoth job. So many of the things that you talked about really resonated with me. Obviously, we’re going to link to your piece so that people can follow up and read it in its entirety but we’re going to hit on some highlights and my question is, what’s the number one item people planning their estate think their kids want but the kids don’t actually want?

T. Eric Reich: By far the biggest one is the house. And it’s not that the kids don’t want the house, it’s that logistically it just doesn’t work. My example: I have three children, I have a nice house and I have three young kids. Let’s say my kids were in their twenties and something happened to me. My kids might want the house, but how’s that going to work? None of them can afford it because they’re just starting out in their careers. There’s three of them, they’re certainly not going to share it. And then one of them invariably wants to buy it, but they think they’re entitled to a discount because they’re my kid. But then the other two would be offended if they got a discount because they’re my kids, so why should they get shortchanged in favor of another one? So everybody thinks that their kids want the house, but the reality is most often that the biggest misconception is that your kids just really don’t want your house.

Sandy Block: So a follow-up question, Eric, if you aren’t going to leave the kids your house, how should you plan your estate so that doesn’t happen?

T. Eric Reich: So if you’re not going to leave the house to the kids, I mean, you can leave it to them, but you can reference in there, “Hey, these are the parameters in which someone’s going to keep it.” So if you want to keep it, it has to be appraised by two different independent people or three different and you take the average of the three it’s bought at fair market value. You have to specify the rules to which someone can keep it because if not, that’s where all the fights start, is the more ambiguity you leave in it the bigger the fight. So all of those things should be spelled out ahead of time. If you want it to be sold, say you want it to be sold. If somebody wants to keep it, fine, but here are the rules under which someone gets to keep it.

David Muhlbaum: What about setting up a trust? Couldn’t that help establish the rules you’re talking about?

T. Eric Reich: It can, I mean, I think a trust in general can help with a lot of things. Again, this is for an estate planning attorney more but to me, I like using trusts in general. Simply because it’s a way to control things and I hate to use this phrase, control from the grave, but that’s exactly what it is. And sometimes that comes off as sounding like a control freak or overbearing, but sometimes it’s for, honestly, just the protection of the beneficiaries themselves. If one’s a spendthrift, if one’s in a bad marriage, if one has a lot of creditors, you could be doing them a disservice by giving it to them outright instead of via trust.

Sandy Block: So, Eric, isn’t the other advantage of putting your house and other items in a trust that it keeps it out of probate?

T. Eric Reich: It keeps it out of probate and the biggest part of that too, is, that’s public record. I mean, I remember when a client had a family member pass away, they got a phone call a few months later from a guy wanting to buy the antique car that they just inherited. To which their response was, “Wait, who are you again?” Well, here they looked up in public records that one of the assets was this old antique Chevy and the guy wanted to buy it off him. And I always say, you see it in real life, you know,. Princess Diana’s will was published in a magazine. Whereas I always say, “Well, what about, Frank Sinatra?” And they go, “Well, I never heard anything about that.” Exactly, because everything was in a trust. So privacy is a big component of that as well. So avoiding probate and also what goes along with that is the privacy factor.

David Muhlbaum: The main family house is one thing but a vacation house can be even more emotionally loaded, no? I imagine someone working on their will thinking, wouldn’t be great for everyone to get together at the lake house every summer, roast marshmallows and remember grandma and grandpa for having found this place. And actually the kids are like, “Eh, we like going to Europe.”

T. Eric Reich: You’re absolutely right. It’s definitely bigger for the creator of the estate. It’s not that the beneficiaries don’t love the idea of the vacation home and everything else. The problem is, and again, I always go back to my example, I have three kids. Who gets to use it when? It’s only fit to be used in the summer months. I live at the Jersey shore, so, super-popular here June through the end of August. So, who gets to use it during that time period and what weeks and what holidays? And as I get older and my kids get older, their kids get older,

If one family has five kids and the other has one, are they getting more usage out of it? How are the expenses being paid? Is everyone sharing in that equally? So it really starts to create a problem. One of the ways around that maybe is that if that were in a trust, then I could also put money into that trust for the maintenance of the house, to pay the taxes, it’s going to pay everything it needs at least for the next decade. And then after 10 years, you guys have to come up with a solution based on x, y, and z of how we should deal with it going forward.

Sandy Block: Yeah. Eric, my experience with people who have inherited vacation homes, it sounds like a great idea at the time but very often they/ve moved and live many, many miles away. They don’t live near the Jersey Shore, they live in California, so it becomes a huge hassle. And I think that’s something probably you mentioned that people also need to think about, how close are your heirs to the actual vacation home that they could use it.

T. Eric Reich: Yeah, we actually just had a situation not too long ago. We had someone who owned a house on the beach, a very valuable house. They were kind of house poor; they had a phenomenal house, but not tons of money other than that. But the client really wanted to preserve that asset for a grandchild, the only grandchild, who lived hours and hours away. And I actually suggested, we call the grandchild and ask point blank, “Do you want this house?” The client was floored, like, “Well, of course they want the house, who doesn’t want a house on the beach in Ocean City in New Jersey.” Well, we called and it turned out the kid said, “That’s wonderful but I’m in my 20s, I work 80 hours a week. It’s three and a half hours away. I will absolutely never use that house. I’d much rather you sold it and got to use the money and enjoyed it. And if there’s something left over, wonderful, leave it to me but otherwise, I really don’t care.”

David Muhlbaum: Well, sounds like conversations really come down to the core of doing estate planning, especially around stuff. But those could be pretty fraught conversations. It sounds like this one went okay, but I assume they don’t always.

T. Eric Reich: Well, yeah, that’s true. I mean, the reason we had to make that phone call was because they were adamant that, of course, they would want this. Who wouldn’t want it? And the reality is there’s a lot of people that wouldn’t want it. The beauty of that is in the eye of the beholder, not so much somebody on the other end, but these are real world scenarios that people have to deal with. And of course the house being the biggest, but it’s not always just the house.

Sandy Block: Now that leads me to my next question, Eric, because you also talk in the slideshow about your stuff, your collectibles. They may have great sentimental value to you but maybe not to your children. Should you start getting rid of them while you’re still around?

T. Eric Reich: We do suggest that sometimes or at least explore it. Or, if not, educate the children on the value of it. A lot of times what we’ll see is someone has a collection of stuff, whatever it might be, the owner, of course, knows how valuable it is. They’ve been collecting it for 20, 30, 40 years, but an heir doesn’t necessarily have an idea of what that would be worth. And we ran into a scenario like that: We had someone that was going to basically just sell a bunch of stuff. And I think it was for like $1,000. And then we actually brought a specialist in to review it and turns out it was worth $45 to $50,000. So this poor guy was going to get ripped off because he didn’t understand the value of what it was, and that’s not uncommon at all.

Sandy Block: That’s my Antiques Road Show nightmare, Eric, is that I will give something to Goodwill and be watching Antiques Road Show and it’ll show up being worth $50,000 and I’ll realize that I gave it away. So I think you’re suggesting that you get that stuff valued and appraised while you’re still around to help your kids is a really good one.

T. Eric Reich: If you’re not a collector, you don’t know. Either sell it and let it go ahead of time, or at least communicate that value—and an actual value, because sometimes we also think collectibles are worth a lot more than they really are. We think it’s worth $50,000 and it’s worth $1, that’s more often the case. But nonetheless, an appraisal from an independent person will help.

David Muhlbaum: I’m glad you brought up the point about actual valuation, because my cats eat from some pretty fancy china bowls that someone thought had a lot more value than they did. And I think that sometimes these items that people have had for a long time or inherited from their predecessors, they really don’t fetch that much today.

T. Eric Reich: No, because unfortunately some of the things and it’s just a generational thing and I use china, actually as the example a lot of times. Because 50 years ago, 75 years ago, china was prized. I mean, for everybody, fine china was a real hallmark of things. Today, I probably have six or seven sets of fine china. Some of them apparently, extremely old, from great-great-great-grandmothers. But the reality is the generation today doesn’t use it at all. If they do, they can’t use five, six, seven sets of it. But the reality is that value from a long time ago doesn’t necessarily translate today for those reasons. So a lot of times things you think are very valuable maybe aren’t.

Sandy Block: Yeah. David Muhlbaum: and I have discussed this, and both of us are awash in china. And, I also have at least two sets of silver that again have been handed down from generations. As you said, young people—and this goes for even furniture—young people just don’t use that stuff. So I guess, the best thing you can do is either get rid of it or have some instructions for what you’d like to have done with it.

T. Eric Reich: Yeah. And valuation is key for that as long as you have a good value placed on it and you have a sense of what it might be worth? My wife’s family, they have a much, much larger family than I do. They’ll go to everybody in the family, two and three removed and say, “Hey, does anybody want this piece?” Because it is a family piece. But if not, then what do they ultimately do with it? It sounds sad to have to part with it, if really nobody wants it, and you know you mentioned yourself and you’re going through it personally, it’s only adding to the problem, we’ll call it, of settling an estate. And the less planning involved, the bigger the problem becomes.

David Muhlbaum: I imagine that in your line of work, Eric, you refer people out for valuations pretty often. How can our listeners get good qualified valuations for their stuff?

T. Eric Reich: So there are evaluation organizations. So you basically would want to find certified valuation type of people for that.

David Muhlbaum: Do they have acronyms like CFP?

T. Eric Reich: They probably do. I think I’ve seen one or two out there, definitely not an expert on it, but it is funny because from the article, I did have two different companies reach out to me and say, “Hey, this is what we do for a living. Feel free to pass our information along.” So these companies are out there, they do understand what things are worth. I got lucky in the one example of the $1000 offer for $50,000 worth of stuff. I happened to know a person who had some expertise in that area. But we frequently do refer out to an appraiser, to an estate-planning attorney, to a CPA. And all of them can have pretty good contacts in that world as well.

Sandy Block: Eric, this wasn’t in your slideshow, but you mentioned cars. Do you want to talk about cars?

T. Eric Reich: Cars are a big issue for a lot of people. My example: I have an old classic Corvette. I have a 1963 split-window coupe. So among the rarest of the rare. I have one of them and I have three kids. They all are convinced they’re getting the, “Vette.” Or the yellow car, as I like to call it, when I’m gone someday. Well, they can’t all get it. They also probably have no idea what it’s really worth. So for that reason just like the house or anything else, get a valuation. Get an appraisal of what is this thing really worth. And then again, if somebody wants to buy it at fair market value, that’s fine.

T. Eric Reich: But if not, it has to be sold. So otherwise it’s going to be unfair. Now, you can swap assets. You might say, if that car was worth $150,000, okay, well then if you’re getting that, then you have to give up a $100,000 of something else. And so that 50 and 50 go to the other two siblings. That’s fine you’re welcome to do that but my trust would stipulate that. Would lay out the terms at which someone could buy something.

David Muhlbaum: Could people set up a corporation to manage it for them?

T. Eric Reich: They could, that’s more of an estate lawyer question from that perspective. But you could, or you could probably do it all through a trust. It might just be too onerous to set up a corporation for that purpose. The logistics and maintenance of it might be a little too much.

David Muhlbaum: One interesting word you used in your article, Eric is “fun.” It’s a little surprising. Where’s the fun?

T. Eric Reich: Well, that’s just it, estate planning is never fun. Settling an estate is flat-out awful but the estate planning process and planning for your demise is never something that’s fun. But If you don’t deal with it, it is going to be a nightmare for the people behind you. So, why not deal with it today, when you’re of sound mind and body, as the phrase goes, to make those decisions. And again, try to make it fun, try to involve the kids from day one. It’s not like they’re fighting over your stuff. If everything’s out in the open and it’s shared freely, you really can have fun with… You know, I have one kid who’s clearly closest to my old Corvette than the other two.

T. Eric Reich: So the other two say, “We want it.” But as soon as they leave the room, he says, “Well, of course you know I’m getting it.” You can joke around with it that way but sometimes in those conversations, you will find that there are things of greater value to different family members. And it doesn’t have to be monetary value, they just really want something special to them. And if that’s what they really want, then maybe they get that and somebody else gets the car or the whatever, to be even.

David Muhlbaum: I see an opportunity for the younger generations to help here. As documentarians of a sort. They can take pictures, record, video, ask questions, discuss the things. What are the stories associated with the thing? And then you can decide, okay, we have a record of everything, now, these we’re going to keep and these we’re going to want to let go.

T. Eric Reich: That’s a really good point. I mean, recording it that way. Someone had reached out to me after reading the article and said, what they did, was they took pictures and many, many pictures of all the different things that they had collection wise. Wrote about them and then sold them. So they still have the pictures, they still have the story, they still have the context and everything else. They just don’t have the asset by itself, but they still have all the memories of it. They have the pictures, they have everything. So you did keep that meaning alive behind it, without actually worrying about who’s going to maintain this asset.

Sandy Block: Eric, it sounds like bottom-line here, a lot of people might be very conscientious about having their beneficiary designations correct for all of their finances, but they really don’t think about the solid items that they’re going to leave behind. And I suspect this often comes with people—and this is the case in my situation—people who have been in the same home for many years. If you move into a retirement community, you are forced to downsize but a lot of people die in the homes that they lived in. And I can tell you from personal experience, that clean-out can be a real job, especially if you don’t know what was the intention for some of these things.

T. Eric Reich: Yeah, it’s really the case. You live in the same house, 40, 50, 60 years, you accumulate a lot of stuff. Some of that stuff probably is fairly valuable. And really it is key because, the longer you’ve been in that house, your reference point is also of that house, and you have special memories of things in that house, because you’ve been going even yourself to that same place all that time. And that’s where a lot of that interest from heirs comes in, is there is a special piece or a special thing that reminds me of mom and dad or grandparents or whoever. And that sentimental value to that item is worth more than the financial value, and that’s why that honest, open communication is really key. Have this conversation while you’re alive and you’re healthy. When you’re in more advanced decline is where we see problems come in—or I promised that Corvette to all three kids at some point, because I forgot I promised it to the other two.

T. Eric Reich: Because I might be starting to slip a little bit or I’ve let things go or I let people take things out of the house over the years, things like that. So it really is important to not just focus on the, “yes, I’ve done estate planning, I set up a will or I set up a power of attorney.” That’s the bare minimum but even just writing out things like an ethical will, here’s the things I want to happen. This is what I want to see you do with stuff. Or here’s what I would love to see happen to the car, if you can’t, fine, then do this. A lot of times heirs will try to honor those wishes, if you really put it down in paper. It’s not something that would necessarily be part of a will. That’s more just the direct transfer of the property but more what I would like to see happen with something.

David Muhlbaum: Write it down on paper, tell people what you want to happen, have honest open conversation, always good advice. And I think we’ve had a good conversation here today ourselves. Thank you so much for joining us, Eric. We’re going to link up to your piece for people who want to dig a little bit deeper into what to do and not to do with your stuff. Thanks again.

T. Eric Reich: Thanks so much for having me.

David Muhlbaum: And that will just about do it for this episode of Your Money’s Worth. If you like what you heard, please sign up for more at Apple Podcasts or wherever you get your content. When you do, please give us a rating and a review. If you’ve already subscribed, thanks. Please, go back and add a rating or a review if you haven’t already, it matters. To see the links we’ve mentioned in our show, along with other great Kiplinger content on the topics we’ve discussed, go to kiplinger.com/podcast. The episodes, transcripts and links are all in there by date. And if you’re still here, because you wanted to give us a piece of your mind, you can stay connected with us on Twitter, Facebook, Instagram or by emailing us directly at podcast@kiplinger.com. Thanks for listening.

Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. Reich Asset Management, LLC is not affiliated with Kestra IS or Kestra AS

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Source: kiplinger.com

15 types of credit cards – Lexington Law

The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. See Lexington Law’s editorial disclosure for more information.

Whether you’re a seasoned cardholder or a first-timer, you may be surprised at how many types of credit cards are available. Depending on your credit score and the length of your credit history, you may not be able to qualify for the ones with the most favorable terms and lowest interest rates. But chances are, there’s a card that fits your needs and—if used responsibly—may help you build credit.

Broadly speaking, there are four different types of credit card categories:

  1. Cards That Help Build Credit
  2. Cards That Can Save You Money
  3. Cards That Offer Cash Back and Rewards
  4. Cards for People With Bad Credit

Here, we’ll break down each category, discuss the specific card types and explain each one’s unique benefits so that you can make the most of your card.

Cards That Help Build Credit

If you’re new to the world of credit, you may be wondering how to build credit quickly, without going into debt. If you’re in college, you may have the added load of student debt. When you’re just starting out, it’s important to find a card that’s right for you and manage it carefully to start your credit health out on the right foot. You may even be able to earn some rewards along the way.

Cardholders ages 18 – 22 have an average credit score of 672.

1. Student Credit Cards

Student credit cards operate exactly the same way that standard credit cards do. The main difference is that their total credit limits tend to be lower. Additionally, since they are marketed toward students who likely don’t have much of a credit history, the requirements for approval are typically more lenient. 

Benefit: Some student cards offer incentives for good grades, like a small cash reward for each school year that you earn a GPA of 3.0 or higher.

Example: Discover it® Student Cash Back

2. Starter Credit Cards

Starter credit cards are designed for those with little to no credit history. Consider getting one if you’ve never had a line of credit, or if you have one that hasn’t been open very long. These cards typically don’t offer great rewards programs or cash-back incentives, and they come with high interest rates. However, if you can find one with no annual fee, it can be a great option to begin building credit.

Benefit: Establish your credit and build a solid payment history with this type of credit card, which is generally easy to qualify for.

Example: Capital One Platinum® Credit Card

3. Joint Credit Cards

Unlike authorized user credit cards, joint credit cards require both parties to apply together. Both parties are equally responsible for paying the balance. Therefore, late or missed payments may ding both credit scores—while consistent, on-time payments will benefit both scores. 

Benefit: If a person doesn’t have a high enough credit score to qualify for a good credit card, they may consider applying with their partner for a joint credit card with more favorable terms.

Example: Bank of America® Cash Rewards Credit Card

Cards That Can Save You Money

Sometimes applying for a credit card is a strategic move. Maybe you want to transfer your balance to a card with a lower interest rate, avoid paying interest for an introductory period or customize features for your business. These cards can help you save money—your way.

Approximately 74% of credit cards have no annual fee.

4. Zero Percent Purchase APR Credit Cards

Sometimes cards will offer temporarily lower APRs for an introductory period. Cards that boast zero percent APR don’t require you to pay interest on new purchases for a set amount of time, usually about 12 months. 

Benefit: Save money on interest by borrowing money essentially for free. Just make sure to pay off your balance by the time your introductory period is over to avoid interest charges.

Example: U.S. Bank Visa® Platinum Card

5. No Annual Fee Credit Cards

Many credit cards charge annual fees for the convenience of having the card and for the benefits and rewards they offer. Depending on how elite the card is, these fees can be up to $450 or more. However, almost three-fourths of cards offer no annual fee—and many of these still come with decent cash back programs. Scan your credit card offer or the terms and conditions to make sure your card has no annual fee. 

Benefit: Save an average of $58 each year by avoiding unnecessary annual credit card fees.

Example: Citi® Double Cash Card

6. Balance Transfer Credit Cards

Similar to zero percent purchase APR credit cards, balance transfer cards offer temporarily low introductory rates—but specifically for balance transfers. This is a great option for those who want to save money on a high-interest credit card. Rather than closing the unfavorable card—which may lower your credit score—a balance transfer may be a better option.

Benefit: Avoid paying hefty amounts of interest by transferring your balance to a card with a much lower introductory rate. 

Example: Wells Fargo Platinum Card

7. Business Credit Cards

If you’re a business owner, you may want to apply for a credit card specifically for business use. This will help you separate personal and business expenses, and the rewards may help your business save money. You’ll then begin to build business credit. To apply you’ll need decent credit and either a federal tax ID or employer identification number (EIN).

Benefit: Enjoy business-specific perks like higher credit limits, expense management reports and the ability to add more cards for employees. 

Example: Costco Anywhere Visa® Business Card by Citi

Cards That Offer Cash Back and Rewards

In order to get the most out of their spending, most cardholders gravitate toward credit options that offer cash back and rewards. 

Cardholders carry an average of 4.1 cards, 2.4 of which are rewards-based.

8. Cash Back Credit Cards

Cash back credit cards allow you to earn a certain percent—typically ranging from one to five—of the money back every time you make a purchase with the card. Some issuers will pay this amount annually, while others pay monthly.

Benefit: Find a card that allows you to customize where you get your cash back. For example, certain cards allow you to earn five percent cash back in a store category of your choice.

Example: Chase Freedom Unlimited®

9. Retail Credit Cards

Retail or store credit cards are offered by specific businesses and can only be used to make purchases with that store. While these cards aren’t ideal for everyday purchasing needs, they’re a great way to earn generous rewards with stores that you frequently shop at. There are over 300 store credit cards available, from Walmart and Target to Lowe’s and JCPenney. 

Benefit: Store cards typically don’t charge annual fees, don’t require excellent credit and offer substantial first-purchase discounts as well as long-term cash back rewards.

Example: Amazon Prime Store Card

10. Hotel Credit Cards

Hotel credit cards are affiliated with a specific hotel chain and offer rewards on a “points” basis. Typically, they’ll offer some points for purchases made at unrelated businesses such as grocery stores, gas stations and restaurants. But the main attraction is the bonus points earned on eligible purchases made directly with the hotel. 

Benefit: Earn generous sign-up bonuses, rewards when you spend money on hotel bookings and yearly free nights. 

Example: Hilton Honors American Express Surpass® Card

11. Airline Credit Cards

Certain credit cards offer rewards on purchases made with a specific airline, while others allow you to earn rewards with any airline or travel-related expense. These rewards rack up in the form of “miles.” For example, many cards offer two miles for every one dollar spent on flights. 

Benefit: For frequent travelers, airline credit cards are a great way to score free and discounted flights.

Example: Delta SkyMiles® Gold American Express Card

12. Gas Rewards Credit Cards

Not to be confused with gas station credit cards—which operate like retail cards—a gas station rewards card offers cash back when you pay at the pump. It can be used anywhere, but you’ll enjoy bonus rewards at gas stations.

Benefit: Earn up to three to five percent cash back on gas purchases, often with no annual fee and a zero percent introductory APR. 

Example: PenFed Platinum Rewards Visa Signature® Card

13. Charge Cards

Charge cards operate in exactly the same manner as regular credit cards, except for one major caveat: you must completely pay off the total balance each month. Failure to do so results in late fees and penalties and will cause a drop in your credit score. On the flip side, they typically come with sizable initial bonuses and rewards.

Benefit: Enjoy higher credit limits and generous point systems—oftentimes offering up to five points per one dollar spent.

Example: ThePlatinum Card® from American Express

Cards for People With Bad Credit

If you’re struggling to get approved for credit cards, loans or other lines of credit because of bad credit, don’t be discouraged. There are credit cards with terms designed specifically for those with poor credit. 

Approximately 12% of Americans have a FICO score below 550.

14. Secured Credit Cards

Most credit cards are unsecured. This means that you are not required to put up a security deposit. Secured cards, on the other hand, require an up-front payment to act as collateral in the event that you can’t pay your balance. Credit card issuers see borrowers with bad credit scores as riskier, so this deposit helps mitigate some of that risk. 

Benefit: Secured cards give borrowers with poor credit access to credit when they otherwise wouldn’t be able to qualify for a card.

Example: Capital One® Secured Mastercard®

15. Prepaid Cards

Prepaid cards aren’t technically credit cards, because they don’t involve borrowing money. Instead, a cardholder loads a set amount of money onto the card, and purchases are subtracted from the card’s balance, similar to a gift card. The spending limit then renews if and when the card is reloaded. 

Benefit: Prepaid cards help you stay within a budget and avoid getting into credit card debt.

Example: American Express Serve® FREE Reloads

What Type of Credit Card Is Best?

Ultimately, the decision for which card to get is up to your personal preferences and financial goals. However, there are a few good rules of thumb when looking for the best credit cards. Remember to read the terms and conditions carefully before signing up. Generally, cards with any of the following perks may be worth pursuing:

  • Zero percent introductory APR
  • Low APR after the introductory period
  • Sign-up bonus
  • Solid rewards or cash-back program
  • No annual fee

All of the different types of credit cards may seem daunting at first, but once you understand the unique benefits of each one, you’ll be able to find a card that fits your needs. Remember that—regardless of credit card type—good credit management is the key to keeping your credit healthy. After years of on-time payments, low credit utilization, a good mix of credit and few hard inquiries, you’ll be well on your way to your best score yet.


Reviewed by Kenton Arbon, an Associate Attorney at Lexington Law Firm. Written by Lexington Law.

Kenton Arbon is an Associate Attorney in the Arizona office. Mr. Arbon was born in Bakersfield, California, and grew up in the Northwest. He earned his B.A. in Business Administration, Human Resources Management, while working as an Oregon State Trooper. His interest in the law lead him to relocate to Arizona, attend law school, and graduate from Arizona State College of Law in 2017. Since graduating from law school, Mr. Arbon has worked in multiple compliance domains including anti-money laundering, Medicare Part D, contracts, and debt negotiation. Mr. Arbon is licensed to practice law in Arizona. He is located in the Phoenix office.

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Source: lexingtonlaw.com