Airlines love to offer co-branded credit cards. Most major carriers now have several at different price points.
With the Quest card, United and Chase are betting that there’s a market for a card somewhere between their top-end Club Card and their entry-level Explorer Card. Call it their “Goldilocks” credit card.
If you frequently fly United but can’t justify the Club card’s hefty annual fee, Quest could be the best choice for you. But take a few moments to see how it works — and where it falls short — before you apply.
What Is the United Quest Card?
United offers numerous credit cards through its partner Chase, and the United Quest Card sits just below the premium Club Card. It features a laundry list of travel benefits and rewards.
This card has a rather large $250 annual fee, but it must be looked at in the context of all of its benefits, some of which offer direct value.
You start off on the right foot with a sign-up bonus of 60,000 bonus miles plus 500 Premier Qualifying Points (PQPs) when you use your card to spend $4,000 within three months of account opening. PQP are the points that you need to earn elite status in United’s loyalty program, starting with 4,000 points and 12 qualifying flights for Silver status. And it gets better from there.
The Quest Card offers you a $125 annual credit that reimburses you for any United purchases. You also get two 5,000 mile anniversary award flight credits. This means that if you book two award tickets a year, you get 10,000 bonus miles.
You also get a statement credit of up to $100 for your Global Entry or TSA PreCheck application — programs that help you to speed through security and immigration. And at a time when many credit card issuers no longer offer any cardholder benefits, the Quest Card still comes with several travel insurance and purchase protection policies.
The Quest Card also showers you with perks when you fly United. As is true with many frequent flyer credit cards, you get free checked bags. But the Quest card offers you two free bags for you and a companion traveling on the same reservation. Other perks include priority boarding, 25% back on United in-flight and Club premium drink purchases, and the ability to get Premier upgrades on award tickets.
And just like any airline credit card, you get miles for your Quest Card purchases. This includes 3x miles for United purchases and 2x miles for all other travel, dining purchases, and select streaming services. You get one mile per dollar spent on all other purchases.
What Sets the United Quest Card Apart?
The United Quest Card is different from its competitors in a few key ways, including purchase and mileage credits, free checked baggage allowance and travel insurance.
$125 United purchase credit. This is worth half the card’s annual fee, and goes a long way toward justifying it.
Two 5,000 mile flight credits each year. That’s another 10,000 miles, just for redeeming your miles.
Two free checked bags. Hello cross-country ski trip, college move-in, or camping vacation.
Lots of travel insurance. Stuck overnight due to a canceled flight? Snag a hotel and go out for a nice meal! This card reimburses you up to $500 per person during overnight delays or any delay lasting 12 hours or longer.
Key Features of the United Quest Card
This mid-tier airline rewards card offers a generous sign-up bonus, plenty of perks when flying United, and additional rewards for certain purchases.
Sign-Up Bonus
Earn 60,000 bonus miles and 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
The PQP component of this bonus can be vital to earning the next level of elite status in United’s MileagePlus program.
Earning Rewards
This card offers plenty of opportunities to earn bonus miles:
3x miles for United purchases
2x miles for all other travel and dining purchases
2x miles for select streaming services
1x mile on all other eligible purchases
“Other travel” covers a huge range of purchases, including:
Non-United airfare
Train fares
Local transit, taxi, and rideshare fares
Cruise fares
Hotel and resort bookings
Car rentals
Road tolls
Redeeming Rewards
You can redeem your accumulated miles for award flights operated by United and its partners.
Exactly how much value you get from them is another question. United no longer publishes an award chart and has been known to change how much it charges for particular flights without notifying anyone. But in general, you’ll need 80,000 to 100,000 miles for a one-way, business class ticket to Europe, and about half that if you travel in economy.
$125 Annual United Purchase Credit
You receive up to $125 in statement credits each account anniversary year as reimbursement for United purchases charged to your United Quest Card.
Anniversary Award Flight Credits
You can also earn two 5,000 mile anniversary award flight credits each year when you take a United or United Express-operated award flight booked with your miles.
Valuable Travel Perks
No discussion of the United Quest Card is complete without taking a look at its travel perks:
Your first and second bags checked free for you and a companion
Priority boarding
25% back on United in-flight purchases
Eligibility for Premier upgrades when traveling on award flights
These perks come on top of numerous travel insurance and purchase protection policies. This includes $1,500 per person in trip cancellation/interruption insurance, $500 per person in trip delay reimbursement, and an additional $3,000 in lost luggage coverage.
Important Fees
There’s a $250 annual fee for this card. However, there’s no foreign transaction fee imposed on charges processed outside of the United States.
Credit Required
This card requires good or better credit to qualify. If your FICO score is much below 700, then you’ll likely have trouble being approved. However, this is pretty standard for a premium travel credit card.
Advantages
This card offers a lot of advantages, especially for frequent United travelers.
Sign-up bonus. Earning 60,000 miles after spending $4,000 on new purchases is a competitive bonus, but adding the 500 Premier Qualifying MIles allows this card to rise above most of its competitors.
Generous travel perks. The $125 annual travel credit goes a long way toward defraying the costs of this card’s annual fee. The two 5,000 mile annual flight credits are also very valuable. And it’s always nice to enjoy priority boarding, and two free checked bags.
Strong bonus categories. Many airline credit cards only offer 2x miles for ticket purchases, but this card features 3x. Plus, you get 2x for all other travel, dining and select streaming services.
MileagePlus partners and policies. You can redeem your United miles for flights on its numerous Star Alliance and non-alliance partners. United also eliminated change and cancellation fees on awards, so you’re free to book a ticket when you find a good deal and cancel it later if it doesn’t work out.
Disadvantages
The United Quest Card isn’t perfect. Its biggest downsides include recently devalued award travel (with more devaluation possible in the future) and a high annual fee.
United devalues its miles. United eliminated its award charts several years ago, which means that it can always charge more miles for awards whenever it feels like it. For example, United recently started charging up to 50% more miles for many of its award flights to Europe, without any prior notice. So don’t count on the price you see now being available when it comes time to redeem your miles.
$250 annual fee. This will be a big turn-off to many people, and for good reason. But if you can use the $125 annual flight credit, then the net cost is much closer to what an entry-level airline card costs. And if the free bags save you money, then it’s easier to get over the sticker shock of a $250 card.
How the United Quest Card Stacks Up
One of the closest competitors to the United Quest card is the Delta SkyMiles® Platinum American Express Card. It also offers bonus miles and credit toward elite status. It even features an annual companion certificate, but it has a smaller sign-up bonus.
United Quest Card
Delta SkyMiles® Platinum American Express Card
Annual Fee
$250
$250
Sign-Up Bonus
60,000 miles plus 500 PQDs
50,000 miles
Rewards Rate
Up to 3x miles
Up to 3x miles
0% Intro APR
None
None
Foreign Transaction Fee
None
None
Companion Certificate
No
Yes
Credit Needed
Good or better
Good or better
Final Word
The United Quest Card is a mid-tier product, positioned between the entry-level Explorer Card and the premium Club Card. It offers you a wide variety of perks and benefits when you fly United, including mileage credits, ticket purchase credits and credits toward elite status. It also offers some additional miles and fee credits to help cardholders justify its considerable annual fee. And don’t forget the valuable sign-up bonus.
What you’re left with is a pricey card that’s well worth it if you can utilize its fee credits and other perks, such as two free checked bags. Those who buy tickets on United will easily earn the $125 annual credit toward United purchases. So while you might balk at the $250 annual fee, savvy cardholders consider the value of the United Quest Card’s benefits and find it to be a worthwhile expense.
The Verdict
Our rating
United Quest Card
The United Quest Card is an expensive credit card, but you get what you pay for, from standard perks like free checked bags to a $125 flight credit and up to 10,000 bonus points on award travel each year. With so much going for it, this card’s annual fee is well worth the price for most United travelers.
Editorial Note:
The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.
@media (max-width: 1200px)
body .ns-buttons.ns-inline .ns-button-icon width: 100%; .ns-inline .ns-button –ns-button-color: #000000;
Jason has been writing about personal finance, travel, and other topics on blogs across the Internet. When he is not writing, he has a career in information technology and is also a commercially rated pilot. Jason lives in Colorado with his wife and young daughter where he enjoys parenting, cycling, and other extreme sports.
The Southwest Rapid Rewards Priority Credit Card is the most rewarding of Southwest Airlines’ personal credit cards, offering a $75 annual Southwest credit and 7,500 anniversary bonus points. With a healthy sign-up bonus and the most benefits of any of the airline’s offerings, this is the card to get if you’re a Southwest loyalist. Card Rating*: ⭐⭐⭐½
*Card Rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
Southwest Airlines has a legion of fans — largely due to its flexible change/cancellation policies and offering two free checked bags for all passengers. Unlike other airlines, Southwest doesn’t offer lounges, premium cabins or even seating with extra legroom. But it does offer a full suite of cobranded credit cards to help frequent flyers fulfill their Southwest travel goals.
The Southwest Rapid Rewards Priority Credit Card is the most premium personal credit card in the Southwest lineup. It offers hundreds of dollars in value with Southwest each year, and its current sign-up bonus offers a healthy point bonus.
But are its benefits valuable enough to warrant the $149 annual fee? And is now the right time for you to apply? Let’s find out.
OWEN CL/UNSPLASH
Southwest Priority Card Welcome offer
The Southwest Rapid Rewards Priority Credit Card currently offers a welcome bonus of 60,000 bonus points plus a 30% off promo code after spending $3,000 on purchases within the first three months of account opening. TPG values Rapid Rewards points at 1.5 cents each, meaning 60,000 points are worth $900.
This is the first time Southwest has offered a promo code as part of a sign-up bonus on a credit card. The code will appear directly in your Southwest.com account within eight weeks of meeting the spending requirement. It can be used — only once — on a single one-way or round-trip Wanna Get Away, Wanna Get Away Plus, Anytime and Business Select fare, and is available for use until October 31, 2024.
Given it is a single-use promo code, it would be best to save this for a more expensive ticket. You’ll get the biggest savings when using the code for round-trip travel and/or during peak travel periods like the summer or the holidays.
Note that the welcome bonus will count toward earning the carrier’s venerated Companion Pass, which typically requires 135,000 points in a calendar year.
Sign up for our daily newsletter
Related: 13 lessons from 13 years’ worth of Southwest Companion Passes
All Southwest cards are subject to Chase’s 5/24 rule. This means if you’ve opened five or more credit cards in the past 24 months (from all banks, not just Chase), you may not be approved. Also, you can’t open a new personal Southwest card if you currently have one open or if you earned a sign-up bonus in the past 24 months on any personal Southwest card.
WYATT SMITH/THE POINTS GUY
Earning points with the Southwest Priority Card
Here’s what you’ll earn with the Southwest Priority card:
3 points per dollar on Southwest purchases.
2 points per dollar spent with Rapid Rewards hotel and car rental partners.
2 points per dollar on local transit and commuting, including rideshare apps.
2 points per dollar on internet, cable and phone services; select streaming.
1 point per dollar on all other purchases.
This is a wide variety of bonus categories compared to other airline credit cards, though top travel cards are typically even more lucrative.
Related: The best rewards credit cards for each bonus category
Redeeming points with the Southwest Priority Card
Redeeming points with the Southwest Rapid Rewards Priority Credit Card is very straightforward. Southwest award prices are directly tied to the cash value of the ticket, meaning the number of points you need for a flight will fluctuate, but you’ll rarely encounter times when you can’t use your points. Plus, if your plans change, you can redeposit your award without penalty.
While Southwest’s Rapid Rewards points won’t help you fly in first-class suites, they can provide great value. For instance, you can fly from Los Angeles (LAX) to Chicago-Midway (MDW) for just 8,091 points one-way, depending on the time of year. Meanwhile, other airlines often charge 10,000 miles or even more (assuming you can find availability).
SOUTHWEST.COM
If you book during one of Southwest’s flash sales, you could score awards for less than 2,500 points one-way. You can even fly to fun faraway destinations like Hawaii, Costa Rica and Mexico with your Southwest points.
Southwest Rapid Rapid Rewards Priority benefits
The Southwest Priority card offers the following benefits:
Anniversary bonus: Each year on your card-opening anniversary, you’ll receive 7,500 Rapid Rewards points, worth about $112, based on TPG’s valuations.
Annual Southwest travel credit: During each cardmember year, you’ll receive a $75 travel credit that can be used on most Southwest purchases, including tickets (but excluding upgraded boardings and inflight purchases), dropping the card’s actual cost to $74.
25% inflight savings: Receive 25% back (as a statement credit) after you use your card to purchase inflight drinks, Wi-Fi, messaging and movies.
Tier qualifying points boost: Earn 1,500 TQPs that count toward A-List and A-List Preferred status for each $10,000 you spend in a calendar year.
In addition to the Southwest-specific benefits, the card comes with lost luggage reimbursement, baggage delay insurance, extended warranty coverage and purchase protection. The card has no foreign transaction fees, and the annual fee is $149.
Which cards compete with the Southwest Priority Card?
Southwest Airlines currently offers three personal cards — all with the same sign-up bonus. Thus, it can be difficult to choose the right one.
If you want Southwest benefits with a more modest fee: The Southwest Rapid Rewards Premier Credit Card has the same welcome bonus but extra perks to justify its $99 annual fee. These include 6,000 anniversary bonus points, 2 EarlyBird check-ins per year, 25% back on inflight purchases and 1,500 TQPs towards A-List status for each $10,000 spent on the card. For more details, read our full review of the Southwest Premier card.
If you want a Southwest card with an even lower annual fee: The Southwest Rapid Rewards Plus has a $69 annual fee and an anniversary bonus of 3,000 points. You’ll also receive 2 EarlyBird check-ins every card anniversary. For more information, read our full review of the Southwest Plus card.
If you want points you can use with Southwest and other airlines: The Chase Sapphire Preferred Card earns Chase Ultimate Rewards points, which you can transfer 1:1 to Southwest — as well as a wide range of airlines — for making flight redemptions. You’ll get numerous travel protections, a $50 annual hotel credit and robust earning categories, and the card has a $95 annual fee. For more information, read our full review of the Sapphire Preferred.
For more options, check out our full list of travel credit cards.
Related: Comparing the Southwest Rapid Rewards Priority, Premier, and Plus Credit Cards
Is the Southwest Rapid Rewards Priority Card worth it?
If you fly Southwest at least a few times each year, you will come out ahead with the Southwest Priority Credit Card. The card’s everyday earning rates aren’t the most lucrative out there, but impressive built-in perks like upgraded boardings, a $75 annual travel credit and a 7,500-point anniversary bonus easily make up for it.
Bottom line
The Southwest Rapid Rewards Priority Credit Card is the most rewarding of Southwest Airlines’ personal credit cards, with a solid sign-up bonus and the most benefits of any of the airline’s offerings. If you fly Southwest often, it’s the card for you.
Official application link: Southwest Rapid Rewards Priority Credit Card
Additional reporting by Ryan Wilcox, Benét J. Wilson, Jennifer Yellin, Joseph Hostetler, Christina Ly and Ryan Smith.
A credit union is a nonprofit institution that’s owned by its members. Compared to a traditional bank, a credit union tends to offer more personalized service.
You can turn to a credit union for a variety of financial products, like checking and savings accounts, credit cards, car loans, and mortgages. Some regional and federal credit unions also offer wealth management services and other extras.
A typical credit union only accepts members who live in a specific region or work for an eligible employer. For example, they may require that you’re a resident of Atlanta, Georgia or work as a teacher.
The good news is some credit unions require less and make it easy for just about anyone to join. If you’d like to join a credit union but don’t want to worry about the strict membership requirements at most institutions, you’ve come to the right place.
38 Best Credit Unions Anyone Can Join
There are hundreds of credit unions that anyone can join, but we’ve done the heavy lifting and found the best ones for you. The credit unions below, which are overseen by the National Credit Union Administration (NCUA) may be an option for you, regardless of what you do for a living or where you’re located.
Just keep in mind that you may have to make a donation, join an organization, live in a certain state, or meet some other eligibility requirement. We encourage you to explore this lengthy to list of credit unions anyone can join so you can hone in on the ideal credit union for your unique situation.
1. Alliant Credit Union
Alliant Credit Union made its debut in 1935 to serve the employees of United Airlines. It stands out for it high-interest savings and checking accounts with low minimum opening deposits as well as excellent customer service.
You’ll also receive access to more than 80,000 free ATMs across the U.S. and get reimbursed up to $20 in out-of-network ATM charges per month. Since it only has two brick-and-mortar locations, you should feel comfortable with online banking. If you’d like to join Alliant Credit Union, make a $5 donation to Foster Care to Success.
2. Connexus Credit Union
Connexus Credit Union was founded in 1935 and has a widespread presence in Wisconsin as well as more than 54,000 ATMs across the country. It couldn’t be easier to join the credit union as all you have to do is pay a one-time $5 fee to the Connexus Association, which supports financial education through college scholarships.
As a member, you can open one of its three checking options with high APYs and a traditional savings account or one that’s specifically designed for the holidays.
3. Pentagon Federal Credit Union
Pentagon Federal Credit Union, or PenFed, was founded in 1935 as a credit union for military and civilian government. Today, this Virginia-based credit union has opened it doors to anyone as long as they open a savings account and deposit a minimum of $5. It offers two savings accounts, including the Regular Savings and Premium Online Savings.
In addition, you can find checking accounts, CDs, and money market accounts. Other products include Coverdell Education Savings Certificates, IRAs, credit cards, mortgages, home equity loans, and student loans. Plus, you can enjoy modern perks like mobile check deposits, online bill pay, and instant transfers.
4. First Tech Federal Credit Union
First Tech Federal Credit Union is headquartered in California. The credit union offers many benefits, such as excellent customer service, many branches throughout the U.S. and Puerto Rico, online banking, and mobile banking.
It also has the Dividend Rewards Checking Account, which gives you 1.00% APY on balances below $1,000. You don’t have to live in California to join as long as you donate to a nonprofit called the Financial Fitness Association.
5. Consumers Credit Union
Consumers Credit Union was established in 1951 as a local credit union. Based in Illinois, it’s one of the largest credit unions in the state with over 100,000 members and more than $1.2 billion in assets.
You can join it, even if you don’t live in Illinois. All you have to do is donate the $5 membership free to an affiliated nonprofit. You can open almost all of its accounts online, except for the checking accounts and IRAs. The credit union also offers a high-yield checking account that offers high interest if you meet certain criteria.
6. Langley Federal Credit Union
Langley Federal Credit Union is based in Virginia and made its inception in 1936. At that time, members of the National Advisory Committee for Aeronautics, the predecessor to NASA, chartered the credit union.
Today, Langley offers membership to anyone who pays a fee to support an important cause in Virginia and deposits at least $5 into a savings account. You can choose from a checking account without a monthly fee, a variety of no-fee savings accounts with competitive interest compounds monthly, and Visa Cards with cash back rewards.
7. Lake Michigan Credit Union
Lake Michigan Credit Union made its debut in 1933 by a group of teachers. Headquartered in Grand Rapids, Michigan, it has 51 branches in Michigan and southwest Florida. Since it’s part of the Allpoint ATM network, members can enjoy free access to more than 55,000 free ATM.
To join, donate $5 to the ALS Foundation and deposit $5 into a Member Savings account. Once you do, you can earn perks through the MORE rewards program and redeem them for complimentary checks and free out-of-network ATM transactions.
You may also open the free, no frills Max Checking account. Note that the Member Savings account, which you must open to become a member, requires a minimum daily balance of $300 or you’ll be charged a $5 monthly fee.
8. Lafayette Federal Credit Union
Lafayette Federal Credit Union was founded in 1935 as an alternative to traditional banks. It offers numerous perks, like no minimum balance requirement or monthly maintenance fees, online banking, mobile deposits, free direct deposit, and special discounts.
You can join it if you live, work, worship, or attend school in Washington D.C. If you live outside the D.C. area, you may still become a member as long as you invest in a lifetime Home Ownership Financial Literacy Council (HOFLC) membership for only $10. This nonprofit focuses on helping consumers navigate the path to homeownership.
9. Affinity Plus Federal Credit Union
Affinity Plus Federal Credit Union has 26 branch locations across Minnesota. APFCU offers MyPlus Rewards that gives you points if you keep a certain amount of money in your bank account or use its debit or credit card.
To be eligible to join, all you have to do is donate $25 to the Affinity Plus Foundation and open a basic savings account. If you live and work in Minnesota or have a family member in the state, there are other ways to become a member.
10. Chevron Credit Union
Chevron Credit Union has been around since 1935 and has 19 branches that span six states, including California, Louisiana, Mississippi, Texas, Utah and Virginia. It operates under two brands: Chevron Federal Credit Union and Spectrum Credit Union.
To become a member, join one of its nonprofit partner organizations, such as the Contra Costa County Historical Society. You’ll also need to deposit $25 into a primary savings account and maintain a $25 minimum balance.
Chevron also offers a second chance checking account called New Solutions for those who need help rebuilding their banking history.
11. Ascend Credit Union
Since its inception in 1951, Ascend Credit Union has offered a variety of products, like checking and savings accounts, a money market account, Christmas Club account, youth accounts, credit cards, and loans.
If you’re interested in these services, join The Nature Conservancy, Tennessee Chapter and you’ll be eligible automatically. Note that there is a one-time fee of $25.
12. Hope Credit Union
Hope Credit Union is a black-owned credit union that was organized in 1995 by the Anderson United Methodist Church in Mississippi. You can join if you pay a $10 membership fee and show a foreign passport, permanent resident card, or Matricula Consular. Plus, you may use an ITIN number instead of a Social Security number.
Hope Credit Union provides a number of personal bank accounts, business banking accounts, and transformational deposits. With its transformational deposits, you can participate in socially responsible investing.
13. Boeing Employees Credit Union
Boeing Employees Credit Union, or BECU, was established in 1935 for Boeing employees and currently caters to more than 1 million members. But despite its name, you don’t have to work at Boeing to join.
Its products and services are available to you if you become a member or donor to the KEXP, which is a nonprofit art organization or the Sea Hawkers Central Council. The most noteworthy benefit of joining is the first-time homebuyer grant in which you can receive $7,500 toward your down payment and closing costs.
14. Hiway Credit Union
Hiway Credit Union made its debut in 1931 to serve employees of the Minnesota Department of Transportation. It offers a free checking account with no monthly fee or minimum balance requirements, a free money market account with a $500 minimum deposit, credit cards, and loans.
You can qualify for a Hiway Federal Credit Union membership if you donate to the Minnesota Recreation and Park Foundation for $10 per year or the Association of the U.S. Army, which costs $40 for two years.
15. GreenState Credit Union
GreenState Credit Union was founded in 1938. It provides its members with personal accounts, business accounts, credit cards, loans insurance, wealth management services, and more.
GreenState was named one of the fastest growing credit unions in 2021. As long as you live or work in the state of Iowa, you can become a member and take advantage of its services without any issues.
16. Cascade Credit Union
Cascade Credit Union made its debut in 1952 to serve employees of the Cascade Division of the Great Northern Railway. Today, it’s open to many people and offers great perks like members-only sweepstakes, competitive rates, online banking tools, financial counseling, and group insurance benefits.
If you’d like to join, simply become a member of the Great Northern & Cascade Railway Association (GNCR) and pay an annual membership cost of $40. The credit union can help you fill out your application online or in-person at a local branch.
17. Wildfire Credit Union
Wildfire Credit Union began in 1937 as Saginaw Telephone Employees Credit Union, its original credit union name. Its first location was in the basement of the home of Hank Kosk, the credit union’s treasurer.
After some office upgrades, the credit union opened the doors to its current location on Bay Road in Saginaw and merged with Flint Telephone Employees Credit Union that same year. Today, Wildfire Credit Union offers several deposit accounts as well as personal banking and business banking services. You can join if you live, work, worship, or attend school in Michigan.
18. Nextmark Credit Union
Nextmark Credit Union made its debut in 1958. Its offerings include personal and business checking, home equity loans, personal loans, credit cards, gift cards, and more.
To join, you must live in a qualifying county in Virginia or make a donation to Herndon Elementary PTA, a Title I school.
19. Technology Credit Union
Technology Credit Union, or Tech CU, was established in 1960. It’s based in Silicon Valley and provides its members with no shortage of benefits. These include competitive rates, online banking, access to fee-free ATMs, free credit score monitoring, conference room space, and easy online appointment booking. To become a member, join Financial Fitness Association for only $8.
20. Veridian Credit Union
Veridian Credit Union was established in 1934. Most of its members are those who live or work in Iowa or certain counties of Nebraska. However, it’s open to anyone who is a registered user of Dwolla, a financial technology company. This means you can join as long as you sign up for a personal account at Dwolla.
You’ll also need to open a savings account and deposit at least $5. If you’re already a member of a credit union or bank but would like to switch to Veridian Credit Union, the switch kit may be helpful.
21. Harborstone Credit Union
Harborstone Credit Union’s roots date back to 1955, when it was known as McChord Federal Credit Union and served airmen on the McChord Air Force Base. In 1996, the credit union expanded its membership to anyone in the state of Washington and changed its name as a result.
As long as you live, work, or worship in Washington, you may join Harborstone Credit Union and enjoy a variety of financial products and digital tools.
22. NASA Federal Credit Union
NASA Federal Credit Union began in 1949 to serve NASA employees. Since then, it’s grown to more than 177,000 members. While the credit union is headquartered in Upper Marlboro, Massachusetts, there are 12 branches in Maryland, Virginia, and Washington, DC.
Its product lineup includes a simple checking account with no minimum opening deposit, a savings account with a great rate, and several CDs. You can also monitor your credit score and make deposits with the mobile app. If you don’t work for NASA, you can still join. Simply sign up for a one-year membership at the National Space Society (NSS).
Hanscom Federal Credit Union opened in 1953. The credit union has over 20 branches in and around Boston as well as one in McLean, Virginia. It offers fee-free checking accounts, savings accounts with rewards, credit cards, and loans.
To join, you’ll need to support one of its partner organizations, such as the Burlington Players, a volunteer theater group. In addition, you’ll be required to deposit $25 into a free primary savings account.
24. Pen Air Federal Credit Union
Pen Air Federal Credit Union was founded in 1936 to support civil service employees of Naval Air Station Pensacola. It has 16 locations in northwest Florida and southeast Alabama. You may be surprised to learn that you don’t have to be an active duty or retired military member to join.
You’ll be able to take advantage of Pen Air Federal Credit Union if you become a member of the Friends of the Navy-Marine Corps Relief Society and deposit a minimum of $25 into a savings account. As a member, you can enjoy the Pen Air Platinum Mastercard, Share Savings account with the Round It program, and more.
25. State Department Federal Credit Union
State Department Federal Credit Union was founded in 1935. To join, you can become a member of the American Consumer Council for $8. This is a non-profit organization with a focus on consumer education and financial literacy.
The State Department Credit Union offers a long list of products and services, including basic, advantage, and privilege checking, a money market account, share certificate accounts, individual retirement accounts (IRAs), credit cards, and loans.
26. United Nations Federal Credit Union
United Nations Credit Union made its debut in 1947. As long as you join the United Nations Association of the United States of America, you can become a member.
UNFCU has a vast product lineup that includes a checking account, membership savings account, credit cards, debit cards, and loans, like car loans and debt consolidation loans.
Other membership perks include loyalty rewards, credit card rewards, and the member referral program.
27. Premier Members Credit Union
Premier Members Credit Union was established in 1959 for members of the Boulder Valley School District. You’re eligible to join if you make a donation to Impact on Education, a charity in the Boulder Valley School District, and open an online savings account or youth savings account.
As a member, you can expect perks, such as high interest rates on checking accounts, no monthly service fee, no overdraft fees, and free overdraft protection. The credit union also offers an extensive network of branches and ATMs for your convenience.
28. SRI Federal Credit Union
SRI Federal Credit Union is headquartered in Menlo Park, California. It was founded in 1957 and offers membership to anyone who joins the Financial Fitness Association for $8 per year.
The credit union’s account offerings include a checking and savings account, money market account, IRA, health savings account, and youth, teen, and gradate accounts.
29. United States Senate Federal Credit Union
United States Senate Federal Credit Union has been around since 1935. Its mission is to “improve the financial wellness of members throughout all stages and circumstances of life.” Its products are similar to what most credit unions offer.
As a member, you can enjoy access to a number of checking and credit union savings accounts, mortgage loans, personal loans, auto loans, Visa debit cards, and business advisory services. To join, you’ll need to become a member of the U.S. Capitol Historical Society for $65.
30. Wings Financial Credit Union
Wings Financial Credit Union was founded in 1938 by seven employees from Northwest Airlines. To date, it serves more than 320,000 members with more than $7.5 billion in assets. You can join if you donate $5 to the Wings Financial Foundation, even if you don’t work in the aviation industry.
There are no fees on its basic banking accounts, including its checking and savings accounts, a money market account, and CDs. Its high yield savings and checking accounts offer competitive rates to help you grow your money.
31. Skyward Credit Union
Skyward Credit Union was chartered in 1941. It offers a share savings account with competitive rates, an aim higher checking account with no monthly fees or minimum balance requirements, affordable mortgage and home equity loans.
It also offers online banking, a variety of insurance products, and access to over 30,000 surcharge-free ATMs. Like most credit unions require membership, so does this one. To become a member, join the Kansas Aviation Museum.
32. San Diego County Credit Union
San Diego County Credit Union has been around since 1938 and has over 430,000 credit union members. It’s considered the largest locally owned financial intuition in San Diego.
As a member, you can enjoy a free checking account, secured and unsecured credit cards, a wide range of account options with no service fees, and access to over 30,000 ATMs without ATM fees. To join San Diego County Credit Union, become a member of the Financial Fitness Association.
33. Bellco Credit Union
Bellco Credit Union is a Denver-based credit union that opened its doors in 1936. You can join it even if you don’t live in Colorado as long as you donate at least $10 to the Bellco Foundation, pay a one-time $5 membership fee, and deposit at least $25 in a savings account.
Once you do, you’ll have access to several noteworthy products, like the Boost Interest Checking account, which offers a competitive interest rate, the Premier Money Market Account, and two, no-fee credit cards.
34. Bethpage Federal Credit Union
Bethpage Federal Credit Union was founded in 1941 and currently has over 30 branches across Long Island and New York City. It has a reputation for competitive rates on it money market accounts and certificates of deposit (CDs).
The credit union also offers three checking accounts, a few savings accounts, retirement planning services, IRAs, insurance, and more. You don’t have to live in New York to join if you open a $5 savings account. As a member, you may meet with credit union staff virtually and bank on the go with a handy mobile app.
35. First South Financial Credit Union
First South Financial Credit Union opened its doors in 1957 to serve those on the Millington base. Since then, it has become of the safest financial institutions in the U.S., as stated by independent rating agencies. While the credit union has locations throughout Tennessee and Mississippi, its online banking services make it a suitable option if you live elsewhere.
Like other credit unions, it offers a full suite of checking, savings, CDs, and IRA accounts. To join, become a member of the Courage Thru Cancer Association, which supports St. Jude Children’s Research Hospital.
36. Dow Credit Union
Dow Credit Union was founded in 1937 in Midland, Michigan. It provides numerous products, including checking and savings accounts, certificates of deposit (CDs), HSAs, deposit trust accounts, and loans.
Fortunately, you don’t have to work at Dow Chemical to take advantage of them. To join, make a $10 donation to the Dow Chemical Employees’ Credit Union Endowed Scholarship Fund.
37. Blue Federal Credit Union
Blue Federal Credit Union was chartered in 1951 as Warren Federal Credit Union. If you’re looking for a high-yield checking account, you’ll appreciate its Blue Extreme Checking Account with no minimum opening deposit or monthly service fees.
Other perks include a tiered membership rewards program and round-the-clock customer service. The easiest way to become a member is to donate $5 to the Blue Foundation and open a Membership Share Savings Account with $5.
38. Digital Federal Credit Union
Digital Federal Credit Union (DCU), based in Marlborough, Massachusetts, was established in 1979. Today, it is known for its comprehensive range of financial products that includes checking and savings accounts, auto loans, mortgages, personal loans, credit cards, and wealth management services.
Perhaps one of DCU’s standout features is its commitment to digital banking, offering robust online and mobile platforms that compete with larger, nationwide banks. This makes DCU a fitting choice for those who prefer online banking, no matter where they live.
Membership is open to those who are a part of participating organizations or live, work, worship, or attend school in eligible communities. If you don’t fit those criteria, you can still join by becoming a member of a participating nonprofit organization, such as Reach Out for Schools, which requires a nominal donation.
See also: Best Nationwide Credit Unions of 2023
Bottom Line
Not all credit unions are created equal. Some have strict membership criteria, while others are more flexible. Before you join a credit union (or several credit unions) on this list, be sure to consider numerous factors.
You’ll want to look at eligibility requirements, branch location, monthly maintenance fees, accounts offered, interest rates, mobile banking, digital banking, reputation, and customer service. Best of luck as you explore the best credit unions and search for the perfect credit union.
Frequently Asked Questions
Can civilians join Navy Federal Credit Union?
Yes, civilians can join the Navy Federal Credit Union (NFCU), the largest credit union in the U.S. However, this is limited to immediate family members of service members in all branches of the armed forces. This broad eligibility criteria is one of the reasons why NFCU has grown to be the largest credit union in the country.
Can anyone join American Airlines Credit Union?
No, not anyone can join the American Airlines Credit Union. Membership is limited to those who work in the air transportation industry, including airlines, airports, and related businesses, as well as their family members. While this broadens the scope beyond just American Airlines employees, it still doesn’t include everyone.
Editor’s note: This is a recurring post, regularly updated with new information.
Last year, an average of over one in five flights were delayed, and about 2% were canceled. While that means most flights went out on time, millions and millions of travelers still found themselves not flying when they hoped.
Another busy travel season is upon us. When flight delays and cancellations do happen, there may not be a ton of additional seats available to simply hop on the next flight in some situations.
Here are tips on how to decrease your chances of getting stuck and increase your chances of arriving at your destination as quickly as possible, even if you get the unwelcome news that you are facing a flight delay — or worse.
How to find out if your flight might be delayed
In the current era of full flights and easily available information, don’t wait for the airline to tell you there is a problem.
You can keep an eye on general flight trends across the country on FlightAware, which gives you a good overview of how a day in the sky looks.
This page focuses on delays. Manually check the status of your flight on your airline’s website in the 24 hours leading up to travel. Also, check where the plane is coming from, if possible.
UNITED.COM
Also, opt in to flight notifications with your airline and download the carrier’s app on your phone. Here are details on that process with American Airlines and United Airlines. You’ll likely have more up-to-date flight departure information from your airline’s mobile app than what’s reflected on the airport departure and arrival boards.
You can also get flight status updates sent directly from FlightAware.
Sign up for our daily newsletter
When to arrive at the airport if your flight is delayed
PEOPLE IMAGE STUDIO/SHUTTERSTOCK
This can be a tricky one. If your flight is still listed as “on time” when you check the app, leave for the airport according to the original schedule.
Even if your flight shows as delayed in the app, it can be subject to change. It’s best to be at the airport ready to go at the originally scheduled time in most cases. We’ve certainly heard stories where the flight is suddenly ready to go sooner than expected, leaving some passengers behind. Sometimes you’ll receive confirmation well in advance that the flight will be significantly delayed. However, it’s safer to be at the airport, just in case.
Bad weather will sometimes cause a temporary ground stop at the airport. As soon as the weather gets better, the stop is lifted, and airlines try to get their flights off the ground ASAP.
Related: 3 things to do if your flight is delayed
What to do if there is bad weather
Monitor weather patterns starting a few days before your flight to see if any major systems are anticipated. It’s then vital to check the forecast on the night before and the day of travel to see how any issues could affect your departure and arrival airports.
Again, be sure to opt in for updates on your flight’s status. If you know bad weather is coming later in the day, ask for an earlier flight if you can. Alternatively, if you leave the night before, that’s a good idea, too.
BYCHYKHIN OLEXANDR/GETTY IMAGES
More and more airlines are allowing travelers to change plans with no fare difference prior to severe weather problems, like impending blizzards, ice storms or even heavy thunderstorms. Some will even proactively change your flight for you.
If you know bad weather is on the horizon, either go to your airline’s website and look for an advisory notice or call the airline to talk about options. If an airline gets ahead of weather issues, you may be able to reschedule your flight by a few days in either direction with no fees. Additionally, you can try asking for a nonstop flight if the weather is putting your connecting flight in jeopardy.
However, if the airline hasn’t issued its own advisory, you could have to pay out of pocket for any fare differences if you really need to get where you are going.
Related: How the weather affects your flight — the atmosphere and winds
What to do if your flight is delayed or canceled
If a flight delay happens and you want an alternative to waiting it out, check the airline’s app or in-airport kiosk for rebooking options. You don’t have to stand in line to talk to a real person in many cases, as you can self-service the rebooking with most major airlines. In fact, it may be faster to do it online or at a kiosk in the airport — and speed matters. You may be able to rebook at a new flight time or even to a new “nearby” origin or destination city.
There are times when automated rebooking systems are not your best option, though. Sometimes, the only automated option is for a red-eye flight or a future flight heading to your destination more than two days later. That’s especially true with flights as full as they are right now.
If you can’t find what you need online, find an airline employee who knows how to work the ticketing desk. Look at their uniforms and name tags to ensure you get a ticket agent and not a baggage handler or similarly outsourced contractor.
If the U.S. call center has a long hold time (which happens during widespread issues), you can try dialing an international number for faster service. You might also find success reaching out to an airline on Twitter, via chat or other social media channels when customer service lines are busy.
For example, when the first leg of an American Airlines flight from New York City to Arkansas just before Christmas was delayed, TPG editor Madison Blancaflor missed her connection.
She reached out to American Airlines on Twitter to help ensure she was rebooked on the earliest possible flight. She still had to endure a long layover in Charlotte, but it was better (and less stressful) than rushing to the customer service desk to try and rebook upon arrival in Charlotte.
If there are no reasonable booking options left with your carrier, ask if there are options on another airline. If the delay is weather-related, and you are on a basic-economy ticket or are flying on a low-cost carrier, there might not be other airline options at your fingertips. Still, it’s worth asking and — if possible — presenting available options you have researched yourself.
Related: Top tips to get through to airline customer service faster
Retreat to a lounge
If you have airline club access at a United Club, Delta Sky Club or similar, you can head there for help from experienced agents with potentially shorter lines. Use it as a spot to gather your thoughts, charge your phone and make level-headed decisions. The agents there might be able to help you change or track your flight.
In third-party lounges, such as an American Express Centurion Lounge, you won’t be able to get that type of airline-specific assistance, but you’re still probably in a better spot to wait out the storm than in a crowded terminal.
Related: Best credit cards for airport lounge access
Rebook your flight
Sometimes, if you really need to get home, you may need to do the work and layout for the expenditure for a new flight yourself.
During a delay while traveling from Orlando to Houston when my original carrier couldn’t get me home for more than 24 hours after my initial flight was canceled, I found a nonstop Southwest Airlines flight with one last seat available for $463.
Even though rebooking yourself will not typically be covered by any insurance or carrier, I went for the Southwest option and got my original United ticket refunded, which at least offset some of the pain of a new ticket. In my case, it was worth controlling my own destiny and not being stuck.
Your credit card’s built-in trip delay or trip cancellation coverage can help with many unexpected expenses in the face of delays and cancellations, but a brand-new flight home isn’t likely to be one of them. Still, in some cases, it may be the only way home for a while, so you’ll have to weigh the pros and cons.
Related: When to buy travel insurance vs. when to rely on credit card protections
Check airport hotels
While thinking through what to do in case of a flight delay or cancellation, consider your options at airport hotels, which can fill up if there are major delays and cancellations. Sometimes, it is best to pull the plug on getting home that day, get some good rest and try again in the morning.
Airport hotels are generally pretty affordable on points, although cash rates can skyrocket when demand surges. Accommodations are typically covered by trip delay protection, offered by cards like the Chase Sapphire Reserve and The Platinum Card® from American Express.*
* Eligibility and benefit level vary by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
The Hyatt Regency Orlando International Airport. SUMMER HULL/THE POINTS GUY
Show up early for standby flights
If you know in advance that your flight is canceled or delayed, heading to the airport early could score you a same-day standby flight that gets you to your destination early.
For example, a TPG staffer was able to use this strategy to avoid getting stuck overnight when a hiccup with his flight from Austin to New York City would have caused him to miss a connection in Dallas. Since he had A-List status with Southwest, he showed up at the airport a bit earlier and did a free same-day standby onto an earlier flight that connected to a different city. His A-List status bumped him to the top of the standby list and onto the flight.
Getting on the standby list isn’t a foolproof method, especially if the earlier flight is almost full. This is a case where having elite status can help since you’ll have priority over non-elite travelers. Additionally, some airlines charge a fee for non-elite travelers to get on the standby list for an earlier flight.
Related: Best credit cards for airline elite status
How to get a refund or flight compensation
If you decide not to fly your originally scheduled flight in light of major delays and cancellations, get your money or points back. Do not settle for an airline voucher that may be hard to use and eventually expire.
You may have a cancel-and-refund option available to you online or in the airline’s app. If not, you can ask an airline employee for assistance in person or over the phone. Just be sure to cancel your original flight before its eventual departure so you can get the money or miles (hopefully) returned.
Know your rights and take stock of your credit card protections. You’ll have to read some fine print, but you may be entitled to accommodations, credits or expense reimbursement by the airline or from your credit card (usually depending on the length of your delay and the reason for delay or cancellation).
Many travel credit cards offer trip delay insurance that can save you money when you’re stuck somewhere. While it won’t help you avoid cancellations or delays, it could help you cover expenses while you wait for your flight.
Related: You are entitled to a refund for your canceled flight — even if the airline says you aren’t
Cards that provide travel protection
WYATT SMITH/THE POINTS GUY
There are many rewards credit cards that help confer valuable travel protections when you do have a delayed or canceled flight (if you used them to book your flight). Below are just a few examples of cards that provide some built-in coverage:
Chase Sapphire Reserve: Provides a $300 annual travel credit, up to $20,000 in trip cancellation coverage, up to $75,000 in car rental coverage, trip delay benefits of up to $500 per person that kick in starting at a six-hour delay and more.
Chase Sapphire Preferred Card: The Chase Sapphire Preferred includes trip cancellation and interruption insurance, trip delay reimbursement, emergency assistance services and more.
American Express Platinum: In addition to the extensive lounge benefits and up to $200 in annual airline fee credits, the Platinum card also provides trip cancellation and interruption insurance for up to $20,000 of a covered trip and incident.
Make a decision
Last but not least, we don’t recommend being too indecisive in the face of delays and cancellations. If you are, expect your options to dwindle. Once you finally decide to wait it out or try and switch flights, you will be at the mercy of whatever options the airline has to offer … which may not be great.
As you wait, flight options are likely to disappear as hundreds (or thousands) of other passengers beat you to rebooking. Weigh your realistic options and make a quick decision if you want to keep some control of your schedule.
If you’re OK getting stuck somewhere for a bit or taking a creative route home, waiting for the airline to direct you is a feasible option. Just don’t stress about your decision once you make it.
Your credit card’s built-in travel protections may cover unexpected expenses not covered by the airline (such as a hotel for an overnight weather delay, though not a new flight) if you get stuck during your journey.
In my Orlando example, my original flight was stuck in Denver with a five-hour weather delay, so the odds of that flight getting me where I needed to be that day didn’t seem great. When I didn’t clear standby on the other United flight to Houston from Orlando that night, I made a decision and stuck with it.
I left the terminal and headed to my new Southwest flight in another terminal (Clear and PreCheck helped with that quick transition). Yes, that choice cost me a new flight home, but I had to make that call right then or roll the dice on my United flight making it out that day.
I wasn’t in a gambling mood when it came to getting home, and I understood the out-of-pocket implications.
SUMMER HULL/THE POINTS GUY
Bottom line
Most of the time, your flight will get you where you need to be close to when you want to be there. Still, flight delays and cancellations happen.
If your flight is delayed by an hour or two, there’s not usually much to do other than be patient. However, when facing a long delay or cancellation, it’s good to have a plan to reduce the odds of getting stuck.
Given the common theme of full passenger loads on flights these days, acting quickly, researching options and making a speedy decision will put you ahead of the pack.
Related: Best credit cards that offer trip delay reimbursement
Additional reporting by Melissa Klurman, Kristy Tolley, Victoria Walker, Madison Blancaflor, Benji Stawski and Benét J. Wilson.
With international airfare up 20% compared to last year, a business-class fare deal to Europe, with availability this summer, is absolutely amazing.
Fares from across the U.S. to Italy, France, Spain, Germany, Switzerland and Belgium start as low as $2,400 round-trip.
Deal basics
JAMES O’NEIL/GETTY IMAGES
Airlines: American, United, Delta, Air Canada, Lufthansa, British Airways and TAP. Routes: From Chicago, Dallas, Houston, New York, Miami, Baltimore, Washington, Los Angeles and others to Europe. How to book: Browse Google Flights and book directly with the airline. Travel dates: May through December 2023 and January through March 2024; exact availability depends on the route. Book by: ASAP.
Going, formerly known as Scott’s Cheap Flights, originally discovered this deal. Sign up for Going to get deals up to 90% off via its Premium membership, which users can try for free for 14 days and then $49 per year. You can also upgrade to the Elite membership for $199 per year and receive all the Premium deals plus premium economy, business-class and first-class alerts.
Sample routes
The following flights were priced as listed at the time of publication. We cannot guarantee the below round-trip flights will be available when you book.
To Rome Fiumicino Leonardo da Vinci Airport (FCO), from:
San Francisco International Airport (SFO), starting at $2,515.
Los Angeles International Airport (LAX), starting at $2,809.
George Bush Intercontinental Airport (IAH), starting at $2,814.
Seattle-Tacoma International Airport (SEA), starting at $2,916.
To Paris-Charles de Gaulle Airport (CDG), from:
SEA, starting at $2,650.
SFO, starting at $2,677.
To Brussels Airport (BRU), from:
Sign up for our daily newsletter
Newark Liberty International Airport (EWR), starting at $2,028.
Miami International Airport (MIA), starting at $2,226.
William P. Hobby Airport (HOU), starting at $2,379.
O’Hare International Airport (ORD), starting at $2,416.
To Geneva Airport (GVA), from:
LAX, starting at $2,305.
Hartsfield-Jackson Atlanta International Airport (ATL), starting at $2,315.
Austin-Bergstrom International Airport (AUS) and Minneapolis−St. Paul International Airport (MSP), starting at $2,320.
SFO, starting at $2,381.
HOU, starting at $2,391.
IAH and Denver International Airport (DEN), starting at $2,417.
To multiple airports in Germany, from:
LAX or SEA to Frankfurt Airport (FRA), starting at $2,380.
IAH to FRA, starting at $2,437.
DEN to FRA, starting at $2,438.
HOU to Munich Airport (MUC), starting at $2,449.
DEN or LAX to MUC, starting at $2,484.
IAH to MUC, starting at $2,484.
Dallas Fort Worth International Airport (DFW) to FRA, starting at $2,619.
SEA, starting at $2,660.
Since this deal includes round-trip flights on multiple airlines, be sure to book with each airline directly and review the terms and conditions of the fare type, as they vary by carrier.
For example, most major airlines’ business-class fares on flights from the U.S. to Europe feature lie-flat seats, but not all. Most bigger carriers do, but some older planes might not have the most up-to-date seats, so be sure to check the details for the aircraft listed for your specific flight before you book.
Maximize your purchase
Don’t forget to use a credit card that earns bonus points on airfare purchases, such as:
Bottom line
PIDJOE/GETTY IMAGES
This is an opportunity to save up to 50% off round-trip business-class flights to Europe. Run, don’t walk to catch this deal before it flies away.
Save more, spend smarter, and make your money go further
If you haven’t taken a cruise lately, you might be surprised by the variety of offerings now available. No longer are cruises the sole province of greasy buffets, cheesy dance contests and screaming kids – some of the newer ships are downright luxurious, offering five star dining created by celebrity chefs and onboard activities to rival the fanciest resort. But don’t take my word for it. Here are some down and dirty tips on how to score a cruise vacation so cheap, you’ll almost feel like you took advantage of the cruise company.
Don’t Book in Advance
No, that’s not a typo. I said don’t book in advance. Unlike the airlines, the best cruise deals are usually available at the very last minute. That’s because also unlike the airlines, most people don’t take last minute cruises. (Last minute business trips or hurried flights to see a sick relative mean airlines can afford to jack up prices for people who need to travel immediately.)
But cruises are vacations. People don’t need to scurry last minute, and in fact, they usually have to plan time off work pretty far in advance. That means cruise ships with unsold capacity a few days prior to sailing need to dump it pronto, because they’re unlikely to get a last-minute rush of passengers.
So when is the ideal time to buy? As close to departure as you can. Cruise lines will usually start lowering prices 4-8 weeks prior to sailing, but it’s during the last week or two that you’ll really see prices plummet by over 50%. The cruise companies offer unsold inventory to their employees a week before the cruise. That means anything that does not sell after that goes on an absolute fire sale. The craziest deals are available 2-7 days before departure. We recently scored a 5-night Western Caribbean cruise for $149 by purchasing 4 days out. The original price was $329.
Long Cruises – and Trans-Atlantics
The best deals are often on longer cruises, because most people can’t afford to take off a week or more at a time. In fact, you’ll sometimes find 7+ night cruises selling for the same (or just a bit more) than shorter ones.
But the most screaming deals are on Trans-Atlantic trips. True, these sailings mean a lot of time at sea, but they can sometimes sell for less than 3-night cruises. We recently booked a 13-night trip from Fort Lauderdale to Barcelona for just $369. An 11 night from Miami to Southampton, England was on sale a few weeks ago for about $400.
Heck, you’d probably spend that much money on food, alone. You’re basically getting the transportation, lodging, and entertainment for free. And how many people get to say they crossed the Atlantic by sea, stopping in unusual ports like the Azores or Tenerife?
Senior, State Resident, Military and Police Discounts
Most cruises will offer hefty discounts for senior citizens, members of the military, police officers and state residents of the port of departure. But the best news is that depending on how and where you book, these discounts often apply to everyone traveling in the same room –even if only one person qualifies for the discount. Since some accommodations can fit up to four travelers, that means big savings for your party.
Choose the Big Ships
When people book cruise vacations, they usually look at the dates and itineraries first. But checking out the ship’s capacity can yield even bigger benefits. First, the ship is likelier to be newer or offer more restaurants and amenities. More importantly, the extra capacity means more rooms to sell – and the potential for cheaper prices. When comparison shopping, start with the bigger ships first. They’re the likeliest to offer lower-priced fares when compared to smaller ships on similar itineraries.
Mileage & Point Conversions
Got any unused airline miles or hotel, credit card or Amtrak points? Most of these can be readily converted into cruise credits. Depending upon the program, you can either convert into a cash-equivalent or a voucher specifically for cruise purchases. On many major airline programs, 10,000 miles are usually the equivalent of a $100 cruise credit.
Share your tips of how you saved on your last vacation or cruise below. Bon voyage!
Save more, spend smarter, and make your money go further
Previous Post
5 Easy Ways to Save More Money
Next Post
Take the Day off from Spending this Labor Day
Mint is passionate about helping you to achieve financial goals through education and with powerful tools, personalized insights, and much more. More from Mint
New Zealand has long been on my bucket list, so when the opportunity to spend a night in Auckland presented itself, I jumped on it.
Although I would have liked to stay longer than 24 hours, I thoroughly enjoyed my time at the Park Hyatt Auckland. Given the property’s modern feel and its relatively cheap cost in points, I’ll absolutely be returning.
Booking
There aren’t that many Park Hyatts in the world; fewer than 50 are either open or being built. The Park Hyatt Auckland is a great deal when it comes to these top luxury properties.
As a World of Hyatt Category 5 hotel, a night here can cost as few as 17,000 Hyatt points at off-peak times. I spent 20,000 points for a standard night. The room I booked would have cost just over $400 in cash.
If you have Globalist elite status with Hyatt, you might get upgraded when you visit, as I did. Although the hotel was almost fully booked, I was able to score an upgrade to the best-available room, which featured a harbor view and a balcony.
🤓Nerdy Tip
The Park Hyatt Auckland levies additional charges on payments made with credit or debit cards. In this case, I would have paid a 2% surcharge if I hadn’t used points to book.
Location
(Photo courtesy of Carissa Rawson)
The Park Hyatt Auckland is centrally located on the city’s famous harbor. Several shops, boats, cafes and more are within walking distance, making it a great option for those without a car.
Accommodation
(Photo courtesy of Carissa Rawson)
My room was ready when I arrived at the hotel just after noon, a few hours before standard check-in time. It looked to be among the first they’d cleaned, and I was thrilled not to have to wait around in the lobby, even though it looked very sleek.
The room included state-of-the-art features such as automated window shades and external screens on the balcony. And the view was incredible.
(Photo courtesy of Carissa Rawson)
The room featured one large king bed, a separate table with a chair, and a seating area.
(Photo courtesy of Carissa Rawson)
There was also a paid minibar at the entrance, though I didn’t partake.
The large balcony had a nice table with a couple of chairs, though the low height meant staring through the fencing, which was awkward.
(Photo courtesy of Carissa Rawson)
Inside the walk-in closet were a pair of robes and slippers, which I used while in the room.
(Photo courtesy of Carissa Rawson)
However, the most remarkable feature was the bathroom, which was separated into two distinct areas.
(Photo courtesy of Carissa Rawson)
The first area was a stand-alone powder room with its own sink and a toilet, while the main bathroom featured a huge soaking tub, two marble sinks and a shower.
(Photo courtesy of Carissa Rawson)
Toiletries in the bathroom were by Citron and Vetiver. I don’t often use hotel toiletries, as I find the quality pretty low (even at really nice hotels), but these smelled nice and were good enough to detangle my hair.
(Photo courtesy of Carissa Rawson)
I spent the majority of my time in Auckland in the room, catching up on work, so I deeply appreciated the chocolate bar left on the bed.
(Photo courtesy of Carissa Rawson)
A few minutes after I arrived, I was also surprised with a welcome amenity of Pavlovas with cream and lemon curd. It also included two additional bottles of water.
I’m not ashamed to say these freebies constituted my dinner for the evening, especially since the Park Hyatt Auckland doesn’t have its own executive lounge.
Food and beverage
Globalist members and their guests receive complimentary breakfast at Hyatt hotels, either in the club lounge or the hotel’s restaurant. As there was no club lounge, instead I enjoyed breakfast at Onemata, the hotel’s signature restaurant.
Globalist members are entitled to both the breakfast buffet and an entree from the menu, as well as hot drinks.
Breakfast hours vary based on the day:
Monday to Friday: 6:30 a.m. to 10:30 a.m.
Saturday, Sunday and public holidays: 7 a.m. to 11 a.m.
I’ll admit, I went a little wild.
(Photo courtesy of Carissa Rawson)
The buffet wasn’t huge, but it included high-quality items such as:
Smashed avocados.
Burrata with tomatoes.
Cold cuts.
Fresh fruits.
Chocolate milk.
(Photo courtesy of Carissa Rawson)
When was the last time your local breakfast buffet came with kiwifruit, a caprese salad, avocado toast and locally produced chocolate milk? I rate this one a 10 out of 10.
I also ordered eggs Benedict from the main menu, but didn’t end up eating much of it. I blame the chocolate milk.
The hotel also has a few other dining options, including a lobby bar and a quick-service spot:
The Living Room: Open 8 a.m. to 9 p.m.
The Pantry: Open 7 a.m. to 2 p.m., or 8 a.m. to 3 p.m., depending on the day of the week.
Captain’s Bar: Open 4 p.m. to 11 p.m. or midnight, depending on the day of the week.
The Living Room, which is essentially a lobby bar, looked like a great place to take in the view over drinks.
Otherwise, Onemata is also open for lunch and dinner.
Amenities
Pool
(Photo courtesy of Park Hyatt New Zealand)
The pool area isn’t huge, as you’d see at a resort hotel, but that’s expected given that you’re in the middle of a city. What it lacks in size, it makes up for with its great view.
The pool area is open from 6:30 a.m. to 9:30 p.m.
Gym
(Photo courtesy of Park Hyatt New Zealand)
For those looking to get in a workout, the hotel gym is open 24 hours and has a wide range of equipment, including treadmills, free weights and resistance machines.
How to get to the Park Hyatt Auckland
New Zealand is an interesting beast when it comes to flights. It’s decently connected to the U.S. with nonstop flights operated by Air New Zealand, United Airlines, Hawaiian Airlines and more.
If you’re looking to travel with points or miles, one solid option is using Virgin Atlantic points to fly on Air New Zealand. A one-way business class flight from the U.S. to Auckland costs 62,500 Virgin points. Although these seats can be hard to find, Virgin Atlantic points are easy to earn compared with other airline award currencies. They’re transfer partners with the following points programs at a 1:1 ratio:
The Park Hyatt Auckland is located about 13 miles from Auckland’s airport. Trains from the airport into the city stop a little over a half-mile from the hotel, but I opted to take a rideshare since I had luggage with me. The ride took about half an hour and cost around $35.
If you’re looking to stay at the Park Hyatt Auckland
I spent just over 24 hours at the Park Hyatt Auckland, and I was very impressed overall. Although I didn’t manage to snag a suite upgrade, the modern amenities and generous breakfast made it well worth my while.
Coupled with the incredible location and reasonable cost in points, this is one property I’ll be happy to revisit.
(Top photo courtesy of Hyatt)
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023, including those best for:
Editor’s note: This is a recurring post, regularly updated with new information and offers.
Southwest Rapid Rewards Premier Credit Card overview
The Southwest Rapid Rewards Premier Credit Card is the middle of the pack for Southwest personal credit cards. While airline credit cards generally don’t have too many perks, the absence of foreign transaction fees and 6,000-anniversary bonus points should help offset this card’s reasonable $99 annual fee. Card rating*: ⭐⭐⭐½
*Card Rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
Savvy TPG readers know we generally don’t recommend building your points strategy around a single cobranded airline credit card, as these tend to offer fewer perks and less flexibility than a comparably-priced transferable points card.
When it comes to the Southwest Rapid Rewards card portfolio, you’ll generally find better earning rates and more flexible redemption options with cards that earn Chase Ultimate Rewards points — such as the Chase Sapphire Preferred Card — which you can then transfer to Southwest Rapid Rewards at a 1:1 rate.
That said, Southwest credit cards are very popular among Southwest fans. The mid-tier version of the three personal Southwest cards — the Southwest Rapid Rewards Premier Credit Card — has a good balance of perks and an annual fee that could make it worthy of a spot in your card collection.
Here’s everything you need to know about the Southwest Premier Card to help you decide if it should earn a spot in your wallet.
ROBERT ALEXANDER/GETTY IMAGES
Southwest Rapid Rewards Premier Credit Card welcome offer
New applicants for the Southwest Premier card can earn 60,000 bonus points plus a 30% off promo code after spending $3,000 on purchases in the first three months from account opening.
TPG values Southwest Rapid Rewards points at 1.5 cents apiece, making the 60,000 points alone worth $900. While you can redeem points in several ways, the best value will come from using them for flights.
This is also the first time Southwest has offered a promo code as part of a sign-up bonus on a credit card. The code will appear directly in your Southwest.com account within eight weeks of meeting the spending requirement. It can be used — only once — on a single one-way or round-trip Wanna Get Away, Wanna Get Away Plus, Anytime and Business Select fare, and is available for use until October 31, 2024.
Sign up for our daily newsletter
Given it is a single-use promo code, it would be best to save this for a more expensive ticket. You’ll get the biggest savings when using the code for round-trip travel and/or during peak travel periods like the summer or the holidays.
Keep in mind that you can’t earn a sign-up bonus on the Southwest Rapid Rewards Premier Credit Card if you currently have any personal Southwest card, nor are you eligible if you earned a sign-up bonus on a personal Southwest card in the past 24 months.
Also, all of Southwest’s cobranded cards are subject to Chase’s 5/24 rule. If you’ve opened five or more new accounts over the past 24 months (across all issuers, not just Chase), you’re likely to be denied for this card.
Related: The ultimate guide to credit card application restrictions
Earning points on the Southwest Rapid Rewards Premier Credit Card
Most airline credit cards award bonus points or miles for purchases directly with the carrier, and that’s certainly true here: You’ll earn 3 points per dollar spent with Southwest on the Premier Card.
However, it also has some other enticing bonus categories: You’ll earn 2 points per dollar spent on local transit and commuting purchases, internet, cable and phone services and with select streaming providers. You’ll earn 1 point per dollar on all other eligible purchases.
This amounts to a 4.5% return on spending with Southwest and a 1.5% return on everyday spending, according to our valuations.
ZACH GRIFF/THE POINTS GUY
Redeeming points on the Southwest Rapid Rewards Premier Credit Card
When it’s time to use your rewards, one of the best things about redeeming Southwest Rapid Rewards points is the simplicity of the process. Whether you select the cheapest Wanna Get Away fares or the most expensive Business Select tickets, the cost of your award ticket is tied to the cash price of the flight.
This means you don’t have to worry about getting the highest possible cent-per-point redemption value. If you have Rapid Rewards points, you can redeem them for gift cards or merchandise, but the best value comes from using your points for Southwest flights — including options to Hawaii and international destinations.
Remember that Southwest’s policy of no change or cancellation fees means you can reprice your award ticket if the price drops. This offers valuable flexibility to get the best possible redemption.
Read more: How to change or cancel a Southwest Airlines flight
Southwest Rapid Rewards Premier Credit Card benefits
While you don’t expect an airline credit card with a $99 annual fee to come loaded with perks, there are quite a few benefits on the Southwest Rapid Rewards Premier Credit Card.
You’ll receive 6,000 bonus points on each account anniversary, which TPG values at $90 — meaning that the anniversary bonus nearly offsets the card’s $99 annual fee.
Also, you’ll enjoy additional benefits like two EarlyBird check-ins per year with the Southwest Premier Card — helping you get on the plane early to snag a better seat — and 25% back on inflight purchases.
WYATT SMITH/THE POINTS GUY
You may also be interested in earning Southwest A-List elite status to further enhance your travels with the carrier. Doing so requires completing 25 qualifying flights or earning 35,000 tier-qualifying points (TQPs) in a calendar year. You can earn bonus TQPs by spending on the Premier card: 1,500 TQPs for every $10,000 spent per calendar year.
Related: Battle of the airlines: Why I think Southwest Airlines is the best
Which cards compete with the Southwest Rapid Rewards Premier Credit Card?
The Southwest Premier card has two obvious competitors: the other Southwest credit cards from Chase. However, it’s worth also considering a general travel credit card with a similar annual fee to see whether this is better for your wallet. Let’s see how they stack up:
For more options, check out our full list of travel credit cards.
Related: Comparing the Southwest Rapid Rewards Priority, Premier, and Plus Credit Cards
Is the Southwest Rapid Rewards Premier Credit Card worth it?
The Southwest Premier card with a $99 annual fee is mostly offset by the 6,000 anniversary bonus points, which have a value of $90, according to TPG’s valuations. If you value its other perks at more than $9, that covers the annual fee. However, most Southwest loyalists should apply for the Priority card instead, as it has more benefits.
Bottom line
The Southwest Rapid Rewards Premier Credit Card can be a good option for frequent Southwest flyers. If you fly with Southwest occasionally, this card’s price point and perks could make it a good fit for your wallet without the higher price tag on other travel credit cards.
Official application link: Southwest Rapid Rewards Premier Credit Card
Additional reporting by Ryan Wilcox, Stella Shon, Christina Ly and Ryan Smith.
Editor’s note: This is a recurring post, regularly updated with the latest information.
If you’re having difficulty finding saver award availability with United Airlines, you’re not alone.
Ever since United MileagePlus scrapped its official award charts, saver awards (the seats that require fewer miles and are also available to partner airlines) have felt harder to find. Saver award space greatly affects the value of your award redemption, as dynamically priced awards can surpass 50,000 miles for a one-way domestic, economy-class flight (though even prices for saver seats are subject to devaluations — as we saw recently).
Today, we’ll explore an exclusive benefit that enables United MileagePlus elite members and eligible cobranded credit card holders to access hidden saver awards on United and United Express flights.
Who has access to United’s expanded saver awards?
KYLE OLSEN/THE POINTS GUY
There are two paths to access expanded saver awards on United flights: United cobranded credit cards and elite status.
If you’re the primary cardholder of a United Explorer Card, United Business Card, United Quest Card or United Club Infinite Card, you can access expanded economy-class saver awards, giving you access to the XN fare class. United releases more seats to the XN fare than the X fare (the standard fare class for economy-class saver awards).
United Premier Silver and Gold members have the same XN fare class access to expanded economy-class saver awards. In contrast, Premier Platinum, 1K and Global Services members also have access to expanded business- and first-class saver awards, with access to the IN fare class. As you may have expected, United generally releases more seats to the IN fare than the I fare (the standard fare class for business-class and domestic first-class saver awards).
The expanded saver award benefit is only eligible for MileagePlus reservations, so even if you’re a United cardholder or Premier member, you can’t unlock additional award availability when booking through a partner like Air Canada Aeroplan or Turkish Airlines Miles&Smiles.
Related: The best websites for searching Star Alliance award availability
Sign up for our daily newsletter
Searching for expanded saver award availability
If you’re an eligible United credit card holder or Premier member, go to united.com and sign into your MileagePlus account. Once you’ve signed in, enter your search details. You’ll see “Special member pricing” listed under the flight number and the price slashed out when there’s an XN fare available.
UNITED.COM
However, non-cardholders will see this flight price as follows.
UNITED.COM
Here’s how it looks when there’s an IN fare available. Again, the IN fare is only available to Premier Platinum, 1K and Global Services members.
UNITED.COM
For those with no status (or lower-tier Premier Silver or Premier Gold status), that 80,000-mile price for business class won’t appear.
Note that you must log in to see any applicable discounts, but there is a different way to check this inventory.
Another way to see XN and IN fares
If you want to know if your flight has XN or IN fare space, you’ll need to enable “expert mode.”
Once you’ve enabled expert mode, you can search for a cash ticket and see the available fare classes by selecting “Details” under your desired flight.
UNITED.COM
“XN9” means nine or more economy-class saver award seats are available for eligible cobranded card holders and Premier members. “X0” indicates there are no standard economy awards, which means a general MileagePlus member without an eligible cobranded card would need to pay a higher price. Additionally, this means that this flight can’t be booked using a Star Alliance partner award currency.
Here’s the same search for the flight from Berlin Brandenburg Airport (BER) to Washington’s Dulles International Airport (IAD).
UNITED.COM
Note that “IN9” means that there are at least nine seats available for travelers with Premier Platinum (or higher) status, whereas “I0” means that no saver-level awards are open for other travelers.
Related: Last-minute strategies for earning United Premier elite status
Waitlisting business- and first-class saver awards
United Polaris sundae. KYLE OLSEN/THE POINTS GUY
Few know about this, but you can join a waitlist for business-class saver awards if there is saver availability in economy class. According to United’s air award rules, you can call and book a coach award at the business saver level while being waitlisted for a business-class seat.
Once on the waitlist, you should receive an upgrade if a business-class (or domestic first-class) seat becomes available as a saver award. If your upgrade doesn’t clear before check-in, you will be prioritized toward the top of the upgrade waitlist. Technically, it’s not considered an upgrade since you have already redeemed the required miles for the higher fare class.
This greatly improves your chances of being cleared for the next class of service. If your upgrade doesn’t clear, any additional mileage initially used for the business-class seat will be refunded to you.
Bottom line
If you’re having issues finding saver award space, an eligible United credit card might help you unlock more value from your miles. With the enhanced availability of saver awards and the option to join the waitlist for saver business class, United’s cobranded credit cards and elite status play a crucial role in maximizing your miles.
A summer vacation can feel like a seasonal rite of passage — a sacred time to break away from the demands of everyday life in favor of fun and relaxation.
But summer can also be an expensive time to travel, which makes it hard to budget enough money for your vacation.
Though it’s best to pay in cash for nonessential travel, there are financing options available, including credit cards, “buy now, pay later” plans and vacation loans. Consider the interest rate and how long you’ll be in debt when deciding which to choose.
The challenges of budgeting for summer travel
Travel demand is in “near-record territory” with all indicators pointing to a “very robust summer leisure travel season,” the U.S. Travel Association, a nonprofit that monitors the U.S. travel industry, said in an email. According to the association, demand has driven up prices in sectors like airfare and lodging.
Even without higher prices, travel is tough to budget for, says Jake Northrup, a certified financial planner in Bristol, Rhode Island.
“Travel usually comes in big waves, and there’s just a lot of uncertainty as to what things will actually cost,” Northrup says.
Adrienne Davis, a certified financial planner in the Washington, D.C., area, says her clients often receive last-minute offers to go on trips with friends or family, which leads to a cash shortage.
“We don’t expect prices to be that high when it’s time to book,” Davis says. “And if your money is already allocated on a month-to-month basis, it’s like, ‘Wow, where am I going to get this extra $500 or $1,000?’”
Northrup and Davis emphasize it’s best to avoid taking on debt for a vacation. But because a trip can mean precious time with loved ones or an enriching personal experience, it’s reasonable to explore your options.
“I certainly understand sometimes the best decision that you can make is not the most financially optimal one, and that’s OK,” Northrup says.
Credit cards, ‘buy now, pay later’ and vacation loans
Davis prefers a credit card if you must finance a trip because you’ll likely earn points or cash back, which can offset costs. Some cards come with protections, she says, like travel insurance.
But interest rates on credit cards are high, which is why Davis recommends getting a card with a 0% annual percentage rate and paying off the balance during the initial promotional period — typically 15 to 21 months — before regular interest kicks in.
Companies like Affirm and Uplift offer buy now, pay later plans for travel. These plans divide your purchase into equal installments that you pay over time, and interest rates vary.
Uplift partners with airlines, resorts and other travel companies, including some that offer zero-interest financing and terms up to 24 months, depending on the partner and loan amount. Affirm offers no-interest options with terms up to 60 months.
Northrup prefers buy now, pay later if it’s zero interest, but like any debt, it’s important to prioritize repayment to avoid fees or hits to your credit.
A travel loan, or an unsecured personal loan from a bank, an online lender or a credit union, is another option. These loans are larger, and rates vary based on your credit score and debt-to-income ratio. Repayment is typically two to seven years, so consider how long you want to be in debt after your vacation.
Saving for your next trip
Unpacking your bags after a trip with zero debt to repay is a great feeling. Here are tips for saving for your next vacation:
Start now: Time is your most valuable resource when saving. Start putting aside money now for next summer, even if you don’t have a trip planned, Davis says. By saving $85 per month, you’d have over $1,000 saved in a year.
Open a high-yield savings account: Davis and Northrup advise their clients to put travel-specific funds in a separate high-yield savings account. You’ll earn interest, and you won’t accidentally dip into the funds to cover other expenses.
Pick the destination last: Many travelers pick their destination first, then try to come up with the money. But you can reverse that process, Northrup says, by “backing into” the trip you want. See what you have saved, then choose a destination based on that figure.
This article was written by NerdWallet and was originally published by The Associated Press.