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Dogs are such an integral part of many families that we humans hate to go on vacation without them. Today, 45% of American households include a canine, and the dog population is inching ever closer to 90 million.

There are many places you can take your good boy on your travels, but it requires research and preparation to pull off a successful dog-friendly vacation. Here, we present valuable tips and inspiration, including:

•   Best dog-friendly vacation spots

•   Dog-friendly road trip ideas

•   Apps for pet-friendly vacations

•   What to bring on a dog-friendly vacation

Guidelines for Traveling with Your Dog

Before traveling with your pet, you should research the rules for any form of transportation that you may be taking: planes, trains, buses, rental cars, and boats. You should also look into which hotels and attractions allow dogs.

Dogs on a Plane

Each airline has its own policy regarding bringing your dog on the plane, such as:

•   Many airlines allow dogs only under a certain size. Some allow you to bring your dog into the cabin and put them in a carrier under the seat in front of you, while others may want you to have your dog in the cargo compartment. Alaska, Southwest, and Frontier are regarded as some of the most pet-friendly airlines, but others allow pets as well.

•   Many airlines charge fees for traveling with your pet. For dogs traveling in-cabin, the fee can typically range from about $50 to $250 for a one-way trip. If your dog is flying in a pressurized, temperature-controlled cargo compartment in a carrier, the cost is usually based on the size and weight of your dog plus their crate. If you are flying within the U.S., this can cost up to several hundred dollars for a 75-pound dog. Keep this in mind because it can mean you need to plunk more cash into where you keep your travel fund.

•   Some airlines do not allow dogs at all, even if you have elite status in their frequent flier program or have one of their airline credit cards. You should always check with your airline before bringing your pet.

Trains and Buses

Rules regarding bringing pets on trains or buses will vary. Amtrak allows dogs and cats up to 20 pounds (combined weight of pet and carrier) on train rides that are up to seven hours. Dogs are allowed only on select routes, and the pet fees vary by route.

Car Safety

When traveling by car with your dog, make sure that they are safe inside your vehicle. If you can, get a car seat or buckle attachment for your dog. If you are renting a car on your trip, it’s wise to bring a buckle attachment with you.

Boats and Cruises

Most cruises do not allow dogs, except for service dogs. The only cruise line with dedicated pet facilities is the Cunard Line. They allow dogs on their ship Queen Mary 2, which has 24 kennels, space for the dogs to play, and a dedicated owner’s lounge on board.

Hotels

Some hotel brands are known to be more pet-friendly than others. When a hotel says that it is “pet-friendly,” it likely means that they allow pets in the rooms. Some points to consider:

•   Some hotels will charge a pet fee, require a pet deposit, or allow pets only under a certain size.

•   Pet-friendly hotels include IHG (Kimpton), Marriott, Hilton, Hyatt, Wyndham, and Best Western. However, pet policies will vary based on property. There are also pet-friendly boutique hotels.

•   To find lodging that welcomes your doggo with open arms, you can search sites like TripAdvisor or apps like Bring Fido and BarkHappy.

•   Some hotels go above and beyond in allowing pets and providing extra amenities like dog treats or toys upon check-in.

•   If you are wondering how to save money on hotels with a pet, some more affordable forms of lodging also allow pets, and some don’t even charge a pet fee. At Red Roof Inn, pets under a certain weight limit can stay for free. Motel 6 also allows pets, and doesn’t charge a fee for well-behaved pets.

•   Some state and local municipalities have different rules about pets in hotels, which may override the hotel’s policies. Be sure to check with the specific hotel before bringing your pet with you.

Sights

When planning out what you want to do on vacation with your dog, be sure to research which attractions allow dogs. You should be able to find out this information on the destination’s website or by calling them directly. Many attractions may allow service dogs only.

A bit of research can help save you time and spare you disappointment. You are more likely to find dog-friendly attractions that are outdoors, though not all outdoor attractions allow dogs. There are plenty of dog-free parks, for instance, so take a few minutes to search for information as you look for the best dog-friendly travel spots.

Recommended: How Does Credit Card Travel Insurance Work?

What to Bring

When packing for your vacation with your dog, you should think about what your dog needs on a daily basis at home. This could include things like:

•   Food

•   Food and water dishes

•   Any medications

•   Toys and any comfort objects

•   Clothes (if your pooch wears them)

•   Treats

•   Poop bags

•   A bed or crate

Bring plenty of food and dog-waste bags in case your dog goes through more than normal due to the stress of traveling.

Dog-Friendly Places to Go

There are an endless array of places you can go for a dog-friendly vacay. Some of the best dog-friendly spots include:

•   Cities. Some are more dog-friendly than others. Look for cities with lots of outdoor spaces. Some ideas for dog-friendly places to go include Austin, TX; Albuquerque, NM; Asheville, NC; Seattle (you can visit the Voff Barn and Brew, a dog-friendly bar), and Huntington Beach, CA.

•   Beaches. If you are planning summer travel and have a pup that loves sand and surf, a getaway by the shore can be heavenly, combining beautiful scenery and staying active.

•   Natural Paradises. If you and your furbaby like to hike, check out locations like Lake Placid, NY, or Sedona, AZ, where you can spend time exploring together. You might also go on a dog-friendly road trip (whether you are traveling solo or with friends and family) and stay at a couple of pet-friendly campsites with your dog.

•   Resorts. If you want to relax, a dog-friendly resort could be just the thing. Some locations specialize in welcoming pets and offering amenities that will have you and your doggo feeling totally pampered. At Inn by the Sea in Cape Elizabeth, ME, there’s dog-friendly dining and all kinds of treats for you and your pooch (like at turndown time) at no extra fee. Dog-sitting and dog-walking services are also available if you need some just-me time. (If you pick a resort that does charge a fee, you might check if you have credit card cash back on your credit card rewards to help cover the extra expense.)

Helpful Apps

There are several apps that can be useful if you are taking a trip with your dog.

•   Bring Fido. Find a pet-friendly hotel, dog park, beach, or other attraction while on vacation, anywhere in the world.

•   BarkHappy. Find dog-friendly restaurants, hotels, parks, and other attractions based on your current location. You can even find events and other nearby dogs for your boy to socialize with.

•   Pet First Aid. Get information in case of an emergency medical situation with your pet, as well as first aid, health issues, and dog CPR. You can also store your pet’s health info (like when they got their shots) in the app so you have it handy.

•   Rover. If you need a pet sitter or dog walker while you are on a trip with your pet, Rover may be helpful. You can find a sitter or walker that has been through a background check from Rover. You can then pay the pet sitter or dog walker directly through the app. You’ll get photo updates while you are away from your dog.

Recommended: Where to Find Book Now, Pay Later Travel

How to Prepare Your Dog for Travel

Before traveling with your dog, you should make sure you get him prepared and acclimated:

•   If your pet will be traveling with some kind of restraint in a car or in a crate/carrier on a plane, take time to expose them to it and get them comfortable with it.

•   Make sure your dog has up-to-date tags or that your microchip info is current.

•   Always keep a pet travel bag nearby with essentials (food, water, any meds, poo bags).

•   Consider having a vet check prior to travel, especially if flights are involved and/or your dog has a medical condition.

The Takeaway

Traveling with your dog can be a fun bonding experience for both of you. Be sure to research transportation and hotel policies ahead of time so you know where your dog is allowed. Whether you go to a city, get back to nature, or visit a resort, spending time with your pet can make a good getaway even better.

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.

SoFi Travel can take you farther.

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Photo credit: iStock/AleksandarNakic

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.

Eligibility: You must be a SoFi registered user.
You must agree to SoFi’s privacy consent agreement.
You must book the travel on SoFi’s Travel Portal reached directly through a link on the SoFi website or mobile application. Travel booked directly on Expedia's website or app, or any other site operated or powered by Expedia is not eligible.
You must pay using your SoFi Credit Card.

SoFi Member Rewards: All terms applicable to the use of SoFi Member Rewards apply. To learn more please see: https://www.sofi.com/rewards/ and Terms applicable to Member Rewards.

Additional Terms: Changes to your bookings will affect the Rewards balance for the purchase. Any canceled bookings or fraud will cause Rewards to be rescinded. Rewards can be delayed by up to 7 business days after a transaction posts on Members’ SoFi Credit Card ledger. SoFi reserves the right to withhold Rewards points for suspected fraud, misuse, or suspicious activities.
©2024 SoFi Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender. NMLS #696891 (Member FDIC), (www.nmlsconsumeraccess.org).

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.



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

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Waiting around an airport isn’t most people’s idea of fun. But perhaps you’ve noticed the swanky entrances to hidden airport lounges, or heard about them from a friend.

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

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

How Do Airport Lounges Work?

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

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

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

There are a few main types of lounges:

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

•   Another type of airport lounge is the contract lounge. These are third-party facilities that are open to those who have membership with an affiliated network. These lounges are also used for business and first class passengers of airlines that don’t have their own branded lounge. In the U.S., the most common lounge network is Priority Pass Select, which offers members access to over 1,300 lounges around the world. There are numerous travel rewards credit cards that offer a Priority Pass Select membership.

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

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

How to Access Airport Lounges for Free

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

Open a Premium Travel Rewards Credit Card

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

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

•   The Chase Sapphire Reserve offers a Priority Pass Select membership.

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

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

Recommended: How Does Credit Card Travel Insurance Work?

Trade in Miles or Use Credits

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

Fly in Business Class or International First Class

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

Befriend a Business or First Class Passenger

One of the great things about flying in international business or first class is that you will often receive a lounge pass that includes guest access. So if you are flying in economy class but have a friend or colleague with a business class ticket, he or she may be able to “guest” you into the lounge. Likewise, many Priority Pass Select memberships come with access for two guests. If you have a friend or family member with lounge access, you could possibly enter as a guest.

Claim Free Access for Active Military

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

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

Access Airport Lounges for a Fee

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

Buying an Airport Lounge Pass

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

Buy a Day Pass

Many lounges (but not all) offer day passes that can cost $50 per person or more. The Lounge Buddy app also sells discounted access to certain airport lounges. Depending on your situation — how much time you have to fill before your flight, whether you’re hungry or thirsty, whether you need a quiet place to work — this might be a good buy.

Upgrade Your Ticket

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

The Takeaway

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

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

FAQ

Is it worth it to pay for airport lounge access?

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

Which airport lounges are the best?

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

Which credit card is best for airport lounge access?

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

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Photo credit: iStock/andresr

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

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

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You have likely heard the term “all-inclusive resort” when researching vacation ideas and know that some of the most popular ones are located in the Caribbean. And for good reason: Stunning turquoise water, miles of sandy beaches, brilliant sunshine, and loads of fresh-caught fish are big draws.

But are all-inclusives all they’re cracked up to be? Some people prefer a more authentic experience when traveling, and more upscale cuisine. Pools, parties, and group activities can be fun in moderation, but sometimes you just want peace and quiet.

Here, you’ll learn more about staying at an all-inclusive Caribbean resort, including such factors as:

•   What do all-inclusive resorts actually include?

•   How much do all-inclusive resorts cost?

•   What are the pros and cons of all-inclusive Caribbean resorts?

What Do All-Inclusive Resorts Include?

What all-inclusive resorts include varies by property, but they generally include:

•   The price of the hotel room

•   All food, snacks, and beverages

•   Most likely alcoholic beverages, though they may include only certain brands of alcohol

•   Possibly room-service meals

•   Entertainment, activities (including water sports like kayaking), and kids’ camp, depending on the resort

•   Taxes and tips

•   Possibly airport transfers

All-inclusive resorts usually don’t include the cost of excursions, but some may have activities included for free. They don’t include extras like renting a car for a day trip.

How Much Do All-Inclusive Resorts Cost?

You pay for an all-inclusive vacation upfront based on the number of nights you’re staying and the number of people in your party. Prices usually start at about $200 a night per person, with some properties costing much more, especially during peak time like winter (in the hot Caribbean, summer travel is considered off-season).

You may want to bring extra cash to tip staff, like bartenders, waiters, and housekeeping. Even if gratuities are included in the price of your stay, there may be times that you want to thank a staff member for helping you out.

Types of All-Inclusive Resorts

There are many different types of all-inclusive resorts. There are all-inclusive resorts that are meant for singles, couples, couples on their honeymoon, adults-only, families, and groups. There are even some pet-friendly all-inclusive resorts, if you like traveling with pets.

Some of the brands you may hear mentioned are Beaches, Breezes, Riu Palace, and Sandals, among others. The best all-inclusive Caribbean resorts for you will depend on the location you’re seeking, the kind of accommodations, and amenities that suit you, and of course the price tag.

Pros of All-Inclusive Caribbean Resorts

All-inclusive Caribbean resorts definitely have their advantages. Here are a few of the upsides:

Good Value

If you typically spend a lot on food and beverages on vacations, an all-inclusive resort can actually provide good value. Drinks in particular can add up quickly. So if you like to indulge in big meals and lots of cocktails while on vacay, you can really “get your money’s worth” (though it may not be the best for your health).

Live the Caribbean Dream

If you have always dreamed of relaxing on a beach in the Caribbean, an all-inclusive Caribbean resort can be an easy way to achieve that dream. All-inclusive Caribbean resorts are engineered to please tourists’ every whim, so they likely have almost anything you want on your vacation.

Low Stress

All-inclusive vacations can be appealing to those who want a relaxing vacation without having to do much planning. You don’t have to search out restaurants, beaches, or activities; everything is ready and waiting for you.

24-Hour Service

At an all-inclusive resort, you usually have staff on call 24/7 to assist you. Plenty of staff members are available to bring you a drink or room service, answer any questions, and help with special requests.

Cost Is Predetermined

When you book an all-inclusive vacation, you typically have to pay ahead of time. You will know exactly how much your vacation will cost you, unlike a typical vacation, where you may not know the cost of food, drinks, attractions, and more until your credit card bill arrives. Plus, since you have already paid for the vacation, it may make you more relaxed on the actual vacation, since you don’t have to worry about how much you’re spending.

Recommended: Where to Find Book Now, Pay Later Vacations

Cons of All-Inclusive Caribbean Resorts

All-inclusive Caribbean resorts may not be the best option for everyone. Some of the cons to consider before booking include the following:

Inauthentic Version of Local Culture

When you stay at an all-inclusive resort, you may rarely or never leave the resort. Because of this, you won’t experience the true local culture or cuisine of wherever you’re staying. Appreciating other cultures is a major component of travel for many people, which is why they may dislike all-inclusive resorts.

Food Can Be Mediocre

The food at all-inclusive resorts can vary. Some guests may find it to be mediocre, depending on the particular property. Since these resorts have to feed a lot of people (who are not paying extra for food), the food options may be cheaper, blander, and less distinctive than you would find at a local restaurant. You also may not get to experience a variety of options, since you have the same restaurants to choose from every day.

Potential Crowds

All-inclusive Caribbean resorts can get crowded. You may have trouble finding a chair by the pool or beach. Activities could be at capacity. If you go to the restaurants during the popular mealtimes, you may have to wait for a table or have slower service. (One hack for that: Consider booking dinner reservations ahead of time.)

You Can’t Cut Costs

All-inclusive resorts are like a package: You pay one price for everything. With other types of vacations, you can cut costs by eating at less expensive restaurants, cooking meals, or picnicking. You might also opt for less pricey lodging (if you know how to save money on hotels) or skip renting a car and use public transportation instead.

These are some examples of how families afford to travel. However, with an all-inclusive vacation, you have to pay the price they quote you.

Tips for Staying at an All-Inclusive Resort

If you do plan to stay at an all-inclusive Caribbean resort, here are some tips to make your vacation as enjoyable and affordable as possible:

•   When booking an all-inclusive resort, the dates will have an impact on the nightly rate. If you’re able to, travel during the off-season, like fall or spring, to save money.

•   Some all-inclusive resorts are bookable using credit card rewards. If you have a travel credit card that lets you transfer points to hotel chains with all-inclusive resorts, this could be a way to save money and use points instead.

•   Before booking a vacation, including an all-inclusive resort, you may want to consider travel insurance to protect your investment in your vacation in case something goes wrong. If you have a travel credit card, make sure you understand how credit card travel insurance works. That could be a way to get coverage.

Recommended: How to Choose Between Credit Card Miles vs. Cash Back

The Takeaway

All-inclusive Caribbean resorts have their pros and cons. Some people love them: These destinations can be relaxing and low-stress and provide good value. Others may find them crowded, with mediocre food, and they don’t allow you to cut costs. Weighing the upsides vs. the downsides should allow you to decide if an all-inclusive resort is the right way for you to make your Caribbean dream come true.

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.

SoFi Travel can take you farther.

---

Photo credit: iStock/dstephens

**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.

Eligibility: You must be a SoFi registered user.
You must agree to SoFi’s privacy consent agreement.
You must book the travel on SoFi’s Travel Portal reached directly through a link on the SoFi website or mobile application. Travel booked directly on Expedia's website or app, or any other site operated or powered by Expedia is not eligible.
You must pay using your SoFi Credit Card.

SoFi Member Rewards: All terms applicable to the use of SoFi Member Rewards apply. To learn more please see: https://www.sofi.com/rewards/ and Terms applicable to Member Rewards.

Additional Terms: Changes to your bookings will affect the Rewards balance for the purchase. Any canceled bookings or fraud will cause Rewards to be rescinded. Rewards can be delayed by up to 7 business days after a transaction posts on Members’ SoFi Credit Card ledger. SoFi reserves the right to withhold Rewards points for suspected fraud, misuse, or suspicious activities.
©2024 SoFi Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender. NMLS #696891 (Member FDIC), (www.nmlsconsumeraccess.org).

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.


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

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Sometimes, travel involves more paperwork than just your passport and boarding pass. Travel visas are documents that grant you the privilege to travel to a given country. Depending on where you’re coming from, where you’re headed, and why, you may or may not need a visa to get there — but it’s important to find out whether you do as part of your travel planning.

If you need a visa, you’ll have to apply for one with the country you’re planning to visit. What’s more, the application will likely come with a fee.

To help you figure out the wide world of visa requirements, read on, and learn:

•   What the different types of travel visas are

•   Which travel destinations require a visa

•   How to get a visa

•   How long it takes to get a visa

Types of Travel Visas

While there are dozens of visas available for different purposes, they can be broken down into four categories: tourist, immigrant, student, and work.

•   Tourist visas are for travelers visiting a country for a short time. This is most likely what you’re looking for if you’re planning a vacation. Some countries don’t require United States citizens to apply for this type of visa ahead of time, but there may still be restrictions that apply to your travel.

For example, as long as you have a valid U.S. Passport, you can travel to most parts of Europe without applying for a visa beforehand. But you can only stay within the borders of the Schengen Zone for 90 out of 180 consecutive days. The passport stamp you receive on arrival is your visa. (The Schengen Zone encompasses most of the EU countries, some Scandinavian ones, and a few others.)

•   Immigrant visas are for people who are hoping to establish permanent residence in their destination country. Applying for this type of visa can be a lengthy, multi-step process, and getting a visa doesn’t guarantee you’ll be granted citizenship. Still, it’s an important first step toward emigrating to a different country.

•   Student visas are for those studying in a foreign country. To apply for one, you’ll need to prove that you’re enrolled in a legitimate, qualified school in the destination country.

•   Work visas allow their holders to accept employment in a country outside of their citizenship. These visas are usually temporary but can be renewed if the employment continues.

Many visas can be applied for online; these are known as e-visas. Increasingly, many countries are moving toward online visa applications. Exceptions are made for those who can’t apply online due to a disability or other extenuating circumstance.

Recommended: Guide to Saving Money on Hotels

How to Apply for a Travel Visa

If you are planning a trip and realize you need a travel visa, here’s how to spring into action. You’ll want to apply for it with your destination country’s government travel agency. During the application process, you’ll be asked to provide basic identifying information and, if applying online, you may be asked to upload a photo of your passport. The U.S. Department of State is a great resource for up-to-date information on which countries require a visa and how to apply for them.

Seems simple, right? It is, but with a couple important caveats when contemplating how to get a visa.

•   Having a valid passport isn’t always enough to enable travel. Many countries require your passport to have at least six months left before the expiration date at the time of your trip.

•   Applying for a passport in the first place can be a somewhat lengthy process; it may take as long as 11 weeks to get your passport in the mail after you apply. Even expedited processing, which comes with an additional fee, starts at five weeks of lead time. All of which is to say, make sure you have your passport ducks in a row well before you’re getting ready to actually apply for your visa.

Which Countries Require a Visa for U.S. Citizens?

Visa requirements change regularly. A case in point: The United Kingdom, which has long allowed U.S. citizens to travel without a visa, will soon require visitors to go through an online application system.

For the most up-to-date information — and before you lock in flights for a family vacation — check with the U.S. Department of State or your destination country’s travel agency to make sure you have everything set up for success before you head to the airport. At that time, you can also find out how long it will take to receive your visa. For e-visas, it may take just a couple of days.

That said, here are a few popular travel destinations that do require visas for U.S. travelers, along with notes to help you plan.

Country	Application Process	Fee	Duration of Visit
Australia	Apply online with the Australian Department of Home Affairs	AUD20 processing fee	Up to 3 months at a time over 12 months
China	China requires U.S. citizens to apply for a visa ahead of travel. Regular processing takes 4 days, and express service takes 3. You must have at least 6 months of validity on your passport and may need to meet other requirements, such as providing proof of round-trip air travel.	$140	Single, double, and multi-entry visas are available over the course of 6 months, and 12 months or more
India	You can apply for a visa online; processing may take 5 business days or longer	$25-$80, depending on visa duration	Not more than 180 days of any calendar year
Kenya	E-visa required, along with proof of yellow fever vaccination	$51	Visa is valid for three months from the date of issue and may be extended for 90 days
Russia	The U.S. Embassy calls Russia’s visa program “restrictive and complicated,” and it can take up to 20 days to get an exit visa if your visa expires during your visit. Still, it’s possible to apply for a visa ahead of time if you have your heart set on a visit, though the process will take research, time investment, and several steps.	$160	90 days in any 180-day period
United Kingdom	As mentioned above, the U.K. will soon require an Electronic Travel Authorization (ETA) of U.S. travelers. This is different from, but similar to, a visa. Processing will take a few days, but the application only takes a few minutes.	Free	180 days
Vietnam	You must apply for an e-visa online before arrival. Urgent processing is available, but normally processing takes 2 business days.	$17-$65 depending on visa duration	One-month single and multiple entry, and 3-month single and multiple entry visas available

Visa-Free Places for U.S. Passport Holders

To repeat the caveat again: The best way to know for sure if a visa is required is to research your specific destination ahead of time. That said, here are some popular destinations that are currently visa-free for U.S. passport holders. Note: This list is not exhaustive, and time restrictions may still hold.

•   American Samoa

•   Antigua and Barbuda

•   Argentina

•   Aruba

•   Belize

•   Bermuda

•   Brazil

•   Botswana

•   Canada

•   Chile

•   Colombia

•   Costa Rica

•   Curacao

•   Ecuador

•   Europe: Much of Europe allows visa-free entry for up to 90 days

•   Dominican Republic

•   Haiti

•   Honduras

•   Jamaica

•   Japan

•   Mexico

•   Morocco

•   Namibia

•   Nicaragua

•   Panama

•   Peru

•   Puerto Rico

•   Philippines

•   Scandinavia: Sweden, Denmark, Finland, Iceland, and Norway don’t require visas for stays of 90 days or less

•   Singapore

•   Senegal

•   South Africa

•   Thailand

•   Trinidad and Tobago.

Recommended: Where to Keep Your Travel Fund

Tips to Help Your Travel Plans Run Smoothly

Making sure you have the visa you need is only one part of travel planning. While you’re getting organized, here are a few more things to think about:

•   See if your furbaby needs a visa. Those traveling with pets may need to bring certain documentation in order to get their crate past customs. Otherwise, you might be unpleasantly surprised by a lengthy quarantine requirement.

•   Make sure your money is ready to travel, too. For international travel, it’s pretty key to have a travel credit card or cash back rewards credit card that doesn’t charge foreign transaction fees.

•   Get rewarded for air travel. If you usually fly with a specific airline, applying for an airline credit card could help you stack miles — and fly further for less.

•   Find ways to save. No matter how you slice it, international travel is expensive. Fortunately, there are plenty of ways to save on everything from lodging to rental cars — so you don’t eat through your travel fund all in one go.

The Takeaway

U.S. nationals are lucky to have a long list of countries that don’t require a visa for them to visit. However, some countries do (including popular destinations), so it’s important to research requirements. Find out if you need a visa for your trip well before your travel dates so you don’t run into unexpected delays.

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.

Wherever you’re going, get there with SoFi Travel.

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Photo credit: iStock/minemero

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.

Eligibility: You must be a SoFi registered user.
You must agree to SoFi’s privacy consent agreement.
You must book the travel on SoFi’s Travel Portal reached directly through a link on the SoFi website or mobile application. Travel booked directly on Expedia's website or app, or any other site operated or powered by Expedia is not eligible.
You must pay using your SoFi Credit Card.

SoFi Member Rewards: All terms applicable to the use of SoFi Member Rewards apply. To learn more please see: https://www.sofi.com/rewards/ and Terms applicable to Member Rewards.

Additional Terms: Changes to your bookings will affect the Rewards balance for the purchase. Any canceled bookings or fraud will cause Rewards to be rescinded. Rewards can be delayed by up to 7 business days after a transaction posts on Members’ SoFi Credit Card ledger. SoFi reserves the right to withhold Rewards points for suspected fraud, misuse, or suspicious activities.
©2024 SoFi Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender. NMLS #696891 (Member FDIC), (www.nmlsconsumeraccess.org).

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.



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

This article is not intended to be legal advice. Please consult an attorney for advice.

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

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They say you should never mix business with pleasure — and that applies to bank accounts, too. If you’re a freelancer, small business owner, or entrepreneur, chances are opening a business checking account could be a good move for you.

While both business and personal checking accounts allow you to safely store money and utilize those funds to pay bills and expenses, there are some important differences that make a business checking account a good idea for most folks who work for themselves. In fact, depending on the structure of your business, you may be legally obligated to open a business bank account — which is a pretty compelling argument to do so, we’d say.

Let’s take a closer look at how a business checking account differs from a personal checking account. We’ll cover:

•   What is a business checking account and how it works

•   What is a personal checking account and how it works

•   What are the key differences between a business vs. a checking account

•   Which one (or both) is right for you

What Is a Business Checking Account?

A business checking account is a checking account specifically designed for business owners. As such, they often include business-specific features, such as payroll or bookkeeping integrations, the ability to assign debit cards to employees, or simplified credit card payment processing.

In many other ways, however, a business checking account is a lot like the personal checking account you likely already have. It’s a (relatively) safe place to stash cash and use it for regular, day-to-day expenses by way of writing checks, using a debit card or initiating transfers. For example, it can allow you to:

•   Pay suppliers

•   Deposit payments from customers

•   Pay employees

But it’s only to be used for business-related expenses!

How Does a Business Checking Account Work?

When thinking about a business checking account vs. a personal account, you’ll find many similarities. You open the account, fund it with some money, and, hopefully, go on to deposit more cash as profits from your business roll in.

You’ll likely have access to the account via a debit card and/or a checkbook, and will likely also be able to log into the account and manage it online. (Both digital-first and brick-and-mortar banks offer business bank accounts these days, and most feature some kind of virtual account management option.) Business banking products often bundle both a checking and savings account, so you can start creating a cushion for a rainy day.

However, as mentioned above, a business bank account may come with some additional, business-specific features. It may also come with higher fees and minimum account balance requirements than a personal checking account, not to mention requiring documentation to prove you do, in fact, have a business.

What Is a Personal Checking Account?

A personal checking account is, well, a checking account used for personal expenses. Just like a business checking account, it’s a place where you can stash your cash with relatively few worries and use it to pay bills and expenses using a debit card, checkbook, or transfer services. Many banks also make it easy to bundle a personal checking account with a personal savings account, which is a great place to stash your emergency fund.

Unlike business checking accounts, though, a personal account won’t include those fancy features we were talking about. On the bright side, though, it’s very possible to find free personal checking accounts, which can help you save cash on those pesky monthly maintenance fees.

What Are Personal Checking Accounts Used For?

Personal checking accounts are commonly used for:

•   Storing money earned through employment or other income streams

•   Paying bills using transfer services or paper checks

•   Making transfers to friends, family, and businesses

•   Making point-of-sale purchases using a debit card

As their name suggests, personal checking accounts are designed to help you manage personal expenses and attend to your everyday money needs. Typically, a personal checking account is the hub of someone’s daily financial life.

What’s the Difference Between Business and Personal Checking?

Let’s recap what we’ve learned about the difference between business and personal checking accounts.

Business Checking Accounts	Personal Checking Accounts
A place to safely store money and access it for regular business expenses	A place to safely store money and access it for day-to-day personal expenses
May come with additional business-friendly features, such as payroll and bookkeeping integration	Designed for personal use; may offer person-to-person transfers and other useful features
May come with a bundled business savings account	May come with a bundled personal savings account
Often come with minimum opening deposit or minimum monthly balance requirements and fees; you’ll need to offer documentation proving you have a business	Many personal checking accounts are available for free
Helps entrepreneurs separate out their business expenses for ease of accounting and remaining compliant with regulations	Makes paying bills and other regular expenses more manageable, regardless of your source of income

Are Business Checking Accounts FDIC Insured?

Any business checking account worth its salt should be FDIC insured — or NCUA insured, if it’s opened and held at a credit union. The FDIC is a government agency that protects deposit accounts, such as checking accounts, and reimburses lost funds up to the $250,000 standard insurance amount in the event your bank fails. (Some banks participate in programs that extend the FDIC insurance to cover millions¹.) The NCUA is a similar agency, but specifically geared toward credit unions.

The FDIC and NCUA insure business and personal accounts alike, but it’s always important to double-check and make sure the bank or financial institution you’re hoping to open an account with explicitly states that deposits are insured.

When Does Someone Need a Business Checking Account?

If you’re a small business owner — or even a freelancer — a business checking account might be a good idea, even if it’s not technically required. Keeping your business and personal expenses separate can help make accounting easier, simplify your tax reporting process, and help make your business look more legitimate to the IRS.

In addition, if you’re incorporating (i.e, operating as LLC, S corp, or other type of business entity), separating your business expenses from your personal expenses can help protect your assets in the event you get sued. Even if it’s not legally required, many accountants and law professionals recommend their clients open a business bank account for this reason.

A business bank account can help you:

•   Separate your business and personal expenses, which can both protect your assets and make bookkeeping easier

•   Help make your tax reporting easier, as all of your deductible expenses will be in one place

•   Make it easier to see you business’s cash flow and make adjustments to your business model as needed, or valuate the business for other purposes

•   Make your business look more legitimate to both the IRS and potential customers, vendors, and other parties you interact with professionally

Establish a relationship with a bank that could allow you to more easily take out a business loan or business line of credit in the future.

Can I Use the Same Bank for Personal and Business Banking?

In many cases, you technically can use your personal checking account for business banking… but doing so is generally considered ill-advised by experts for the reasons listed above. Just for starters, it makes separating out your expenses a lot harder — and you’ll definitely want to have a handle on those so you can get any deductions coming your way.

Case in point, the IRS explicitly recommends keeping separate business and personal bank accounts for record-keeping purposes. It’s easy to let it go by the wayside if you’re just starting up as a small business owner or entrepreneur, but consider whatever expenses the account incurs as part of your business start-up costs. It’s worth it in the long run!

What’s more, it’s a wise move to separate your business and personal accounts in the event that you ever get audited. Combined accounts can lead to a very challenging situation if you ever need to prove your business vs. personal cash flow, expenses, and other aspects of your banking life.

Choosing the Right Business Checking Account

When you are shopping for a business checking account, there are a few features that should be considered to help ensure that you find the right match. These include:

•   Fees. Many business accounts have fees associated with them, and if you are able to get them waivered, the financial requirements (say, the amount you have held in the account) tend to be higher than for personal accounts.

•   Cash deposit limits. Your bank may set a limit in terms of the amount of money you can put in the account per billing cycle. If you hit that amount, you may accrue a cash-handling fee.

•   Transaction limits. Your business checking account may have a limit on the number of transactions they will handle for free per billing cycle. Go over that amount, and you may be charged.

•   Interest. There are business accounts that offer interest on your balance. Do the math though to see if this should be a deciding factor in your choice of a bank. If fees are higher at the bank offering interest, you might wind up losing money in the long run.

•   Bundled services. Your bank might offer some free features, like a business credit card or merchant services along with your checking account.

Depending on the nature of your business and how you handle your banking, some of these factors may matter more than others. Find the bank that gives you the most features and perks you are seeking with the lowest fees possible.

The Takeaway

If you own your own business or earn freelance income, keeping your business expenses separate from your personal expenses can help simplify your life in many ways. A business bank account will help keep these finances separate, streamlining accounting and tax preparation, and protect you if you were ever faced business liability.

But let’s not forget that keeping your personal banking in tip-top shape is vital, too. That’s where the SoFi Checking and Savings bank account can help. When you sign up with direct deposit, you’ll get both checking and savings with absolutely zero account fees and earn a competitive APY just for letting us hold onto your funds.

See how much better you can bank with SoFi.

FAQ

What documents are required to open a business checking account?

In order to open a business checking account, you’ll need your regular, basic documents — like your government-issued picture ID — as well as business-specific documents such as your EIN and business license. Check with the bank you’re considering directly for full details on which documents are required

Can I open a business checking account without an LLC?

It depends on the financial institution, but yes, business accounts are available that don’t require the business owner to be incorporated in any way

Can I use a personal checking account for business?

You can — the question is whether or not you should. Separating your business and personal expenses can make your life, or your accountant’s life, a lot easier when it comes time to assess your business finances or pay taxes. In addition, there are special business banking features you might get if you opt for a business-specific account.

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Photo credit: iStock/mapodile

¹SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by banks in the SoFi Insured Deposit Program. Deposits may be insured up to $2M through participation in the program. See full terms at SoFi.com/banking/fdic/terms. See list of participating banks at SoFi.com/banking/fdic/receivingbanks.

SoFi® Checking and Savings is offered through SoFi Bank, N.A. ©2024 SoFi Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender.
The SoFi Bank Debit Mastercard® is issued by SoFi Bank, N.A., pursuant to license by Mastercard International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

SoFi members with direct deposit activity can earn 4.00% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. Direct Deposit means a recurring deposit of regular income to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Direct Deposit”) via the Automated Clearing House (“ACH”) Network during a 30-day Evaluation Period (as defined below). Deposits that are not from an employer or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g., IRS tax refunds), do not constitute Direct Deposit activity. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. SoFi members with direct deposit are eligible for other SoFi Plus benefits.

As an alternative to direct deposit, SoFi members with Qualifying Deposits can earn 4.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Qualifying Deposits means one or more deposits that, in the aggregate, are equal to or greater than $5,000 to an account holder’s SoFi Checking and Savings account (“Qualifying Deposits”) during a 30-day Evaluation Period (as defined below). Qualifying Deposits only include those deposits from the following eligible sources: (i) ACH transfers, (ii) inbound wire transfers, (iii) peer-to-peer transfers (i.e., external transfers from PayPal, Venmo, etc. and internal peer-to-peer transfers from a SoFi account belonging to another account holder), (iv) check deposits, (v) instant funding to your SoFi Bank Debit Card, (vi) push payments to your SoFi Bank Debit Card, and (vii) cash deposits. Qualifying Deposits do not include: (i) transfers between an account holder’s Checking account, Savings account, and/or Vaults; (ii) interest payments; (iii) bonuses issued by SoFi Bank or its affiliates; or (iv) credits, reversals, and refunds from SoFi Bank, N.A. (“SoFi Bank”) or from a merchant. SoFi members with Qualifying Deposits are not eligible for other SoFi Plus benefits.

SoFi Bank shall, in its sole discretion, assess each account holder’s Direct Deposit activity and Qualifying Deposits throughout each 30-Day Evaluation Period to determine the applicability of rates and may request additional documentation for verification of eligibility. The 30-Day Evaluation Period refers to the “Start Date” and “End Date” set forth on the APY Details page of your account, which comprises a period of 30 calendar days (the “30-Day Evaluation Period”). You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking > Savings > Current APY or (ii) Banking > Checking > Current APY. Upon receiving a Direct Deposit or $5,000 in Qualifying Deposits to your account, you will begin earning 4.00% APY on savings balances (including Vaults) and 0.50% on checking balances on or before the following calendar day. You will continue to earn these APYs for (i) the remainder of the current 30-Day Evaluation Period and through the end of the subsequent 30-Day Evaluation Period and (ii) any following 30-day Evaluation Periods during which SoFi Bank determines you to have Direct Deposit activity or $5,000 in Qualifying Deposits without interruption.

SoFi Bank reserves the right to grant a grace period to account holders following a change in Direct Deposit activity or Qualifying Deposits activity before adjusting rates. If SoFi Bank grants you a grace period, the dates for such grace period will be reflected on the APY Details page of your account. If SoFi Bank determines that you did not have Direct Deposit activity or $5,000 in Qualifying Deposits during the current 30-day Evaluation Period and, if applicable, the grace period, then you will begin earning the rates earned by account holders without either Direct Deposit or Qualifying Deposits until you have Direct Deposit activity or $5,000 in Qualifying Deposits in a subsequent 30-Day Evaluation Period. For the avoidance of doubt, an account holder with both Direct Deposit activity and Qualifying Deposits will earn the rates earned by account holders with Direct Deposit.

Members without either Direct Deposit activity or Qualifying Deposits, as determined by SoFi Bank, during a 30-Day Evaluation Period and, if applicable, the grace period, will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances.

Interest rates are variable and subject to change at any time. These rates are current as of 12/3/24. There is no minimum balance requirement. Additional information can be found at https://www.sofi.com/legal/banking-rate-sheet.

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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