8 Things Jetsetters Should Look for in a Travel Card

Updated July 21, 2021 - First published on Aug. 18, 2019

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Do you travel often? Here are some of the key features you should be on the lookout for with a travel card. Are you a frequent traveler? If so, finding the right travel card could help you score some cool perks that make travel cheaper, easier, or more fun.

Do you travel often? Here are some of the key features you should be on the lookout for with a travel card.

Are you a frequent traveler? If so, finding the right travel card could help you score some cool perks that make travel cheaper, easier, or more fun.

There are lots of different travel credit cards out there, each with their own unique features and cardmember benefits. Choosing just one can be hard, but figuring out what perks you want can help. If you’re not sure what to look for when choosing a travel card, here are eight great card features you may want to put on your watchlist.

1. Bonus rewards for travel purchases

Good travel cards have rewards programs that allow you to earn points, miles, or cash back for purchases. Great travel cards offer extra points and miles when you purchase flights or hotels or make other travel-related purchases. If you can get double points, triple points, or more, every time you book travel, you’ll earn rewards a whole lot quicker when you spend most of your cash on traveling the world.

2. The option to redeem rewards for flights or hotels

Ideally, you’ll not only be able earn lots of points for travel-related purchases but you’ll also be able to redeem those points for travel. If your travel card can help you score free flights or free nights in a hotel, your next trip will be a lot cheaper and easier to pay for.

3. Airline lounge access

No one likes sitting at the airport waiting for their flight, but that’s a part of life for those with wanderlust. You can actually make waiting at an airport pleasant though -- provided you have access to airline lounges. Lounges are typically operated by airlines or credit card companies and have amenities including plush seating and free Wi-Fi. Most also offer free food and drink, and some get fancy with beds and showers for customer use.

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If you want to access these airline lounges without paying for a business or first class ticket, look for a travel card that provides lounge access. Some cards offer a few passes you can use to access lounges each year while others provide unlimited lounge access. Just be sure to check where the lounges are that your card allows you to visit so you can ensure they’re in airports you frequent regularly.

4. Free checked bags

Checking a bag has become expensive, but when you have certain travel cards, you can bring on a bag for free. In fact, some cards even allow one or more free bags for you and your traveling companions. Unless you always travel light with carry-ons only, this can be a valuable perk.

5. Free companion tickets

If you tend to fly with a friend, it’s worth looking for a travel card that offers free companion tickets. Rules vary for how these tickets can be earned. Sometimes you’re entitled to a companion ticket each year just for being a cardholder, while other times you need to meet minimum spending requirements to earn one. Either way, the chance for a friend to fly free is a big perk.

6. Insurance that helps when abroad

Things can go wrong when you go on a trip. Many travel credit cards provide protection in case of calamities. You could potentially get trip cancellation or interruption insurance that reimburses you if you can’t go on your trip at all or if your vacation has to be cut short. Lost luggage reimbursement is another common type of insurance coverage that can repay you for lost bags, while delayed baggage insurance gives you cash to buy essentials if your luggage arrives well after you do. These insurance protections can give you peace of mind and save you a fortune if problems occur.

7. No foreign transaction fees

When traveling abroad, the last thing you need is to make every purchase more expensive. But that’s exactly what would happen if you paid a foreign transaction fee. Some cards charge 3% or more if you make purchases outside the country or not in U.S. dollars, so look for a travel card that doesn’t impose these added costs.

8. TSA PreCheck or Global Entry credits

Finally, one last great perk that could make your trips more pleasant is a statement credit for TSA PreCheck or Global Entry. TSA PreCheck makes going through security faster and easier, while Global Entry allows you to go through an expedited process when clearing customs. There’s a cost to join either program, but many travel cards give you a statement credit of up to $100 when you charge the fee to your card.

Find the right travel card for you

You won’t necessarily get access to each one of these perks on every travel card. And some of the cards offering the most generous benefits come with fairly hefty annual fees you’ll need to decide if you’re willing to pay. Still, by learning about the different cardholder benefits, you can prioritize what’s most important to you and find a card best suited to your needs. Once you do, your next trip will hopefully be cheaper, easier, or more fun thanks to the extras your card entitles you to.

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Christy Bieber

Christy Bieber is a personal finance and legal writer with more than a decade of experience. Her work has been featured on major outlets including MSN Money, CNBC, and USA Today.

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4 Little-Known Perks of a Costco Membership

By: Dana George | Updated July 25, 2023- First published on July 25, 2023

Costco has a faithful legion of fans -- otherwise known as members. There are 123 million of them, to be precise. Throughout the years, Costco has added new membership benefits, some less well-known than others. Here are four that members may not realize exist.1. RV parkingWhether you spend part of each year visiting the highways and byways of North America or you're hoping to rent an RV for your next vacation, it's good to know that some Costco locations allow RVs to park overnight in their lots. Free overnight parking can certainly cut down the cost of travel.Consider the convenience. You arrive near closing time, pick up all the items you've already burned through or forgotten to bring, and spend the night in a well-lit lot. Granted, pulling an RV into a (typically) packed Costco lot may not be the easiest thing you've ever done, but once the lot clears out, you may even hear the sound of crickets.Notice we said that some Costcos permit overnight parking for RVs. When a store does not, it's often because local ordinances don't allow it. However, with so many Costcos scattered across the country, you should have options.The easiest way to determine which Costcos allow overnight RV parking is to check this Costco locations finder. Once you see one near where you plan to stay, call that store and ask to speak with the manager. Once you have them on the line, ask about their overnight policy. If the store does permit overnight parking, ask for permission to stay. According to the Camper Report, Costco has rules for campers, so you may want to ask where you can get a copy of those.2. Home, auto, renters, and specialty insuranceIn the back of our minds, most of us realize that Costco offers insurance, but we're not sure of the details. Partnering with CONNECT, powered by American Family, Costco members receive discounted rates on many of their insurance needs. Beyond the initial discount, CONNECT allows you to add more. For example, you may qualify for a safe driving, multi-policy, or student discount.And if you're an Executive member, CONNECT sweetens the pot even more by providing you with benefits like roadside and lockout assistance.At a time when many people are unhappy with the insurance industry, 9 out of 10 members who sign up for CONNECT coverage go on to renew their policy with the insurer.3. Home and business suppliesWhile it may occur to you to pick up envelopes and printer paper at Costco, have you ever taken advantage of the low prices on items like checks, ink stamps, and address labels? Many of the supplies you need to take care of business -- at home or in the office -- are available for up to 50% off.Executive members enjoy an even deeper discount.4. Floral deliveryOnce you factor in delivery costs, sending a lovely bouquet of flowers to someone can cost a small fortune. That's not the case at Costco. Costco's online floral department offers everything from anniversary and graduation bouquets to bulk flowers. And here's where the real savings come in: Delivery is free. The price you see listed on the site, plus tax, is the price you pay.Few things are more frustrating than typing your credit card number into a florist's site, only to learn that delivery costs nearly doubled your purchase price.As Costco layers on new perks, keeping track of them may become even more difficult. It's a good idea to check periodically to see if there are any you're not taking full advantage of.

SNAP Benefits Will Increase in 2024. Here's How Much a Family of 4 Will Receive

By: Emma Newbery | Updated Aug. 7, 2023- First published on Aug. 7, 2023

Are SNAP benefits enough?A monthly payment of $973 for a household of four equates to around $8 per person per day. While SNAP benefits aren't designed to cover everything, it isn't easy to feed a family on around $2.66 per person per meal. Indeed, research from the Urban Institute showed that the maximum benefits often don't cover a family's food costs. "Amid inflation, SNAP benefits did not cover the cost of a meal in 99 percent of counties in 2022," said the report.The new benefit amount -- a monthly increase of $34 for a household of four -- is roughly in line with cost-of-living increases measured by the Bureau of Labor Statistics (BLS). Its latest Consumer Price Index figures show that the cost of all items in June, 2023 was up 3% over the year before. However, inflation does not impact all aspects of life equally.The BLS data also shows that food at home increased by 5.7% year over year. The new SNAP benefits do not match this. Hypothetically, a 5.7% increase in benefits for a family of four would mean a new monthly payment of $992, rather than the planned $973.In addition, this year brought the end of the pandemic-era emergency food benefits throughout the country. According to CBPP calculations, this meant the average person received about $90 a month less in SNAP benefits. Even factoring in the increased SNAP benefit amount, many households have seen a significant drop in their food benefit amount, and the revised 2024 payments will do little to close this gap.How to make your SNAP benefits go furtherIt can take time and energy to provide healthy food for your family on a strict budget. The challenge is that in a busy household, time and energy are also limited resources. Even so, if you can carve out some time to plan your grocery-shopping trip, it can make a big difference.Here are some ways you might stretch your SNAP benefits a little:Use cash back apps and coupons: Look for cash back apps that work in stores that take your EBT card. You'll usually need to download an app and then scan your receipt after you've been to the store. Pay attention to coupons, whether in store or online as these can often carry hefty discounts.Always shop with a list: Planning your food shopping is one of the best ways to reduce costs. Even more so if you use a cash back app or coupons. Check what offers are available on items you normally buy before you go shopping. Mark the items that qualify for rewards or discounts on your list, so you don't miss them when you're shopping.Look for double up programs: There are Double Up Food Bucks or other programs in various states that essentially give you two for one on all produce at participating farmers markets and stores. It's a great way to get more fruit and vegetables for your SNAP dollars.Buy in bulk and batch cook: It isn't always easy to find the extra cash for bulk buying when you're eking out every cent. However, if you can manage it, you may be able to save both money and time. You might, for example, batch cook a stew and freeze portions for future meals.Unfortunately, food insecurity still impacts many American households. If you don't have enough money to feed your family this month, look for additional help. Find out what food pantries and soup kitchens are operating in your area on which days, and whether you'll need to present any documents. Call United Way at 211 for information about assistance programs in your area.

Does Your Income Make You Upper Class, Middle Class, or Lower Class?

By: Christy Bieber | Updated Sept. 5, 2023- First published on Sept. 5, 2023

Incomes vary widely across the United States, with some people making many times the amount that others earn. If you've ever wondered how your personal finances stack up, and what "class" your income officially puts you in, here's what you need to know.What income do you need to be upper, middle, or lower class?Based on 2021 data, here's what you would need to earn in order to be in each class:Lower class: This is defined as the bottom 20% of earners. Those in the lower class have an income at or below $28,007.Lower middle class: This is defined as individuals in the 20th to 40th percentile of household income. Earnings among this group are between $28,008 and $55,000Middle class: The middle class is officially those whose earnings put them in the 40th to 60th percentile of household income. The income range is $55,001 to $89,744.Upper middle class: Anyone with earnings in the 60th to 80th percentile would be considered upper middle class. Those in the upper middle class have incomes between $89,745 and $149,131.Upper class: Finally, the upper class is the top 20% of earners and they have incomes of $149,132 or higher.Take a look at these numbers and see where you fall based on your own earnings. And remember, this is a snapshot in time -- your earnings can change throughout your life, and so can your class designation.Will your success be determined by your income and class?It's probably not a surprise that those in the upper classes or in the upper middle class do have a higher net worth than those in the lower class or the lower middle class. But the disparity is greater than you might think. While the median net worth of those with incomes of $149,132 or higher is $805,400, the median net worth of those in the lower class is just $12,000.Your income impacts how easy it is for you to build wealth. If you make more money, it is easier to save it and invest it in a brokerage account where it can work for you. If you make less money, then you may struggle even to cover the necessities out of your checking account, much less to buy valuable assets that help you grow richer over time.But that doesn't mean people who don't make a lot of money can't be a financial success. A lot depends on what you do with the money you actually have, including how much you spend and how much you save.There are plenty of people who make over $100,000 a year who live paycheck to paycheck, and plenty of people with incomes that put them squarely in the lower or lower middle class who have diligently saved and grown quite wealthy over many years.Here's how you can improve your standingDon't be discouraged if you aren't in the class you hope to be. For one thing, you have opportunities to increase your income by taking the following steps:Learning new job skills: You could obtain a certification, take part in a management training program at work, or take some classes to develop skills that may help you get promoted (such as computer training courses or public speaking classes), depending on your industry.Take on a side hustle: The average side hustle brings in $483 per month, which is a good amount of extra money that could make a meaningful difference in your income.Work some extra hours: If your company allows you to work overtime, take advantage of it, as many people are paid time and a half for overtime hours.Negotiate your salary: According to Pew Research, when workers negotiated for higher pay, 28% said they received the extra money they asked for and 38% indicated they were given more than originally offered but less than their ask. Whether you are getting a new job or staying at your current job but feel you're underpaid, it doesn't hurt to make a request for more money -- especially if you can find salary data to back up the fact that others in your industry are paid more.And even if your earnings never put you in the top 20% of earners, you can still have a rich life and end up with the financial security you deserve -- especially if you prioritize saving as much as you can for as long as you can.

3 Reasons I Don't Like Aldi as Much as I Used To

By: Maurie Backman | Updated Sept. 13, 2023- First published on Sept. 13, 2023

At some point in 2022, I discovered Aldi and began shopping there weekly. I found that I was able to save money on my grocery bill by purchasing certain produce items there. And since I happen to have an Aldi adjacent to my local Costco, it wasn't particularly out of my way.But over the past few months, I've become less enamored with Aldi. Here's why.1. The selection is just too limitedAldi -- at least near me -- is a minimally stocked grocery store. The shelves aren't loaded the way they are at my nearby ShopRite and Stop & Shop.To be fair, this was the case when I first started shopping there. But because there's just not a lot of selection, I'm generally limited to only buying a few items when I pop into Aldi.Not so long ago, I was running into Aldi for some fruit, which I usually buy there, and I needed to grab shredded cheddar cheese. Normally, I get that at Costco, but I didn't want to run next door to Costco and wait in a line for cheese alone. Unfortunately, though, Aldi didn't have the cheese I needed, so I had to make an extra stop anyway.2. The inventory is too inconsistentNot only is there a limited selection of food items I can buy at Aldi, but sometimes, I can't even find the five or six things I'm looking for. Aldi was once my go-to source for avocados, since it's an expensive purchase and Aldi tends to sell them for less than Costco (at least in my area). But the last few times I stopped at Aldi, avocados weren't in stock.And that's happened to me with other things, too. Over the past several months, I've struggled to find everything from cucumbers to strawberries at Aldi as well.3. What the store saves me on groceries, I lose via lost working hoursShopping at Aldi still has the potential to save me a little money on groceries. At a time when supermarket prices are up 3.6% on an annual basis, that helps.The problem, however, is that even though Aldi is right near Costco in my neighborhood, thereby allowing me to combine those trips, it still takes time to visit an extra supermarket. I have to find parking, wait in a checkout line, and spend time searching the shelves.While it's nice to save $2 here and $3 there, the reality is that a stop at Aldi might cost me 20 or more minutes of work -- especially when I don't manage to find the things I need. And losing out on that work time often means forgoing more than $2 or $3 of income. So from a time perspective, it's just not worth it.Shopping at Aldi could make sense for a lot of people. If you're someone with flexibility in your schedule and grocery list, and you're not so picky about the brands you bring home, then it could pay to spend the time visiting Aldi, even if you don't always manage to find all the things you need. But I've reached the point where shopping at Aldi makes less and less sense for me, so I'll most likely stop going there unless it's a one-off basis.

5 Can't-Miss Fall Items From Sam's Club

By: Brittney Myers | Updated Sept. 20, 2023- First published on Sept. 20, 2023

How can you tell when autumn is almost here? It's not the leaves on the ground, or the chill in the air. No, the first sign of fall is the deluge of pumpkin spice everything hitting the store shelves.Even if you're not crazy for spicy squash, there are a lot of interesting items that show up this time of year in all our favorite stores. Sam's Club, for example, has already started rolling out some of its seasonal selections. Take a look at some of the limited-time fall items out now.1. Member's Mark seasonal soupsIf there's any dish that epitomizes fall flavors, it has to be soup. Sipping soup on a crisp fall evening is about as close to autumn nirvana as you can get (without literally turning into a pumpkin). These seasonal soups offer some of that fall feeling without putting your budget into hibernation:Autumn Squash Soup (32 oz. tub, 2 pk.) | $9.98 ($0.16/oz)Member's Mark Black Beans, Corn and Spicy Chorizo Soup (24 ounce tub, 2 pk.) | $10.48 ($0.22/oz)2. Pumpkin spice coffeesWhole bean, ground, K-cup -- doesn't matter how you like your pumpkin spice coffee, Sam's Club has an option for you this fall. You can find a variety of brands and styles, all at the great prices you'd expect to see:Boyer's Whole Bean Coffee, Pumpkin Spice (36 oz.) | $18.88 ($0.52/oz)Community Coffee Ground Coffee, Spiced Pumpkin Pecan Pie (32 oz.) | $14.42 ($0.45/oz)Copper Moon Coffee Single Serve Cups, Harvest Pack (36 ct.) | $12.98 ($0.36/ea)Dunkin' Donuts Medium Roast K-Cups, Pumpkin Spice (54 ct.) | $29.98 ($0.56/ea)Starbucks Limited Edition K-Cup Coffee Pods, Pumpkin Spice (64 ct.) | $29.98 ($0.47/ea)3. Fall decorFew things will get you in that leaves-on-the-ground mood quite like some seasonal fall decor. Sam's Club has a surprising variety of harvest-inspired decorations, from front porch pumpkins strung with twinkly lights to a set of resin turkeys for your tablescape. (There's also a good array of indoor and outdoor Halloween decorations, too.)Member's Mark Harvest Door Mat (various styles) | $9.98Member's Mark Halloween Ceramic Candy Bowl (various styles) | $19.98Member's Mark Harvest Wreath (various styles) | $34.98 to $49.98Member's Mark Harvest Pumpkin Set (various colors) | $54.984. Oktoberfest-inspired snacksIt doesn't have as much hype in the U.S. as Thanksgiving -- or even Pumpkin Spice Season -- but lots of folks love to raise their tankard for Oktoberfest. These snacks both look like they'd be good washed down with a pint:Member's Mark Beer Cheese Flavored Popcorn (14 oz.) | $4.98 ($0.36/oz)Member's Mark Oktoberfest Mini Pretzel Franks (18 oz.) | $11.98 ($0.67/oz)5. Halloween candyHalloween candy holds a special appeal for many of us, regardless of our age. What's really cool, though, is that when you're an adult, you can just, like, buy the stuff -- no costume required. Of course, as an adult, you also need to be financially responsible. So, buy your candy from Sam's Club in bulk. You know, for the savings.Reese's Halloween Pumpkins Candy Bulk Bag (39.8 oz., 65 Pieces) | $11.98 ($0.18/ea)Hershey Halloween Candy Bulk Variety Bag (53.7 oz., 105 pcs) | $18.98 ($0.18/ea)Sweetarts Halloween Ghostly Goodies Mix (59.86 oz., 175 ct.) | $19.98 ($0.11/ea)A lot more fall to comeLet's be honest: It's not really autumn yet. And it certainly wasn't autumn when all this pumpkin nonsense started weeks ago. There's still so much actual autumn to come!The point? Pace yourself -- and your bank account.After a long, hot summer, it can be so tempting to embrace the fall feeling, even if it does come a few weeks early. Part of that, for many folks, is drowning their summer sorrows in pumpkin spice. But all that mood-altering goodness isn't free (or even cheap). No, it can add up faster than you think.Before you start running up your credit cards on seasonal goodies, take the time to figure out which ones will bring you the most joy. Focus on one or two items that will really make you feel like fall is on the way, and leave the rest for other pumpkin lovers to enjoy.