There’s a saying that you should always read the fine print, and the same applies when it comes to a gym membership. If you’ve been thinking about joining Planet Fitness, here’s an explanation of how much a gym membership costs, what perks are included and the fine print to keep in mind.
What is Planet Fitness?
Planet Fitness is a gym with over 2,500 fitness centers. The chain provides a range of fitness equipment and services people can use to exercise and meet fitness goals.
How much does a Planet Fitness membership cost?
Planet Fitness has two main membership tiers: the Classic and the PF Black Card. Before signing up, keep in mind that you may be required to commit for 12 months. You must be a minimum of 18 years old to enroll, but 13- to 17-year-olds can join with a parent or guardian.
When considering the cost of a Planet Fitness membership, keep in mind that there is an annual fee of $49. You pay the annual fee in addition to the monthly membership fees.
Classic membership
This is the basic membership, and it starts at $10 a month before taxes and fees. You get unlimited access to your home club but can’t go to other locations. Perks include access to Planet Fitness app workouts and partner rewards and discounts.
The Classic membership may be ideal for people who are likely to go to the same gym each time they work out. It may also be good for people who just want to put their head down and exercise and don’t need extras.
PF Black Card membership
This is the second tier Planet Fitness offers, and there are far more perks. The PF Black Card membership starts at $24.99 a month before taxes and fees and comes with all the benefits mentioned above and more, including:
The ability to bring one guest.
Access to any Planet Fitness gym worldwide.
Access to equipment like tanning, massage chairs and hydromassage.
Use of Total Body Enhancement, a machine that combines red light therapy and vibration to produce various health and cosmetic benefits.
50% off select drinks.
Premium access to partner rewards and discounts.
If you have a sporadic schedule or travel often, this tier may be ideal since you’ll have access to multiple branches. People who enjoy having a workout buddy could also benefit since you can bring a plus one. Likewise, if you live with someone, be it a partner or roommate, you could split the cost of the gym membership and save a few extra dollars.
You can upgrade your membership from Classic to PF Black Card online or ask for assistance when you’re at the gym. Downgrading is also possible, but you’ll have to do that in person.
Also, if you usually use your credit card for payments to get those extra benefits, note that most Planet Fitness branches accept payments through checking accounts only.
Other perks that come with a membership
There are multiple amenities members can enjoy at Planet Fitness. These perks are available to all members, whether they’re at the PF Black Card or Classic.
Free fitness training
Some people want to use a personal trainer but can’t afford to because it’s not within their budget. Planet Fitness has a competitive edge there since they offer free fitness training. And you don’t have to be a PF Black Card member to access the training.
Trainers can be used as often as you need them. The first step is to sign up through the Planet Fitness mobile app or on your gym’s website. If you’d rather do it in person, go to the front desk at your local fitness location to sign up.
Customized workout plan
Some people feel overwhelmed when they’re in the gym because they aren’t sure which workouts or equipment will help them reach their fitness goals. Planet Fitness offers customized workout plans for all members that include a meeting with a certified trainer to chat about fitness goals, medical background and exercise history.
Group training sessions and group classes
Working out with others can be more motivating than working out alone. Planet Fitness offers group training sessions for members, including classes for upper and lower body, core and stretching.
Sign up for group training sessions online using the pre-booking feature or show up at class time to see if there’s space available. Every Planet Fitness location offers between 11 and 14 small group training sessions per day, which means you might be able to catch one even if you’re working 9 to 5.
Free Wi-Fi
It can be nice to have access to Wi-Fi at the gym to watch a show while on the treadmill or follow along to a fitness video. All Planet Fitness members and guests have access to free Wi-Fi, in case that’s an important perk for you.
Gym workouts via the Planet Fitness app
On days you can’t make it to the gym, members have access to a range of free workouts on the Planet Fitness app. These workouts can also be helpful for people who don’t know what exercises to do at the gym and want to follow along to a workout solo.
Referral program
Looking to save money on your gym membership? Planet Fitness has a referral program that can cut up to three months of membership fees each year. You get a free month for each person you refer who joins, but there’s a cap of three people. The referred friend can also join with $1 down and no commitment, which gives them flexibility in case they decide Planet Fitness isn’t for them.
How to cancel a Planet Fitness membership
There isn’t a uniform way to cancel a Planet Fitness membership — the cancellation process is different at each club. For most locations, you’ll have to go in person and cancel the membership, although there are a few that allow you to cancel by mail or online. For some people, this is a hassle, so that’s something to consider before signing up.
Another detail that could impact your cash flow is the timing of your cancellation. To avoid being billed the annual membership fee, you need to cancel by the 25th of the month prior to the annual fee date. Also, those who cancel before they’ve completed their minimum commitment will pay a $58 buyout fee.
Be mindful of these cancellation clauses. It can be easy to repeatedly forget to cancel your membership and end up paying for a membership you aren’t using.
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New York and the surrounding metropolitan area are big enough to accommodate three nearby airports, namely New York-John F. Kennedy, New York-LaGuardia and Newark Liberty International Airport.
The latter airport, Newark, is actually located in neighboring New Jersey, but it’s still relatively convenient for those who are looking to fly from New York City to elsewhere. And nothing makes travel better than a premium airport experience — especially when it comes to lounges.
Let’s take a look at Newark’s airport lounges, where they’re located and the hours that they keep.
About EWR lounges
Newark airport (EWR) is a major international airport with a variety of lounges. This includes lounges from domestic airlines such as United Airlines and American Airlines as well as options from international carriers like British Airways and SAS.
The Newark airport lounges are spread across all three of its terminals, which means you should have access to a lounge no matter where you’re flying.
Terminal A: United Club, Delta SkyClub and Admirals Club
Newark is a hub for United Airlines, which is while you’ll spot multiple versions of its Club lounges throughout the terminals.
United Club
Across from gate A27 on the upper level.
Open daily 5 a.m. to 9:15 p.m.
Must present a boarding pass to enter.
Access is available to those with lounge memberships, those flying in an international premium cabin on a United or Star Alliance flight, those with a day pass, active duty military and those with United or Star Alliance elite status on an eligible international flight.
Along with complimentary food and beverages, guests of the United Club in Newark can enjoy a relaxing place to rest before their flight.
American Airlines Admirals Club
Across from Gate A8 on the mezzanine level.
Open 4 a.m. to 8 p.m. on Tuesday and Saturday, and 4 a.m. to 8:30 p.m. all other days.
Must present a boarding pass to enter.
Open to those with lounge memberships, those flying in an international premium cabin, those with a day pass ($79 or 7,900 AAdvantage miles), active duty military, those with American or Oneworld elite status on an eligible international flight and qualifying AAdvantage credit card holders.
The American Admirals Club in Newark features all your standard amenities such as snacks, a full-service bar, TVs, Wi-Fi and conference rooms.
Delta SkyClub
Near gate A8.
Open daily 5 a.m. to 6:30 p.m.
Must present a boarding pass to enter.
Open to those with lounge memberships, those flying in an international premium cabin on Delta or SkyTeam flights, those who hold eligible credit cards and those with Delta or SkyTeam elite status on an eligible international flight.
The Delta SkyClub in Terminal A opened in 2023 and offers passengers access to a buffet, premium bar, semi-private workstations and ample seating options.
Terminal B: British Airways Lounge, SAS Lounge and USO Center
Newark’s Terminal B is where most international flights will depart, so it makes sense that you’ll find lounges from overseas airlines here.
British Airways Lounge
Near gates B50 to B58.
Open daily from 5 a.m. to 8 a.m. and 3 p.m. to 10:45 p.m.
Must present a boarding pass to enter.
Open to those flying in an international premium cabin and those with Executive Club or Oneworld elite status on an eligible flight.
The British Airways Lounge in Newark provides a pre-flight dining area for those on evening flights, along with an all-day self-serve buffet, a staffed bar, separate workstations and showers.
SAS Lounge
Near gate B60.
Opens one hour before the first SAS flight and closes 30 minutes after the last SAS flight departs.
Must present boarding pass.
Open to those flying in an international premium cabin on an SAS flight and those with EuroBonus or Star Alliance elite status on an eligible flight.
The SAS lounge offers a self-serve buffet, bar, free Wi-Fi, a phone room and a guest office.
USO Center
Level 2 Door 9, outside security.
Open daily from 10 a.m. to 6 p.m. Hours may be extended from 6 a.m. to 10 p.m. when volunteers are available.
Open to active duty, guard and reserve members of the military as well as their dependents.
USOs provide a nice place for service members to relax before or after their flights. You’ll typically find snacks, comfy chairs and even video games in a USO center.
🤓Nerdy Tip
Military members can get the annual fee waived on The Platinum Card® from American Express. This gets active duty members access to even more luxe travel benefits and lounges. Terms apply.
Terminal C: United Club and United Polaris
Terminal C only operates United flights and therefore only offers United lounges. That said, the lounge you’ll be able to visit will depend on what kind of United ticket you have.
United Club
Near Gate C74.
Open daily from 5 a.m. to 10:30 p.m.
Must present a boarding pass.
Access is available to those with lounge memberships, those flying in an international premium cabin on a United or Star Alliance flight, those with a day pass, active duty military and those with United or Star Alliance elite status on an eligible international flight.
United Club
Mezzanine level, near Gate C123.
Open daily from 5 a.m. to 10:30 p.m.
Must present a boarding pass.
Access is available to those with lounge memberships, those flying in an international premium cabin on a United or Star Alliance flight, those with a day pass, active duty military and those with United or Star Alliance elite status on an eligible international flight.
In addition to food and drinks, guests can take advantage of showers and semi-private workstations at this lounge location.
United Polaris
Between gates C102 and C120.
Open daily from 5 a.m.to 10 p.m.
Must present a boarding pass.
Open to those flying United Polaris or Star Alliance international first or business class flights.
The United Polaris lounge in Newark is available exclusively to those flying international premium cabins — and it shows. You’ll find high-end food, nap pods, showers, private dining and more at these lounges.
Lounge access for United cardholders
Travelers who hold certain United co-branded credit cards can benefit from the airline’s strong lounge presence at Newark. The following cards can get you into any of the airport’s United Club lounges:
United℠ Explorer Card
on Chase’s website
United Club℠ Infinite Card
on Chase’s website
United℠ Business Card
on Chase’s website
United Club℠ Business Card
Details
Annual fee:$0 intro for the first year, then $95):
Lounge access: Two one-time United Club passes after account opening and each year for your cardmember anniversary.
Annual fee:$525.
Lounge access: Primary cardholders get a United Club membership.
Annual fee:$99:
Lounge access: Two one-time United Club passes after account opening and each year for your cardmember anniversary.
Annual fee:$450.
Lounge access: Primary cardholders get a United Club membership.
Still not sure?
Final thoughts on the lounges in the Newark airport
Newark airport has its fair share of lounges, especially if you’re flying on United Airlines. All three of Newark’s terminals feature airport lounges, which improves your odds of boarding your next flight out of EWR feeling full and fresh.
Day passes are available in Terminal A and Terminal C for eligible flyers, and certain co-branded airline credit cards can get you access, too.
The information related to the United Club℠ Business Card credit card has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card.
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Orlando is home to the “most magical place on Earth” — Walt Disney World Resort — which makes it a popular destination for tourists. With so many people visiting the local theme parks, attractions and restaurants, the airport can get very crowded.
Enter Orlando’s airport lounges, which can provide a sanctuary from the throngs of travelers while you enjoy complimentary beverages, snacks and other benefits.
Learn more about which Orlando airport lounges are available, where they’re located and how you can get in.
About the lounges at Orlando airport
Currently, there are seven airport lounges spread across all three terminals at Orlando International Airport. Other than the USO Lounge, each lounge is located inside airport security, which means that you must have a valid ticket to visit them.
Admission to these lounges varies based on ticket type, elite status or which credit card you hold. In some cases, you may even be able to purchase a day pass to enjoy lounge benefits.
Terminal A
Orlando’s Terminal A has limited airport lounge options, though may be the most versatile. Its Priority Pass lounge is ideal for travelers because access isn’t limited to a specific airline. Plus, Terminal A has the USO lounge, which offers exclusive access to active duty military.
The Club at MCO Lounge
Location: Terminal A, adjacent to XpresSpa near Gates 1-29.
Opening hours: Daily from 5 a.m. to 10 p.m.
Lounge amenities
The Club at MCO Lounge Orlando Airport offers complimentary snacks, beverages and Wi-Fi. It does not have premium food or spa services, but guests can take advantage of its complimentary showers.
How to enter the lounge
Since there are two The Club at MCO lounges at Orlando’s airport, access is restricted based on which gate you’re flying out of. This The Club lounge is available to travelers departing from Terminal A Gates 1-29 and Terminal B Gates 30-59. All others must visit the other location.
Visitors can access the lounge beginning three hours before departure. To enter, purchase a day pass for $50 from The Club website or use your Priority Pass benefits.
USO Welcome Center Lounge
Location: Terminal A, outside of security on Level 1.
Opening hours: Daily from 8 a.m. to 8 p.m.
Lounge amenities
The USO Welcome Center Lounge offers complimentary non-alcoholic beverages, coffee, tea and snacks. Visitors can access free Wi-Fi and enjoy DVDs and multiple video game systems. It includes a children’s play area, sleeping quarters and quiet areas, plus a library.
How to enter the lounge
USO lounges are available to active duty members of the U.S. Armed Forces, Reserves and Guard, plus their immediate families. Admission is not available to military retirees, disabled veterans and others who have previously served in the military.
Terminal B
Terminal B is where you’ll find the lounges for the major domestic airlines. Travelers must have elite status, a qualifying ticket, a lounge membership or a day pass to enter. If you don’t qualify, the Priority Pass lounge is another option.
American Airlines Admirals Club
Location: Terminal B, near Gate 55
Opening hours: Daily from 4 a.m. to 8 p.m.
Lounge amenities
Inside this Orlando airport lounge, travelers can enjoy complimentary snacks and drinks, including a full-service bar. This location does not offer conference rooms for visitors. Guests can also use the complimentary Wi-Fi to access the internet to check email, stream shows or browse the internet.
How to enter the lounge
Complimentary entrance to the Admirals Club in Orlando is available to club members when flying on American Airlines or one of its partners.
Additionally, you receive free entrance if you have a ticket for a first or business class international, transcontinental or other domestic flight by American Airlines or a Oneworld airline.
Elite status members of a Oneworld airline with Emerald or Sapphire status can also enter the lounge for free with any ticket for American or a Oneworld partner.
Citi® / AAdvantage® Executive World Elite Mastercard® provides complimentary access to Admirals Club lounges when flying on any American or Oneworld flight. This card also provides complimentary access to immediate family members or up to two guests who are also flying on American or a Oneworld partner.
Day passes are capacity-limited, but available for purchase online or on-site for $79 (or 7,900 AAdvantage miles) when flying on American or a Oneworld partner flight.
U.S. military personnel traveling in uniform are offered free admission to Admirals Club lounges when flying American; these guests may also bring their immediate family or up to two guests.
Delta Sky Club
Location: Terminal B, near Gate 71.
Opening hours:
Open 4:30 a.m to 9:45 p.m. on Monday, Tuesday, Thursday and Friday.
Open 4:30 a.m to 10:45 p.m. on Wednesday, Saturday and Sunday
Lounge amenities
The Sky Club in Orlando offers complimentary snacks, beer, wine, spirits and liquor. Guests can also enjoy free Wi-Fi during their stay. It does not have showers, premium food or conference rooms.
How to enter the lounge
Delta Sky Club members can access the lounge when flying Delta or one of its partners, unless they purchased a basic economy ticket.
Purchasing a domestic or international Delta One ticket provides complimentary entrance to the Sky Club. Additionally, if you’re flying on an international first or business class partner flight, you receive free entry.
Delta Medallion elite status provides free access based on the type of ticket purchased. Diamond, Platinum or Gold members can enter the lounge for free when flying Delta Premium Select internationally or on any Delta One flight. One guest can accompany the member if they have the same class of ticket.
SkyTeam Elite Plus members can access Sky Club lounges for free on a SkyTeam international flight or on a domestic flight connecting to a same-day international flight.
Those traveling on partner flights not operated or marketed by Delta can access the lounge for $50 per person. Reserve cardholders can bring immediate family members or up to two guests into the lounge for $50 per person.
The Platinum Card® from American Express, The Business Platinum Card® from American Express and Centurion cardholders receive complimentary entrance to Sky Club lounges when traveling on a Delta-operated or Delta-marketed flight operated by WestJet. They can bring up to two guests or immediate family members at a rate of $50 per person. Terms apply.
Delta no longer offers day passes for sale.
The Club at MCO Lounge
Location: Terminal B, near Gate 91.
Opening hours: Daily from 5 a.m. to 9 p.m.
Lounge amenities
In addition to complimentary snacks, spirits, beer and wine, this lounge also offers a children’s area. Guests can use the complimentary shower before departing on their flight. It also includes complimentary Wi-Fi for streaming, browsing the internet and checking email.
The children’s area provides an opportunity for children to burn off energy before the flight while the parents enjoy the lounge’s benefits.
How to enter the lounge
Of the two Orlando airport lounges from The Club at MCO, this one serves passengers departing from Terminal A Gates 100-129 and Terminal B Gates 70-99. Passengers departing from other gates within Terminal A and B should visit the other The Club at MCO Lounge location.
United Club
Location: Terminal B, near Gate 43
Opening hours: Daily from 5 a.m. to 8 p.m.
Lounge amenities
The United Club lounge offers a full-service bar, light snacks and Wi-Fi for free to its guests. The lounge also has a children’s area for young guests and their parents. A conference room is available for an additional fee for travelers needing to conduct business.
How to enter the lounge
There are many ways travelers can gain access to this United Club lounge. Passengers on United Polaris or business class international or transcontinental flights receive complimentary admission, as can those flying first or business class on a Star Alliance member airline.
Star Alliance Gold members also have access to United Club lounges when traveling on an international flight by any Star Alliance airline.
Travelers can also purchase a United Club membership using cash or by redeeming miles. The price starts at $550 or 75,000 miles per year and varies based on your elite status level.
United Club℠ Infinite Card includes a complimentary United Club membership. With this membership, you and your eligible travel companions can enter these lounges for free whenever you fly on United or a partner airline.
United also offers free admission to active U.S. military personnel traveling on United. This includes those dressed in uniform, on leave orders or traveling on rest and recuperation papers.
Terminal C
The only airport lounge in Terminal C is the Plaza Premium Lounge. Travelers can access this lounge with qualifying credit cards regardless of which airline they’re flying.
Plaza Premium Lounge
Location: Terminal C, on the second floor overlooking Palm Court.
Opening hours: Daily from 7 a.m. to 9 p.m.
Lounge amenities
The Plaza Premium Lounge at Orlando International offers complimentary draft beer, food and Wi-Fi. Guests can also use its “luxury washrooms with spa-like shower facilities” to freshen up when they arrive or before their flight departs.
This lounge also offers an entertainment space for families, including a turtle drop game and a curated Orlando Storytelling Wall.
How to enter the lounge
Plaza Premium lounges partner with many major banks to offer complimentary access for travelers. However, it is not included with Priority Pass membership.
Eligible cards for this airport lounge in Orlando include:
Travelers can also book a day pass online through the Plaza Premium website. Price may vary based on when you’re traveling, how many are with you and how long you stay. A three-hour visit in April 2024 is available for $69.18 per person.
🤓Nerdy Tip
If you’re buying a day pass, you can save money by purchasing a multi-visit pass ranging from two, five or ten days.
The bottom line
Whether it’s your final destination or you’re on a layover before your next flight, Orlando airport lounges offer an escape from the noise inside the terminal.
How to maximize your rewards
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The Plumeria Lounge is one of two Hawaiian Airlines lounges at Honolulu’s Daniel K. Inouye International Airport. It’s available to Priority Pass members, as well as to select Hawaiian Airlines business and first class travelers, plus frequent fliers with Hawaiian Airlines’ Pualani Platinum elite status.
Unlike the tropical paradise you’ll find elsewhere on Oahu, this lounge is more like an oasis of beige. It has some snacks, but don’t arrive seeking a feast. If all you need is a comfy chair, a place to charge your devices and a brief escape from the pre-flight pandemonium, the Plumeria Lounge is just fine.
Here’s what it’s like inside:
Spaces to relax and work
The design of the Plumeria Lounge is bland, though not bad. Prepare your eyes for a steady color palette of beige on beige.
There are a few types of seating options, including counter seating, table seating, booths and armchairs. Most have access to power outlets. The Plumeria Lounge also has a strong, lounge-exclusive Wi-Fi network, so it should be easy to get connected before your flight.
Food and drink at the Plumeria Lounge
Some people judge lounges based on the food offerings. At Honolulu’s Plumeria Lounge, the food is solidly mediocre and spare. There is a self-service buffet with complimentary light snacks.
Expect some apples, cheese, small sandwiches and soup.
There are also a few types of prepackaged snacks such as pretzels and gummies. Delightfully, though, there are cookie jars with Hawaiian desserts including Honolulu Cookie Company shortbread and Mele Macs macadamia nuts.
There’s a coffee maker for lattes and espresso, as well as a standard drip coffee dispenser. A soda fountain nearby offers standard soft drinks.
The alcoholic beverages are also self-serve. There are wine bottles on the counter, so you can pour yourself a glass. Or you can grab a beer from the fridge.
Bathrooms
The bathrooms were quite clean. However, during our visit in December 2023, one of the three women’s bathroom stalls was out of service.
There are some nice touches, including colorful flowers and complimentary feminine care products.
How to get into the Plumeria Lounge at HNL
Plumeria Lounge access is offered to:
Business class guests departing Honolulu to Japan, South Korea, Australia or New Zealand.
First class guests departing Honolulu to New York or Boston.
Pualani Platinum elite status holders departing Honolulu to Japan, South Korea, Australia or New Zealand. These travelers may bring one guest.
All other Hawaiian Airlines passengers who purchase a day pass.
Priority Pass members.
Cards with Priority Pass access
The Platinum Card® from American Express
Capital One Venture X Rewards Credit Card
Marriott Bonvoy Brilliant® American Express® Card
Hilton Honors American Express Surpass® Card
U.S. Bank Altitude™ Reserve Visa Infinite® Card
Annual fee
Priority Pass benefits
Full Priority Pass Select membership. Enrollment required. Terms apply.
Full Priority Pass Select membership. Includes two guests per visit. No restaurants.
Full Priority Pass Select membership. Enrollment required. Terms apply.
10 complimentary Priority Pass lounge visits per year. Enrollment required. Existing cardholders who enrolled in Priority Pass on or before Jan. 31, 2023 will no longer have a membership as of Feb. 1, 2024. Cardholders who enroll between Feb. 1, 2023 and Jan. 31, 2024, will continue to have membership through Oct. 31, 2024. Terms apply.
Eight free Priority Pass lounge visits per year.
Learn more
As a Priority Pass member, you don’t need to fly on Hawaiian Airlines to access the lounge, but you will have to show a same-day boarding pass with an outbound departure from the HNL airport.
🤓Nerdy Tip
The Plumeria Lounge uses a waiting list for Priority Pass members, so access isn’t guaranteed if the lounge is busy.
Purchasing a Plumeria Lounge day pass
You can purchase a day pass either as a walk-in directly upon arrival at the lounge or beforehand during check-in.
The general admission price is $40, though there are discounts for passengers with Pualani elite status. Day passes for Pualani Gold cost $30 and Pualani Platinum can purchase day passes for $25.
Though, don’t try buying a day pass if you’re flying out of Honolulu on any other airline. You must present a same-day Hawaiian Airlines boarding pass to be able to purchase a day pass.
Getting to the Plumeria Lounge inside HNL
The Plumeria Lounge is located in Terminal 1 on the third level.
Honolulu Airport has two terminals, Terminal 1 and Terminal 2. Both are connected post-security, which makes it possible to access the Plumeria Lounge even if you’re flying out of Terminal 2, but it could be a long walk. You also could take the Wiki Wiki Shuttle between the terminals.
Other HNL lounges to consider
Honolulu’s other Priority Pass Lounge is the I.A.S.S. Hawaii Lounge. It’s adorned with colorful walls, plumeria print chairs and a view of lush plants outside. It might be more aesthetically appealing, but the snacks at the I.A.S.S. lounge are almost nonexistent, so if you prioritize complimentary food, the Plumeria lounge is the better choice.
Is the Plumeria Lounge Honolulu worth it?
The Plumeria Lounge is hardly making any lists of best airport lounges. But if you received complimentary access anyway (by purchasing a premium airfare or having a Priority Pass membership), then it’s tough to complain about this lounge.
The food isn’t fancy, but few airport meals are. You’ll have a place to set down your bag. And don’t overlook the unlimited supply of coffee, soda and other drinks. The Honolulu Cookie Company shortbread treats are tasty, too.
As far as whether it’s worth purchasing a day pass, that’s a tougher decision. If you’ll otherwise purchase multiple adult beverages elsewhere in the terminal, then that might end up justifying a good chunk of the $40 day pass fee right there. If you’ve got a long layover, a delayed flight or just got to the airport way too early, then it might be easier to justify the day pass simply given how many more hours you’ll get out of your stay.
Sure, you’d much rather be lying on the beach in Waikiki. But, if you’re stranded in the Honolulu Airport, then the Plumeria Lounge has some complimentary food and drinks to help pass the time, but not much else.
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A credit card number is the specific number attached to your credit card. It includes a major industry identifier number, your account identifier, and a checksum.
The number on your credit card is more than a passcode to payments when you swipe your card. Many of the digits have a specific meaning. Find out what a credit card number is, what it means, and why it matters.
What Is a Card Number?
A credit card number is a unique number that helps identify your account and card. This number makes it possible for you to pay with the card and for money to be taken out of the right account.
Think about it similarly to your checking account number. Your personal checks are printed with a specific series of numbers. First is the routing number, which indicates which bank the check draws on. Next is the account number, which tells which account the money should come from.
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Credit card numbers work the same way. Each part of that long number has a specific function. These are standardized by the International Organization for Standardization (ISO).
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Your credit card number is often located on the front of your card above your name, but it may also be located on the back, depending on your card’s style.
What Do Credit Card Numbers Mean?
You can break each credit card number into sections, and each section reveals specific information about the account.
Industry Identifier
The first six to eight digits reveal the credit card network and the card’s industry.
The first digit in any credit card number tells you what type of card it is—Visa, Mastercard, Discover, or Amex. Card numbers of each type always start with the same number:
3: American Express or cards under the Amex umbrella
4: Visa
5 or 2: Mastercard
6: Discover
American Express goes even further by starting card numbers with either 34 or 37, depending on the secondary branding on the card.
If your credit card number starts with any other digit, it refers to the industry that issues the card:
1 – 2: Air travel and financial services
7: Petroleum
8: Health care and telecommunications
9: Government and other industries
That first digit plus the next five in the credit card number is called the Issuer Identification Number (IIN) or Bank Identification Number. This identifies the credit card company and its network, similar to the bank routing number on a personal check.
In some cases, the IIN may be eight digits. To allow for more IINs to support growing needs, the ISO is requiring the financial industry to move to eight-digit IINs.
Account Identifier
The rest of the digits identify the account and cardholder information. This portion of your credit card number changes if your card is lost or stolen and you need a new card.
Within the account identifier, the last four digits are particularly important to you. If you save a credit card in an online account or other database, the information has to be encrypted. Employees of that company can’t just look up accounts and see full credit card information. They’re usually only able to see the last four digits.
You might be asked to confirm those numbers to ensure the right card is being charged. You might also be asked to confirm them when buying something online with a saved card number to ensure you’re really you and not someone who’s hacked into an account.
You can’t tell a credit card number by the last four digits. However, you could find a credit card you’ve saved in an account, such as on Amazon, by the last four numbers. Those are the only digits you’ll be able to see when you look at the saved payment methods in your account.
Checksum
The final digit is the checksum. Sometimes called the check digit, it is a way to verify the validity of a credit card using the Luhn algorithm.
Here’s how it works:
Starting from the first number of your credit card number, double every other digit.
If doubling results in a two-digit number, add those two digits together.
Add up all the doubled numbers.
The credit card number is valid if the number you reached in step three is divisible by 10.
Vendors use this algorithm to determine whether or not your credit card number is valid when you type it in online.
How to Protect Your Credit Card Number
Credit card fraud impacted nearly half a million consumers in 2022 and is the most common type of identity theft. Sadly, scammers can get your credit card number in many ways:
ATM skimming: People install credit card skimmer devices on public card terminals such as gas stations or outdoor ATMs. These devices store the data on your credit card’s magnetic strip for scammers to download and use.
Data breaches: There were more than 2,800 data breaches in 2023. A data breach occurs when secure data is accessed through unauthorized means, often because of a hacker. The largest data breach occurred in 2013 and involved the unauthorized access of more than three billion records.
Discarded documents: While bills and statements often don’t include your full credit card number, people may be able to gather enough information to determine your credit card number.
Phishing: These scams are fraudulent emails, texts, or phone calls that try to convince you to share your personal information to verify your identity.
Public Wi-Fi: Free public Wi-Fi is convenient but often unsecured. Hackers may be able to access your data through spyware or ransomware.
To protect your credit card information, take the following steps:
Avoid using public Wi-Fi when making online purchases or accessing account information.
Shred documents related to your credit card and always cut up old cards.
Don’t give out your account information.
Use strong passwords.
Enable two-factor authentication for your accounts.
Don’t give out personal information over the phone or online without verifying the validity of the request.
Use a virtual card number, which is a unique number connected to your actual credit card number.
Monitor your credit card statements carefully.
Monitor your credit score regularly with Credit.com’s Credit Report Card.
Credit Card Number FAQ
Below you’ll find additional information about credit card numbers.
How Many Numbers Are in a Credit Card?
Typically, credit card numbers are 16 or 15 digits. Only American Express uses the 15-digit format. Around 2020, Visa started issuing some cards with 19-digit card numbers, which aren’t typical in the United States.
What Other Numbers Are on a Credit Card?
You’ll also find a few other numbers on your credit card:
The expiration date: Every few years, credit card issuers will send you a new card for security reasons. This expiration date may be on the front or back of your card and is formatted with two digits for the year, a slash, and the last two digits of the year. For example, if your card’s expiration date is May of 2030, the expiration date would read 05/30. In this case, the card would stop working on May 31, 2030.
Card verification value (CVV): The security code, called a card verification number, is typically a three- or four-digit code on the back of your card. Vendors ask for it whenever they do not physically see your card, such as when you make a purchase online or over the phone.
Finding the Right Credit Card
Before applying for a new credit card, determine what kind of credit card you should get. For example, if you want to maximize rewards, you may want a cash-back card with perks that match your budget. If you’re looking to build credit, you may need to apply for a secure credit card that’s easy to get with lackluster credit.
To understand what options might be right for you, check your credit. This helps you know what type of credit card you might be approved for. Next, educate yourself about applying for a credit card online. Review options that seem appropriate for you and pick the best one—you can get started in our credit card marketplace. Then, gather all the information you need and apply.
It’s not uncommon to hear the words “apartment building” and “apartment community” used interchangeably for this type of dwelling unit. In this article, we’ll look at the difference and explore the features that make up an apartment complex.
What is an apartment building?
An apartment building is a complex full of apartment residences. It’s simply the physical structure built by property developers.
Apartment buildings are more than simply homes, though. They contain many important rooms and features that are essential to running the complex.
What are the features of an apartment building?
When you move to a new apartment, you’ll have to get to know your neighbors and the apartment community you’re joining. Here’s what you can expect to see at a typical apartment complex or building.
Leasing office
The leasing office is where the administrative tasks happen. It’s the office that your property manager works in and where you can find leases, maintenance requests and other important documents. The leasing office is also where a resident can go if they have any issues with rent or are in need of other services surrounding living units.
Stairwell
If your apartment building has more than one floor, the building will have a stairwell to get to the ground level. These stairwells are typically located along the edge of the building, at the end of the hall. Buildings will also have elevators as an accommodation for those who cannot use the stairwells in apartments.
Curbs
The curbs surrounding apartment buildings should be well maintained and not coming apart. These will create space between the sidewalk and the road, so you can walk safely.
When you’re parking, be sure to look at the color of the curb. Concrete curbs painted red or yellow are often no-parking zones.
Street lights
Apartment complexes contain many street lamps that come on at night. This way, you can safely walk from your car to your apartment building.
Parking spaces
Apartment buildings usually have designated parking for residents and guests. If you are assigned a parking spot, it will likely have a number painted on the space so it’s easy for you to find. Apartments in major cities or urban areas usually charge an additional fee for parking.
Every apartment building will also have a few handicapped parking spaces near the complex. Parking in these spots requires a handicapped parking plaque or license plate. These spots are reserved for people who have mobility difficulties.
Patios and balconies
Patios are attached to ground-floor apartment buildings. Usually, they’re a concrete slab on which you can put outdoor furniture and plants.
If you live on an upper level, you might have a balcony which gives you some outdoor space. Even if your patio or balcony is very small, there are ways to decorate it so that you can relax and enjoy some fresh air on a nice evening.
Dumpster
The dumpster is where people who live in the apartment buildings can drop off their bagged garbage.
Dog waste bags
If your apartment allows for pets, they may provide dog waste bags. These bags are for your pet’s waste when you take them outside and put the trash in the dumpster when you’re finished.
Key card
Your key card is an electronic card that will unlock many of the common rooms and entrances of the apartment building. Examples include the security gate and fitness center. These are only issued to residents and staff and are a part of the building design to keep residents safe.
Electronic gate
The electronic gate is located at the entrance of the parking lot. These are in place for your security so only people allowed to come to the apartment can enter.
What is an apartment community?
While an apartment building provides you with a place to live, an apartment community makes it feel like home. A community is alive. It’s the residents, pets, guests and staff that live and work in the complex. They’re the friends you’ll make from down the hall and the property manager who maintains your apartment building and unit. They’re the reason you’re glad you rented there instead of somewhere else.
What are the features of an apartment community?
Apartment amenities, in a residential property that encourage people to interact, will make it easier for you to get to know your neighbors and feel like part of the community. If you’re looking to live in a socially active neighborhood, look for an apartment that has some of the following features and amenities that add value to resident life.
Swimming pool
An apartment building’s swimming pool often becomes a community gathering space. In warmer climates, it can be an especially great place to hang out on a warm day.
Fitness center
Many apartment buildings include a fitness center as an amenity, although some charge a monthly fee to use the equipment. The fitness room is for residents only and requires a key card to get in. They include things like free weights, treadmills, ellipticals and stationary bicycles.
Instead of paying for a monthly gym membership and spending time driving to the gym, you can exercise in your apartment building and perhaps get to know some of your neighbors.
Clubhouse
This is a common room in upscale apartment complexes. It will likely have a TV, a small kitchen, tables, chairs and possibly some game tables like pool or darts. Often, the property manager will allow a tenant to rent this room out for parties or special events.
Community lounge
This may be the same thing as the clubhouse. It’s a common area that’s large enough for a group to meet and relax. Some lounges have Wi-Fi and workspaces.
Pet-friendly spaces
Some apartments have designated lawn spaces for dogs and their owners to play. Apartments that offer pet-friendly housing tend to attract pet owners.
It’s easy to find some common ground with other dog lovers, so if you have a playful dog, look for a pet-friendly apartment. Some apartments will even host pet-friendly events in these designated areas, making it a great social activity for tenants (and their furry friends)!
Find an apartment building and community to suit your personality
All apartment buildings have different amenities and newer apartment listings are adding some cool modern spaces to woo new tenants and enhance resident life.
While modern features are great, to make new friends and become a part of the community, it’s important to spend some time talking to the residents before signing a lease.
Find your next apartment community here!
No matter where you’re looking to live, the perfect place awaits, where you can find a community to live, work and play as one of the perks that come with apartment living. Start with our extensive listing of apartment buildings and communities here.
Wesley is a Charlotte-based writer with a degree in Mass Communication from the University of South Carolina. Her background includes 6 years in non-profit communication and 4 years in editorial writing. She’s passionate about traveling, volunteering, cooking and drinking her morning iced coffee. When she’s not writing, you can find her relaxing with family or exploring Charlotte with her friends.
Inside: Are you looking to maximize your rewards and credit card hacks? This guide will teach you the most effective methods for using your hacking, signing up for bonus rewards, and making efficient card purchases.
Credit card use extends beyond just making purchases. Savvy credit card users understand that with the right set of hacks and optimal usage, there’s a world of rewards that are ripe for the picking.
Money saved can be money earned, and this simple philosophy forms the cornerstone of these 25 credit card hacks you’ll be learning about today.
Why do credit card hacks matter? Well, I just received a $700 check for credit card rewards. That is enough to pay for a weekend trip away.
What are Credit Card Hacks?
Credit card hacks are creative strategies employed by credit card users to maximize the benefits and rewards offered by their credit cards while also potentially saving more money.
This trend has become more popular in recent years due to the rise in premium travel and cashback cards that offer lucrative ongoing rewards programs. Users who learn about these hacks can save you money on travel or just put cold hard cash back in your wallet.
With strategic approaches, these hacks provide an avenue to optimize rewards and navigate the financial landscape more effectively.
Proven Credit Card Hacks to Maximize Rewards
Tip #1 – Utilize sign-up bonuses
One of the most attractive features of credit cards is the sign-up bonuses they offer, which are essentially rewards that cardholders can earn after meeting a certain spending threshold within a specified timeframe. The bonuses can range from hundreds to even thousands of points, miles, or cash – favorably impacting your rewards balance.
To illustrate, if you take the Chase Sapphire Preferred® credit card, both partners in a household can get up to 50,000 extra points each as part of the sign-up bonus.
Bonus tip: Stagger your applications, so once one person gets the bonus after meeting the spending requirement, the other person can then apply and achieve the next round of bonuses.
Tip #2 – Increase credit limit
The principle behind this is simply buffering your “credit utilization ratio”, which is how much of your total available credit you are utilizing.
To illustrate how a credit limit increase will work, let’s consider an example: with a credit limit of $10,000 and a credit usage of $3,000, your utilization ratio stands at 30%. But once your credit limit increases to $15,000 with the same credit usage, your utilization ratio drops to 20% – which is a noticeable improvement.
Remember, when requesting a credit limit increase, some card issuers might execute a hard inquiry on your credit report, which could temporarily decrease your score. Hence, you should try to find out beforehand whether your issuer is likely to perform a hard or soft credit pull. Soft inquiries won’t affect your credit score, making them the preferable approach.
Tip #3 – Master balance transfers
A balance transfer, executed proficiently, can be an effective way to handle significant credit card debt. By focusing on reducing the cost of debt through lower interest rates, balance transfer can accelerate your debt repayment process while saving you considerable money over time.
This is what one of my clients did and the date when the 0% interest ended was very motivating to pay off their debt.
This process entails the shuffling of debt from one card (usually one with a high interest rate) to another card—preferably with a 0% promotional APR offer. With this interest-free period, you can focus on repaying the principal balance, hence clearing your debt faster.
As a finance expert, make sure balance transfers are only beneficial if you’re mindful of the terms, like how long your 0% rate will last and what fees are involved in the transfer to the new card.
Tip #4 – Purchase prepaid cards with credit
Need a way to spend a certain dollar amount by a certain deadline? Then, look at purchasing prepaid cards with a credit card as a strategy to earn extra rewards points. This method entails buying prepaid cards or gift cards using your credit card, and later using these prepaid cards to cover those expenses you typically will use.
In other cases, customers have reported that their credit card companies have clawed back rewards points that were initially given for gift card purchases. Double check their terms and conditions, many issuers, including American Express, explicitly exclude such transactions from earning rewards. 1
Tip #5 – Harnessing the 15/3 Methodology
The 15/3 Methodology is a credit card hack that intends to optimize your credit utilization ratio—one of the significant factors that impact your credit score.
Here’s how it works: You pay off a majority of your card’s balance 15 days before your statement date, and then pay off the remaining balance three days before the statement date. By doing this, you create the illusion of a lower balance, which can positively impact your credit score.
There is still a debate about whether or not this strategy improves your credit card score. Paying your bill on time will definitely improve your score.
Tip #6 – Strategies to earn additional rewards through third-party programs
An often overlooked but highly effective credit card hack is utilizing third-party apps and websites that offer additional rewards when you shop at participating retailers and restaurants. These rewards are additional to the cash back, miles, or points awarded by your credit card.
One such app is Dosh, a cashback app. By linking your credit card to your Dosh account, you can earn up to 10% cash back from participating retailers on top of the rewards earned from your credit card. Similarly, apps like Drop and Bumped give users points for every dollar spent, and these points can be redeemed for gift cards.
Furthermore, many airlines and hotels participate in dining rewards programs where you’ll earn extra rewards at select restaurants. Airlines like United, Southwest, Delta, and hospitality giant companies like Marriott and Hilton actively participate in such programs.
Tip #7 – Earn a credit card sign-up bonus then canceling the card right away
Also known as credit card flipping or churning, the tactic of earning a credit card sign-up bonus and then canceling the card right away has been employed by some savvy credit card users to maximize rewards.
However, this practice isn’t as easy or beneficial as it appears. While it sounds like an accessible system to generate easy money, it comes with several potential pitfalls that could make it a risky move.
Firstly, numerous card issuers have, over the years, implemented stricter rules to deter this practice. Chase, for instance, has the 5/24 rule indicating you can have only five new credit cards within the last 24 months. 2
Repeatedly opening and closing the same card can result in a declined application or rescinded bonus and hurt your credit score-perceived as credit misbehavior by the issuer.
It can also be viewed as unethical and potentially lead to you being barred from opening accounts with that issuer in the future.
Churning can negatively affect your ability to get approved for future credit cards and loans because lenders may think you’re a risky borrower.”
Tip #8 – Develop a multi-card system
This method aims to cover all your spending by using different cards that offer elevated rewards for certain purchase categories.
For instance, we have one card that pays an unlimited flat rate of 2% on all purchases. Then, another rewards card offering increased category rewards, with travel and gas. Then a there card that rotates through various categories each quarter.
Diversifying your spending amongst several credit cards can help you to earn the maximum possible rewards. However, endowing yourself with several credit cards is not for everyone as it requires careful financial management. In some cases, the potential of overspending can outweigh the benefits.
Tip #9 – Transfer points between multiple cards
Transferring points between cards (provided they are from the same issuer) is another useful strategy whereby you can redeem them at their maximum possible value.
The goal is to make your spending work for you and maximize the rewards you can earn from daily expenses. However, people should employ this strategy responsibly and ensure they’re not overspending just to earn rewards.
In such a strategy, points on traditional cashback cards can be transferred to airline and hotel partners when you also have a transferable points card like the Sapphire Reserve or Sapphire Preferred. So, not only are you earning cashback on your purchases, but you’re also accumulating lucrative points that can be redeemed for travel.
Tip #10 – Don’t use cash
In the world of credit card rewards, cash is no longer king. Whenever feasible, you should consider using your credit cards instead of cash or debit to pay for everyday purchases. This allows you to earn rewards on purchases you’re making anyway.
The best way to implement this is for you to bills with their credit cards instead of cash or debit and set this up on autopay. This serves a dual purpose of potentially earning rewards on these payments whilst also conveying a positive message to the banks about your money management skills, leading to possible credit score improvements.
However, this method works best when your spending doesn’t increase as a result. Only use your credit card for expenses that you’d normally pay in cash and for which you already have the money set aside to pay.
Tip #11: Time your purchasing
Being strategic about when you make your credit card purchases can help you wring out some extra benefits.
One way to optimize your earning potential and maintain a healthy credit score is to plan your large purchases around your credit card’s billing cycle. Making your most significant purchases immediately after your statement date ensures that you have the longest possible repayment period, effectively offering you a short-term, interest-free loan.
Furthermore, if your issuer has a rewards cut-off at the end of a calendar year, you can make larger purchases ahead of time to push yourself into a higher rewards bracket.
Tip #12 – Make Micropayments
Rather than making one full payment, consider making multiple payments over the billing cycle, commonly referred to as ‘micropayments.’ This helps keep your running balance low and, in turn, your credit utilization ratio – the percentage of your available credit limit you’re using – also low, positively impacting your credit score.
Plus it helps to keep your checking account at a more accurate level.
Tip #13: Have your spouse apply for the same credit card
Known informally as the “two-player mode” amongst credit card hacking enthusiasts, having your spouse or partner apply for the same credit card can be an effective strategy to earn double the sign-up bonus. This approach is based on the idea that instead of just adding your spouse or partner as an authorized user to your card, they should apply separately.
For instance, if a card like the Chase Sapphire Preferred® offers a 50,000 points bonus on sign-up, both partners can potentially earn up to 100,000 points collectively, essentially doubling the bonus.
But remember, this hack should be used strategically – you should stagger your card applications and ensure each of you fulfills the spending criteria to qualify for the bonus.
Tip #14 – Importance of prompt payment
Quite possibly the hack with the most significant impact on both your credit score and your pocket, prompt payment of your credit card bill cannot be overstated.
Making on-time payments can drastically improve your credit score since your payment history is the most heavily-weighted factor that credit scoring models consider.
Plus paying your balance in full each month can help you avoid interest charges and penalties, effectively saving you money in the long run.
Tip #15 – Know What Rewards you Want
Rewards such as travel miles, discounts at partnered retailers, cashback, or access to premium experiences like airport lounges or concert tickets are available, depending on your card.
By understanding and leveraging these varied rewards, you can get the most excellent value out of your credit card expenses.
Cautionary Advice on Credit Card Hacks
While credit card hacks can undoubtedly offer substantial benefits when done right, pitfalls can ensue if one isn’t careful.
Pitfall #1 – Overspending
For starters, these hacks can inadvertently lead to overspending or unnecessary purchases. Be wary of making purchases you don’t need or can’t afford in an attempt to earn more rewards or meet the spend necessary for a sign-up bonus.
Consequently, the pursuit of credit card rewards could also lead to accumulated debt if you’re not diligent about paying off your balance in full each month. The interest that you need to pay on balances carried over can easily eat up the value of any rewards earned.
Pitfall #2 – Impact on your Credit Score
Applying for multiple cards can lead to hard inquiries on your credit report, which can temporarily lower your credit score. Similarly, canceling cards after acquiring the sign-up bonus could harm your credit utilization ratio and your length of credit history, both key factors in your credit score calculation.
Additionally, irresponsible habits like ‘credit card churning’ and ‘paying for everything with credit’ may risk your relationship with card issuers. Some companies might close accounts or even ban individuals from opening new ones if they’re perceived as abusing the system.
While some of the top-tier reward and travel credit cards often come with hefty annual fees, not all of them are worth paying. This is especially true when a card’s annual fees outstrip the value of the rewards earned.
Before you sign up for a credit card with an annual fee, it’s advised to read the fine print and estimate what you can earn from it. You should evaluate whether the perks, bonuses, rewards, and credits offered offset the annual fee cost.
Personally, I don’t use any cards that have an annual fee.
Pitfall #4 – Paying interest
Credit card interest can significantly impact your overall financial health if you’re not careful. The money invested toward paying it off could be better used elsewhere – for saving, investing, or spending on your needs and desires. Hence, one of the best “credit card hacks” out there is to simply stop paying interest.
You want to focus on debt free living.
Pitfall #5 – Avoiding counterproductive habits like “balance surfing”
Balance surfing is a strategy where you continually move credit card debt from one card with an ending 0% APR promotion to another card with a new 0% APR offer. While this approach can potentially delay interest payments, it can become a dangerous cycle if you find yourself simply transferring debt instead of reducing it.
Meanwhile, the total debt remains the same. Without a consistent debt repayment strategy, this method can lead to an endless cycle of balance surfing.
What are some of the best credit card rewards and hacks for 2024?
As we venture into the new year, some credit card reward strategies remain timeless while others evolve in response to new credit card offers and updated reward programs. In 2024, here are some of the best credit card hacks worth considering:
Take Advantage of Updated Card Offers: Credit card issuers frequently update their card offers and rewards programs. Ensure you stay updated on these changes to maximize your card benefits.
Focus on Cards with Flexible Reward Categories: Some cards, like the Bank of America® Customized Cash Rewards credit card, allow you to choose your highest cash-back category (like online shopping, dining, or grocery stores). These flexible category cards can be more advantageous as you can adapt them to your spending habits.
Leverage Rotating Categories: Cards like the Chase Freedom Flex℠ and Discover it® Cash Back offer 5% cash back on up to $1,500 in purchases in various categories that rotate each quarter, once you activate. Plan your spending in advance to leverage these rotating categories optimally.
Remain Alert on Loyalty Program Partnerships: Many credit cards and airlines have partnerships with other brands. This can mean increased rewards when shopping with those brands, so always watch for new partnerships or promotions.
Revisiting Annual Fees: If your credit card perks no longer justify its annual fee due to changes in lifestyle or spending habits, consider downgrading to a no-fee card from the same issuer. This way, you can save on annual fees without closing your account which could potentially harm your credit score.
Diversify Your Rewards: While it may be tempting to concentrate all your spending on a single card, diversifying your rewards can make you earn more. Consider employing a multi-card system to maximize rewards across different spending categories.
Your credit card should be a tool to enhance your financial flexibility, not a burden that leads to financial stress.
Frequently Asked Questions (FAQs)
Deciding whether to focus on paying off a single card or distributing payments over several cards can seem complicated, but there are a couple of methodologies to strategize your payoff.
The Debt Avalanche method suggests focusing on the card with the highest interest rate first. Once you’ve paid this card off in its entirety, you then move on to the card with the next highest interest rate. This can potentially save you more money in the long term as it targets high-interest debt first.
Alternatively, the Debt Snowball method, proposed by financial guru Dave Ramsey, recommends paying off the card with the smallest balance first, then moving on to the card with the second-smallest balance. While you may not save as much money in interest compared to the debt avalanche method, the psychological motivation of paying off a credit card balance entirely may be more important for maintaining consistent repayment.
Either method requires you to make minimum payments promptly on all cards to avoid late fees and possible credit score damage.
Getting credit card points without spending any additional money may seem like wishful thinking, but there are certain strategies that you can employ to achieve this. Strategically managing your credit cards can turn your everyday spending into reward points, miles, or cash back.
Referral Bonuses: Many credit card companies offer referral bonuses to their existing cardholders who refer friends or family members. If the person you referred gets approved for the card, you can earn bonus points.
Cardholder Perks: Credit card companies often run promotions offering bonus points for certain activities. These can range from enrolling in paperless billing, adding authorized users to your account, or completing an online financial education course. Check with your card issuer to view any current promotions.
Shopping Portals: Many credit card issuers, and even airline and hotel rewards programs, have their own online shopping portals where you can earn additional bonus points for every dollar spent. If you were already planning on making an online purchase, consider making it through these portals to earn extra rewards.
Sign-up Bonuses: Some cards offer sizeable sign-up bonuses for new cardholders who meet a required minimum spend within the first few months. Although this technically requires spending money, it doesn’t require spending more money if you use your card for purchases you were already planning to make.
While implementing certain credit card strategies can potentially earn you higher rewards or save money, they can also unintentionally harm your credit score if not executed responsibly.
Several factors can contribute to this potential downfall:
Opening and Closing Accounts: A high frequency of card applications can lead to multiple hard inquiries on your credit report, which might lower your score in the short term. Closing credit cards, especially older ones, can affect both your credit utilization ratio and the age of your credit history, two significant factors in your credit score calculation.
Carrying a Balance: Maintaining a high credit utilization ratio—i.e., carrying a large balance relative to your credit limit—can negatively impact your credit score.
Late Payments: If these deadlines are not strictly adhered to, they could result in late payments, which can seriously harm your credit score.
Excessive Spending: Some tactics lead to unnecessary spending to earn more reward points or meet an initial spend required for a sign-up bonus. Not only can this increase your credit utilization ratio and potentially lower your credit score, it can lead to debt if these balances are not paid off in time.
While both rewards cards and travel rewards cards offer perks to their users in return for spending, the primary difference lies in the kind of rewards they offer and their target user base.
A Rewards Card generally offers cash back, points, or miles for every dollar spent, redeemable in a variety of ways. This is the type of card I prefer. For example, you may redeem your accumulated rewards as cash back into your account, use them to purchase products or services, or exchange them for gift cards. The flexibility of rewards makes these cards are suitable for people with varied spending habits and prefer a variety of redemption options.
A Travel Rewards Card, on the other hand, is designed specifically for frequent travelers. These cards earn you points or miles on specific travel-related expenses, like booking flights or hotel stays. The redeemed rewards are typically used towards further travel-related expenses like airfare, hotel stays, or car rentals. Travel Rewards Cards often offer additional travel-centric perks like free checked bags, priority boarding, airport lounge access, and more.
Consider your spending habits, lifestyle, travel frequency, and preference in terms of reward redemption.
Protecting yourself from credit card fraud is an important aspect of managing your credit card usage effectively.
Monitor Your Accounts Regularly: Keep a thorough watch on your credit card statements for any unauthorized or suspicious charges. Report them to your credit card issuer as soon as possible.
Use Secure Networks: When making online purchases, only shop on secure websites (look for “https” in the web address), and avoid using public Wi-Fi networks for transactions.
Keep Your Personal Information Safe: It’s important to dispose of old credit card statements properly, and avoid giving out credit card information over the phone unless you initiated the call and you trust the recipient.
Protect Your PIN and Password: Don’t share these with anyone, and avoid using easily guessable combinations like birth dates or the last four digits of your social security number.
Enable Account Alerts: Most banks now offer optional security alerts that can be sent via text message or email whenever a charge above a certain amount gets made to your account.
Protect Your Computer and Phone: Make sure your devices are equipped with up-to-date antivirus software and that your phone is locked with a secure password or fingerprint identification.
In case you become a victim of credit card fraud, know the steps to protect yourself – report it to your bank or credit card company immediately, file a report with the Federal Trade Commission, and report it to the three major credit bureaus, requesting them to put a fraud alert or a credit freeze on your account.
Also remember, credit cards don’t have routing numbers.
Making the Most of Credit Card Hacking
When used wisely, credit card hacks and reward strategies can play a significant role in stretching your budget and rewarding your spending. These secrets of savvy credit card use — from aligning your card to your spending habits, making the most of sign-up bonuses and reward categories, to understanding the ins and outs of your credit card’s rewards structure — can help maximize your potential rewards and save money.
Personally, we use all of our credit card rewards to pay for our travel expenses.
However, it’s paramount to remember that these tips and tactics should not encourage unnecessary spending or carrying a balance. Only spend within your means, ensure you pay off your balances each month to avoid interest charges and remember to safeguard your credit score by handling credit card applications and closures cautiously.
Ultimately, credit card hacks and rewards should fit within your overall financial plan and goals, adding value to your everyday spending habits and rewarding you for well-managed financial practices.
Remember your goal is to reach your FI number.
Source
Reddit. “American Express Clawing Back Points Earned From Gift Card Purchases.” https://www.reddit.com/r/AmexPlatinum/comments/14hywaq/american_express_clawing_back_points_earned_from/. Accessed January 19, 2024.
CNN. “What is the Chase 5/24 rule?” https://www.cnn.com/cnn-underscored/money/chase-5-24-rule#:~:text=The%205%2F24%20rule%20is,your%20approval%20odds%20with%20Chase. Accessed January 19, 2024.
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The Austin-Bergstrom International Airport in Austin, Texas, is growing almost as fast as the city itself. And as the closest airport to major events like South by Southwest, Austin City Limits music festival and more, the compact airport sees its fair share of traffic.
And while many visitors who pass through spend their time at the airport’s local restaurants or shops, Austin airport lounges also offer a place to kick back and unwind before your flight.
Let’s take a look at the airport’s four lounges, how to access them and what each has to offer travelers.
An overview of Austin airport lounges
While there are a number of airlines that fly in and out of Austin, only three have lounges: United Airlines, American Airlines and Delta Air Lines. There’s also a Chase lounge for Chase Sapphire Reserve®cardholders.
🤓Nerdy Tip
Besides the Chase lounge, there aren’t any other options that are accessible via non airline-specific membership, such as Priority Pass, or for Capital One or American Express cardholders.
These lounges are located in the main terminal, the Barbara Jordan Terminal, so no matter what gate you’re flying out of, any lounge is only a short walk away. There are no lounges in the airport’s smaller South Terminal, which is a few minutes’ drive down the road.
To enter the airline lounges, you typically need at least one of the following:
A first or business class ticket with American, Delta or United.
A lounge membership with American, Delta or United.
Elite status with one of the above airlines or their airline alliance.
A purchased day pass (if the lounge offers them).
It’s also important to note that all Austin airport lounges will ask to see a same-day departing boarding pass to enter. Save for one exception —travelers flying American or a Oneworld Alliance airline with a first or business class ticket — these lounges are only accessible on your way out of town, not upon arrival.
Delta Sky Club
On the mezzanine level near gate 4.
Open from 4:15 a.m. to 8:00 p.m. daily. Passengers can access the lounge any time within three hours before their scheduled flight.
Entry requirements:
Hold a Delta One or SkyTeam Premium flight boarding pass.
Hold an Executive or Individual Delta Sky Club membership, which is available to Medallion members.
Hold a Delta SkyMiles® Reserve American Express Card or Delta SkyMiles® Reserve Business American Express Card, which offers free access to the lounge.
Hold the Delta SkyMiles® Platinum American Express Cardor Delta SkyMiles® Platinum Business American Express Card, which offers cardholders the option to purchase access for $50 per person.
Terms apply.
Lounge amenities: Inside the lounge located above the gates, there’s a full-service bar, comfortable seating, tables for dining or working, Wi-Fi and a covered outdoor deck. There’s coffee, tea, complimentary and premium alcoholic beverages and a hot food buffet.
United Club
On the mezzanine level, across from gate 22.
Open 4:30 a.m. – 7:15 p.m. daily.
Entry requirements: .
Hold a boarding pass for:
A premium cabin on an international itinerary.
First class with a Star Alliance member airline.
Hold United Club membership.
Have purchased a one-day pass.
Hold the United Club℠ Infinite Card, which includes United Club membership.
United Club℠ Infinite Card
NerdWallet Rating
Intro offer
90,000
Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
Miles
Lounge amenities: The Austin airport United Club offers a full-service bar, light snacks and complementary Wi-Fi, plus lounge chairs, high-top tables and space to get a bit of work done.
American Airlines Admirals Club
Across from gate 22.
Open Sunday to Friday 4:15 a.m. – 9:15 p.m and Saturday 4:15 a.m. – 8:15 p.m.
Entry requirements:
Hold a first or business class ticket on a departing or arriving flight operated by American or a Oneworld Alliance airline.
Hold an Admirals Club membership.
Hold a Citi® / AAdvantage® Executive World Elite Mastercard®.
Have purchased a one-day pass (provided there’s space in the lounge that day).
Lounge amenities: Inside this airport lounge in Austin, you’ll find complimentary food and drinks, including coffee and tea, a full-service bar, Wi-Fi and space to work.
Chase Sapphire Terrace
On the mezzanine level by gate 1.
Open daily from 10 a.m.– 8 p.m. Passengers can access the lounge anytime within three hours before their scheduled flight.
Entry requirements:
Hold a Chase Sapphire Reserve® card or a J.P. Morgan Reserve credit card. You may also bring in two guests.
Chase Sapphire Reserve®
NerdWallet Rating
Intro offer
60,000
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Ultimate Rewards®.
Points
Lounge amenities: There’s indoor and outdoor seating on the terrace of this Austin airport lounge, plus grab-and-go food, local beverages, games like shuffleboard and cornhole and comfortable seating in a modern and sunny space.
Austin airport lounges recapped
While there are a handful of lounges at the Austin airport, don’t expect the variety and multiple locations you might see at larger hubs like New York-John F. Kennedy.
The four lounges are all located within the main terminal, so it’s easy to locate a place to kick back, relax, grab a bite and maybe get some work done before your flight.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024, including those best for:
2023 was a turbulent year for airline elite status. A few major airlines announced significant loyalty program changes — many of which went into effect on Jan. 1, 2024. In most cases, it’s made a more challenging path with higher spending requirements to earn airline elite status.
Some of the most notable and drastic shifts happened to the Delta Air Lines SkyMiles loyalty program. In September, the airline announced it would award Medallion elite status solely based on spending and limit Delta Sky Club access for many customers starting in 2024. The updates were so drastic that Delta walked back some of its most controversial changes, including reducing the spending requirement to earn status.
Other airlines have made minor loyalty program modifications:
Frontier Airlines overhauled its loyalty program to align status earning with dollar spending rather than based on physical miles flown. This kicked in with the new year.
Southwest Airlines made it easier to earn elite status in 2024 by reducing the number of flights needed to earn status.
As of March 2024, Alaska Airlines will simplify partner redemptions based on distance and cabin. According to Alaska Airlines, more than 60% of partner nonstop routes will start at a lower price point (but that implies others will become more expensive).
American Airlines made some changes in 2024, including adding new earning and redemption opportunities. It’ll also soon offer one-day lounge passes for sale.
Which airline program provides the most value?
NerdWallet’s analysis focuses on elite status perks that offer concrete value, such as bonus rewards, seat upgrades and free checked bags. We compared these values against the spending needed to earn each status level. That indicates which elite programs truly offer excellent value per dollar spent.
To generate a single number to compare loyalty programs, we calculate an “effective rewards rate,” which accounts for the value of the benefits you receive relative to the amount you already spent with the airline.
There’s variation across airline loyalty programs, but the average return across all programs is 6.28% in value per dollar spent, meaning you’d get an average of a little over $6 per $100 spent.
Alaska’s rewards program stands out at the top end with its 9.7% rate — the equivalent of earning nearly $10 in value for every $100 spent. Hawaiian Airlines, which in December announced plans to merge with Alaska, isn’t far behind with an 8.89% earning rate.
Frontier and Spirit Airlines trail far behind with paltry 3.92% and 3.45% rewards rates, respectively.
Understand what status is worth
Some programs slap labels like “Gold” and “Platinum” on benefits that hardly sparkle, so be skeptical of chasing titles that sound fancy but ultimately offer mediocre benefits.
A-List Preferred is the highest level of status with Southwest, but its value is low, with no option for premium class seats or airport lounges. You’d have to spend an estimated $14,400 to earn A-List Preferred (though you could get it for less if you fly a lot of low-cost flight segments), yet NerdWallet values its benefits at less than $1,400. Don’t try too hard to chase Southwest status.
Meanwhile, the top tiers at Alaska, Hawaiian, United Airlines and American Airlines mean something. With Alaska MVP Gold 100K, you’ll receive nearly $9,000 in value with the first-class upgrades, free checked bags and lounge passes. Earning it requires an estimated $12,000 in Alaska spending, translating to a roughly 73% rewards rate.
Earning United Premier 1K status is neither cheap nor easy, as you’ll have to spend an estimated $30,000 with United for the honor. But NerdWallet values the benefits (which include instant premium cabin upgrades and priority check-in) at nearly $19,000, offering a 64% return.
Look for promotions
You can sometimes find limited-time promotions with easier routes to earning elite status. For example, United MileagePlus is currently running a Premier Status Match Challenge through the end of 2024.
Leverage airline credit cards
If you’re chasing elite status for benefits like free checked bags, Wi-Fi or early boarding, many airline credit cards offer those perks without awarding you elite status.
How to approach airline elite status in 2024
As more airlines tie elite status to spending, it can feel like the value of your loyalty has taken a nosedive, especially if you previously earned status through low-cost flights. On the other hand, some high rollers are rejoicing. After all, a higher threshold to earn status only makes it more valuable for folks who have it through reduced competition for seat upgrades or fewer people overcrowding airport lounges.
However, having elite status is only part of the reason to pick which airline to fly. Sometimes elite status can be more limiting than freeing, as you might be more inclined to fly at an inconvenient time or book a more expensive flight just to flex your benefits.
By leveraging credit card bonuses, seeking targeted promotions and being open-minded to the best flight rather than one operated by the brand you have status with, you can maximize the value of your travel.
Not to mention, airfares have dropped over the past year despite inflation affecting most other sectors. Some experts expect airfares to continue dropping. According to American Express Global Business Travel’s 2024 Air Monitor report, economy class flights from North America to Europe are expected to drop by 3.5% versus their 2023 prices, while those to Asia are expected to drop by 7.5%.
For price-conscious consumers, that might be a better trade anyway.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024, including those best for:
The Miami International Airport (MIA) served more than 50.5 million passengers in 2022. With all the lively foot traffic upon entering the airport, you’ll likely want to seek comfort and quiet in an airport lounge as soon as you get airside.
Knowing where your nearest eligible airport lounges are in advance gives you more time to unwind before your flight. Here’s a list of all of the Miami airport lounges.
About Miami airport lounges
Miami International Airport lounges are located in every terminal, though you’ll need to meet the entry requirements of the lounge you’re interested in using. Many Miami airport lounges restrict access to travelers who have qualifying loyalty status or access through a credit card.
Travelers with Priority Pass, or who are willing to purchase a one-day pass might be able to gain lounge access. Admittance, however, is generally based on capacity during the time of your visit.
North Terminal: Flagship Lounge, Admirals Club and Centurion Lounge
If you’re departing from the north terminal, here are your closest lounges in the Miami airport.
Flagship Lounge
Location: Past security checkpoint, across from Gate D-30.
Hours: 5:30 a.m. to 10:30 p.m.; open daily.
How to get in: Accessible to qualifying first and business-class customers, AAdvantage Executive Platinum, AAdvantage Platinum Pro, AAdvantage Platinum and Alaska Airlines Mileage Plan MVP Gold 75K and MVP Gold, ConciergeKey, and Oneworld Emerald and Sapphire members. To get in just show your boarding ticket for an American or another Oneworld carrier flight.
Guests can enjoy complimentary food and drinks, and can access a specialty cocktail bar and wine table. There are also showers available to freshen up before your flight.
Admirals Club D-15 and D-30
Location: Two separate lounges, both past the security checkpoint. One is across from Gate D-15, and the other is across Gate D-30.
D-15 lounge: 5:30 a.m. to 10:30 p.m.; open daily.
D-30 lounge: 6 a.m. to 8:30 p.m.; open daily.
How to get in: You must be an Admirals Club member, a non-AAdvantage Oneworld Emerald or Sapphire member, or be a qualifying first and business-class customer. Upon arrival, you must show your same-day ticket for a flight on American or another Oneworld flight, and provide a qualifying credit card (if applicable) for entry. Depending on capacity, you might be able to buy an Admirals Club One-Day Pass for $79.
Guests receive complimentary food, drinks and access to a full-service bar. The lounges offer free Wi-Fi and showers, and the Admirals Club adjacent to Gate D-30 has a conference room that can be booked in advance.
The Centurion Lounge
Location: In concourse D, near Gate D-12. Take the elevator to the fourth floor.
Hours: 5 a.m. to 10 p.m.; open daily.
Visitors of the Centurion Lounge in the Miami airport can access spa services and showers, along with seasonal cuisine and a premium bar. It also offers a family room, and semi-private workspaces.
Central Terminal: Military Hospitality Lounge and Turkish Airlines
Travelers who are departing from MIA’s central terminal have a couple of lounge options. However, two lounges in this terminal are temporarily closed.
Military Hospitality Lounge
Location: Pre-security in Concourse E, second level.
Hours: 9 a.m .to 5 p.m. Thursday – Monday.
How to get in: You must be a U.S. or Allied active duty or retired military member with proof of same-day travel and your government-issued military ID. Your authorized dependents can also join you in the lounge.
The lounge offers hot beverages, water and soft drinks, as well as complimentary snacks.
Turkish Airlines Lounge
Location: Past the security checkpoint, go to Concourse E, on the second floor.
Hours: 5 a.m. to 10 p.m.; open daily.
How to get in: Available for all Priority Pass members, and first and business class passengers of Turkish Airlines, United Airlines, Aer Lingus, Air Italy, LOT Airlines, TAP Portugal and all Star Alliance members. Be ready to show your same-day boarding pass and Priority Pass card, if applicable.
Guests have access to showers and Wi-Fi. You will also enjoy complimentary food and refreshments, including alcohol.
Temporarily closed central terminal lounges in the Miami airport
Admirals Club, Concourse E.
Club America, Concourse F.
South Terminal: Delta Sky Club and The VIP Lounge
If you’re looking for an airport lounge in the Miami airport’s south terminal, here are your options.
Delta Sky Club
Location: Past the security checkpoint in Concourse H, second floor.
Hours: 4:45 a.m. to 8:45 p.m.; open daily.
How to get in: If you have a same-day ticket on Delta or a Delta-partner airline, access is available to:
Terms apply.
The lounge offers complimentary high-speed Wi-Fi, food, beverages and cocktails. Showers are also available.
The VIP Lounge
Location: Past security checkpoint in Concourse J, near Gate J-3.
Monday, Wednesday, Thursday, Saturday and Sunday: 1 a.m. to 12:30 a.m.
Tuesday: 8 p.m. to 12:30 a.m.
How to get in: The lounge is available by invitation only for first and business class passengers of member airlines.
The VIP Lounge offers complimentary buffet-style food, beverages, showers and Wi-Fi.
Turkish Airlines Lounge
Location: Past security checkpoint in Concourse H, on the third floor.
Hours: 4 a.m. to 10 p.m.; open daily. Hours may vary.
How to get in: Available to first and business-class passengers traveling on Star Alliance partner airlines, and Turkish Airlines Elite and Elite Plus passengers. Access is also available to Priority Pass, Lounge Club, Lounge Key and Diners Club members. Depending on capacity, day passes might be available for additional purchase.
Complimentary food, beverages (including alcohol), and Wi-Fi. Day beds and showers are also available.
Temporarily closed south terminal Miami airport lounges
The Avianca Lounge, Concourse J.
Final thoughts on lounges at MIA
Although MIA is one of the busiest airports in the U.S., its lounges offer pockets of respite for weary travelers.
Before your next flight, check whether you have complimentary access to any of the Miami airport lounges mentioned above, either through your airline loyalty membership, credit card benefit or other qualifying program.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024, including those best for: