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With nearly 40 million residents, California is the most populated state in the U.S. It also boasts a robust economy and a gross domestic product (GDP) that is actually larger than many countries, including France and the United Kingdom. Whether you’re just starting out or looking for a change, California offers a wealth of job opportunities, along with average wages that often run higher than the national numbers. Read on to learn which jobs sit highest on the salary ladder in the Golden State.

Top-Paying Jobs in California

While California offers job opportunities in a wide variety of sectors, health care jobs offer the highest mean (or average) salaries in the state, according to recent data from the U.S. Bureau of Labor Statistics’ State Occupational Employment and Wage Estimates report. Jobs in the airline, business, tech, and legal fields also rank high on the list. If a good salary is important to you, check out this list of the 20 highest-paying jobs in California.

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1. Anesthesiologist

Average salary in California: $452,930

National average salary: $339,470

Educational requirements: To become an anesthesiologist, you need a four-year bachelor’s degree, followed by four years of medical school and a four-year residency program.

Anesthesiologists specialize in administering anesthesia to manage pain and ensure patient safety during surgeries. Their duties include selecting and administering medications, monitoring vital signs of the patient during procedures, and adjusting anesthetics as needed. They also collaborate with other physicians and surgeons and communicate with patients about pain management plans.

2. Cardiologist

Average salary in California: $389,120

National average salary: $423,250

Educational requirements: To become a cardiologist, you need a four-year bachelor’s degree, followed by four years of medical school, a three-year residency, and a three-year fellowship. To specialize further, you may need to complete a one-year advanced practice fellowship.

Cardiologists specialize in treating conditions affecting the heart and blood vessels, such heart disease, arrhythmias, and high blood pressure. To make a diagnosis, they may give physical exams and order tests such as an electrocardiogram (EKG). They also prescribe medicines, advise on diet and lifestyle changes, and can perform nonsurgical procedures (such as implanting a pacemaker or inserting a cardiac catheter).

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3. Orthopedic Surgeon

Average salary in California: $346,070

National average salary: $378,250

Educational requirements: To become an orthopedic surgeon, you need a four-year bachelor’s degree, followed by four years of medical school and typically a five-year residency. To specialize in a particular area (such as pediatric orthopedics), you also need to complete a one- to two-year fellowship.

Orthopedic surgeons specialize in diagnosing and treating conditions that affect the musculoskeletal system, which includes joints, bones, ligaments, muscles, and tendons. They treat injuries like fractures and dislocations, manage chronic conditions like arthritis, and perform surgeries such as joint replacements. They also recommend nonsurgical treatments like physical therapy to restore mobility and function.

4. Surgeon

Average salary in California: $340,260

National average salary: $343,990

Educational requirements: To become a surgeon, you need a four-year bachelor’s degree, followed by four years of medical school and a three- to eight-year surgery residency. Surgeons may also opt to complete a one- to three-year fellowship.

Surgeons perform operations on patients with injuries or illnesses. Their duties include reviewing X-rays, discussing procedures with patients, preparing for surgery, and completing surgeries with the help of other medical and surgical professionals. They also monitor and follow-up with patients after the surgery.

5. Ophthalmologist

Average salary in California: $324,270

National average salary: $312,120

Educational requirements: To become an ophthalmologist, you need a four-year bachelor’s degree, followed by four years of medical school and three to eight years of post-graduate training, including an internship and residency in ophthalmology.

Ophthalmologists diagnose and treat conditions that affect the eyes and vision. They perform routine eye exams, prescribe eyeglasses and contact lenses, and prescribe medications to treat eye conditions. They also perform surgeries to correct vision and treat eye conditions such as cataracts and glaucoma.

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6. Dermatologist

Average salary in California: $313,330

National average salary: $342,860

Educational requirements: To become a dermatologist, you need a four-year bachelor’s degree, followed by four years of medical school and a four-year residency. To specialize in a particular area (such as dermatopathology or pediatric dermatology), you also need to complete a one- to three-year fellowship.

Dermatologists are doctors who specialize in diagnosing and treating skin, hair, and nail conditions. They manage issues like acne, eczema, psoriasis, and skin cancer. They perform skin screenings, prescribe medications, and perform minor surgical procedures on the skin, such as biopsies and mole removal. They may also assist patients with cosmetic issues and concerns.

7. Psychiatrist

Average salary in California: $288,270

National average salary: $256,930

Educational Requirements: To become a psychiatrist, you need a four-year bachelor’s degree, followed by four years of medical school and a four-year residency. To pursue a subspecialty (such as addictions or geriatric psychiatry), you must also complete a one-year fellowship.

Psychiatrists are medical doctors that specialize in diagnosing and treating mental health disorders. They work closely with patients to address a wide range of mental health issues, from anxiety to severe psychiatric conditions. Treatments they offer may include medication, therapy, and behavioral interventions. They also monitor their patients over time, making adjustments to treatment as necessary.

8. Airline Pilot

Average salary in California: $286,040

National average salary: $250,050

Educational Requirements: To become an airline pilot, you typically need a minimum of 1,500 hours of recorded flight time. This includes at least 100 night hours, 500 cross-country hours, and 50 multi-engine hours. You may also have to pass a medical exam to prove they have the strength and stamina demanded by the job. All pilots must also have a Federal Aviation Administration (FAA) license.

An airline pilot flies a commercial aircraft that carries passengers and cargo from one location to another. In addition to operating planes safely, airline pilots have a range of other responsibilities. These include developing flight plans, conducting pre- and post-flight checks, monitoring equipment, communicating with air traffic control, coordinating with flight attendants, and filing status reports after each trip.

9. Obstetrician and Gynecologist (OB-GYN)

Average salary in California: $285,470

National average salary: $278,660

Educational Requirements: To become an OB-GYN, you need a four-year bachelor’s degree, followed by four years of medical school and a four-year residency.

OB-GYNs, also known as obstetrician gynecologists, specialize in female reproductive health. They provide a range of services, including obstetrics (care during pregnancy, childbirth, and postpartum) and gynecology (care for a woman’s reproductive organs and health). They play a key role in promoting women’s health across all life stages.

10. Chief Executive Officer (CEO)

Average salary in California: $281,030

National average salary: $258,900

Educational requirements: To become a CEO, you typically need a four-year bachelor degree. Many aspiring CEOs also pursue a master’s degree in business administration or their desired field, which typically takes two years to complete.

A chief executive officer, or CEO, is the top-ranking executive within an organization and is responsible for leading the company. Their duties include setting strategic goals, overseeing operations, communicating between board members and other company executives, and making key decisions that impact the company’s financial health and success.

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11. Internal Medicine Physician

Average salary in California: $275,110

National average salary: $245,450

Educational requirements: To become an internist, you need a four-year bachelor’s degree, followed by four years of medical school and a three- to four-year residency. To pursue a subspecialty (such as gastroenterology or infectious diseases), you also need to complete a two- to three-year fellowship.

Internists, also known as internal medicine physicians, specialize in providing general medical care for adult patients. Their duties include conducting physical exams, ordering bloodwork and other tests, analyzing data to make diagnoses, and prescribing medications and treatments. Internists also counsel patients about lifestyle changes that can lead to better health.

12. Pathologist

Average salary in California: $264,450

National average salary: $270,560

Educational requirements: To become a pathologist, you need a four-year bachelor’s degree, followed by four years of medical school and a three- to four-year residency. Many pathologists also pursue an additional one- to two-year fellowship in a pathology subspecialty.

Pathologists are doctors who specialize in examining tissue to diagnose diseases and determine how illnesses and injuries occurred. Their duties include collecting specimens, studying samples in the lab, and identifying the particular bacteria or virus that resulted in a patient’s symptoms. They also write reports and communicate their findings to the patient’s physician.

13. Radiologist

Average salary in California: $261,020

National average salary: $353,960

Educational requirements: To become a radiologist, you need a four-year bachelor’s degree, followed by four years of medical school and a four- to five-year residency. To pursue a subspecialty (such as musculoskeletal radiology or neuroradiology), you also need to complete a one- to two-year fellowship.

Radiologists are doctors who read and interpret images from diagnostic imaging procedures, such as X-rays, CT scans, MRIs, and ultrasounds. They use imaging results to diagnose disorders and injuries, and to help determine the best treatment. They communicate their findings to physicians and sometimes to patients and families. Some radiologists also treat conditions with radiation and perform image-guided procedures such as biopsies.

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14. Family Medicine Physicians

Average salary in California: $251,640

National average salary: $240,790

Educational requirements: To become a family medicine physician, you need a four-year bachelor’s degree, followed by four years of medical school and a three-year residency.

Family medicine physicians are generalists who provide comprehensive health care for people of all ages. Also known as primary care doctors, they provide or prescribe treatment, medications, and vaccinations; order and interpret tests; educate patients; and refer patients to specialists when needed for further diagnosis or treatment.

15. Nurse Anesthetist

Average salary in California: $250,920

National average salary: $214,200

Educational requirements: To become a nurse anesthetist, you need a four-year bachelor’s degree, followed by a master’s degree from a nurse anesthesia education program. The program must be accredited by the Council on Accreditation of Nurse Anesthesia Educational Programs (COA) and can take 24 to 51 months to complete.

Nurse anesthetists are registered nurses who specialize in anesthesia and provide care for patients before, during, and after surgical and other procedures. Their duties include preparing patients for anesthesia, administering anesthesia, maintaining anesthesia during surgery, and managing recovery. Nurse anesthetists may work alone or with a team of health care providers.

Recommended: 9 High Paying Jobs That Don’t Require a Degree

16. Physician

Average salary in California: $249,660

National average salary: $248,640

Educational requirements: To become a physician, you need a four-year bachelor’s degree, followed by four years of medical school and a three- to eight-year residency. Subspecialization requires additional training in a fellowship of one to three years.

Physicians are medical professionals who diagnose and treat injuries and illnesses and help patients maintain their health. They examine patients; take medical histories; prescribe medications; and order, perform, and interpret diagnostic tests. Some also perform surgery, close wounds, and administer other medical procedures. Many also advise patients on diet, lifestyle, and preventive health care.

17. Dentist

Average salary in California: $249,610

National average salary: $244,470

Educational requirements: To become a dentist, you need a four-year bachelor’s degree, followed by four years of dental school to get a Doctorate of Dental Surgery (DDS) or a Doctorate of Dental Medicine (DMD). For some specialties, dentists must receive additional training through a two- to three-year residency program.

Dentists are health care providers who specialize in oral health. They diagnose, treat, and prevent issues related to teeth, gums, and mouth, such as cavities and gum disease. They perform procedures like fillings, extractions, root canals, and may provide cosmetic services like whitening or veneers. They also educate patients on proper oral hygiene to maintain good oral health.

18. Oral and Maxillofacial Surgeon

Average salary in California: $221,820

National average salary: $334,310

Educational requirements: To become an oral and maxillofacial surgeon, you need a four-year bachelor’s degree, followed by four years of dental school and a four-year residency program.

An oral and maxillofacial surgeon is a medical doctor who diagnoses and treats conditions and injuries of the face, mouth, jaw, neck, and head. They use dental, medical, and surgical skills to perform a variety of specialized procedures, including dental implants, facial trauma repair, cosmetic facial enhancements, and cleft lip and palate surgery.

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19. Computer and Information Systems Manager

Average salary in California: $217,030

National average salary: $180,720

Educational Requirements: To become a computer and information systems manager, you need a four-year bachelor’s degree in a field such as computer science, information systems management or information. You typically also need a master’s degree, which generally takes two years.

A computer and information systems manager, also called an information technology manager (IT manager), oversees an organization’s technology needs. Their role is to make sure the company’s tech systems are secure, efficient, and aligned with business goals. They lead IT teams, manage budgets, evaluate emerging technologies, troubleshoot system issues, and ensure data security.

20. Lawyer

Average salary in California: $213,860

National average salary: $176,470

Educational requirements: To become a lawyer, you need to get a four-year bachelor’s degree followed by three years of law school.

Lawyers provide legal advice and represent clients in legal matters. They interpret laws, draft legal documents, negotiate settlements, and provide guidance on various issues like contracts, disputes, or criminal charges. Some lawyers offer a broad range of legal services, while others specialize in specific areas, such as criminal law, corporate law, or family law.

The Takeaway

California is home to some of the most lucrative career opportunities in the nation, offering competitive salaries across industries like health care, technology, business, and air transportation. While these roles often demand extensive education and training, the rewards can be well worth the investment. Whether you’re drawn to the state for its economic prospects or its vibrant lifestyle, exploring high-paying careers in California can open doors to a fulfilling and financially secure future.

Interested in opening an online bank account? When you sign up for a SoFi Checking and Savings account with eligible direct deposit, you’ll get a competitive annual percentage yield (APY), pay zero account fees, and enjoy an array of rewards, such as access to the Allpoint Network of 55,000+ fee-free ATMs globally. Qualifying accounts can even access their paycheck up to two days early.

Better banking is here with SoFi, NerdWallet’s 2024 winner for Best Checking Account Overall.* Enjoy 3.30% APY on SoFi Checking and Savings with eligible direct deposit.

FAQ

What’s the highest paying job in California?

In California, health care roles consistently rank among the highest-paying jobs. Anesthesiologists, cardiologists, and surgeons are at the top, with anesthesiologists earning an average salary of $452,930. These roles require extensive education and specialized training, reflecting the significant responsibilities and expertise required.

What is a good salary in California?

A “good” salary in California varies depending on location and lifestyle. Given the state’s high cost of living, particularly in metropolitan areas, a salary above the national average is often necessary. Research suggests that, on average, you need to earn just over $143,000 a year to be happy in California.

What are some of the fastest-growing jobs in California?

California is seeing rapid growth in several sectors, especially health care and technology. Jobs like nurse practitioners, physical therapists, medical and health services managers, solar photovoltaic installers, and data scientists are among the fastest-growing jobs in the Golden State.

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SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC. The SoFi® Bank Debit Mastercard® is issued by SoFi Bank, N.A., pursuant to license by Mastercard International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet

Eligible Direct Deposit means a recurring deposit of regular income to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Eligible Direct Deposit”) via the Automated Clearing House (“ACH”) Network every 31 calendar days.

Although we do our best to recognize all Eligible Direct Deposits, a small number of employers, payroll providers, benefits providers, or government agencies do not designate payments as direct deposit. To ensure you're earning the APY for account holders with Eligible Direct Deposit, we encourage you to check your APY Details page the day after your Eligible Direct Deposit posts to your SoFi account. If your APY is not showing as the APY for account holders with Eligible Direct Deposit, contact us at 855-456-7634 with the details of your Eligible Direct Deposit. As long as SoFi Bank can validate those details, you will start earning the APY for account holders with Eligible Direct Deposit from the date you contact SoFi for the next 31 calendar days. You will also be eligible for the APY for account holders with Eligible Direct Deposit on future Eligible Direct Deposits, as long as SoFi Bank can validate them.

Deposits that are not from an employer, payroll, or benefits provider or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, Wise, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g., IRS tax refunds), do not constitute Eligible Direct Deposit activity. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. SoFi Bank shall, in its sole discretion, assess each account holder's Eligible Direct Deposit activity to determine the applicability of rates and may request additional documentation for verification of eligibility.

See additional details at https://www.sofi.com/legal/banking-rate-sheet.
*Awards or rankings from NerdWallet are not indicative of future success or results. This award and its ratings are independently determined and awarded by their respective publications.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at sofi.com/legal/banking-fees/.

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When it comes to managing your finances, hiring a financial advisor can be a wise decision. But with all the different types of financial pros out there, how do you find one that will work for your specific needs?

Asking questions is a good way to learn more about what an advisor does, understand their approach, and determine if they are the best fit for your situation and goals. In fact, it’s a good idea to interview at least two or three different advisors before choosing one you want to work with. These essential questions to ask an advisor can help you find the right fit.

Qualifications and Experience

If you plan to trust your finances to an advisor, selecting someone with the right qualifications and relevant experience is important. Here’s what to ask a financial advisor about their professional background.

What Certifications Do You Hold?

Two meaningful credentials are Certified Financial Planner (CFP®) and chartered financial consultant (ChFC). To earn either designation, an advisor must pass a certification exam, complete coursework, and have a certain level of experience in the field. They must also submit to a background check and adhere to a set of ethical standards. An advisor with tax expertise will typically be a certified public accountant (CPA) or personal financial specialists (PFS), which are CPAs who also offer more comprehensive planning.

Do You Have Any Disclosures on Your Record?

It’s important to know if an advisor has faced any regulatory, criminal, or disciplinary actions in the past. You can also verify this information by typing the advisor’s or firm’s name into the Securities and Exchange Commission’s (SEC’s) Investment Adviser Public Disclosure search tool. There, you can find out about the professional’s licenses and any disciplinary history they may have.

Services and Approach

Financial advisors vary in terms of the services they offer, the type of clients they work with, and their approach to financial planning. These questions can help you choose a financial advisor who will be a good match for your needs.

What Are Your Areas of Expertise?

Some advisors specialize in retirement planning, tax strategies, or estate planning. Others will help you create a comprehensive financial plan that could cover general money management, the types of accounts you need, the kinds of insurance you should have, and estate and tax planning. You’ll want to make sure that their expertise aligns with your needs and goals.

What Types of Clients Do You Typically Serve?

Certain financial advisors work exclusively with high-net-worth individuals, while others focus on small business owners, pre-retirees, or people in certain professions like physicians or artists. Choosing someone who has experience serving clients similar to you can help ensure they’ll be able to offer the guidance and financial advice you need.

What Is Your Investment Philosophy?

You’ll want to make sure how your money is invested aligns with your preferences, risk tolerance, needs, and financial goals. So when speaking with a potential advisor, you’ll want to get a sense of how they typically balance risk and return, if they concentrate on specific industries or types of investments, whether they prefer active or passive investment strategies, and how they tailor portfolios to client goals.

Fees and Compensation Structure

Financial advisors are compensated in different ways, and it’s important to understand their fee structure to avoid surprises.

How Do You Make Money?

Fee-only advisors charge a flat rate, hourly rate, and/or a percentage of assets managed for their services. Fee-based advisors, on the other hand, charge fees to clients directly for financial planning or portfolio management, while also earning commissions by selling financial products. Commission-based advisors primarily earn income by selling financial products. Fee-only advisors tend to have fewer conflicts of interest (more on that below). Ensure you understand how you will be charged.

Are There Any Extra Costs I Should Be Aware of?

A financial advisor’s fees may not cover all of your expenses. They might, for example, charge one fee for creating a financial plan, but charge more for putting that plan into action. Once your financial plan is in place, you may also have to pay trading, fund, and brokerage fees. Make sure you understand what your all-in costs are going to look like.

Do You Have a Minimum Account Size?

Some advisors work only with clients who have a certain level of assets. This might be a relatively low threshold, like $25,000, but it could be significantly more, such as $500,000 or $1 million, and possibly more. You’ll want to confirm whether this aligns with your financial situation.

Recommended: Who Are Wealth Management Advisors?

Potential Conflicts of Interest

Conflicts of interest can be problematic as it can cloud the advice you receive. These questions for financial advisors can help you suss out whether their goals could potentially clash with your goals.

Do You Receive Any Compensation From Third Parties?

As mentioned above, fee-based and commission-based advisors receive payments from sales of specific investment and financial products, such as mutual funds or insurance policies, which could potentially cause a conflict of interest. It’s important to know if their recommendations could potentially be influenced by outside compensation.

Are You a Fiduciary?

Certain professional designations, such as a CFP®, are legally held to the fiduciary standard. As a fiduciary, an advisor is legally and ethically bound to put their clients’ interests ahead of their own (or their firm’s) interests and have a duty to preserve good faith and trust. If an advisor is not a fiduciary, ask how they address potential conflicts.

faith and trust. If an advisor is not a fiduciary, ask how they address potential conflicts.

Performance and Benchmarks

If you’re working with an advisor to grow wealth, you’ll want to have some way to measure your progress. Consider asking these questions about performance tracking and benchmarking.

What Investment Benchmarks Do You Use?

A financial advisor should be able to speak to the benchmarks that they will be reporting to you, as well as how they will measure your progress and determine whether adjustments need to be made in your portfolio. It’s also a good idea to find out if you will be able to track your portfolio’s performance and view financial reports online. Tools like client portals and mobile apps can improve your experience and provide transparency.

How Will You Consider Assets You Aren’t Directly Managing?

Your net worth may include assets that are not managed by a particular finance firm or advisor, such as an employee-sponsored 401(k) or any rental properties you may own. It’s important that a financial advisor look at your full financial picture when advising you on how to diversify, manage risk, and reach your goals.

💡 Quick Tip: If you’re saving for a short-term goal — whether it’s a vacation, a wedding, or the down payment on a house — consider opening a high-yield savings account. The higher APY that you’ll earn will help your money grow faster, but the funds stay liquid, so they are easy to access when you reach your goal.

Communication and Availability

Advisors can approach communication differently and it helps to have realistic expectations going in. Poor communication or misaligned expectations can put a damper on your experience in working with an advisor.

How Often Will We Meet or Communicate?

At the minimum, you’ll want to speak with your financial advisor once a year to review your financial strategies as your life and circumstances change. Some advisors offer quarterly or semiannual meetings, however, which you might prefer. Find out how often you’ll meet, whether it will be virtually or in-person, and if the advisor will be available for phone calls or emails outside of scheduled appointments. Consider if their communication frequency and style meets your expectations.

Will I Work Directly With You or Someone on Your Team?

Some firms assign a primary advisor, while others use a team-based approach. When deciding which financial advisor you want to work with, you’ll want to clarify who your main point of contact will be.

The Takeaway

Choosing a financial advisor is a significant decision that can impact your financial future. By asking the right questions, you can get a good sense of their qualifications, approach, and ability to meet your needs.

Don’t hesitate to interview multiple advisors and compare their answers to ensure you find the best match for your financial goals. A well-chosen advisor can provide valuable guidance, helping you navigate the complexities of financial planning and achieve long-term success.

One smart money move you can take right away (and on your own) is to make sure your bank account offers minimal or no account fees and a competitive interest rate.

Interested in opening an online bank account? When you sign up for a SoFi Checking and Savings account with eligible direct deposit, you’ll get a competitive annual percentage yield (APY), pay zero account fees, and enjoy an array of rewards, such as access to the Allpoint Network of 55,000+ fee-free ATMs globally. Qualifying accounts can even access their paycheck up to two days early.

Better banking is here with SoFi, NerdWallet’s 2024 winner for Best Checking Account Overall.* Enjoy 3.30% APY on SoFi Checking and Savings with eligible direct deposit.

FAQ

What should I look for in a financial advisor’s credentials and experience?

When choosing a financial advisor, you might look for credentials such as Certified Financial Planner (CFP®) or chartered financial consultant (ChFC). These designations mean that the advisor has passed a certification exam, has a certain level of experience in the field, and is legally required to adhere to a set of ethical standards. If you’re looking for an advisor with tax expertise, consider a certified public accountant (CPA) or personal financial specialists (PFS), which are CPAs who also offer more comprehensive planning.

What are the different types of financial advisors?

The term “financial advisor” is broad and can refer to any professional who offers financial advice. Common certifications include Certified Financial Planner (CFP®), chartered financial consultant (ChFC), certified public accountant (CPA), and personal financial specialist (PFSs). There are also specialized advisors, such as investment advisors (who focus on portfolio management), retirement planners (who help with retirement strategies), and wealth management advisors (who offer comprehensive services for high-net-worth clients). Robo-advisors provide automated investment solutions at a lower cost.

How can I evaluate the fees and services provided by a financial advisor?

Start by understanding the advisor’s fee structure — whether it’s fee-only, fee-based, or commission-based. Fee-only advisors charge flat fees or percentages and don’t earn commissions. Fee-based advisors charge fees but may also earn commissions on products they recommend. Commission-based advisors primarily earn income by selling financial products. Also ask about the scope of services they provide, such as retirement planning, tax strategies, or investment management, to ensure they align with your needs.

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About the author

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Photo credit: iStock/SDI Productions

SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC. The SoFi® Bank Debit Mastercard® is issued by SoFi Bank, N.A., pursuant to license by Mastercard International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet

Eligible Direct Deposit means a recurring deposit of regular income to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Eligible Direct Deposit”) via the Automated Clearing House (“ACH”) Network every 31 calendar days.

Although we do our best to recognize all Eligible Direct Deposits, a small number of employers, payroll providers, benefits providers, or government agencies do not designate payments as direct deposit. To ensure you're earning the APY for account holders with Eligible Direct Deposit, we encourage you to check your APY Details page the day after your Eligible Direct Deposit posts to your SoFi account. If your APY is not showing as the APY for account holders with Eligible Direct Deposit, contact us at 855-456-7634 with the details of your Eligible Direct Deposit. As long as SoFi Bank can validate those details, you will start earning the APY for account holders with Eligible Direct Deposit from the date you contact SoFi for the next 31 calendar days. You will also be eligible for the APY for account holders with Eligible Direct Deposit on future Eligible Direct Deposits, as long as SoFi Bank can validate them.

Deposits that are not from an employer, payroll, or benefits provider or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, Wise, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g., IRS tax refunds), do not constitute Eligible Direct Deposit activity. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. SoFi Bank shall, in its sole discretion, assess each account holder's Eligible Direct Deposit activity to determine the applicability of rates and may request additional documentation for verification of eligibility.

See additional details at https://www.sofi.com/legal/banking-rate-sheet.
*Awards or rankings from NerdWallet are not indicative of future success or results. This award and its ratings are independently determined and awarded by their respective publications.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at sofi.com/legal/banking-fees/.
Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

Third Party Trademarks: Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®

External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.

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A zero-waste lifestyle is based on the principle of reduce, reuse, and recycle. The goal is to buy only what you need and minimize the amount of waste you create. The more people who practice a zero-waste lifestyle, the less junk there should be winding up in landfill.

Being conscious about one’s impact on the environment is something that is becoming increasingly prevalent: 87% of Americans support recycling, according to a recent survey by The Harris Poll on behalf of Keep America Beautiful®, and this can be especially important to younger generations. Adopting a zero-waste lifestyle can often save you money in the long term, as you reduce and reuse rather than continually buying new or additional products.

Understanding the Zero-Waste Concept

At its core, the concept of a zero-waste lifestyle is minimizing or eliminating the amount of waste that you create. Some dimensions of this include:

•  Conserving resources

•  Avoiding burning products and packaging or discharging hazardous materials into the land, air or water

•  Optimizing reuse of items through repairing or repurposing them
Expanding recycling

•  Different people, communities and municipalities define zero-waste in different ways, so you will need to decide what a zero-waste home and lifestyle means for you and how to go zero-waste in your specific situation.

Aside from being an eco-friendly move, reducing the amount of waste you produce and reusing items instead of purchasing new ones can be one of the top tips for saving money. For instance, refurbishing cast-off dining chairs could save you hundreds of dollars vs. buying them new and also keeps them out of landfill.

Living a zero-waste life can actually be a way to help the planet and hold onto more of the money in your checking account.

Recommended: 50/30/20 Budget Calculator

Financial Benefits of Going Zero-Waste

Going zero-waste can have some positive effects on your checking and savings account, as noted above.

As an example, consider a situation where you need to buy a new pair of sneakers:

•  You could buy the cheapest pair of sneakers that cost $30 but will wear out and need to be replaced in one year, if not sooner. They’ll likely be tossed into landfill, along with many other inexpensive fast-fashion items.

•  If you buy a better-made pair of sneakers, they may cost $80 but last at least a few years. They’ll stay out of landfill for longer and cost less when you divide the price by years of use.

If you take a short-term perspective, buying the more inexpensive pair of sneakers is the better financial choice, since $30 is less than $80. But if you take a longer perspective, the better choice may very well be the more expensive shoes.

Or perhaps you buy a set of reusable glass and aluminum containers and then buy many staples (coffee, cereal, beans, pasta) in bulk at a lower price than the prepackaged variety. In this way, you are not only saving money, but reducing your usage of plastic and other forms of single-use packaging. These examples can give you the idea of some of the financial benefits of a zero-waste life. While it may not be among the usual types of budgeting methods, zero-waste living can help you save money.

Getting Started: Easy Zero-Waste Swaps

One important thing to consider if you’re considering starting a zero-waste life is that the best changes are often small and sustainable. Rather than selling your car and committing to walking or taking the bus forever, it’s better to take smaller steps, gradually reducing your waste over time. Here are a few ideas:

Kitchen and Grocery Shopping

One of the biggest generators of waste is food that gets tossed out. The USDA estimates that Americans waste between 30% to 40% of the total food supply each year. If you are trying to purchase groceries on a budget, you might be excited to potentially save 30% to 40% on your total grocery bill by only buying the food that you’re actually going to use.

If saving money on food is on your mind, you can move towards zero-waste status in the kitchen by taking a new approach to how you buy groceries. Planning out your meals and preparing them at home can help you cut down on the waste you produce. If you have a meal plan, you are less likely to buy ingredients that wind up sitting and going bad in the fridge.

Another strategy is considering the types of foods that you buy and the packaging that they come in. Buying more fruits, vegetables and other foods that are often sold without packaging can be a great way to cut down on the waste that you produce. So too can buying staples in bulk, using containers made of glass or aluminum vs. plastic.

Bathroom and Personal Care

Bathroom and personal care items are another area where you can move towards a zero-waste lifestyle. A few switches that you can consider making include:

•  Use a bamboo toothbrush vs. one with a plastic handle.

•  Use soap or shampoo bars rather than using bottled-in-plastic products.

•  Opt for biodegradable dental floss.

•  Switch to compostable toilet paper.

•  Try a stainless steel razor instead of a disposable razor.

Recommended: How to Manage Passive Income Streams

Reducing Waste in Home and Energy Consumption

Lowering your energy consumption not only is good for the environment, it can save you money. Since most utilities charge based on how much you use, lowering your consumption can help you lower your utility bills. Another way to reduce waste in the home is by recycling items for money.

Selling unneeded items can help repurpose them as well as add a little extra into their budget. You might also look into ideas for reducing energy usage in your home, whether that means installing smart thermostats or saving to switch to, say, a heat pump from your current system. (You might get a rebate or tax break on the latter, too.)

Going Zero-Waste on a Budget: Affordable Strategies

Here are three affordable strategies to help you live a zero-waste life on a budget:

•  Start with what you have: Focus on implementing DIY solutions, refinishing furniture vs. throwing it out.

•  Opt for second-hand: When you do need “new” items, think about what you might get from freecycle sites and places like Facebook Marketplace.

•  Reduce vs. remove at first: Embrace minimalism and lower consumption instead of trying to completely give up, say, every speck of plastic in your home. Going zero-waste is a process, and it can take patience.

•  Invest in eco-friendly solutions over time: Gradually replace disposable items with reusable ones one at a time as your budget allows. Swapping single-use plastic bottles for a reusable water bottle can be a simple first step.

As you work to become zero-waste and save money that way, you might want to take a closer look at what spending and saving trackers reveal about your habits. Many traditional and online banks offer these, or you could evaluate third-party options.

Long-Term Savings and Environmental Impact

There may be an initial expense triggered by moving toward a zero-waste lifestyle, such as buying a set of glass and aluminum refillable canisters for groceries. But these moves can save money in the long term. And if you decide to refinish a dining table vs. buying a new one, that too can require an initial investment in supplies but wind up being both planet-friendly and economical.

One of our best frugal living tips is to consider the total cost of ownership when making financial decisions. And even if you spend more money, it may be offset over time and also minimize your total environmental impact.

Recommended: Ways to Make Money From Home

The Takeaway

While the term zero-waste may mean different things to different people, the general idea involves minimizing or eliminating the amount of waste that you create. A zero-waste home is one that reduces consumption and maximizes items that are reused or recycled. What’s more, following the principles of a zero-waste living may save you money.

Interested in opening an online bank account? When you sign up for a SoFi Checking and Savings account with eligible direct deposit, you’ll get a competitive annual percentage yield (APY), pay zero account fees, and enjoy an array of rewards, such as access to the Allpoint Network of 55,000+ fee-free ATMs globally. Qualifying accounts can even access their paycheck up to two days early.

Better banking is here with SoFi, NerdWallet’s 2024 winner for Best Checking Account Overall.* Enjoy 3.30% APY on SoFi Checking and Savings with eligible direct deposit.

FAQ

How do I handle zero-waste as a family with children?

One of the best strategies for having a zero-waste lifestyle with children is to include your kids in the planning process. Explaining the reasoning behind a zero-waste lifestyle and involving your kids in decisions can help them to get excited about the process. It can also be a good idea to focus on small, manageable changes at first rather than drastically altering your family’s lifestyle. Any steps that you’re able to take to reduce your waste may benefit your budget as well as the environment.

Can a zero-waste lifestyle work in urban areas?

It is possible to have a zero-waste lifestyle in an urban area, but it may take some creativity. City dwellers may have a busier lifestyle or space constraints, but they may also be able to take advantage of easier access to resources or community initiatives.

Are there any potential challenges in maintaining a zero-waste lifestyle?

Like just about everything worth doing, there are some potential challenges that come with living a zero-waste life.You may not have easy access to zero-waste resources like composting or recycling facilities. It may also be challenging to spend the additional time and effort to go zero-waste, and living a zero-waste life may come with higher initial expenses.

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Photo credit: iStock/JulPo

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Although we do our best to recognize all Eligible Direct Deposits, a small number of employers, payroll providers, benefits providers, or government agencies do not designate payments as direct deposit. To ensure you're earning the APY for account holders with Eligible Direct Deposit, we encourage you to check your APY Details page the day after your Eligible Direct Deposit posts to your SoFi account. If your APY is not showing as the APY for account holders with Eligible Direct Deposit, contact us at 855-456-7634 with the details of your Eligible Direct Deposit. As long as SoFi Bank can validate those details, you will start earning the APY for account holders with Eligible Direct Deposit from the date you contact SoFi for the next 31 calendar days. You will also be eligible for the APY for account holders with Eligible Direct Deposit on future Eligible Direct Deposits, as long as SoFi Bank can validate them.

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*Awards or rankings from NerdWallet are not indicative of future success or results. This award and its ratings are independently determined and awarded by their respective publications.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

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SOBNK-Q424-048

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If the lure of the open road intrigues you and the idea of spending years in classrooms doesn’t, then becoming a commercial driver may be ideal for you. Before hitting the highway, you’ll need to secure a commercial driver’s license (CDL), which could cost between $3,000 to $10,000 depending on state fees.

Keep reading to learn more on the costs of obtaining a CDL, whether or not you have to go to school, and how to pay for your commercial driver’s license.

Typical Cost of Obtaining a CDL

The typical cost of obtaining a Commercial Driver’s License (CDL) ranges from $3,000 to $10,000, depending on the training program, location, and endorsements required. These expenses include tuition for CDL school, fees for written and skills tests, medical exams, and any additional certifications. Some training programs may also charge for classroom materials or driving practice hours.

Costs can vary based on the duration and comprehensiveness of the program. To offset these expenses, individuals may explore financial aid options such as scholarships, grants, employer-sponsored training, or loans. Researching and comparing programs can help identify the best value for your investment.

Recommended: Student Loan vs Personal Loan for College Expenses

Do You Have to Go to a School to Obtain Your CDL?

As of February 7, 2022, new federal regulations require individuals to complete Entry-Level Driver Training (ELDT) from a registered training provider before obtaining a Commercial Driver’s License (CDL) for the first time, upgrading a CDL, or getting certain endorsements.

While this doesn’t strictly mean attending a traditional “school,” the training must meet federal standards and be provided by an ELDT-certified provider. This requirement ensures that CDL applicants receive the necessary education and hands-on experience to safely operate commercial vehicles. Many choose CDL schools because they are often ELDT-compliant and provide a comprehensive training environment.

How to Pay for CDL School

Paying for CDL school can be a significant financial investment, but there are several options to help ease the cost. Whether you’re looking to finance your training through scholarships, grants, employer-sponsored programs, or loans, understanding your choices is essential for making this career path affordable.

To help, we’ve listed ten ways to pay for your CDL school costs and associated expenses.

1. Workforce Training Funding

The Workforce Innovation and Opportunity Act (WIOA) became law on July 22, 2014, and is designed to help job seekers get the education, training, support, and employment they need. The WIOA requires states to ensure that their workforce development programs are strategically aligned to meet the needs of workers. The WIOA is managed through the U.S. Department of Labor (DOL) in collaboration with numerous partners to get the necessary resources to states and local areas.

Plus, the FMCSA CDL Program Implementation Grant provides financial resources to states.

2. State CDL Training Grants

Each of the states in the United States and the District of Columbia can apply to the federal CDL implementation grant to get funding for relevant programs that assist in their CDL program. Contact the field office of your state (links are included in the field office chart) to get information about what’s currently available to cover your CDL school price. Explain that you need financial assistance to get quality CDL training.

3. Local CDL Training Grants

Many local governments and workforce development programs offer grants to cover CDL training costs. These grants are typically aimed at addressing regional driver shortages and providing opportunities for individuals in need of employment. Check with your local employment office or community organizations for available programs and eligibility requirements.

4. Scholarships

Various organizations offer scholarships to help cover the cost of CDL school. Industry associations, trucking companies, and vocational schools may provide funding opportunities for eligible candidates. Research scholarship programs specifically for aspiring truck drivers, and apply early to maximize your chances of receiving financial assistance for your training.

Recommended: SoFi’s Scholarship Search Tool

5. Funding for Veterans

Veterans may be eligible for funding to cover CDL school through the GI Bill or other veterans’ benefits. Programs like the Yellow Ribbon Program may also offer additional financial support for CDL training. Contact your local Veterans Affairs office to learn about specific programs and eligibility requirements for veterans.

6. Federal Student Loans

To qualify for federal loan funding, you must first fill out a Free Application for Federal Student Aid (FAFSA®). If a CDL school meets requirements, federal student loan aid may be available. Going this route will also let you know if you qualify for a Pell Grant based on your income; again, make sure that the CDL school is eligible to receive federal funding.

7. Private Student Loans

If grants, scholarships, and federal student loans don’t cover the CDL school costs, then explore private student loans. These loans are offered by banks, credit unions, and online lenders to pay for educational expenses. You’ll fill out an application and what you’ll receive typically depends on your credit score and income.

Note that not all private lenders will cover loans for CDL school, including loans from SoFi.

8. Trucking Company Tuition Reimbursement

This is when a trucking carrier pays part to all of your CDL school costs. They may do this if, for example, you’re a current employee in another capacity. Trucking companies may also choose to take this route to encourage someone to join their company.

9. Savings

You may find that you have enough money in your savings account to pay for the CDL program. Or you may create or continue a savings plan to accrue enough funds to pay for your training. That way, there are no loans to pay back.

10. Company Sponsored CDL Training

A company in need of drivers may be offering a training program. Just ensure that the program, which is run by the trucking company itself instead of a training school, is quality. Typically, you’ll need to work for the company offering the training for a certain amount of time; this can be good if you’re looking for a job, eliminating the stress of the job hunt that may follow the completion of a CDL program.

The Takeaway

You may decide that becoming a commercial truck driver is a good way to earn income. When it comes to how to pay for CDL school, you can save up and pay cash, apply for scholarships and grants, look for an employer who will cover part or all of the costs of training, or take out loans.

Community college and other certificate programs aren’t eligible for SoFi’s private student loans. If you’re interested in private student loans for another educational venture, consider SoFi’s no fee private student loans. These loans can be used to cover your costs of tuition, books, supplies, and more so you can get on the road as a fully licensed commercial truck driver.

Cover up to 100% of school-certified costs including tuition, books, supplies, room and board, and transportation with a private student loan from SoFi.

FAQ

Can you get your CDL without going to school?

Yes, you can obtain a Commercial Driver’s License (CDL) without attending school, but most states require you to meet Entry-Level Driver Training (ELDT) standards. Self-study and private practice with a qualified driver are options. However, CDL training programs provide structured learning, making it easier to pass written and skills tests.

Do some trucking companies pay for your CDL training?

Yes, many trucking companies offer paid CDL training programs. These companies cover training costs in exchange for a commitment to work for them for a specified period, often one to two years. These programs can be a cost-effective way to enter the trucking industry while gaining hands-on experience.

How much does getting your CDL cost?

The cost of obtaining a Commercial Driver’s License (CDL) varies but typically ranges from $3,000 to $10,000, depending on the training program and location. Costs include tuition for CDL school, fees for written and skills tests, medical exams, and additional endorsements. Some employers or grants may help cover these expenses.

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Photo credit: iStock/FG Trade

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Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

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Private airport lounges offer a comfortable refuge from crowded waiting areas by your flight’s gate. They’re a place to recharge (yourself and your devices), have a glass of wine, and sample upscale prepared foods that are a major improvement over that bag of chips from the vending machine.

These facilities are typically only accessible via a pricey plane ticket or membership. Here, you can learn ways to enjoy luxury airport lounges, for a fee or possibly even for free, including by accessing credit card rewards.

How Do Airport Lounges Work?

There are several types of airport lounges, and they vary from basic to luxurious. The no-frills lounges simply have snacks and drinks, while the most lavish ones will feature such complimentary perks as a full buffet, table-service restaurant, open bar, and even showers. The seats are typically way more comfortable than what you find in the standard waiting area, and you may have your choice of reading materials and streaming shows.

Not only can this help fill the time before your flight, but it can save money on food in the airport or onboard your flight, which can be one way families can afford to travel.

If you are traveling with pets, you may find a lounge that allows you to hang out with little Bailey in less crowded conditions than the main terminal. This can be more comfortable for you and your furbaby.

There are a few main types of lounges:

•   The original airport lounges are those run by the airlines, and several major carriers still offer lounges at the airports they use as hubs. In the U.S., American, Delta, and United offer large lounge networks, while Alaska Airlines has a much smaller network. Some foreign carriers also offer lounges at major international gateways, such as New York’s JFK and Los Angeles.

•   Another type of airport lounge is the contract lounge. These are third-party facilities that are open to those who have membership with an affiliated network. These lounges are also used for business and first-class passengers of airlines that don’t have their own branded lounge. In the U.S., the most common lounge network is Priority Pass Select, which offers members access to over 1,700 “airport experiences” around the world. There are numerous travel rewards credit cards that offer a Priority Pass Select membership.

•   You’ll also see lounges that are branded with the name of a credit card issuer, for use by its premium cardholders. The American Express Centurion lounges are the largest credit card lounge network. Capital One and Chase are also in the process of constructing their own branded lounge network. These lounges tend to be the most luxurious.

•   Finally, there are USO lounges that are available to U.S. Armed Forces active duty, Reserve, and Guard service members, as well as their families.

How to Access Airport Lounges for Free

With most lounge networks, the easiest way to gain entry is to purchase a membership or a day pass. However, there are some ways to access airport lounges without forking over cash.

Open a Premium Travel Rewards Credit Card

There are several travel credit cards that offer the perk of airport lounge access. For example:

•   The American Express Platinum Card offers lounge membership with the Delta SkyClubs, Plaza Premium, Priority Pass, American Express Centurion lounges, and others.

•   The Chase Sapphire Reserve offers Priority Pass and Chase Sapphire Lounge memberships.

•   The premium airline credit cards from American, Delta, and United each offer membership to their branded lounges.

When you’re deciding about which credit card rewards are most valuable to you, consider whether luxury airport lounge access is an important factor.

Recommended: How Does Credit Card Travel Insurance Work?

Trade in Miles or Use Credits

Another way to enter fancy lounges for free is to redeem airline miles for a membership (you might also be able to redeem credit card miles vs. cash back to gain access). For example, you can redeem 85,000 United miles for a United Club membership, rather than paying the $650 annual fee. Since you are receiving less than one cent in value per mile redeemed, this is considered a poor use of your miles, but no judgment. If it works for you, go for it!

Fly in Business Class or First Class

When you have a ticket in business class, first class, or international first class, most airlines will give you a pass to an airport lounge. It could be a lounge branded by that airline, especially in their main hubs. But if you are traveling from a city with little service on that airline, you’ll likely get a pass to a contract lounge.

Befriend a Business or First Class Passenger

One of the great things about flying in business or first class is that you will often receive a lounge pass that includes guest access. So if you are flying in economy class but have a friend or colleague with a business class ticket, he or she may be able to “guest” you into the lounge either for free or at a reduced rate.

Claim Free Access for Active Military

If you’re an active duty member of the U.S. military, then you may have free access to some lounges. For example, both United and American offer free access to active duty military personnel and their families. However, they may require that you be in uniform and traveling on orders.

Recommended: Do You Need a Credit Card to Rent a Car?

Access Airport Lounges for a Fee

If you’re unable to access an airport lounge for free, you might consider paying for it. Here are some ways to do just that:

Buying an Airport Lounge Pass

Airport lounge memberships are available for sale, either through an airline that brands the lounge, or through a network such as Priority Pass Select. Memberships generally start at a few hundred a year, but discounts are available for those with elite status in the airline’s frequent flier program. If you’re saving up for a few upcoming flights, you might also consider stashing away the price of a lounge pass where you keep a travel fund.

Buy a Day Pass

Many lounges (but not all) offer day passes that can typically cost $25 to $80 per person. Some online platforms and apps may sell discounted access to certain airport lounges. Depending on your situation — how much time you have to fill before your flight, whether you’re hungry or thirsty, whether you need a quiet place to work — this might be a good buy.

Upgrade Your Ticket

If you are on an international flight and are seated in business or first class, then you’ll already have access to the lounges. But rather than pay full price for these tickets, you may be able to book a less pricey class of service and then buy up to business class at check in, perhaps for just a few hundred dollars. Doing so will also result in a pass to the airport lounge.

Recommended: Understanding Purchase Interest Charges on Credit Cards

The Takeaway

When you have to spend time in an airport waiting for your flight, the lounge can be a comfortable place to do it, with comfortable seating, free food and drinks, and other amenities that can make killing time feel luxurious. While it can be expensive to buy membership to a lounge, you may be able to access a luxury airport lounge for free, especially if you have the right credit card. Or you might be able to buy your way in for a modest fee by purchasing a day pass or trying another smart-traveler tactic.

Whether you're looking to build credit, apply for a new credit card, or save money with the cards you have, it's important to understand the options that are best for you. Learn more about credit cards by exploring this credit card guide.

FAQ

Is it worth it to pay for airport lounge access?

If you’re taking a short trip and you want to arrive at the airport as close to departure as possible, then there’s no reason to pay for airport lounge access. But if you have a long layover in the middle of a trip or a long flight ahead, then lounge access can be worth paying for. Also, under certain circumstances, such as needing to finish a work deliverable before your flight, a luxury airport lounge can be a much more comfortable place to work.

Which airport lounges are the best?

International first class lounges, where available, are often the most luxurious. The American Express Centurion lounges are also known to feature gourmet food and drinks. Some Priority Pass Select lounges have well-regarded food options, while others are pretty basic. Domestic airline lounges can be pretty spartan.

Which credit card is best for airport lounge access?

The decision of which credit card is best for airport lounge access will depend on personal preference but two options are well-known. The American Express Platinum Card offers access to Delta SkyClubs, Priority Pass Select, and American Express Centurion lounges. The Sapphire Reserve Card offers a Priority Pass Select membership that also includes credits at select airport restaurants, as well as access to its own branded lounges.

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Photo credit: iStock/andresr

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

This content is provided for informational and educational purposes only and should not be construed as financial advice.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

SOCC-Q125-044

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