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America’s coasts tend to steal the limelight from the rest of the country, with travelers setting their sights on New York and Los Angeles. But those cities can be pricey. And perhaps you’re looking for a trip not featured on every third Instagram account.

For me, Chicago checks all the boxes. Nestled against Lake Michigan, Chicago feels like a coastal city even if that isn’t technically true. Plus, you could visit every weekend for a year and not run out of things to do. Here are the must-sees and must-dos for your first visit to Chicago and beyond.

Best Times to Go to Chicago

The best time to visit Chicago is in the summer, as that is when most of the city’s biggest events happen. That includes the Chicago Air and Water Show (Aug 19-20, 2023), the Taste of Chicago (Sept 8-10, 2023; see below), and the Lollapalooza music festival (Aug 3-6, 2023; Lollapalooza.com). Visiting in summer means you’ll also be able to spend time at Chicago’s numerous beaches and catch a Cubs game at Wrigley Field or the White Sox at Guaranteed Rate Field.

Another great time to visit Chicago is in the winter. If you don’t often see snow, downtown Chicago will be especially beautiful at this time. You can shop at the Christkindlmarket or go ice skating in Millennium Park. And the Chicago Auto Show takes place every February.

Recommended: The Best Time to Book Summer Travel

Bad Times to Go to Chicago

There are no bad times to visit Chicago, but the city isn’t as lively during the cold-weather months outside the holiday season. And when the weather is cold, but not quite cold enough for snow and ice, the city will be even less appealing because ice skating may not be an option.

Generally, January and February can be relatively uneventful in Chicago, especially if the Chicago Auto Show doesn’t interest you. If that is the case, you’re better off visiting either during the holiday season or when the weather is a little warmer.

Average Cost of a Chicago Vacation

The average cost of a Chicago vacation can vary significantly depending on the length of your stay and your accommodations. But suppose you plan to stay for one week in a nice hotel and fully immerse yourself in the culture during your trip. In this case, you can expect to spend about $1,260 for a single person and about $1,684 for a couple. It can be more expensive when traveling with a family.

Remember that these are only estimates, and you may be able to stay in Chicago for less. For example, a single person traveling on a budget could take a one-week vacation to Chicago for less than $1,000. Again, it depends on where you stay and how much you spend at local attractions, bars, and restaurants.

10 Fun Must-Dos in Chicago

Chicago is known for its music scene, great food, and world-class museums, among other things. There is so much to do in Chicago that choosing just 10 attractions isn’t easy. My picks let you experience the city for what it really is — gritty but determined and altogether incredible.

If you plan to do everything on this list, consider purchasing a Chicago CityPASS (CityPass.com/chicago). While these passes aren’t cheap ($134 adults; $104 children), they include entry to several of Chicago’s most popular attractions and will save you money overall. Also consider buying a weekly or monthly pass for CTA, Chicago’s mass transit system. Renting a car is another option, although it isn’t always the cheapest.

As far as where to stay, you can’t go wrong with areas like West Loop, South Loop, and River North. Or if you want to live more like a local, consider neighborhoods like Lake View, Logan Square, and Old Town. Of course, hotels can be expensive, so you’ll want to save money on accommodations whenever possible. From these areas, you can access most of the spots on this list via the CTA system.

1. Millennium Park

Have you even visited Chicago if you don’t see Millennium Park? The park features iconic art installations such as Cloud Gate (known colloquially as “The Bean”) and the Frank Gehry-designed Jay Pritzker Pavilion, an amphitheater that hosts live music. There’s also Crown Fountain, incorporating a water fountain and oversized LED screen projecting images of faces. Other highlights include Maggie Daley Park, where you’ll find an ice skating ribbon and an outdoor rock-climbing wall. 201 E. Randolph St.

Recommended: How to Balance the Urge to Travel and the Need to Save

2. Willis Tower Skydeck

Formerly the tallest building in the world, Willis Tower stands 1,451 feet tall. Naturally, the Willis Tower Skydeck is the best way to view the city. Chances are, you’ve already seen photos of people visiting the Skydeck, with its clear-glass area simply called The Ledge. Adults $41, youth $33. TheSkydeck.com

3. Original Rainbow Cone

If you find yourself in Chicago during the searing summer months, you’ll need a way to cool down. Fortunately, Chicago has plenty of ways to do that, and one of the best is to visit the original Rainbow Cone in the Beverly neighborhood. The ice cream shop has been around for over 95 years and is famous for its original flavors: orange sherbet, pistachio, Palmer House, chocolate, and strawberry. 9233 S. Western Ave. RainbowCone.com

4. Art Institute of Chicago

Founded in 1879, the Art Institute is one of the oldest and largest art museums in the world. Featuring countless masterpieces, it has one of the best collections of Post-Impressionist paintings outside France. Look for classics like “A Sunday Afternoon on the Island of La Grande Jatte” and Picasso’s “The Old Guitarist.” The Art Institute’s permanent collection features nearly 300,000 works of art. 111 S. Michigan Ave. Adults $32, seniors and students $26, children under 14 free. Artic.edu

5. Taste of Chicago

Chicagoans know that Taste of Chicago is a unique opportunity to try the city’s many flavors all in one place. Sure, the food tends to be overpriced, but there’s no other way to experience so many Chicago dishes in so little time. (And the cost of food is a great excuse to earn credit card rewards.) Years ago, I saw a Counting Crows concert at the Taste, which is completely free to attend. Of course, events vary each year, but it’s worth the investment if you’ll be in town while the Taste is happening. Sept 8-10, 2023, in Grant Park.

6. Celebrate the Irish Spirit

People from all over the world have made Chicago their home since the start of the Industrial Revolution, but the Irish are some of Chicago’s loudest and proudest. As a result, Chicago is home to countless Irish festivals and parades. The St. Patrick’s Day parade downtown (ChicagoStPatricksdayparade.org) and the South Side Irish Parade (SouthSideIrishParade.org), also in March, are two of the best ways to experience Chicago’s Irish culture. And if you’re in Chicago for the downtown parade, be sure to check out the dyeing of the Chicago River. 2024 dates TBD.

7. Museum of Science and Industry

If you nerd out over science stuff, you can’t miss the Museum of Science and Industry (MSI). Touted as the largest science center in the western hemisphere, MSI was founded in 1893. Its marquee exhibits include the German U-505 submarine captured during World War II (admission is $18 for adults on top of museum entry fee), a full-size replica coal mine, and the command module from Apollo 8. If you buy a membership to the museum ($95 per year for individuals), you get unlimited entry at no extra cost. 5700 S. DuSable Lake Shore Dr. Adults $25.95, children 3-11 $14.95. MSIChicago.org/

Recommended: Why You Should Try Solo Travel

8. Shedd Aquarium

The Shedd Aquarium opened in 1930, and for a time its 5 million-gallon capacity was the largest in the world. It is home to 32,000 animals today, including fish, marine mammals, birds, snakes, amphibians, and insects. Some of its most popular species are penguins, sharks, sea otters, and turtles. The CityPASS program includes unlimited entries to the Shedd. 1200 S. DuSable Lake Shore Drive. Adults $40, children $30. SheddAquarium.org

9. Vito & Nick’s Pizza

If you think Chicago is all about deep-dish pizza, think again. I grew up just blocks from Vito & Nick’s, which has been featured in countless articles and TV shows over the years. Despite being a hole in the wall, the pizzeria draws people far and wide for arguably the best thin-crust pizza in Chicago. Located in Chicago’s Scottsdale neighborhood (or Ashburn, depending on who you ask), Vito & Nick’s is an escape from downtown, but it’s worth the trip. 8433 S. Pulaski Rd. VitoandNicks.com

10. Schubas Tavern

Located in the heart of the Lake View neighborhood, Schubas Tavern is housed in an old Schlitz brewery. The venue has a wide selection of drinks and food, and features an even wider range of live music, from indie to jazz. Perhaps the best part about seeing a show here is the intimate setting, which gives you an up-close-and-personal look at some great artists. 3159 N. Southport Ave. LH-St.com

The Takeaway

Chicago is a one-of-a-kind city with some of the best food, entertainment, and architecture in the world. Although it can sometimes be overshadowed by cities like London and New York, you can have an equally good time in Chicago — and likely for less money. If you’re looking for fun for the whole family, you are sure to find it here.

SoFi Travel is a new service offered exclusively to SoFi members. Earn 2x rewards when booking with your SoFi Mastercard or debit card. Then apply those rewards to your next trip when you book through our travel portal. SoFi makes planning a getaway fast, easy, and convenient — perfect for people on the move.

FAQ

What are the most popular things to do in Chicago with kids?

The most popular things to do in Chicago include trips to Millennium Park, the Shedd Aquarium, and the Skydeck at the Willis Tower.

What are the best outdoor activities in Chicago?

The best outdoor activities in Chicago include visiting Millennium Park, Navy Pier, and North Avenue Beach.

What are 5 things that Chicago is known for?

It’s tough to narrow it down to five, but we’ll go with the Magnificent Mile, Second City, Millennium Park, Chicago Riverwalk, and Skydeck Chicago.

Photo credit: iStock/tunart

**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.

Shortly after my daughter, now 14, was born, I got the best advice: “Travel with her soon, ideally when she’s 6 or 7 months. That’s old enough to be engaged but young enough to be portable.”

My wife and I soon whisked her off to Amsterdam. We strolled along canals, sipped white beers with lunch, and explored art and history museums. Contrary to what many new parents believe, it could not have been better timing.

Pros and Cons of Traveling With a Baby

The most obvious perk of traveling with a baby: You don’t need to pay for their airplane seat until they reach age two! Besides that, the upsides and downsides depend on your approach to parenting.

Generally speaking, traveling around the 6-month mark is mostly positive. Before babies start crawling, they don’t struggle to be put down or need a baby-proofed hotel room in which to roam. You can ditch the stroller and opt for a carrier as you explore, and the baby can either nap or observe the scenery.

There’s also a good chance your baby isn’t yet relying on solid food — we actually delayed kickoff by a month or two until after our travels — so there’s no need to hunt down special infant meals. If you’re breastfeeding, keep it up through your trip and you’ll barely need to pack a thing for your baby. Otherwise, just bring enough formula (yes, TSA will allow it through) and you’ll be good to go.

With infants younger than 6 months, you may face more fussiness. And depending on the conditions your little one needs to get to sleep, your schedule may have to revolve around nap times. After they’ve started to crawl or toddle, you’ll want to be more vigilant of potential hazards in your hotel, rental, or host’s home.

When planning your day, keep in mind that picky eaters can take time to satisfy. But what better way to expand your kid’s palate than in another country? Our daughter tried her first taste of pancakes in Amsterdam, while sitting in her first-ever high chair, and it remains one of our favorite early-parenting memories.

By the way, we also have good tips for new parents wondering how families afford to travel.

Pre-Trip Checklist

Before you go anywhere, you’ll want to check a few important items off your to-do list.

Collect Your Baby’s Travel Documents

When you’re traveling within the United States, your baby is good to go. Just be sure to have their birth certificate on hand and, if only one parent is present, a letter of consent from the other, to avoid any custody dramas while you’re trying to enjoy a vacation.

If you’re traveling internationally, via plane, your little one will need a passport just like every other U.S. citizen. When traveling by sea, you’ll want to bring the birth certificate and consent letter from a parent who stays at home.

To apply for your baby’s passport, be sure to start the process as early as possible by filling out form DS-11 , found on the State Department’s site. You’ll be asked for evidence of a birth certificate (and/or other options to prove citizenship, if they apply to you) and a properly formatted photo. This image will be used until your kid is 5 and needs an updated passport — a source of great amusement for them until then, guaranteed.

Recommended: How to Balance the Urge to Travel and the Need to Save

Visit the Pediatrician

Consider bringing your baby to the pediatrician about a month before your departure, and make sure they are up-to-date on routine vaccinations. Additional shots may be required depending on your destination.

Check the Centers for Disease Control and Prevention (CDC) website for other travel alerts. And be sure to pack any medications your child might need, such as baby acetaminophen in case of teething pain or fever.

(By the way, this article will tell you what to do if you or your baby get sick on vacation.)

Pack or Reserve Baby Items

Think about what you might need at your destination: bassinet, Pack ‘n Play, etc. You may be able to call to request larger items at your hotel or rental, attached to your reservation. If you plan on renting a car, make sure you reserve a car seat.

If you don’t already have a baby-wearing sling or pack that’s light and comfortable, consider investing in one. The structured Ergobaby and Tula are two excellent options. If you’re not a baby-wearing type and your baby is old enough to sit up, think about getting a lightweight folding stroller (Maclaren has a range of great options) that’s easy to carry and maneuver (and should meet all carry-on specifications). Leave your souped-up fancy version at home.

Flying With a Baby

What to Bring

The things you’ll need when traveling with a baby are not so different from what you need for a day in the park. Besides a stroller or carrier, you’ll want to make sure you’ve got enough amusements on hand to get your baby (and those around you) through the flight without much drama. I remember getting great new-parent tips from others about flying, including the advice to bring a small bag stuffed with distractions: board books, her Sophie the Giraffe teether, a light-up rattle. It was an excellent idea, even though she wound up happily playing with an empty plastic water bottle for much of our time in the air — anything that works!

If you’ve got a toddler who likes to snack, have plenty of their favorites with you (for yourself, too, as they’re not the only one who needs to be distracted from grumpiness). Other useful items to bring in your carry-on: plenty of diapers, wipes, a travel diaper pad to use in the cramped bathroom (not fun), formula, and a small cozy blanket.

Recommended: Air Fares: What You Need to Know

Dealing With Air Pressure Changes

When flying with a baby, take-off and landing are likely to be the toughest parts, due to air-pressure changes in the cabin that can plug up their little ears. Start breastfeeding or bottle-feeding a few minutes before the actual take-off or landing. The sucking and swallowing actions will help their ears keep popping. Your little one will be blissfully unaware that they’re supposed to start screaming.

At Your Destination

When traveling, think of your baby as a mini-version of you, and take all precautions (and then some) that you’d take for yourself. For summer travel in warm climates, apply mosquito repellant, use plenty of sunscreen (don’t forget to reapply!), and dress them in long-sleeved rash guards while swimming or on the beach. In new countries, avoid tap water.

Consider nap times, and where you’d like to be to help facilitate your baby falling asleep in a strange environment. Finally, be prepared to adjust your plan as you go to accommodate any fussiness and meltdowns.

Recommended: Responsible Tourism: How Travelers Can Support Local Economies

The Takeaway

Don’t stress out about traveling with your infant — enjoy it! Now, when your little one is still portable and not yet making their own demands, might be your last chance to feel free as a bird while exploring a new place. No, they won’t remember the experience, but you will. And you’ll have the pictures and stories to prove it.

SoFi Travel has teamed up with Expedia to bring even more to your one-stop finance app, helping you book reservations — for flights, hotels, car rentals, and more — all in one place. SoFi Members also have exclusive access to premium savings, with 10% or more off on select hotels. Plus, earn unlimited 3%** cash back rewards when you book with your SoFi Unlimited 2% Credit Card through SoFi Travel.

Photo credit: iStock/tatyana_tomsickova

**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.

If you are just starting out in life or your credit is less than you’d like, you may have trouble being approved for an unsecured credit card on your own. Fortunately, there are a few options that you can consider to still have access to credit. Two of those options are applying for a credit card with a cosigner and becoming an authorized user on someone else’s account.

While these two options are similar in some ways, they also come with some key differences. It’s important to understand these important differences if you’re considering either choice. That way, you can choose the option that is best for your specific financial situation.

Read on to learn:

•   What is a credit card cosigner vs. authorized user?

•   What are the pros and cons of being a credit card cosigner?

•   What are the pros and cons of being a credit card authorized user?

•   Is being a cosigner or an authorized user right for you?

What Is a Credit Card Cosigner?

If you are unable to be approved for a credit card on your own, you may be able to apply for a credit card with a cosigner. Similar to a cosigner on a mortgage or a personal loan, a cosigner guarantees they will pay any balance on the card if the primary applicant does not. However, unlike with a joint credit card, a cosigner may not receive a physical card or be able to access the account information.

Also, it is worth noting that recently many credit cards have changed policies and no longer allow you to apply with a cosigner. In other words, it may be hard to find a card that will let you pursue this path.

Pros and Cons of a Cosigner

Here are the pros of a cosigner:

•   A cosigner can be a good option if you’re unable to be approved for a card on your own. Having a cosigner with good credit may allow you to be approved and start to build credit under your own name with the big three credit bureaus.

However, as noted above, there’s a big con to this arrangement:

•   Most major banks do not allow credit card cosigners. Instead, it may be a better option to apply for a secured credit card or become an authorized user.

What Is a Credit Card Authorized User?

An authorized user on a credit card is someone who has the ability to make purchases on the account, without any obligation to make payments. This might be a spouse, child, or other trusted friend or family member. You can add an authorized user to your account, but just keep in mind that you as the primary account holder will be responsible for any purchases that they make.

Pros and Cons of Authorized User

Here’s the upside of an authorized user:

•   Adding an authorized user to your account can be a good way to earn additional credit card rewards. The reason why? You as the primary account holder will earn rewards for purchases made by any authorized users on your account.

•   It may be a way to help a trusted friend or family member improve their credit, as long as you both use the card responsibly.

Now, for the downside:

•   The biggest con to adding an authorized user to your credit card account is that you are legally responsible for any charges that they make. So if they spend way more than you were expecting, it could put you in an awkward personal and financial situation and possibly damage the relationship.

•   There is also usually a minimum age to be an authorized user, which is something else to keep in mind. If you’re trying to add a child or teen, you may have issues, depending on the card issuer’s policies.

Recommended: How to Get a Credit Card for the First Time

What Is the Difference Between a Cosigner and an Authorized User of a Credit Card?

Here’s a quick look at some of the differences between a credit card cosigner and a credit card authorized user.

Do Cosigners and Authorized Users Have Anything in Common?

There are some important differences between being an authorized user and getting a cosigner to apply for a credit card, as mentioned above. However, there is one major thing they have in common. Both of these are strategies for people whose credit may not allow them to be approved for a credit card on their own.

A joint credit card or a secured credit card are two other similar strategies.

Is a Cosigner or Authorized User Right for You?

Because very few major banks allow credit card cosigners, it’s likely that is not going to be an option for most people. Instead, becoming an authorized user may be a better strategy if you’re looking to improve your credit. If you become an authorized user on the account of someone who already has good credit and continues to use the card responsibly, it may help build your credit.

Recommended: Guide to Choosing a Credit Card

The Takeaway

Becoming an authorized user on someone else’s credit card account and getting a credit card cosigner are both strategies intended to help improve your credit. Because very few major banks currently allow credit card cosigners, becoming an authorized user may be a better strategy. When you become an authorized user on the account of someone who is using their card responsibly, it may help build and improve your credit score as well.

If you’re in the market for a new credit card, you might look at a rewards credit card like the SoFi Credit Card. With the SoFi Credit Card, you can earn cash back rewards, which you can then use for travel or to invest, save, or pay down eligible SoFi debt. You can also add an authorized user to your SoFi credit card as a possible way to earn additional rewards.

FAQ

Does adding someone as an authorized user help their credit score?

It is possible that adding someone as an authorized user can help their credit score. Even though authorized users are not legally responsible for the purchases or debt on the account, the account is reported to the major credit bureaus and will appear on their credit report. So as long as the account is used responsibly, it can help both people’s credit score.

Is it better to be an authorized user on someone’s card or to have your own credit card?

If you’re just starting out or having trouble qualifying for a credit card in your own name, it can make sense to become an authorized user on someone else’s credit card account. When used responsibly, it can help improve your credit and possibly put you in a position where you can be approved for your own card. Once that happens, you may prefer to have your own credit card.

Do cosigned credit cards build credit?

When you apply for a credit card with a cosigner, you are responsible for making payments to the account as the primary cardholder. This means that generally your payment history and account balances will be reported to the major credit bureaus and used in determining your credit score. If you use your card responsibly, it can help build your credit.

Photo credit: iStock/PeopleImages

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


Disclaimer: Many factors affect your credit scores and the interest rates you may receive. SoFi is not a Credit Repair Organization as defined under federal or state law, including the Credit Repair Organizations Act. SoFi does not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history, or credit rating. For details, see the FTC’s website .

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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Known as the Queen City, Charlotte is North Carolina’s largest. In professional circles it’s known as one of the biggest banking centers in the U.S. But that doesn’t mean you’ll find a stiff company town with nothing fun to do.

In fact, some of the best things to do in Charlotte center on sports, a bustling nightlife, and tons of outdoor activities for all levels of adventure.

Best Times to Go to Charlotte

For milder temperatures and smaller crowds, consider visiting Charlotte in the spring, from March through May, or in the fall months, from September through November. Going when schools are back in session will ensure that you enjoy the best things to do in Charlotte without feeling overcrowded. Plus, these months tend to have milder weather.

Spring and fall are also packed with festivals and other popular events. Check out Festival in the Park in September, which has been a Charlotte tradition since 1964. And in the fall, the sky is filled with hot air balloons in Balloon Fest, held in nearby Statesville.

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Bad Times to Go to Charlotte

Charlotte is known for hot summer temperatures, which peak in July, with average highs around 91 degrees. You can also expect more rain in the summer. July has the most rainy days out of the year, averaging 13 days per month. So if you want to stay dry, it may be worth avoiding Charlotte during the summer.

Winters are chilly, averaging in the 40s on most days (although it does sometimes get below freezing). January also tends to be overcast about half of the days each month.

Average Cost of a Charlotte Vacation

How much can you expect to spend during an fun-filled getaway in Charlotte? BudgetYourTrip.com, a crowdsourced travel site, estimates daily food costs to be $37, plus another $27 for getting around. The average nightly hotel price is $189 in Charlotte, although you can always explore ways to save on hotels if you want to spend less. Here’s the breakdown for a weeklong vacation for solo travelers and couples:

One Person:

•   $259 meals

•   $189 transportation

•   $1,323 lodging

•   $1,771 Total

Couple:

•   $518 meals

•   $378 transportation

•   $1,323 lodging

•   $2,219 Total

10 Fun Must-Dos in Charlotte

Ready to dive into the best things to do in Charlotte, North Carolina? We found a mix of attractions and events for solo travelers, couples, and families looking for affordable travel.

1. NASCAR Hall of Fame

The NASCAR Hall of Fame is one of Charlotte’s biggest attractions. It contains over 50 interactive exhibits to explore. You can even indulge your NASCAR racing dreams by participating in a Pit Crew Challenge or getting behind the wheel in an iRacing simulator. Pick your favorite track from around the country.

Avoid the Hall of Fame on a Tuesday when the building is reserved for group visits. With a convenient downtown location, it’s easy to get to. 400 E. MLK. Jr. Blvd. Adults $27, children $20. NascarHall.com

Recommended: Responsible Tourism: How Travelers Can Support Local Economies

2. Mint Museum

Can’t visit a city without checking out an art museum? The Mint Museum will double your pleasure. Not to be confused with the U.S. Mint, which produces American coins, this Mint is a cultural center and museum of international art and design. The original Randolph location in Downtown houses art exhibits from Europe, Ancient Americas, and Africa, plus ceramics and decorative arts. At the Uptown museum, you’ll find American art, contemporary pieces, craft, and design work. Tickets are good for two days at both locations. Closed Mondays. Adults $15, children free. MintMuseum.org.

3. Carowinds Amusement Park

You can’t have a list of fun things to do in Charlotte without including Carowinds. Located 20 minutes south of downtown, this amusement park is ideal for thrill seekers of all ages. There are 60+ rides spread across the park, with a mix of adrenaline-pumping roller coasters and milder, family-friendly options.

Kids can say hi to Charlie Brown and the rest of the Peanuts crew at character meet-and-greets. And the whole family can sit back and relax at music shows all year long. If you need to cool off, Carolina Harbor Waterpark is included in the daily ticket price. Daily tickets from $45. Carowinds.com

4. Pro Sports Games

Charlotte is home to professional football, basketball, and soccer teams, making it a popular vacation spot for sports fans. The Carolina Panthers play at the Bank of America stadium in uptown Charlotte, with regular season games running from September to January (Panthers.com).

In the offseason, you can now catch a different type of football at the same stadium. Charlotte FC (CharlotteFootballClub.com) is a professional soccer team that arrived in the city in 2022.

You can also catch a Charlotte Hornets game during the NBA’s regular season, which lasts from October through April (NBA.com/hornets). Other sports include the PGA’s Wells Fargo Championship in May (WellsFargoChampionship.com) and the Charlotte Checkers hockey team (CharlotteCheckers.com).

5. US National Whitewater Center

The Whitewater Center on the Catawba River is a must for adventurers of all ages. The nonprofit outdoor recreation park offers 1,300 acres of whitewater rafting and kayaking, climbing, ropes courses, ziplines, mountain biking, jumps, and more. The Center’s mission “is rooted in the belief that all human beings share a genetic code that compels us to play outside.”

There’s even a solo climbing course that lets you free-climb walls up to 45-feet high and then fall into deep water below. Choose a single activity (from $27 for climbing to $55 for rafting) or all-access pass (adults $75, youths $65). Whitewater.org

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6. Freedom Park

Looking for free things to do in Charlotte? Head over to Freedom Park, which is a few miles north of downtown in a residential area. Its 96 acres are full of wooded trails, playgrounds, and sports fields. Plus, you’ll find plenty of space to walk your doodle or puggle if you’re traveling with pets.

Freedom Park also hosts the annual Festival in the Park each September (FestivalinthePark.org). The three-day event features live performances, art exhibits, concessions, and a family fun zone. It’s definitely worth adding to your list if you’re traveling to Charlotte for some late summer travel.

7. The Market at 7th Street

Channel your inner foodie by exploring the culinary delights at The Market at 7th Street. This indoor food hall is located in uptown Charlotte. Inside you’ll find multiple vendors offering an array of options to eat on the spot or take with you.

Try Asian fusion, pizza, liege waffles, gourmet street food, and more. There are also specialty shops with smoothies, popcorn, wine, and cheese. While the market itself is open daily, individual vendors may have different operating hours, so check to see what’s open before you head over. TheMarketat7thStreet.com/

8. Charlotte Wine Country

North Carolina as a state has over 500 vineyards, and the Charlotte area plays a prominent role in this growing wine scene. You will need a rental car or shuttle service to reach many of the vineyards, since most are located a one- to two-hour drive from the city.

With award-winning wines to enjoy, it’s worth the drive time. Or you can avoid having to drive home, and opt for a wine tour (WineMeDown.com and others). Local experts will craft an itinerary on your behalf, arrange transportation, and even bring you food to nibble on between wineries.

9. AvidXchange Music Factory

Get a taste of Charlotte’s nightlife at the AvidXchange Music Factory. This downtown entertainment complex is a hub for live performances at multiple venues. The Fillmore is housed in an old textile mill, with the feel of the original San Francisco venue of the same name. A huge outdoor amphitheater offers a lovely view of the Charlotte skyline. And the Underground is your ticket to a more intimate concert experience.

When you’ve had your fill of live music, take in some laughs at the Comedy Zone, the only full-time comedy club in Charlotte. And check out the Bazal Gallery Nightclub for late-night dancing. AvidXchangemusicfactory.com

10. Little Sugar Creek Greenway

We’ll round out this list with one more free thing to do in Charlotte. The Little Sugar Creek Greenway is an ideal spot to walk, run, or bike down a linear trail in the heart of the city. There are actually several connecting segments of this trail — some of them paved — giving you the opportunity to tailor the length of your workout or stroll.

Thanks to Mecklenburg County’s restoration efforts, this narrow strip of land is now an ever-expanding rec area and wildlife habitat that will eventually stretch all the way to the South Carolina state line. You’ll feel immersed in nature despite going straight through downtown Charlotte. 1133 Metropolitan Ave.

The Takeaway

Charlotte is known for many things, from a sports haven to a nature lover’s paradise. Whether you’re looking for a budget-friendly family trip or an action-packed weekend getaway with friends, there are countless fun things to do in Charlotte at any price point.

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

What is Charlotte, North Carolina, popular for?

There are quite a few things Charlotte is known for, particularly in the sports world. The city houses the NFL’s Carolina Panthers and the NBA’s Charlotte Hornets. You’ll also find the NASCAR Hall of Fame.

Is Charlotte a walkable city?

Charlotte is not considered a walkable city. Of course, it depends on where you’re staying and where you plan to go, but overall the city ranks low for walkability scores.

What is the best month to visit Charlotte, NC?

Soak in Charlotte’s outdoor atmosphere in the early fall months. September is considered to be one of the best months to visit because temperatures turn mild after the heat of summer, and both cultural and sports events are flourishing.

Photo credit: iStock/Kruck20

**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.

A jumbo loan is a mortgage that is larger than the loan-servicing limits set by the Federal Housing Finance Agency (FHFA). If you know you need a large loan to cover a higher home mortgage loan, you might be wondering how to qualify for a jumbo loan.

Jumbo loan qualifications are more stringent than conforming conventional loans. Because a jumbo loan is a nonconforming loan, banks take on more risk as they are not able to sell the loan to government-sponsored enterprises Fannie Mae and Freddie Mac. Since the loans are not guaranteed by the government, lenders are more cautious about the type of borrowers they do business with.

What this means for your money: You need conditions to be pretty optimal to qualify for a jumbo loan. But it can be done. Learn more here, including:

•   How to qualify for a jumbo loan

•   What factors lenders consider for jumbo loans

•   The jumbo loan qualification process

•   How to decide if a jumbo loan is right for you

Jumbo Mortgage Requirements

The current limits for jumbo loans are defined as exceeding $726,200 for single-family homes, except in Alaska, Hawaii, and some federally designated markets that are considered high-cost. In those areas, the limit that’s exceeded is $1,089,300 since these locations tend to have pricier housing markets.

Jumbo mortgage requirements are similar to conventional conforming loan requirements, but there are some key differences that make them harder to qualify for.

A High Credit Score

Experts recommend a credit score of 700 or above for jumbo loan borrowers. A higher credit score when buying a house is indicative of a borrower’s behavior with credit and how likely they are to repay the loan. A higher credit score is needed for the higher loan amounts of a jumbo loan. That lofty score can help the lender feel more secure that you’ll pay back the amount you borrow.

Cash Reserves

A cash reserve is how much liquid money you have at your disposal. What counts as liquid money can vary from lender to lender. For example, some will allow a percentage of vested 401(k) funds to count toward the reserve requirement. Others do not.

Because jumbo loans are so large, lenders look for cash reserves in your account to guard against default. For the best jumbo loan terms, lenders can require as much as 12 months of reserves.

A Low Debt-to-Income Ratio

A debt-to-income ratio is the amount of income you make relative to the amount of debt obligations you have. If you have what is considered too much debt, the lender will not offer a loan to you. With jumbo loans, a healthy DTI ratio is essential to qualify for the mortgage. A DTI ratio below 43% is recommended or possibly a lower figure.

What Does the Jumbo Qualification Process Include?

When you’re looking at jumbo loan requirements and the qualification process, there are some things you should keep in mind. Here, what’s needed to get a mortgage:

Documents Required for Jumbo Loan

When you apply for a jumbo loan, the lender will look to verify the information you provided. Some documents you may be required to provide include:

•   Two years of tax returns

•   Profit & Loss (P&L) statement if you’re a business owner

•   Pay stubs

•   Bank statements

•   Documentation for other income

Loan-to-Value Ratio Evaluation

In addition to your application, the jumbo loan will require an appraisal of your property to ensure they’re not lending too much on the home (that is, more than it’s worth). This appraisal will ensure the home’s price is not too high and determine that the loan-to-value ratio (LTV) is within its guidelines.

Evaluating How Jumbo Down Payments Will Impact You

How much you put down on the home of your dreams will impact what loan you qualify for. If you’re able to put down enough, you may be able to forgo the jumbo loan requirements and get into a conforming conventional loan.

Is a Jumbo Mortgage Right for You? Questions To Ask

When it comes to making a decision on a jumbo loan, it’s helpful to ask yourself some questions that can help determine if a jumbo loan will work for you.

Do I Have Good Credit?

Ask yourself if your credit is strong enough to qualify for a jumbo loan. These mortgages do come with higher loan amounts and higher payments, and a good credit score range (over 700 typically) can help you get the best terms possible to qualify for a jumbo loan.

Do I Have a Low DTI and High Cash Reserves?

It’s important to have a low debt-to-income ratio and ample reserves to qualify for a jumbo mortgage, as discussed above. While some lenders may go up to as high as a 43% DTI, others will want to see a lower number.

Can I Prove I’m in Good Financial Health?

Qualifying for a jumbo mortgage goes beyond the numbers. Can you demonstrate to the lender that you’re able to continue making payments? Do you have a consistent job history? Are all the other financial factors in your life lined up so you can afford the mortgage?

Is the Property Value High Enough for a Jumbo Loan?

The jumbo loan value minimum (and conforming loan limits) is $726,200 for most areas in the U.S. If your mortgage is below this amount, you’ll want to look at financing with a conforming conventional loan instead. In high-cost areas, the home would have to hold a value of more than $1,089,300.

Do I Have Enough Money Saved?

A down payment on a property that merits a jumbo loan will often be a significant amount of cash. And while some closing costs are a flat fee that won’t go up, many are labor-intensive or percentage-based (3% to 6% of the loan amount), so your jumbo loan closing costs are larger than for a conventional, conforming loan.

Recommended: 18 Mortgage Questions for Your Lender

The Takeaway

If you are in the market for a high-value home, a jumbo mortgage can help you make it your own. However, you will need to meet the loan requirements, which may be somewhat more demanding than those for a conforming loan. By focusing on optimizing your credentials and financial profile, you can work to secure the mortgage that makes your home-ownership dreams come true.

When you’re ready to take the next step, consider what SoFi home loans have to offer. Jumbo loans are offered with competitive interest rates, with no PMI, and down payments as low as 10%.

FAQ

Is it harder to qualify for a jumbo loan?

Yes, jumbo loans are harder to qualify for. You will need a larger down payment than you would with a conforming loan, a higher credit score, a low debt-to-income ratio, more cash reserves, and a tighter loan-to-value ratio.

What credit score do you need for a jumbo loan?

For a jumbo loan, you may want to aim for a credit score above 700.

Do jumbo loans require a 20% down payment?

It is possible to obtain a jumbo loan with a down payment as low as 10% or possibly even lower.

Photo credit: iStock/lovenimo

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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.

Disclaimer: Many factors affect your credit scores and the interest rates you may receive. SoFi is not a Credit Repair Organization as defined under federal or state law, including the Credit Repair Organizations Act. SoFi does not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history, or credit rating. For details, see the FTC’s website .

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