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With its history, art and architecture, and all things royal, plus Harry Potter, the city of London is teeming with fun things to do on vacation.

The challenge can be narrowing down all that good stuff to a manageable list of absolute must-sees — whether you’re visiting on your own, as a couple, or with friends or family.

You could have a brilliant time just focusing on bucket-list basics, like Buckingham Palace and Westminster Abbey. Or you could take in the sights while strolling the city’s famous streets (or meandering off the beaten path).

Why not do a little bit of everything? Thanks to loads of intel from seasoned travelers about the best things to do in London, here is a list of can’t-miss adventures. You’ll also learn tips and tricks for making your vacation as smooth and affordable as possible.

Best Times to Go to London

The weather can be unpredictable in London — just as it is in the U.S. — but the summer months, June to August, are typically the warmest and sunniest. If you’re opting for summer travel, though, it can also be the most crowded time to visit, with kids out of school and lots of sporting events, festivals, and concerts scheduled. That also usually means that prices may be higher.

Spring and fall are trickier weatherwise, but less crowded. And though it’s colder and wetter in the winter months, visiting London at Christmas time could be a dream-come-true for Dickens fans. Just be aware that many attractions are closed around the major holidays.

Bad Times to Go to London

January and February can be gloomy and gray in London, there are fewer events, and the city is a bit quieter at this time of year. If you dream of shopping for antique treasures at Portobello Road in T-shirt weather, this is not going to be ideal for you.

But lodging prices may be lower, so this can be a good way to save on hotels. Also, lines at popular attractions will likely be shorter, and there’s still plenty to see.

Average Cost of a London Vacation

The cost of a London vacation can vary significantly, depending on how long you stay, when and where you stay, and other factors. But travel sites generally put the average cost of a weeklong trip at about $1,000 to $2,500 for an individual and $1,700 to $4,000 for a couple, not including airfare. (If you’re bringing your kids or traveling with pets, the cost could be significantly more.)

Here are just a few of the costs you may want to consider when you’re budgeting for your trip (and when you’re figuring out how to make the most of your credit card rewards):

Getting There

Roundtrip airfare to London can average from about $600 to $1,200, based on where you’re flying from and when you’re traveling. (Don’t forget to look at how credit card travel insurance works, just in case your flight is canceled, your luggage gets lost, or some other mishap occurs.)

Accommodations

If you’re willing to stay at a budget hotel or a hotel outside the city, you may be able to save some serious money in this category. Otherwise, you can expect to pay about $150 to $250 (or more) per night for a mid-range to luxury hotel in London.

Dining

The average spend per person for food in London can range from $25 to $45 per day. But your tab may go up or down (just like at home) based on how often you dine out, the pubs and restaurants you choose, and if, say, you like a nice bottle of wine with your dinner. A pub meal, for example, can cost less than $15, while a three-course meal in a nice restaurant might be $50 or more per person.

Sightseeing

There are many free things to do in London, including many of the top museums and attractions. Tickets for other attractions typically cost $35 or less for an adult.

Transportation

Depending on where your hotel is, you may be able to walk to many attractions in London. If your destination is farther out, you can get one of London’s famous black cabs, or take the Tube (the subway), or a bus. Black cabs are metered, and the minimum fare is $3.93. Fares may be higher for rides to and from Heathrow, and on Christmas Day and New Year’s Eve.

Bus fares vary based on the rider’s age: An adult “hopper fare” allows passengers to make as many changes as they want in an hour for $2.15; the daily cap is $6.45 and the weekly cap is $30.33. The cost of a ride on the Tube will depend on where you’re going. Taking public transportation can be an affordable way to get from one neighborhood to another and can also make you feel like a real Londoner.

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10 Fun Must-Dos in London

It would be impossible to squeeze all of the best things to do in London into a single visit. That said, regardless of how long you have to spend in the city, there are amazing attractions that will make incredible memories.

To help get you started, consider these 10 fun things to do in London, culled from dozens of travel sites, blogs, and “best of” lists.

1. Explore the Tower of London

Starting your vacation with the Tower of London can help you get a real feel for London’s grand history. Inside, you’ll find the Crown Jewels, an extensive armory, and amazing architecture. And, of course, you’ll want to check out the Tower Green, where several members of the upper class were executed, including three former queens. You can learn their stories and more with a self-guided tour. Don’t forget to look for the resident ravens. HRP.org.uk/tower-of-london/visit/#gs.t79gau

2. Catch the Changing the Guard Ceremony at Buckingham Palace

The iconic Changing the Guard ceremony takes place at 10:45am every Monday, Wednesday, Friday, and Sunday outside Buckingham Palace, and lasts about 45 minutes. It’s very popular, so you’ll want to arrive early. It’s also free, so it’s a good way that families can afford to travel and see amazing things without breaking the bank.

King Charles and Queen Consort Camilla currently reside at Clarence House, a short walk away, but the palace remains the center of operations, so keep an eye out if you hope to spot a royal. Want to go inside? Parts of the palace are open to the public on select dates in winter and spring and for several weeks during the summer.
RCT.uk/visit/buckingham-palace

3. Tour the Harry Potter Movie Sets

If you’re a die-hard Harry Potter fan, “The Making of Harry Potter” tour at the Warner Bros. Studio Tour London will likely be a worthwhile stop on your itinerary. You’ll get to visit the sets, see the props and costumes, and learn more about how the movies were made. The tour is in Leavesden, England, which is about 20 miles from central London, so you may want to rent a car or travel by bus, the Tube, or taxi. (To be sure you can get tickets, book in advance.) WBStudiotour.co.uk/

4. Visit the Churchill War Rooms

Another of the top things to do in London: Visit the Churchill War Rooms. World War II buffs and anyone interested in history can get an up-close look at the underground nerve center where British leaders met to plan an Allied victory. Then it’s on to the extensive and interactive Churchill Museum for more exhibits and information about the intriguing Prime Minister himself. IWM.org.uk/visits/churchill-war-rooms

5. Sip Afternoon Tea at Sketch London

If your goal is to enjoy afternoon tea, why not do it in style in The Gallery at Sketch? It’s a quirky yet elegant venue located in an old Georgetown townhouse in London’s chic Mayfair district. Afternoon tea is a splurge (75 pounds for adults), but you’ll feast on finger sandwiches, scones, passionfruit and mango tarts, and have the opportunity to pick your pot from a dozen or more tea varieties. Afterward, you can do some shopping, or wander down the road to people-watch at the historic Piccadilly Circus. Sketch.london/the-gallery/

6. See the Sights from the London Eye

For a truly unique view of the city, you can climb into one of the glass pods of the London Eye (like a gigantic enclosed ferris wheel) and rise 443 feet above the Thames River. The ride lasts 30 minutes, so you’ll have plenty of time to spot Big Ben, Buckingham Palace, and other landmarks. Time it right, and you could see the sunset or the lights of the city at night. This can be a fun and memorable thing to do in London with kids. LondonEye.com/tickets-and-prices/

7. Take a Day Trip to Windsor Castle

Windsor Castle, the historic home of the British monarchy, is open to the public from Thursday to Sunday year-round, so visitors can see its magnificent rooms and royal treasures. While you’re there, you may also want to visit St. George’s Chapel, which has been the site of several royal weddings, including the Duke and Duchess of Sussex, aka Harry and Meghan. (The tombs of 11 monarchs are also located there.) You could also wander over to the nearby pub at The George Inn for a pint and a bite to eat. The castle is about a 22-mile trip from the city. RCT.uk/visit/windsor-castle

8. Step Back in Time at Westminster Abbey

Westminster Abbey has been the monarchy’s coronation church since 1066, and in May 2023, was the site of the coronation of King Charles III. It was also the site of the wedding of Queen Elizabeth II and Prince Phillip in 1947. The public is welcome to tour the famous abbey every day except Sunday and when it’s closed for special events. You can attend most religious services there free of charge.

When you’re done with your guided or self-guided tour — and you’ve seen the Coronation Chair, visited the garden, and learned about all the famous people buried at the Abbey — you can take a short walk to see Big Ben. The iconic clock tower has been going through a yearslong renovation, but Big Ben is now ringing again. (Access to the inside of Big Ben is limited, however.) Westminster-Abbey.org/visit-us

9. Museum Hop

The British Museum is known around the world for its vast collection of ancient artifacts. Must-sees like the Rosetta Stone, the Parthenon sculptures, and Egyptian mummies have made it the most-visited attraction in England. To make your visit more manageable, the museum offers three different “Object Trails” that highlight the most popular objects on display. BritishMuseum.org/visit

Ready for something a little more contemporary? At the Tate Modern, visitors can shake off the traditional and gaze upon amazing modern and contemporary works by artists like Picasso and Cezanne. And the museum’s location, on the Thames River, is breathtaking. You can see the permanent collection for free, and if you bring children, there are creative activities just for them. Tate.org.uk/visit/tate-modern

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10. See a Show

Whether you want to see Shakespeare, a musical, a comedy, or something avant garde, see what’s available at the West End theaters and elsewhere. You might see anyone from Oscar-winner Mark Rylance to singer-songwriter-actor Lily Allen on stage.

Another option: Take a backstage tour of the National Theatre to gain a bit of context about the London stage scene. NationalTheatre.org.uk/your-visit/things-to-do/theatre-tours/

Insider Tips

While researching the top things to do in London, we picked up a few insider tips that could improve your trip, including:

Choose Your Home Base

To help make your London trip more manageable, you may want to keep your sightseeing goals in mind when choosing your accommodations. The Southbank neighborhood may be your best bet, for example, if you want to be close to popular tourist attractions, including the London Eye and Tate Modern. The West End is another popular area for tourists looking to stay in the city center, and it’s known for its shopping and nightlife. And the Mayfair area, near Hyde Park, is a posh yet welcoming place to explore.

No matter where you stay, it’s a good idea to make sure you have easy access to London’s public transportation system, so you can get where you need to go quickly and inexpensively.

Avoid the Long Lines at Attractions

The lines can be long at London attractions, but there may be ways to get around them. If you can, avoid peak hours and dates when visiting popular attractions. And look for “skip-the-line” entrance tickets you can purchase in advance on many attraction websites.

Have a Plan for How You’ll Pay

It can be a good idea to bring some cash, your debit card, and a couple of credit cards to pay for various things when you’re in London. (VISA and Mastercard may be more widely accepted than other cards.)

You also may want to bring at least one travel credit card so you can get rewarded for qualifying purchases while you’re abroad. And if you can, bring a credit card that doesn’t charge foreign transaction fees.

It can be wise to budget for the amount of money you’ll bring with you as well as how you will pay for some larger expenses. Those can earn you rewards that, whether you opt for cash back vs. miles, can help you afford your next trip.

The Takeaway

London is full of historic delights, whether that means watching the Changing of the Guard ceremony, touring the Tower of London, or taking in a show in the West End. Because there’s so much to do in London, planning your trip can be a little daunting. Deciding which experiences are on your personal list of top things to do, however, can be a good place to start. Having a “must” list can help you decide where to stay, how much you’ll need to budget, and how you’ll pay for it all. That way, you can be sure that whatever activity you daydream about most (from high tea to seeing where Harry Potter was filmed) can be accommodated.

Whether you want to travel more or get a better ROI for your travel dollar, SoFi can help. SoFi Travel is a new service exclusively for SoFi members that lets you budget, plan, and book your next trip in a convenient one-stop shop. SoFi takes the guessing game out of how much you can afford for that honeymoon, family vacation, or quick getaway — and we help you save too.

FAQ

Where can you see art in London?

You can see great art in museums all over London or simply by strolling through the city and keeping an eye out for street art. Look for some amazing (and ever-changing) art in the Leake Street Tunnel in Central London, in the Shoreditch area of East London, and on the Millennium Bridge, which pedestrians use to cross the Thames.

What’s the nightlife like in London?

Like any major city, there’s a wide variety of clubs, bars, pubs, and other activities for night owls to enjoy in London. You can ask your hotel concierge for suggestions or research your options online.

What are some off-the-beaten-path things to do in London?

For unusual things to do in London, you might visit one of the quirky historic homes/museums in the city, like Leighton House or Sir John Soane’s Museum. You might also take a colorfully painted London “waterbus,” a picturesque ride down a canal linking Camden Market and Little Venice neighborhoods.

Photo credit: iStock/TomasSereda

¹See Rewards Details at SoFi.com/card/rewards.

**Terms, and conditions apply: The SoFi Travel Portal is operated by Expedia. To learn more about Expedia, click https://www.expediagroup.com/home/default.aspx.

When you use your SoFi Credit Card to make a purchase on the SoFi Travel Portal, you will earn a number of SoFi Member Rewards points equal to 3% of the total amount you spend on the SoFi Travel Portal. Members can save up to 10% or more on eligible bookings.

Planning a trip to Paris is exciting, bien sûr (that’s French for “of course”). There’s so much to do and see, from the grand boulevards and gorgeous architecture to the renowned museums and boutiques to the fun of hitting flea markets or just sitting at a café and people-watching.

It can be tough to whittle down all the amazing things to experience in the City of Light to a short list of absolute “must-dos.” Should you stick with tried-and-true bucket-list items, like visiting the Eiffel Tower and the Louvre? Or should you wander a bit outside those boundaries and book a bicycle tour or train trip?

The best answer may be to do a little of everything. Here, you’ll learn seasoned travelers’ tips and picks for fun things to do in Paris so you can create your own list of adventures.

Best Times to Go to Paris

Although many say there is no wrong time to go to Paris, you may want to choose your travel dates based on when the weather is at its best (based on your personal preference), how well you can deal with crowds, and the celebrations and festivals that might be occurring during your visit.

For example, if you want to attend the Carnaval de Paris, with its colorful Mardi Gras-like parade, you’ll want to time your trip so you’re there in the late winter. Or if you’re into fashion, you may wish to visit in the fall, during Paris Fashion Week, to soak up the excitement (just be warned, hotel rooms may be scarce and pricier than usual).

Frequent travelers tend to prefer Paris in the late spring and summer, when the skies are mostly clear and the weather is warm. But if you don’t mind the cold, the city also sparkles in the winter, especially during the holidays.

Bad Times to Go to Paris

Because many Parisian families take their vacations in August, you may run into more restaurant and shop closures during that month. That doesn’t necessarily make it a bad time to go — but you may want to check ahead to be sure you’ll still be able to see and do what you want while you’re in the city.

Also, of course, the summer travel season is when the city tends to welcome the most visitors. If you’d like to avoid the crowds, you might prefer to plan your Parisian vacation for spring or fall.

Average Cost of a Paris Vacation

The cost of a Paris trip can vary significantly, depending on how long you stay, when and where you stay, and other factors. For instance, are you happy grabbing inexpensive fare on the go, or are you the type who wants to dine at Paris’s most exclusive eateries?

Travel sites put the average cost of a weeklong Paris trip at about $1,550 for an individual and $2,600 for a couple. This represents daily costs of lodging (two people to a room), plus local transportation and basic food costs. (If you’re traveling with your kids or traveling with pets, the cost can be significantly more.)

Here are just a few of the costs you may want to consider when you’re budgeting for your trip:

Getting There

Roundtrip airfare to Paris can range widely, based on where you’re flying from, when you’re traveling, how many stops you’re willing to make, and the class of service you choose. A search in April 2023 found that an economy flight with one stop from Chicago to Paris cost $1,167 or more round-trip for flights in May. Want to fly nonstop? That will cost about $1,500 round-trip. (Don’t forget to look at how credit card travel insurance works, just in case your flight is canceled, your luggage gets lost, or some other mishap occurs.)

Accommodations

If you’re willing to stay at a hostel or a budget hotel, you may be able to save money on hotels, possibly a significant amount. Otherwise, you can expect to pay from $150 to $600 per night for a mid-range to luxury hotel in the city, though prices can certainly vary depending on the time of year and how far in advance you book.

If there are several people in your group, you might look into renting an apartment for a true “live like a Parisian” experience and lower price tag. This can also be how families can afford to travel.

Dining

The average spend per person for food in Paris is about $45 per day. But your tab may go up or down (just like at home) based on how often you dine out, the restaurants you choose, and of course, how many cocktails you consume.

If you opt for fast food or a simple ham sandwich eaten on a park bench, you will obviously spend less than if you are having an exquisite lobster dish at a top-notch bistro.

Tip: Are you splurging on luxurious meals? You may want to consider how to charge those expenses to make the most of your credit card rewards.

Sightseeing

You can wander the beautiful streets of Paris for free, but the museums and other tourist attractions typically cost $15 or $20 per person. The famed Louvre Museum, for instance, typically charges about $18; at the Musée d’Orsay, the cost is similar. However, you may luck out here and there: The Petit Palais’ incredible permanent collection is free.

If you hire a guide or buy souvenirs, it could be more. But you also can save by purchasing a multi-day Paris Pass or Paris Museum Pass to gain entry to various top attractions. (A pass also may get you past the long lines at some attractions.)

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10 Fun Must-Dos in Paris

No matter how fast a walker and how high-energy you may be, there is no way to see everything when you go to Paris. There’s just so much, it would be impossible to squeeze it all into a week, or two, or 10. But if you go in with a plan — and some word-of-mouth recs from friends and frequent travelers to France — you can up the chances that you’ll hit your fair share of Paris highlights.

Here, culled from dozens of travel sites, blogs, and “best of” lists, plus frequent visitors’ advice, is a lineup of the top things to do around the city.

1. Take in, Then Dine in, the Eiffel Tower

Of course, you can’t miss the Eiffel Tower! You can see it during the day, from a tour boat, from the street, or by climbing the tower stairs (or taking an elevator) with or without a guide. Or you can take your experience to a whole other level and book a table at the Michelin-starred Jules Verne restaurant on the second level of the tower. The Jules Verne is open for lunch and dinner every day except July 14 (Bastille Day). Restaurants-TourEiffel.com/en/jules-verne-restaurant.html#b9

2. Visit the Louvre Museum

The Musée du Louvre makes every Paris “must” list, and here’s why: Leonardo da Vinci’s “Mona Lisa” is there along with other amazing works by da Vinci, Michelangelo, and Rembrandt. In fact, there are tens of thousands of works of art at the museum and some amazing artifacts. (Let’s face it, the architecture alone is worth a visit.) Worried you’ll be overwhelmed? You can always sign up for a theme-based tour or take a break in the museum’s gardens. Louvre.fr/en/

3. Walk Like a Parisian

The Rive Gauche, or Left Bank, is home to many of Paris’s memorable attractions, including the Louvre, the Eiffel Tower, and Notre-Dame Cathedral (see also below). But if you want to get a taste of what life is really like for a Parisian, you also may want to plan a leisurely stroll through this part of the city.

You could start with coffee at Café de Flore (CafedeFlore.fr/?lang=en), for example, one of the city’s most famous cafés. Then maybe stop to shop at the oldest department store in Paris, Le Bon Marché (LeBonMarche.com/en/store-2), known for its architecture and fantastic fashions. You won’t want to miss the macarons at Ladurée on Rue Bonaparte (Laduree.fr/en/). And from there you can take a 10-minute walk to Le Jardin du Luxembourg (Luxembourg Gardens; ParisInfo.com/ paris-museum-monument/71393/Jardin-du-Luxembourg), one of the best free things to do in Paris. It’s a beautiful park with sculptures, fantastic flowers, and a pond where kids and adults sail their toy boats.

4. Watch the Sunset at Montmartre

Paris’ Montmartre neighborhood is a favorite among travelers, who love its quirky bohemian vibe and breathtaking sunsets from the steps of the beautiful Basilique du Sacré-Cœur basilica (Sacre-Coeur-Montmartre.com/english), with its iconic domed silhouette. During the day or at dusk, you’ll get a panoramic view of Paris, and if you hang around long enough, you’ll also see the city’s lights start to twinkle.

5. Check out the World Famous Churches

With its magnificent Gothic architecture and its amazing history, Notre-Dame de Paris (NotreDameCathedralParis.com/) is, for many travelers, a bucket-list destination. Though the iconic structure was nearly destroyed in a 2019 fire, its restoration is well underway, and a full reopening is scheduled for 2024. Along with Notre-Dame and Basilique du Sacré-Cœur (mentioned above), there are many beautiful churches worth visiting in Paris, including La Sainte-Chapelle (Sainte-Chapelle.fr/en) and Église Saint-Eustache (Saint-Eustache.org/).

6. Whip Up Some Fun at Chateau de Chantilly

Looking for fun things to do in Paris with kids? At the Château de Chantilly, there are horses, history, and even whipped cream workshops! The castle is actually about 40 kilometers (24 miles) outside Paris, but you can easily get there if you’re renting a car or take the train. (Take a taxi or bus from Chantilly Station). ChateaudeChantilly.fr/en/access/

7. Make Time for the Musée d’Orsay

The Musée d’Orsay is the second-largest museum in Paris and a must-see if you’re a fan of Impressionist art. You’ll find works by Claude Monet, Edward Degas, Vincent Van Gogh, and Paul Gauguin, as well as sculptures, photography, and more. And the building that houses the museum, the former Orsay railway station, is an architectural gem. Another plus: The crowds tend to be a bit more manageable than at the Louvre. The museum is closed on Mondays, however, so plan accordingly. Musee-Orsay.fr/en/visit

8. Get Chills at the Arc de Triomphe

The exterior of the iconic Arc de Triomphe is in and of itself something to admire, with its four massive bas-reliefs depicting important events in French history: The Entry of Napoleon, The Departure of the Volunteers (also known as La Marseillaise), The Conquest of Alexandria, and The Battle of Austerlitz. But the monument also has a viewing platform with a sweeping view of Paris, and it will likely be less crowded than the Eiffel Tower. fr/en/paris/article/arc-de-triomphe

9. Tour the Père Lachaise Cemetery

You may have heard of the Cimetière du Père Lachaise, France’s largest and most famous graveyard. Many actors, singers, writers, musicians, and other personalities are buried there, including Jim Morrison, Edith Piaf, Oscar Wilde, Frederic Chopin, and Gertrude Stein. It’s also a lovely, lush green space, filled with remarkable sculptured tombs. You can take a guided tour to get the history and locations of some of the hardest-to-locate gravesites, or you can scan a QR code just inside the entrance to get a map. Pere-Lachaise.com/

10. Take a Cruise Down the Seine

If you want to kick back and relax a bit while you see the sights, you may want to consider a river cruise down the Seine. Cruises range from one-hour sightseeing tours to hop-on-hop-off day trips, to weeklong voyages that can take you from Paris to the Normandy beaches and beyond. You’ll get a different perspective on the city, and a close-up look at its beautiful bridges, including the Pont Neuf, believed to be the oldest stone bridge in Paris, and the Pont Alexandre III, with its ornate sculptures.

Insider Tips

Follow these tips to enhance your time exploring the best things to do in Paris:

Location, Location, Location

Paris consists of 20 districts (the French call them arrondissements), and each is a little different. Some have lovely streets to stroll, while others may be closer to famous attractions or have better shopping. Keeping your sightseeing goals in mind when you choose your accommodations can make your time in Paris even more enjoyable.

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Avoid the Long Lines at Attractions

The lines are notoriously long at Paris attractions, but there are ways to get around them. If you meet up with a guide, for example, you typically can bypass the lines and go right inside. Many attractions also offer skip-the-line entrance tickets you can purchase in advance on the website. Or you can buy a Paris Museum Pass or Paris Pass to avoid the wait at popular venues. (You’ll still have to go through security lines, however.)

Get Yourself Some Wheels

If just the idea of walking everywhere in Paris is giving you foot cramps, you may want to consider renting a bicycle or a motorized bike for a day or two. You can go your own way at your own pace or take a guided bike tour of the city.

Of course, the city’s metro (or subway) system also stands at the ready and can be a fast way to zip around, albeit underground.

Have a Plan for How You’ll Pay

Even if you are planning a “book now, pay later” vacation, it’s wise to develop a budget and follow it.

When you actually head to the airport, it can be a good idea to bring some cash, your debit card, and a couple of credit cards to pay for various things in Paris. (VISA and Mastercard may be more widely accepted than other cards.) You also may want to bring at least one travel credit card so you can get rewarded for qualifying purchases while you’re abroad. And, if you can, bring a credit card that doesn’t charge foreign transaction fees.

When it comes to money and plastic, remember that big, crowded cities anywhere have their share of pickpockets, so pay attention and keep your wallet and bag secure.

The Takeaway

Because there’s so much to do, traveling to France can be a little daunting. So plan ahead and decide which experiences are on your personal list of top things to do in Paris. Having a “must” list can help you decide where to stay, what you’ll need to bring, how much you’ll need to budget, and how you’ll pay for it all. Then you’ll be set to visit the city’s world-famous landmarks, stroll through its wonderful neighborhoods, and feast on French food. You’re bound to have a magical, memorable time.

SoFi Travel is a new service exclusively for SoFi members. Through a partnership with Expedia, we make it easy to find the lowest rates and book your reservations — for flights, hotel rooms, car rentals, and more — all in one place. Earn 2x rewards when booking with your SoFi Mastercard or debit card. And when you redeem your SoFi rewards for travel, you get a 25% bonus: $100 of reward points are worth $125.

FAQ

How much French do I need to know to visit Paris?

You don’t have to take a language course, but you may want to keep a few basic French phrases at the ready, such as bonjour (hello), merci (thank you), pardon (sorry/excuse me), and “Parlez-vous anglais?” (Do you speak English?).

What are things you cannot miss when visiting Paris?

Many people feel that a visit to the Eiffel Tower, the Louvre Museum, and Notre Dame cathedral (currently under restoration) are must-see locations in Paris. Also, sitting outside at a café and watching the world go by is a pleasure.

What are some non-touristy things to do in Paris?

If you long to get away from other tourists but still do fun things in Paris, France, you could visit Paris’s largest open-air food market, Marché Président Wilson, in the 16th arrondissement. You can join shoppers from the neighborhood and beyond buying vegetables, flowers, wine, and pastries. You might also visit one of Paris’ wonderful but lesser known parks, like Parc des Buttes Chaumont in the 19th district.

Photo credit: iStock/Eloi_Omella

¹See Rewards Details at SoFi.com/card/rewards.

**Terms, and conditions apply: The SoFi Travel Portal is operated by Expedia. To learn more about Expedia, click https://www.expediagroup.com/home/default.aspx.

When you use your SoFi Credit Card to make a purchase on the SoFi Travel Portal, you will earn a number of SoFi Member Rewards points equal to 3% of the total amount you spend on the SoFi Travel Portal. Members can save up to 10% or more on eligible bookings.

New York City is one of America’s most iconic locations. With landmarks like the Statue of Liberty and the Empire State Building, the energy of Broadway, and the allure of world-class museums and shopping, there’s plenty to experience. Whether you’re planning to visit for a few days or a few weeks, you probably want to make sure you see as many cool things as possible when in town.

That’s where this list can help. You’ll find 10 cool things to do in New York City, plus smart advice on making your trip as affordable and enjoyable as possible. This list, culled from travelers’ reviews, guides, and native New Yorkers, will help you have a magical time in this exciting town.

Best Times to Go to New York City

Many people feel that spring and fall are the best times to go to New York City. The weather is mild, so you can easily toggle between indoor and outdoor activities. November through December time is also a popular time to visit New York. There are many holiday events and decorations to see, like the giant Christmas tree at Rockefeller Center or the Radio City Christmas Spectacular starring the Rockettes, as well as winter markets at various parks where you can find great gift items while drinking hot cocoa.

Bad Times to Go to New York City

Summer travel to New York City is popular, so you’re more likely to find crowds. Factor in the possibility of high heat and humidity, and perhaps you may want to think twice if that doesn’t appeal and your schedule allows for flexibility.

Winter (after the holidays, that is) is a time that many people avoid New York City. Yes, it can be cold, but there’s a silver lining. If you’re looking for how to save money on hotels while in NYC, the best time to go would be between January through March. There will be fewer people vying for hotel rooms, so rates are likely to be lower. You can still get your fill of great restaurants, shopping, shows, and museums.

Average Cost of a New York City Vacation

If you’re visiting New York City for the first time, you’ll probably want to stay in Manhattan versus in one of the other boroughs, to be closer to most of the celebrated attractions. However, Manhattan can be expensive, so if you’re looking to save money, you could also look at staying in another borough, like Brooklyn, which is becoming a destination in its own right.

Hotel prices will also vary a lot within Manhattan based on your location, date of visit, and quality of hotel. You can find hotels for anywhere from $150 to $550 per night in Manhattan.

When budgeting for a trip to New York City, don’t forget to include things like:
Food, whether that’s an omakase menu at a Japanese place or a pretzel from a street vendor, plus drinks
Entertainment. Perhaps you’ll see a Broadway show, visit museums, or stop by a comedy club. Factor those in.
Transportation. New York City is a very walkable town, but distances can be significant. Make sure you have funds for taxis, Ubers, and bus and subway rides. Don’t overlook the city’s ferry system either; you can get great skyline views traveling by boat.

Recommended: What Is an Airline Credit Card?

A Few Notes on Financing Your Trip

A New York trip can be pricey, so heed this advice:

•   When planning your New York City vacation, be wary of “book now, pay later” travel options. Those can lead you to rack up significant debt. To save money on interest, you should try to save up for at least some of your expenses ahead of time.

•   Make sure to do your research on where to keep a travel fund. An interest-bearing savings account can earn you some extra cash towards your trip.

•   If you’re thinking about booking a trip to New York City (or anywhere, actually), look into travel insurance. You could get sick right before your departure, your luggage could get lost, and other unforeseen circumstances could crop up. If you pay for your trip with certain credit cards, they may provide travel insurance for certain situations. You should understand how credit card travel insurance works when deciding whether to purchase private travel insurance.

10 Fun Must-Dos in New York City

If you’re planning a trip, it can be difficult to narrow the list down to only 10 top things to do in New York. Here are cool highlights mostly for a tourist who is new to New York City, but there are some things on the list that you may not have been to before even if it’s not your first visit. Most attractions and events are in Manhattan, since that’s where most tourists stay. However, you will see a few options in other boroughs. Also, New York City can be expensive, so note the free activities and sites included in the list.

A couple of quick notes:

•   New York City is one of the most pedestrian-friendly cities in the United States, so you likely won’t need to think about renting a car. You can visit most sites and attractions by walking or taking the subway or a taxi.

•   You’ll find that NYC can also be a great city if you’re traveling with pets. You can walk your dog in Central Park or down any sidewalk without issues.

The following are recommendations for the top 10 fun things to do while visiting New York City.

1. Explore Central Park

Central Park is one of the most famous parks in America. It offers much-needed green space to the city, with a zoo, playgrounds, fountains, monuments, bridges, sculptures, walking/running paths, a boat pond and boathouse, an ice-skating/roller-skating rink, and more. Plus, there are many events, concerts, and activities that happen year-round in Central Park. Central Park is free, and is open from 6 am to 1 am.

2. See the Skyscrapers

Skyscrapers are part of what makes New York City so famous. The Empire State Building was considered the world’s tallest building when it opened in 1932. It’s no longer the tallest, but it’s still a world-famous attraction. Located in midtown Manhattan, it’s been seen in countless movies and TV shows. And from that high up, you get an incredible view of this iconic city.

Ticket prices for this attraction can be pricey. Visiting the main 86th-floor open-air observatory cost $38 to $44. You can also get a ticket that will also allow you to go all the way up to the 102nd floor observation deck for $73 to $79. One way to make the price feel a bit less steep: Get cash back when you charge your tickets thanks to credit card rewards. esbnyc.com/

Other places to take in a great view: The Edge NYC (edgenyc.com/en) at Hudson Yards, Summit One Vanderbilt (summitov.com/) in Midtown, and One World Observatory (oneworldobservatory.com/) downtown.

3. Scoot over to the Statue of Liberty

The Statue of Liberty, all 305 feet of it, is a copper-clad neoclassical statue that is perhaps one of the most iconic symbols of freedom and welcome in the world. You can visit the Statue of Liberty on Liberty Island by taking a ferry from Battery Park in Lower Manhattan. Plan on devoting several hours to exploring this celebrated artwork.

Tickets cost $19 to $31.50 and include a round-trip ferry ride, access to the grounds of the Statue of Liberty on Liberty Island, the Statue of Liberty Museum, and the Ellis Island Immigration Museum on Ellis Island. If you want to go inside the monument, you’ll have to purchase a ticket that includes “Pedestal Access.” These tickets cost $25.30 to $31.80. nps.gov/stli/planyourvisit/fees.htm

You can also view the Statue of Liberty for free from The Battery.

4. Discover the Heart of Midtown Manhattan

Architecture fans will delight in Rockefeller Center, a fantastic collection of Art Deco buildings in Midtown Manhattan with a plaza, a skating rink, sculptures, NBC Studios, stores, and restaurants. If you ever watched 30 Rock or the tree get lit during the holiday season, you are probably familiar with it. It can be a fun place to explore or simply grab some coffee and do some window-shopping.

You can get tickets for a tour of Rockefeller Center ($27) or to go to the Top of the Rock Observation Deck ($34 to $40). Nearby is the famous St. Patrick’s Cathedral, Saks Fifth Avenue’s original store, and Bryant Park. rockefellercenter.com/

5. Visit the National September 11 Memorial and Museum

The National September 11 Memorial and Museum honors the victims of the September 11, 2001 terrorist attacks. The memorial features twin reflecting pools where the World Trade Center’s twin towers once stood. The museum includes poignant multimedia displays, artifacts, and real recordings from the day, giving visitors a chance to contemplate the tragic events and remember the losses endured.

The museum is open Wednesdays through Mondays from 9 am to 7 pm. Tickets to the museum cost $17 to $29, and tours are available. 911memorial.org/

6. Stroll Along the High Line

Here’s another of the best things to do in New York: Walk the High Line, a 1.5-mile pedestrian walkway and park that’s been constructed along an abandoned elevated rail track. It’s now beautifully landscaped with lush, naturalistic plantings, and you’ll also see artworks on display as you stroll along. In addition, you’ll pass through several Manhattan neighborhoods, winding from Hudson Yards through Chelsea to the Meatpacking District, above the traffic. The High Line, which is open from 7am to 10pm, is free to enter, which can help be a way for families to afford to travel. thehighline.org/visit/

It can be a fun detour to descend from the High Line in Chelsea and visit some of the art galleries that the neighborhood is known for. Or, at the southern end of the High Line, take a brief walk to Little Island, a new public park that’s actually in the Hudson River (littleisland.org/).

7. Be Amazed at the Metropolitan Museum of Art

The Metropolitan Museum of Art (also known as “the Met”) is a vast trove of masterpieces from around the world. Whether you’d like to see some Tiffany stained glass, Dutch landscapes, Medieval armor, or ancient sculptures, you’ll find it at the Met. You may not be able to see everything in one day, but even if you only have a couple of hours free, it’s worth a visit. It’s located on the Upper East Side, at the edge of Central Park, and its grand front steps are where many locals and tourists alike enjoy sitting in good weather.

Tickets to the Met cost $17 to $30; kids under age 12 are free. If you’re a resident of New York State or are a student in New York, New Jersey, or Connecticut, you have the option to “pay what you wish” for your tickets. The museum is open from 10 am to 5 pm, except for Wednesdays and a few holidays. metmuseum.org/

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8. See a Broadway Show

Some would say a trip to New York City is not complete without seeing a Broadway show. Whether that means a long-running hit, like The Lion King, Hamilton, or Chicago, or something brand new, the excitement of live theater makes for a signature NYC experience. Broadway is located near Times Square and houses theaters with many plays and musicals. Shows rotate, and ticket prices vary drastically depending on the show, day, and seat. broadway.com/

There are dozens of great restaurants nearby that cater to the pre-theater crowds and will get you in and out on time for your curtain. Picking where you want to eat can be a fun challenge, and a great way to enjoy dinner and a show.

9. Get Acquainted with a Big City Garden

Although not located in Manhattan, the Brooklyn Botanic Garden is an expansive and beautiful park with unique plants, conservatories, and events. There are 13 gardens within the Brooklyn Botanic Garden, including the Japanese Hill and Pond Garden with cherry blossoms that peak during April of each year, as well as a Shakespeare Garden.

Tickets cost $12 to $18. The Garden is closed on Mondays, and hours vary depending on the time of year, so check the website before going. bbg.org/visit

Or head to the Bronx and visit the New York Botanical Garden. It has a magnificent Victorian-style conservatory, forests, a gorge, and flowers (including an award-winning rose garden) on 250 acres, making it America’s largest city garden. Admission for adults is $35 for an all-garden pass, including a tram tour; the garden is typically open from 10 am to 6 pm, except on Mondays. nybg.org/visit/admission/

10. Find a Food Hall

Of course, you’ll eat well while in NYC. One fun way to get a taste of city life is to visit one of Manhattan’s fun spaces full of food stalls. These range from the Tin Building (everything from egg sandwiches to caviar) downtown by South Street Seaport, Essex Market (bagels, kebabs, Peruvian fare, and more) on the Lower East Side, Chelsea Market (from crepes to tacos) in the Chelsea neighborhood, UrbanSpace NYC (multiple locations with dumplings, pizza, ramen, among other delights), and Midtown’s Urban Hawker, with Singaporean food.

The Takeaway

New York City is a travel destination that few people can resist. This high-energy city has something to offer almost anyone, whether you’re interested in shows, shopping, food, art, or (surprise!) parks and gardens. If it’s your first visit or your seventh, you’ll find dozens of fun things to do in New York City that can make for an incredibly memorable trip.

SoFi Travel is a new service exclusively for SoFi members. Through a partnership with Expedia, we make it easy to find the lowest rates and book your reservations — for flights, hotel rooms, car rentals, and more — all in one place. Earn 2x rewards when booking with your SoFi Mastercard or debit card. And when you redeem your SoFi rewards for travel, you get a 25% bonus: $100 of reward points are worth $125.

FAQ

What free things can I do in New York?

There are plenty of free things to do in New York. In addition to special free events, you can walk on the High Line, check out Times Square, or take a walk through Central Park.

What should I do on my first trip to New York?

If you have never been to New York City before, seeing such iconic sites as Central Park, the Empire State Building, and the Statue of Liberty can be worthwhile.

What are some things to do in New York when you’ve been before?

If you have been to New York City before, you may have visited the major tourist sites already. Some lesser-known things to do in New York include visiting the Brooklyn Botanic Garden or New York Botanical Garden, taking a food tour, riding the Roosevelt Island Aerial Tram, and checking out Queens Museum. You might also explore Williamsburg, a popular Brooklyn neighborhood, or walk across the Brooklyn Bridge.

Photo credit: iStock/bloodua

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**Terms, and conditions apply: The SoFi Travel Portal is operated by Expedia. To learn more about Expedia, click https://www.expediagroup.com/home/default.aspx.

When you use your SoFi Credit Card to make a purchase on the SoFi Travel Portal, you will earn a number of SoFi Member Rewards points equal to 3% of the total amount you spend on the SoFi Travel Portal. Members can save up to 10% or more on eligible bookings.

Sure, you could spend an entire Miami vacation just relaxing on the beach, people-watching, and sipping cold drinks.

But there’s so much to explore in the Magic City, you also could build an almost limitless list of fun things to do in Miami. In fact, you may have trouble narrowing it all down to a manageable itinerary of absolute must-sees — whether you’re visiting on your own, as a couple, or with friends or family.

You could have an amazing time just focusing on bucket-list items, like going to Little Havana or strolling the Miami Beach Boardwalk. Or you might use your time to take in Miami’s renowned architecture or to go shopping or history hunting.

The best answer may well be to mix it up and sample the sunny outdoors, the arts, plus some of the great food and nightlife. So here is a curated list of seasoned travelers’ tips and picks for the top things to do in Miami, Florida. Get ready for an amazing adventure.

Best Times to Go to Miami

Springtime is probably the best time to visit Miami — if you don’t mind the crowds — followed closely by December through February. The weather is typically warm, but you’ll avoid the heat and humidity.

You may find there’s a festival or two you’ll want to base your visit around. If you travel in March, for example, you can enjoy Carnaval Miami events, like the Calle Ocho Music Festival or Art on the Drive. And in December, the Art Basel international art fair comes to town.

Bad Times to Go to Miami

There really isn’t a wrong time to go to Miami. The beach is always there, after all. But if heat, humidity, rain, and the potential for hurricanes aren’t your thing, you may want to avoid summer travel to Miami or planning a vacation for the summer or early fall.

Average Cost of a Miami Vacation

The cost of a vacation in Miami can vary significantly, depending on how long you stay, when and where you stay, and how you get there. (And, of course, you might lower the price tag by using credit card miles or cash back.)

Travel sites generally put the average cost of a weeklong trip at about $1,200 to $2,450 for an individual and $2,300 to $4,600 for a couple. (If you’re traveling with your kids or traveling with pets, the cost could be significantly more.)

Here are just a few of the costs you may want to consider when budgeting for your trip (and when you’re figuring out how to make the most of your credit card rewards):

Getting There

Roundtrip airfare to Miami can average from $200 to $600 or more, based on where you’re flying from and when you’re traveling. (Don’t forget to look at how credit card travel insurance works, just in case your flight is canceled, your luggage gets lost, or some other mishap occurs.) Driving could end up costing about the same, or even more, if you have to stop at a hotel for a night or two.

Accommodations

If you’re willing to stay at a budget hotel or a hotel or rental that’s outside the more popular areas of the city, you may be able to save some serious money in this category. Otherwise, you can expect to pay about $150 to $700 or more (much more) per night for a mid-range to luxury hotel on your Miami trip.

Transportation

Though much of Miami is walkable, to conveniently get around to everything you want to see, you may want to rent a car. A mid-size SUV could cost about $21 to $66 per day, and a convertible can be about $65 per day.

Dining

The average spend per person for food in Miami can range from $30 to $100 per day. But your food bill may go up or down (just like at home) based on how often you dine out, the restaurants you choose, and whether you drink tap water or an excellent bottle of wine. A couple of street tacos or a fast-food meal, for example, could cost less than $10, while a meal in a nice restaurant like Joe’s Stone Crab might be $100 or more per person.

Sightseeing

There are many free things to do in Miami, and admission to most museums and other attractions generally costs $25 or less for an adult.

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10 Fun Must-Dos in Miami

There’s so much to do in and around Miami, it could be a challenge to squeeze it all into one week—or even two or three weeks. But if you go in with a plan having pre-selected some must-see destinations, you can improve the chances that you’ll get to your fair share of fun activities.

To help get you started, here’s a list of 10 cool things to do in Miami, compiled from dozens of travel sites, blogs, and “best of” lists, plus advice from savvy travelers.

1. Check Out the South Beach Scene

You’ve seen it in movies. You’ve read about it in books. When most people think about Miami, they probably picture the iconic South Beach area. There’s plenty there to explore, from the beautiful, expansive beach to the Art Deco buildings, trendy boutiques, and top-rated bars and restaurants. And the free South Beach Trolley loops around the neighborhood from 8 am to 11 pm seven days a week. It’s a popular area, so expect to find crowds, especially when the weather is at its best.

2. Take a Tour of Little Havana

You can book a bus tour or walking tour of Miami’s Little Havana neighborhood to get the full story on its food and cultural diversity. Or you can settle in with a mojito at one of the excellent restaurants there, then wander over to watch a dominos or chess match at Domino Park at the corner of Calle Ocho (Eighth Street) and 15th Avenue.

3. Check Out the Wynwood Arts District

Another top thing to do in Miami: You can take in the street art for free in the super-cool Wynwood Arts District. Then, for more cutting-edge art, buy a ticket to see the Wynwood Walls outdoor museum. Artists from around the world have covered the museum’s abandoned warehouse walls with graffiti and street art. The district is also home to several art galleries, a variety of well-reviewed restaurants, and chic, high-end shopping. thewynwoodwalls.com/

4. Do Some Time-Traveling at HistoryMiami

HistoryMiami is celebrating 80 years of providing access to archives and artifacts that bring South Florida’s stories to life. You can visit the museum’s permanent and rotating exhibitions to get a true feel for the area’s history and heritage, and its evolution. historymiami.org

5. Linger at the Lush Fairchild Tropical Botanic Garden

If you’re a fan of flowers, butterflies, and all things green, a trip to the Fairchild Tropical Botanic Garden is a must. Its horticultural collections include tropical fruit trees, orchids, palms, and Florida native plants; and while you’re there, you can wander over to the Wings of the Tropics exhibit to see hundreds of spectacular butterflies fluttering about. The museum hosts several family-friendly festivals and other events throughout the year, including the mouth-watering Bacon & BBQ Classic in June. fairchildgarden.org/

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6. Miami Beach Boardwalk

The scenic Miami Beach Boardwalk (sometimes referred to as the South Beach Boardwalk) is a favorite with tourists and locals alike. The pathway starts at the southern point of South Beach and stretches seven miles along the ocean to the Surfside border in North Beach. Or you can venture off the boardwalk onto Lincoln Road and explore the popular shopping district there.

You also may want to build a visit to New World Center into your itinerary and take in a movie or concert from the lawn of SoundScape Park. miamibeachboardwalk.com and nws.edu/events-tickets/wallcast-concerts-and-park-events

7. Go Birding in Barnacle Historic State Park

If you’re ready for something a little outside the city, you might want to take a drive over to Coconut Grove and visit The Barnacle Historic State Park. The park’s location and landscaping attract herons, pelicans, kingfishers, and other shorebirds. While there, you also can take a guided tour of the Munroe House Museum, located on the shore of Biscayne Bay, to get an idea of what life was like for pioneer and sailor Ralph Middleton Munroe in the late-1800s. Picnics are allowed on the lawn, and events are scheduled throughout the year at the museum and park. floridastateparks.org/parks-and-trails/barnacle-historic-state-park

8. Enjoy Miami’s Exhilarating Nightlife

Miami has a little bit of everything when you’re ready to head out at night, from comedy, improv, and karaoke clubs to nightclubs with rooftop lounges, live music, and dancing, to neighborhood pubs where you can sample a microbrew and watch the ballgame on a big screen. Keep in mind that if you’re heading to a nightclub, there will likely be a dress code that just says no to flip-flops, ball caps, tank tops, and shorts.

9. Tour the Art Deco District

If you’re an architecture buff or just like to look at cool old buildings, you may want to spend some time in Miami Beach’s Art Deco Historic District. You can take a guided or self-guided walking tour of the district’s lovingly restored buildings. Then learn more about Miami Beach’s Art Deco, Mediterranean Revival, and Miami Modern design styles at the Art Deco Museum and Welcome Center. miamiandbeaches.com/things-to-do/history-and-heritage/art-deco-historic-district

10. Take a Walk on the Wild Side at the Shark Valley Loop

The 15.4-mile Shark Valley Loop Trail is one of the highlights of the vast Everglades National Park and worth the trip if you’re up for a bit of a drive. (It’s about 30 miles west of the city.) You can hike or bike the trail to get a close-up look at Florida’s wild side, or you can take a two-hour guided tram tour from the Shark Valley Visitors Center. nps.gov/ever/planyourvisit/shark-valley-tamiami.htm

Insider Tips

Now that you know some of the best things to do in Miami, consider these insider tips that might help improve your trip, including:

A Little Bit About Location

To make your trip to Miami more manageable, you may want to keep your sightseeing priorities in mind when choosing your accommodations. You’ll likely save money on hotels or rentals outside the city or farther from the beach. However, traffic in the area can be challenging, and you could spend a large part of your visit just trying to get to the attractions you hope to see. If your homebase is closer in, you can take advantage of the walkability in many popular tourist areas.

Make the Most of the Fresh Seafood

If you love seafood, you’ll love dining in Miami, where you can get your favorite fish sandwich, fish tacos, scallops, shrimp, stone crab claws, clams, and lobster just about anywhere and at any time of day.

Your choices will range from cutting-edge food trucks to elegant eateries, with menu items at all price points. For a special night out, consider Joe’s Stone Crab in South Beach, which is famous for both its food and the service. Joe’s is best known for its stone crab claws and another Florida favorite: Key lime pie.

Plan How You’ll Pay

It can be a good idea to bring cash, your debit card, and a couple of different credit cards to pay for various things during your trip to Miami. You also may want to bring at least one travel credit card so you can get rewarded for qualifying purchases.

The Takeaway

Miami is a super-popular destination for a variety of very good reasons: Great weather, gorgeous beaches, amazing architecture and attractions, as well as terrific food and drink. If you decide to travel there, there are plenty of incredible sights to see, or you can have fun just lounging by the sea or a pool. That’s part of what makes Miami such a great destination for solo voyagers, couples, friends, and families to visit.

Whether you want to travel more or get a better ROI for your travel dollar, SoFi can help. SoFi Travel is a new service exclusively for SoFi members that lets you budget, plan, and book your next trip in a convenient one-stop shop. SoFi takes the guessing game out of how much you can afford for that honeymoon, family vacation, or quick getaway — and we help you save too.

FAQ

Is it helpful to know some Spanish when vacationing in Miami?

You won’t need to take a language course to get around Miami successfully, but knowing a few popular phrases could be useful, including hola (hello), gracias (thank you), ¿Cómo estás? (How are you?), and ¿Dónde está? (Where is it?).

What are the best things to do in Miami Beach on a rainy day?

Although much of Miami is built around South Florida’s beautiful weather, there are also plenty of museums and galleries to visit if it’s raining or too hot and humid.

What are some things to do in Miami for couples?

Walking the beaches and enjoying the nightlife in Miami are about as romantic as it gets. A visit to Vizcaya Museum and Gardens (vizcaya.org/) will provide lush grounds and gardens to explore and plenty of photo opportunities too.

Photo credit: iStock/Gian Lorenzo Ferretti Photography

¹See Rewards Details at SoFi.com/card/rewards.

**Terms, and conditions apply: The SoFi Travel Portal is operated by Expedia. To learn more about Expedia, click https://www.expediagroup.com/home/default.aspx.

When you use your SoFi Credit Card to make a purchase on the SoFi Travel Portal, you will earn a number of SoFi Member Rewards points equal to 3% of the total amount you spend on the SoFi Travel Portal. Members can save up to 10% or more on eligible bookings.

When applying for a form of credit such as a personal loan or credit card, applicants likely have their credit score top of mind. As they review their different credit scores, they may wonder: What’s the difference between a FICO score and a credit score?

Put simply, a FICO score is simply a type of credit score that uses the FICO credit scoring model. A credit score is essentially a generic term, whereas a FICO score is a credit score created by a specific brand.

What Is a FICO Score?

A FICO Score is a type of credit score that’s created by the Fair Isaac Corporation (FICO). It’s a very popular form of credit score, and many companies rely on it when determining the creditworthiness of applicants.

Not all lenders use FICO score models though, as some use their own credit scoring models or rely on a score made by one of FICO’s competitors.

Is a FICO Score the Same as a Credit Score?

The main difference between FICO scores and credit scores is that FICO credit scores are only offered by the brand FICO, as this particular score relies on FICO’s specific credit scoring model. A credit score, on the other hand, is a generic term referring to scores created by any model, as all credit scores are backed by a credit scoring model.

Essentially, what many credit scores do is predict how likely someone is to make their debt payments on time. FICO scores specifically predict how likely it is that someone will fall 90 days behind on a payment within the next 24 months. This credit limit is determined based on a complex algorithm that uses information from credit reports made for each consumer by the three major credit bureaus (Equifax, Experian, and TransUnion). FICO occasionally updates how it determines its scores and releases new versions of the FICO Score.

The higher someone’s credit score is — no matter where the credit score comes from — the higher credit limit and the less likely they are to miss a debt payment. The more reliable a borrower appears to be based on their credit score, the better terms a lender is likely to offer them. A lower interest rate, for instance, can lead to savings, as demonstrated by this personal loan calculator.

FICO Score vs Credit Score: Which Is Better?

A FICO score is not inherently better or worse than a credit score. The term credit score applies to the general concept of the score that comes from a credit scoring model. The FICO Score is simply a brand-name version of a credit score.

All lenders get to decide if they want to use their own internal credit scoring models or one from a brand like VantageScore or a FICO credit score. However, none of the different types of credit scores is necessarily better than the other.

FICO vs VantageScore

As briefly noted before, there are other brands that offer other credit scores to lenders. VantageScore is one of FICO’s main competitors. Like a FICO credit score, VantageScore relies on information from the three major credit bureaus’ credit reports to determine scores.

Both FICO Score and VantageScore give higher credit scores to more creditworthy individuals and their credit rating scales range from 300 to 850. Where these two scoring models differ is in how they determine their scores.

With different FICO scores, there are five categories of information that make up the overall credit score, and each category is given a different weight:

•   Payment history: 35%

•   Credit utilization rate: 30%

•   Length of credit history: 15%

•   Mix of your credit accounts: 10%

•   New credit accounts: 10%

VantageScore, on the other hand, uses six different categories, but doesn’t assign specific weights using a percentage. Instead, VantageScore places a different level of influence on each category:

•   Payment history: Extremely influential

•   Credit utilization: Highly influential

•   Length of credit history and mix of credit accounts: Highly influential

•   Amounts owed: Moderately influential

•   Recent credit behavior: Less influential

•   Available credit: Less influential

Why Is a FICO Score Important and What Is It Used for?

FICO credit scores play an important role when it comes to borrowing money. This is because an applicant’s FICO score indicates how likely they are to make their debt payments on time. The more likely someone is to repay their loan, the less of a risk they pose to lenders.

Because of this, a high credit score is helpful if you want to get approved for a personal loan or a credit card, among other types of loans. Lenders use FICO scores and other types of credit scores to determine how much money to lend someone, how long they have to pay their loan back, and how high their interest rate should be.

What Affects Your FICO Score?

A handful of different factors affect a consumer’s FICO score. The most important among those is payment history. Someone who consistently makes on-time payments will have a higher score, which is why prompt payment is critical to accessing top credit cards and leveraging common uses for personal loans down the road.

The next most important factor affecting a FICO score is how much of available credit someone is using. Using up a lot of one’s available credit indicates to top lenders that a borrower is overextended and may not be able to afford new loan payments.

Someone’s length of credit history also plays a role, and having a longer credit history can help give someone’s FICO score a boost. Having a good credit mix made up of different types of credit — like installment loans, retail accounts, auto loans, and mortgage loans — is also taken into consideration, as is how recently someone opened new credit.

How Do I Get a FICO Score?

Getting a FICO score is easy. Consumers typically can access their FICO score through lenders, credit card issuers, credit bureaus, and select financial institutions.

Because the FICO Score is such a popular credit report, some consumers may want to know what their FICO Score is before they apply for a new form of credit, such as a type of personal loan. That way, they can get an idea of whether they may qualify and under what terms.

The Takeaway

The FICO score is simply a type of credit score that utilizes a credit scoring model from the brand FICO. Many lenders choose to use the FICO score when deciding which applicants to lend money to and what terms to offer them — including how much interest to charge them. That being said, some lenders choose to use use industry specific scores, competitor models, or their own internal models to determine who they want to lend money to.

Before applying for a personal loan, it’s important to make sure you know where your credit score stands. For those who aren’t sure what type of interest rates they may qualify for, SoFi is here to help. With SoFi, you can find what interest rates you qualify for within 60 seconds, and with no commitment required. From there, you can complete your application and receive funds as soon as the same day.

Photo credit: iStock/Lyndon Stratford

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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