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Manage your holiday budget abroad with a free travel money card

In addition to comparing holiday money,  Prepaid travel money cards  have proven to be an excellent tool to manage your holiday budget. The cards are typically FREE of charge and work by pre-loading foreign currency onto the card prior to departure. If you are going to the Eurozone countries, compare euro currency card options, and for the USA, take a look at our dollar currency card comparison.

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Upon landing in a foreign country, expect a lot of lines. There’s immigration, passport control and customs inspection. But there’s one line you can — and absolutely should — skip: the airport currency exchange.

Not only does the airport currency exchange counter’s line cut into precious time abroad, but it’s typically a terrible money move. Airport currency exchange rates are among the worst you’ll find.

It’s not uncommon to see airport exchanges charging 14% more than the current International Monetary Fund (IMF) exchange rate. NerdWallet even found some premiums exceeding 17%. Some also charge additional fees on top of the poor exchange rate.

So what do you do if you need cash upon arrival to order a cab or tip the bellhop? Consider ordering foreign currency before you fly.

Most banks allow you to order foreign currencies, which you can typically pick up at a local branch before your trip. Some banks offer to ship currencies to you, and sometimes they don’t even charge extra for postage if you order a certain amount.

Plus, the exchange rate can be good. For instance, at Bank of America, the exchange rates we checked in January 2024 average roughly 6% more than the IMF rates — and less than half of what the airport currency exchanges are charging.

» Learn more: The best travel credit cards right now

How to order foreign currency from your bank

While the exact process varies by bank, most major banks make it easy to order online.

Typically you can access the currency exchange webpage through your bank’s website or mobile app, or by phone. From there, you usually enter the currency you need, add the desired amount, select the pickup method and place your order.

While you can generally expect a solid exchange rate, use a trusted source such as Reuters or the International Monetary Fund to find current exchange rates and ensure you get a fair deal.

Additionally, understand all the fees involved. For example, Citi charges a $5 service fee for transactions under $1,000, though it’s waived for clients with premium bank accounts .

Or you might get charged a shipping fee. Bank of America’s standard shipping costs $7.50, but overnight shipping is $20. Sometimes you can avoid shipping fees by opting to pick up the cash at a local branch or by being a loyal customer. Bank of America Preferred Rewards program members get free standard shipping.

There’s also generally a minimum amount of foreign currency you can order ($100 or $200 is common) and a maximum ($10,000 within a 30-day period is common).

Other good ways to pay abroad

If it’s too late to order foreign currency from your bank, here are other ways to curtail currency fees :

Find an in-network ATM abroad

Major banks usually have branches abroad or partner with other banks to create a network. Using those ATMs often provides a decent exchange rate while eliminating out-of-network ATM fees.

If you end up using a non-network ATM, pay attention to ATM fees , which vary but usually run about $5 per transaction. Given that, consider limiting ATM debit transactions by withdrawing the amount you think you’ll need for the entire trip, or at least a large portion of it.

ATM availability is more common in some places than others. Macau has the highest number of ATMs per capita with 316 ATMs per 100,000 adults, based on 2021 data from the World Bank Group. Uruguay, Canada and Austria are other destinations with the most ATMs per capita.

But other countries tend to have far fewer. For example, Kenya had fewer than 7 ATMs per 100,000 adults and Nepal had only 20 ATMs per 100,000 adults, according to the same data.

Pay with a credit card that doesn’t charge foreign transaction fees

Depending on the card, you might get dinged with foreign transaction fees of 1%-3% when you make purchases at non-U.S. retailers abroad.

That’s why it’s wise to carry a no-foreign-transaction-fee credit card abroad.

on Chase's website

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠. .

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel. .

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening. .

» Learn more: The best no-foreign-transaction-fee cards

And more international merchants are taking plastic. This wider card acceptance and increased security are reasons travelers are ditching cash, according to the Visa Global Travel Intentions Study 2023, which polled more than 15,000 people in the Asian Pacific region between April and June 2023.

While this type of card won’t help you pay at cash-only businesses or get money for tips, it’s otherwise one of the smartest ways to pay internationally.

» Frequent travelers: Consider a multicurrency account

Try paying in cash dollars

If all else fails, offer to pay in U.S. dollars. In fact, some merchants or individuals accepting tips prefer it in certain countries. You might find vendors willing to give you an even better deal if you pay with U.S. dollars.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

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What’s the Best Way to Exchange Your Currency for a Trip Abroad?

Got an international trip coming up? Need to make a currency exchange? Let us talk you through your options.

December 4, 2023 — 4 min read

When you’re preparing for an international vacation, there’s a lot you need to remember to bring. Between your passport, enough clothes, adapters, it’s easy to fill up a few bags with just the essentials.

However...it’s also important that you don’t forget to bring some money to use on your trip. Odds are, if you’re traveling internationally, you’ll need to make payments in a different currency. What’s the best way to get the money? When should you make the currency exchange?

You have a few different options for exchanging your currency. We’re going to run through your options and let you know what the best option is and what you should do your best to avoid.

4. Using ATMs and card payments

Technically, you don’t need to make any currency exchanges. If it comes down to it, you can just go to an ATM or use a debit or credit card to make your payments. But while this option might sound like the most convenient one (at least as far as your time is concerned), it’s far from the best option.

When you visit ATMs or use your card to make payments in another country (and currency), you’re going to be subjected to numerous service fees and transaction fees each time you withdraw cash or swipe your card. If you’re there for a short time and only plan on making one or two payments that might not be so bad, but if you’re planning on making numerous purchases, these fees can and will add up—fast.

3. Exchanging in person at your destination

Another common option is waiting until you enter the country, and exchanging your currency there. People typically do this at the airport or at a local bank or currency exchange store.

While this method will let you avoid the high transaction fees, it unfortunately will not protect you from unfavorable rates of exchange. These providers are free to set their own rates, and it is very likely (especially if you’re exchanging at an airport kiosk ) that the rates will give you much less for your money than if you transfer elsewhere.

And from a peace of mind perspective, wouldn’t it be nice to have your money taken care of before your arrival? That way, once you arrive, you’re free to start exploring or take a rest, without having to worry about getting money on top of wrangling your luggage and figuring out how to get to your lodgings.

2. Exchanging at the bank before your trip

As we mentioned in the previous section, it’s always nice to have your currency exchange taken care of before you reach your destination. It’s one less item to have on your to-do list when you arrive, and then if something happens upon arrival, you’ll already have the money that you need.

While banks are reliable, easily accessible, and can facilitate a currency exchange for you, they still aren’t the best option. While their rates will be better than those of airport kiosks, banks still come with a few drawbacks —namely, limited working hours, unfavorable exchange rates, and transaction fees.

So where does that leave us? Well...

1. Using money transfer to get currency before your trip

We promise we’re not biased—this really is the best option. Using an online money transfer service to exchange your currency before your trip will allow you to:

Avoid transaction and payment fees

Trust you’ll get a fair exchange rate

Take care of your currency exchange quickly and from your own home

Let you relax knowing that your currency exchange has already been handled.

It’s quick and easy to make an online money transfer. You don’t need to find a physical storefront and worry about business hours—you can initiate one on the go, 24/7, 365 days a year.

Haven’t made an online money transfer before? Here’s our step-by-step guide to the process. Or are you ready to get started now? Visit our Money Transfers page to learn more about Xe and how you can take care of your currency needs now, before you take on that upcoming trip.

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Winter is here! Check out the winter wonderlands at these 5 amazing winter destinations in Montana

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How To Manage Your Travel Money Better

Published: September 19, 2023

Modified: December 27, 2023

by Doti Durant

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Introduction

When it comes to traveling, managing your money effectively is essential. From budgeting and currency exchange rates to payment methods and expense tracking, every decision you make can impact your overall travel experience. And that’s why we’re here to help you manage your travel money better.

Whether you’re planning a short weekend getaway or a long-term adventure, having a well-planned travel budget can make a significant difference. It allows you to make the most of your trip without worrying about running out of funds or overspending.

In this comprehensive guide, we will share valuable tips and strategies to help you manage your travel money better. We’ll explore how to assess your travel budget, research currency exchange rates, choose the right payment methods, set a daily spending limit, keep track of expenses, avoid unnecessary fees, utilize travel money apps, and protect your funds.

By implementing these insightful recommendations, you can make smarter financial decisions during your travels, ensuring that you have a worry-free and enjoyable experience.

So, let’s delve into the world of travel finance and discover how you can make your travel money work for you!

Assessing Your Travel Budget

Before embarking on any trip, it’s crucial to assess your travel budget carefully. Understanding how much money you have available to spend will help you plan your expenses and make informed decisions. Here are some steps to follow when assessing your travel budget:

• Evaluate your income and savings: Start by determining how much money you have saved specifically for your trip. Consider any additional income you can allocate towards your travel budget.
• Define your travel goals: Identify the purpose of your trip and the experiences you want to have. Whether you’re aiming for a luxury vacation or a backpacking adventure, your travel goals will influence your budget.
• Research destination costs: Research the cost of living, accommodations, transportation, meals, and activities in your destination. Websites and travel apps can provide valuable insights into typical expenditure ranges in various locations.
• Factor in additional expenses: Don’t forget to account for visa fees, travel insurance, vaccinations, and other miscellaneous expenses that might arise during your trip.
• Create a breakdown of expenses: Compile a detailed list of all estimated expenses, including flights, accommodation, transportation, meals, activities, and any other costs specific to your trip. This breakdown will help you allocate your budget effectively.

By assessing your travel budget thoroughly, you’ll gain a clear understanding of how much money you need for your trip. It will also help you prioritize your expenses, allocate funds accordingly, and make adjustments if needed.

Remember, it’s essential to be realistic when assessing your budget. It’s better to overestimate expenses and have some extra funds than to run out of money during your trip. Plan ahead, be mindful of your financial limitations, and make the most of the resources available to you.

Researching Currency Exchange Rates

When traveling internationally, understanding and keeping track of currency exchange rates is crucial for managing your travel money effectively. Here are some tips for researching currency exchange rates:

• Monitor rates before your trip: Start keeping an eye on currency exchange rates well in advance. Websites and financial news platforms offer real-time information on exchange rates, allowing you to identify favorable times to convert your money.
• Consider exchange fees: In addition to the exchange rate, factor in any fees charged by banks or exchange services. These fees can vary significantly and may impact the amount you receive when converting your money.
• Compare different exchange options: Explore your options for currency exchange, including banks, currency exchange offices, and online platforms. Compare rates and fees to find the most favorable option for your travel needs.
• Be cautious of airport exchange services: While convenient, currency exchange services at airports often have higher fees and less competitive rates. If possible, exchange a small amount of cash for immediate expenses and seek better rates outside the airport.
• Consider using local currency: When traveling to a foreign country, it’s generally advisable to use the local currency for transactions. This can help you avoid dynamic currency conversion fees and ensure that you’re getting the most accurate exchange rate.

By researching currency exchange rates and understanding the fees involved, you can make informed decisions about when and where to exchange your money. This will allow you to maximize the value of your travel funds and avoid unnecessary expenses.

In addition to traditional currency exchange methods, consider alternatives such as using a prepaid travel card or utilizing digital payment platforms. These options often offer competitive rates and can be a convenient way to manage your travel money.

Remember to stay updated on exchange rate fluctuations throughout your trip and adjust your budget and spending accordingly. Unforeseen changes in exchange rates can affect your overall travel expenses, so it’s important to remain flexible and adaptable.

Keeping a keen eye on currency exchange rates will help you make the most of your travel budget and ensure that you’re making informed financial decisions during your trip.

Choosing the Right Payment Methods

When managing your travel money, choosing the right payment methods is essential for convenience, security, and cost-effectiveness. Here are some factors to consider when selecting payment methods for your trip:

• Credit and debit cards: Carrying a credit or debit card is a convenient way to make payments and access cash while traveling. Look for cards that offer low or no foreign transaction fees, as these fees can add up over time.
• Prepaid travel cards: Prepaid travel cards allow you to load a specific amount of money onto the card before your trip. They offer convenience and security, as they are not linked to your bank account. Compare fees and exchange rates when choosing a prepaid card.
• Cash: It’s always a good idea to carry a small amount of local currency for immediate expenses and emergencies. Keep in mind that exchanging money at your destination might offer better rates than exchanging in your home country.
• Mobile payment apps: Mobile payment apps, such as Apple Pay or Google Pay, are becoming more widely accepted around the world. They offer convenience and security, as they eliminate the need to carry physical cards or cash.
• Traveler’s checks: Traveler’s checks are a secure option, but their acceptance has decreased over the years. They can be exchanged for cash at banks or currency exchange offices, but they may not be widely accepted, so check availability at your destination.

When choosing payment methods, consider the availability and acceptance of different options at your destination. It’s also a good idea to have multiple options available to ensure you’re not reliant on a single method.

Remember to notify your bank of your travel plans to prevent your cards from being blocked for suspicious activity. Additionally, keep copies of important documents, such as card numbers and contact details for card providers, in a secure location in case of loss or theft.

By selecting the right payment methods for your travel needs, you can ensure smooth and hassle-free transactions during your trip, giving you peace of mind as you explore new destinations.

Setting a Daily Spending Limit

Setting a daily spending limit is a crucial step in managing your travel money effectively and ensuring that you stay within your budget. Here are some tips to help you establish a reasonable daily spending limit:

• Evaluate your overall travel budget: Take into account the total amount of money you have allocated for your trip and divide it by the number of days you will be traveling. This will give you a rough idea of how much you can afford to spend each day.
• Consider destination-specific costs: Research the average cost of living in your destination to determine a realistic daily spending limit. Some destinations may be more expensive than others, so adjust your daily limit accordingly.
• Account for activities and sightseeing: Take into account any activities, excursions, or attractions you plan to participate in during your trip. Allocate a portion of your daily spending limit specifically for these expenses.
• Include accommodation and transportation costs: If your accommodations or transportation expenses vary from day to day, factor them into your daily spending limit. This will help you maintain a balanced budget throughout your trip.
• Be flexible but disciplined: While it’s important to have a spending limit, allow yourself some flexibility for unexpected expenses or special treats. However, maintaining discipline and sticking to your overall budget is crucial to avoid overspending.

Once you have established your daily spending limit, track your expenses diligently. Keep a record of every purchase you make throughout the day and compare it to your daily budget. This will help you stay accountable and make adjustments if necessary.

Remember, setting a daily spending limit is not about restricting yourself completely. It’s about finding a balance between enjoying your trip and managing your finances responsibly. By setting realistic limits and tracking your expenses, you can make the most of your travel experiences without breaking the bank.

Keeping Track of Expenses

Keeping track of your expenses while traveling is essential to maintain control over your budget and ensure that you are staying within your spending limits. Here are some effective methods for tracking your expenses:

• Use a dedicated expense tracking app: There are numerous apps available specifically designed to help travelers keep track of their expenses. These apps allow you to input your purchases, categorize them, and generate reports for easy analysis of your spending habits.
• Maintain a travel expense journal: If you prefer a more traditional approach, carry a small notebook or use a note-taking app to jot down your expenses as you make them. Be sure to include details such as the date, item purchased, amount spent, and the category to which it belongs.
• Save receipts: Develop the habit of saving all your receipts throughout your trip. At the end of each day, take a few minutes to organize and store them in an envelope or a dedicated folder. This will provide a tangible record of your expenses and help with accurate tracking.
• Create a daily expense spreadsheet: For those who enjoy utilizing spreadsheets, create a simple Excel or Google Sheets document to record your expenses. Use columns for date, item, cost, category, and any other relevant information to help you analyze your spending patterns.
• Review your expenses regularly: Dedicate time each day or at the end of the week to review your expenses and evaluate your spending. Look for areas where you can cut back or make adjustments to stay within your budget.

Tracking your expenses not only helps you stay on top of your budget but also provides valuable insights into your spending habits. It allows you to identify areas where you may be overspending and make conscious decisions to better manage your money.

Remember to be consistent and diligent with your expense tracking. Small purchases can add up quickly, so make a habit of recording every expense, no matter how insignificant it may seem at the time.

By keeping track of your expenses, you can gain better control over your finances, make informed decisions, and ensure that your travel funds are being used wisely throughout your journey.

Avoiding ATM and Credit Card Fees

When traveling, ATM and credit card fees can quickly eat into your travel budget. Fortunately, there are strategies you can employ to minimize or even avoid these fees. Here are some tips to help you avoid ATM and credit card fees:

• Research fee-free ATM networks: Look for banks or ATM networks that offer fee-free withdrawals for foreign cardholders. Some banks have partnerships with international networks or specific agreements that allow fee-free access to ATMs.
• Notify your bank: Prior to your trip, inform your bank or credit card provider about your travel plans. This ensures that your card is not blocked due to suspicious activity while you’re abroad.
• Choose the right credit card: Select a credit card that offers low or no foreign transaction fees. These fees can add up, so it’s worth comparing different credit card options to find the ones with the most favorable terms.
• Avoid Dynamic Currency Conversion (DCC): When using your credit card for purchases abroad, be cautious of merchants offering DCC. This allows the merchant to convert the charge into your home currency, usually at an unfavorable exchange rate. Opt to be billed in the local currency instead.
• Use a prepaid travel card: Consider using a prepaid travel card that offers competitive exchange rates and low fees. These cards can be loaded with a specific amount of money before your trip, and you can avoid transaction fees and unfavorable exchange rates.

Additionally, be mindful of the fees associated with foreign ATM withdrawals, as they can vary significantly. Some banks charge a flat fee per withdrawal, while others impose a percentage fee based on the amount withdrawn. Try to withdraw larger amounts at once to minimize the number of transactions and associated fees.

Remember to keep track of your transactions and periodically check your bank and credit card statements to ensure accurate billing and identify any unauthorized charges.

By doing your research, choosing the right cards, and utilizing fee-free options, you can avoid unnecessary ATM and credit card fees while traveling, helping you make the most of your travel budget.

Using Travel Money Apps

In today’s digital age, travel money apps have become valuable tools for managing finances on the go. These apps offer convenience, security, and helpful features to make your travel experience smoother. Here’s how you can leverage travel money apps to your advantage:

• Expense tracking: Many travel money apps allow you to input and categorize your expenses, providing a detailed overview of your spending habits. This helps you stay on budget by monitoring your expenditures in real-time.
• Currency conversion: With built-in currency converters, travel money apps allow you to quickly and easily convert between currencies. This is especially useful when dealing with unfamiliar currencies and helps ensure you’re making informed purchasing decisions.
• Budgeting tools: Some apps come with budgeting features that enable you to set spending limits, track your progress, and receive alerts when you’re approaching your limit. These tools help you maintain financial discipline throughout your trip.
• Bill splitting: Traveling with a group? Look for apps that offer bill splitting functionalities. These features simplify the process of sharing expenses, splitting costs, and settling debts among your travel companions.
• Expense sharing: If you’re traveling with others and want to keep track of shared expenses, certain travel money apps allow you to record and share expenses with your travel partners, ensuring transparency and fairness.

When choosing a travel money app, consider factors such as ease of use, security features, compatibility with your devices, and customer reviews. Look for apps that have reputable developers and positive user feedback.

Some popular travel money apps to consider include Splitwise, Trail Wallet, XE Currency, and Mint. However, there are numerous options available, so explore and find the one that best suits your needs and preferences.

Keep in mind that while travel money apps can be incredibly useful, it’s always wise to have a backup plan. Carry a physical copy of your important financial information, such as card numbers and emergency contact numbers in case your phone or app fails.

By utilizing travel money apps, you can simplify the management of your finances, stay within budget, and have greater peace of mind during your travels.

Protecting Your Travel Money

Protecting your travel money is crucial to ensure you have a worry-free and financially secure trip. Here are some tips to help safeguard your funds while traveling:

• Use a secure money belt or travel wallet: Invest in a high-quality money belt or travel wallet to keep your cash, cards, and important documents safe. Opt for designs that are discreet and worn close to your body for added security.
• Split your money and cards: Divide your cash and cards into multiple locations. That way, if you lose one wallet or it gets stolen, you still have access to funds from the other source.
• Avoid keeping all your money in one place: Instead of carrying all your cash in your wallet, consider leaving some in your accommodation’s safe or using a hidden compartment within your luggage. This way, you won’t lose everything if the worst happens.
• Notify your bank and credit card providers: Inform your bank and credit card companies about your travel plans to avoid any unexpected blocks on your cards. Maintain a record of their contact information in case you need to report a lost or stolen card.
• Use ATMs in secure locations: Stick to ATMs located in well-lit, frequently visited areas to minimize the risk of theft. Be cautious of anyone loitering nearby and shield your PIN when entering it.
• Be vigilant with online transactions: When making online purchases or accessing your accounts on public Wi-Fi networks, use a Virtual Private Network (VPN) to secure your connection. Look for the padlock symbol and “https://” in the website URL to ensure secure transactions.
• Keep an eye on your cards during transactions: Avoid letting your credit or debit cards out of sight when making payments. Skimming devices and fraudulent activities can occur if your card is taken away from you.
• Regularly check your account statements: Monitor your bank and credit card statements regularly to spot any unauthorized transactions. Report any suspicious activity to your bank or card provider immediately.
• Consider travel insurance: Protect your travel investment by obtaining comprehensive travel insurance that covers loss, theft, and medical emergencies. Read the policy terms and conditions carefully to understand the coverage.

Remember, it’s always better to be proactive when it comes to protecting your travel money. Plan ahead, stay aware of your surroundings, and take necessary precautions to keep your funds secure throughout your journey.

By implementing these measures, you can minimize the risk of theft or financial loss, allowing you to focus on enjoying your trip with peace of mind.

Managing your travel money effectively is a crucial aspect of any trip. By assessing your travel budget, researching currency exchange rates, selecting the right payment methods, setting a daily spending limit, tracking your expenses, avoiding unnecessary fees, utilizing travel money apps, and protecting your funds, you can have a more seamless and enjoyable travel experience.

Remember to plan ahead, stay organized, and be mindful of your financial decisions. Research and compare your options to find the most cost-effective and secure ways to handle your travel money. Consider using technology, such as travel money apps, to simplify expense tracking and currency conversions.

Furthermore, always prioritize the security of your funds. Use secure wallets or money belts, split your money and cards, be cautious of your surroundings when making transactions, and regularly check your account statements for any suspicious activity. Travel insurance is also essential to provide additional protection throughout your journey.

By implementing these tips and strategies, you can make the most of your travel budget, avoid unnecessary financial stress, and focus on creating wonderful memories during your trip.

So, go ahead and embark on your next adventure with confidence, knowing that you have the knowledge and tools to manage your travel money better!

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• M&S Travel Money

Buy Travel Money

Currency calculator.

Our currency calculator is a quick and easy way to check our latest foreign currency exchange rates.

What do I need to bring to collect my foreign currency?

The benefits of exchanging your holiday money with M&S Bank

Wide range of foreign currencies.

We offer a wide range of foreign currencies in our Bureaux, with more available to order online. It is easy to compare travel money with M&S Bank. See footnote * *

As well as the euro and US dollar , our range includes currencies such as the UAE dirham, Bulgarian lev , Turkish lira , Thai baht and Mexican peso .

Travel money sale now on!

Click & Collect sale on euro and US dollar available until 11 April 2023.

£150 minimum order. Exchange rates will still fluctuate daily during the sale period, but you’ll receive the best rate applicable on the date your order is placed. Rates shown when placing your order are sale rates. Offer subject to availability, buy back not included. Cancellation fee and full T&Cs apply.

SameDay Click & Collect

• Order between £150 and £2,500
• Euro and US dollars available to order and collect in over 450 stores *
• Order and collect euro , US dollars , Turkish lira , New Zealand dollar , Australian dollar , Thai baht , Canadian dollar , South African rand and UAE dirham, from our Bureau the same day

Find my nearest Click and Collect store

Click & Collect † See footnote †

• A wide range of currencies available to collect from our in store Bureaux See footnote * *
• Order and collect from the next day

Our best rates on euro and US dollar when you Click & Collect

To get an even better exchange rate on euro and US dollar , use our Click & Collect service. Pay now and lock in today's rate, then collect from a store at a time convenient for you.

CHANGE4CHANGE

If you would like to donate your unused foreign currency to charity we have Change4Change collection boxes in our Bureaux, with all the money we collect going to Breast Cancer Now. Since 2007, we have raised over £630,000 for the charity via your Change4Change donations.

Find a Bureau

Travel money buy-back service

When your holiday is over, we'll buy back your leftover holiday money at the buy-back rate on the day you return it to the Bureau de Change. That's all unused notes in any denomination we sell.

Find out more about M&S Travel Money Buy Back service

If you would like to donate your unused foreign currency to charity we have Change4Change collection boxes in our Bureau stores, with all the money we collect going to Breast Cancer Now. Since 2007, we have raised over £630,000 for the charity via your Change4Change donations.

Find a bureau

When your holiday is over, we'll buy back your leftover holiday money at the buy-back rate on the day you return it to the bureau de change. That's all unused notes in any denomination we sell. Proof of purchase may be required so please retain your receipt, just in case.

Up to 55 days' interest-free credit when purchasing with an M&S Credit Card See footnote ** **

Representative example: based on an assumed credit limit of £1,200, our 24.9% rate per annum (variable) for purchases gives a representative rate of 24.9% APR (variable). Credit is subject to status.

No cash advance fee when M&S Travel Money is purchased using an M&S Credit Card.

What you'll need to bring

To collect foreign currency you've purchased online, you will need:

• A valid UK photographic driving licence, passport or EU national identity card (Romanian & Greek National ID Cards are not accepted)
• Your card you used to place your order - both ID and payment card must have the same name
• Your order number (this can be found on your confirmation email)

To purchase foreign currency in one of our Bureaux, you will need:

• A valid UK photographic driving licence, passport or EU national identity card - both ID and payment card must have the same name

Find my nearest M&S Bureau de Change

Use the M&S Bank Bureau Finder to find your nearest M&S Bureau de Change and opening hours.

Find a Bureau de Change

Manage your existing travel insurance policy

Want to renew, change or cancel your policy or need to make a claim?

Find out more - about managing your travel insurance policy

Planning a holiday abroad?

Travelling to Europe or beyond? Check out our handy guide to help make your trip perfect.

Need some winter sun?

Planning a winter sunshine break? Use our handy guide to help with your planning.

Ready to hit the slopes?

Thinking about a skiing holiday in Europe, North America or Asia? Use our guide to help you with your trip.

Planning to travel with cash?

Our guide explains how much money you can take abroad.

Learn more about the euro

How many countries use the euro? When was the euro first introduced? Find out more.

Using your credit card abroad

Going on holiday? Get to grips with how you can use a credit card outside of the UK.

What is RFID blocking technology?

If you are concerned about having your passport or credit card skimmed whilst abroad learn more about RFID technology.

What influences exchange rates?

Discover what factors contribute to the exchange rates that you see today.

How to budget for long term travel

Going on a long-term trip? Read our guide on how to budget successfully to ensure you have the most memorable time possible.

Visiting a Christmas market?

Learn more about the many Christmas markets across Europe.

Frequently asked questions

Can i use a credit card to purchase travel money.

Yes, you can use a credit card to purchase travel money. However, please check with your card provider as they may apply fees or charges e.g. cash advance fees or other fees.

Our Bureaux accept the majority of UK issued major credit cards.

How much cash can I travel with?

You can learn more about taking cash in and out of Great Britain and declaring cash by visiting gov.uk .

Should I get foreign currency before I travel?

Buying your travel money before you travel can be an important part of pre-holiday preparation. You can use our Currency Converter to get the latest exchange rates across worldwide holiday destinations.

You can also check out our handy holiday checklist to help with planning ahead of your trip.

Where can I collect M&S Travel Money from?

You can collect M&S Travel Money from over 100 bureaux de change or from over 350 stores nationwide. You can find your nearest M&S Bureau de Change using our Bureau Finder .

Where can I get the best exchange rate?

Exchange rates change on a regular basis and vary depending on the currency you order. At M&S Bank, we offer our best rates for euro and US dollar via the Click & Collect service, where you can order your currency and collect from the next day in an M&S location local to you. If you order online before 4pm, you can collect the same day. For all other currencies, check our website for more information.

How much travel money can I order?

For orders placed via Click & Collect, there is a minimum £150 order and maximum of £2,500. For Bureau de Change walk-ups, there is no minimum order.

How do I confirm my Travel Money purchase using my M&S Credit Card?

There are three ways to verify your payments - you can use our M&S Banking App, a one-time passcode via text message or by using a card reader to verify your payment. Use our how-to videos or step-by-step guides to find out more.

Have a question about travel money or other travel products?

Ask our Virtual Assistant

Useful information

View exchange rates

Find out more about euro rates

Find out more about US dollar rates

Find out more about Australian dollar rates

Find out more about Canadian dollar rates

Find out more about New Zealand dollar rates

Find out about M&S Travel Insurance

Important documents

M&S Travel Money Terms and Conditions

M&S Travel Money Click & Collect Sale Terms and Conditions

You may require Adobe PDF reader to view these documents. Download Adobe Reader

* Subject to availability

** With the M&S Credit Card, you'll receive up to 55 days' interest-free credit when you pay your balance in full and on time each month.

† Next Day collection is subject to availability. Please confirm your collection date and location at the checkout.

The smarter way to travel

Multi-currency Cash Passport™. One Card, Ten Currencies.

Get your card   Get the app  

Multi-currency Cash Passport

10 currencies, locked in rates.

Lock in exchange rates each time you load and top up. Load up to 10 different currencies on one card. Pound Sterling, Euros, US Dollars, Australian Dollars, Canadian Dollars, New Zealand Dollars, South African Rand, Turkish Lira, Swiss Francs and Emirati Dirhams.

Stay in control

Manage and track your Cash Passport on the go via your mobile, tablet, laptop or PC. Login to  My Account  and stay in control of your money. 

Accepted at millions of locations

Preload your Cash Passport and use like you would a credit or debit card in-store, online or to withdraw local currency at ATMs.

Global assistance

Help is only a call away. If your card is lost, stolen or damaged, we can replace it quickly or provide you with emergency cash up to the available balance on your card (subject to availability).

Today's exchange rates*

Running low on travel money.

Multi-currency Cash Passport is reloadable, allowing you to top up any of your currencies, anywhere, anytime.

You can top up in 5 ways:

• Bank transfer (via phone or internet banking)
• Via the mobile app
• Over the phone
• In participating branches

Learn more about your top up options.

Keep track of your travel money

You can use your mobile, tablet, laptop or PC to login to My Account  and stay in control of your travel money.

Register for My Account , so you can:

• Track your spending
• Top up your card
• Transfer between currencies
• Retrieve your PIN number
• Suspend your card temporarily

You can also download the Cash Passport mobile app, available for iOS and Android devices.

Travel with confidence

Safe and secure access to your money

Cash Passport uses Chip and PIN technology which means you can rest assured you have additional security making your card safer than carrying cash. Accepted at millions of locations and cash machines worldwide.

Looking for a back-up card for safe keeping? Simply purchase an additional card when ordering online or in-store.

We're here to help

We're only a call or email away at all times. Our global assistance team will help you if your card is lost, stolen or damaged.

We can replace your card quickly or provide you with access to emergency cash up to the available balance on your card (subject to availability), so you can keep enjoying your holiday.

Need further help?

View our frequently asked questions or feel free to contact us .

Cash Passport™ app

The new Cash Passport app has an improved design that makes managing your travel money faster and easier.

Start travelling smarter in just a couple of taps. Activate your Cash Passport card from your mobile, download the app from the iOS or Android store, log-in, and load up with your preferred currency. Simple!

Now you can securely store your payment card details in the Cash Passport app, so whenever and wherever you are, you can top up with up to 10 currencies, including Euros, US, Australian and Canadian Dollars and British Pounds at the touch of a button.

Stay in control the smart way. The new message centre feature lets you stay on top of tailored notifications, including low balance and transaction alerts. Keeping you up to date with your own personal need to know information.

Move money between your currencies with just a couple of taps – it’s that simple! Quickly move money between 10 currencies and spend more time enjoying your holiday.

Priceless Cities

Priceless Cities is a program available exclusively to Cash Passport cardholders and provides access to unforgettable experiences in the cities where you live and travel.

There’s a world of possibilities waiting for you to explore, so why not break free from your routine for a moment, a night, or even a weekend? Fuel your passions. Make memories to last a lifetime. Start Something Priceless.

Find out more

Multi-currency Cash Passport is issued by PrePay Technologies Limited pursuant to license by Mastercard  International. PrePay Technologies Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (FRN: 900010) for the issuing of electronic money and payment instruments. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

*Foreign exchange rates can fluctuate and the rate that applies one day will not necessarily be the same on any other day. The exchange rates set out on this website apply to top-ups that are made via this website only and that are applied to your card account within four hours. We will provide you with the applicable exchange rate at the time you top up.

Apple and the Apple logo are trademarks of Apple Inc. registered in the U.S. and other countries. App Store is a service of Apple Inc. registered in the U.S. and other countries. Google Play and the Google Play logo are trademarks of Google LLC.

Today’s exchange rates*

Android Police

9 simple google flights tips and tricks to try on your next trip.

Snag sweet travel deals with Google's flight search platform

Google Flights is among the best apps for cheap travel . It's the one-stop search engine for airplane trips and consolidates hundreds of top online travel agencies (OTAs). You can search for the best ones in a central hub from your mobile phone or personal computer . You won't have to visit multiple websites, and you can find anything based on round or multi-city trip entries and other criteria. Flights also has tools for cost comparison, so you can see whether current prices are high compared to historical data. Here's how to save money and reach your desired locations quickly.

1 Use the price comparison tool

Google Flights has a date grid that displays departure and return dates around your selected travel dates. Dates with the lowest prices indicate the figures in green. Those in red indicate higher-than-usual prices. Use the grid to make comparisons and find the best rates for your budget.

The price graph shows a visual representation of flight patterns. You'll identify optimal times to fly based on pricing trends. You can even view the full price history for a route up to 60 days before the current date. Here's how to use these features:

1. On your browser, visit google.com/travel/flights .

2. Enter your location and destination. Then click Search .

3. Click Date grid to make price comparisons.

4. Select Price graph to view fare trends by month or week.

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2 explore affordable travel options.

The Google Flights search tools help you find available and affordable airlines. Typically, you'll enter your location and destination in the search fields. This function only brings flight results along the route you selected. If you leave the destination field blank, Flights shows a map in the Explore tab . You can pan it for airlines with the best fares.

If your travel plans are flexible, you could save on flights by considering alternative travel dates. Flights automatically sets a sample trip duration lasting for a week and within the next six months. This default date range might not give you the best deals. Click the sample date, or use the search fields on the left sidebar to adjust dates according to your preferences.

3 Get inspiration on what to do

The Explore tab is where Google Flights shows airlines, prices, and available flights. You can also use it for inspiration when planning your schedule. Clicking a destination on the map shows places to see in the left sidebar. You can also find hotels and vacation rentals if you don't have accommodation.

The sidebar also shows peak and off seasons to help you determine the best time to visit a place. This way, you avoid travel disasters when there's too much population, bad weather, and other factors. People often ask questions about locations on Google Search. Explore pulls the ones related to a place, allowing you to expand them quickly without running a separate search.

4 Search and book multi-city trips

Searching for destinations and booking repeatedly on Google Flights is stressful. The platform allows you to perform multi-city searches simultaneously. Plus, you can make broader comparisons between fares and save money on international trips.

Instead of booking separate one-way flights, you'll book multi-city flights as a single unit with supported airlines or separately. Here's how to use the feature:

1. Go to the Google Flights website .

2. Click Round trip . Then, select Multi-city .

3. Click Add flight to insert more fields. Then, enter where you're flying from and where to in each of them.

4. Enter the departure dates. Then, click Search . The platform provides results for all available flights in your selected regions.

5 Automatic price guarantee

Price guarantee helps you secure the best prices for your flights. The feature is available for flights with charges that Google has assurance of before it takes off. If you turn on the feature for a booked flight, Google monitors the rates until you board and gives you a refund if it turns out cheaper than originally displayed.

However, the price difference must exceed $5 to qualify for a payout. Also, you can only receive a maximum payout of $500 per Google account within a year. The feature works for trips you book on Google Flights, as well as those you discover on the platform but eventually book on the airline's website.

Price Guarantee is a pilot program and is still under testing. Not all flights are eligible for it until Google expands it. Eligible flights have a colored badge near them. Click a checkbox when booking to activate the feature.

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6 set fare alerts.

While Google Flights does its best to save your money, airline fares can change at any time. Price surges usually happen closer to departure dates because fewer seats are available. Airlines try to capitalize on travelers' willingness to pay for the remaining ones. Other times, pricing drops or remains stable when fewer travelers book flights.

You can set alerts to monitor these changes for specific routes on Flights. You'll receive automatic notifications via email. It saves you from constantly checking the prices yourself. Here's how to do it:

1. On the Google Flights website, enter your departure point and destination.

2. Set your departure and return dates.

3. Click Search .

4. Turn on the toggle switch beside Track prices . Flights sends you email notifications when travel fares change for your route within the specified dates.

7 Confirm ghosting prices

Ghosting prices refer to situations where you spot attractive flight fares. When you try to book them, the price jumps or becomes unavailable. There's an explanation for it. Google Flights is a flight search engine, not a booking platform. Even though it provides booking buttons and options, all links lead you to book with airlines or online travel agencies.

When you experience ghosting dates, airlines have updated their prices. However, there's a slight delay before Google Flights receives the information. Double-check the airline's website or contact them. You may still be able to access the ghosting prices.

8 Book layover flights

Layover flights are connecting air trips that include one or more stops between your starting point and destination. They are often cheaper than nonstop flights for the same route. Airlines usually have hubs or stop points for travelers going to various destinations.

If you're flexible with your travel plans, booking two separate flights – one from Point A to the layover city and another from the layover city to Point B – can be cheaper than booking a direct flight. However, it will take longer to reach your destination.

Google Flights has a handy layover duration feature. It tells you how long you'll wait at the airport before boarding your next flight to your final destination. Use this tool to filter the shortest route for you. Follow the steps below to start:

1. On the Flights page, click the Connecting airports search filter.

2. Use the slider to adjust your preferred layover duration.

3. Select your preferred airports. The platform shows the results.

9 Change your currency, language, or location on Google Flights

Google Flights typically sets the search currency, location, and language to match your IP address. If you're in the United States, you'll see prices in dollars. But it may be wrong. There are buttons beneath the menus and web pages for changing your language, country, and currency. You can also access the buttons on the platform's menu. Here's how to use both methods:

1. On the Google Flights website, scroll down to the bottom of the web page.

2. Click the Language , Country , and Currency options to adjust the settings to your preferences.

3. Alternatively, click the menu icon in the upper-left corner. Then, use the corresponding options.

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Use google flights to save on your next trip.

Google Flights finds flights well, but that's where its efforts stop. You'll need trip-planning features to enhance your experience. You'll find them in other dedicated travel apps , like itinerary building, budgeting, activity recommendations, and offline access. Some apps help you find accomodations and help you pack. Download them for free on the Google Play Store.

Currency Experts

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Why Travel Money

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•   Australia
•   Brasil
•   Canada
•   Deutschland
•   España
•   France
•   India
•   Italia
•   Magyarország
•   Malaysia
•   New Zealand
•   Polska
•   Portugal
•   România
•   Singapore
•   United Kingdom
•   United States
•   繁體中文 (香港)

Best Euro cards in the US [2024]

If you’re planning a trip to Europe you might be wondering about the best way to get a EUR card before you head off to make it easier and cheaper to spend euros while you’re away. Using a EUR card can also help you manage your travel money budget and access better exchange rates – but which euro cards are best to pick?

This guide walks through all you need to know, including a look at how EUR cards from providers like Wise and Revolut can help you get a better deal on your overseas spending.

Go to Wise Go to Revolut

Quick summary: Best euro cards comparison

Wise debit card : Great for multi-currency management, the Wise card offers free spending in currencies held in your multi-currency account, including euros, alongside low currency conversion fees and two free monthly ATM withdrawals. 

Revolut debit card : Offers a range of account options, some with no fees, with physical and virtual card options. All account plans allow you to hold and exchange EUR and feature some no-fee euro currency conversion. However, there are fees for currency conversion outside of these limits. 

Bluebird AmEX Prepaid : While the card doesn’t support holding euros, it’s useful for US travelers in Europe thanks to no foreign transaction fees on USD balances. You can order the card for free online, but it comes with an annual fee.

Capital One Venture Rewards : Offers no foreign transaction fees on euro purchases and a low cash advance fee when taking cash out of European ATMs. You can also earn travel rewards on spending and get extras like free travel insurance, but it comes with an annual fee.

4 best Euro currency cards in the US: A comparison

The good news is that there’s a pretty wide choice of Euro cards you can get from the US. Let’s look at our top 4 picks so you can decide which is right for you. We’ll cover 2 Euro debit cards as Wise and Revolut as well as 2 prepaid Euro cards from BlueBird AmEx and Capital One. First, a quick overview:

2 great Euro debit cards

Open your Wise account online or in-app, to hold and exchange 40+ currencies . Order your Wise card for a low one time fee, and top up for free in USD.

Then convert to EUR using the mid-market rate and low, transparent fees for simple spending when you travel. You can get local account details for Euro  and a selection of other currencies to get paid like a local with Wise account , and you can also send payments to 160+ countries with Wise money transfer , and spend with Wise card in over 150 countries.

Get Wise card

Read our Wise card review or Wise Euro Account review to learn more.

Revolut card

You can open a Revolut account or choose to upgrade to an account with more features, for a monthly fee of up to 16.99 USD. All accounts come with the option to hold and exchange EUR, and linked physical and virtual cards for easy spending.

Depending on the account you hold you can get some no-fee currency conversion, too, with relatively low fees once your plan allowance is exhausted – 0.5% in most cases. A couple of other charges might apply, including an out of hours conversion fee of 1% which you’ll want to watch out for.

Go to Revolut

2 great prepaid Euro cards

As for prepaid Euro card options, Bluebird AmEx and Capital One Venture Rewards cards:

Bluebird American Express prepaid debit card

You can order a Bluebird prepaid debit card for free online. You’ll then be able to top up in cash or from a bank account. You can also add checks or have funds deposited by others – fees apply for some top up methods. While this card doesn’t allow you to hold foreign currencies, you won’t pay a foreign transaction fee to spend your USD balance abroad, which makes it a good choice when you’re in Europe.

Capital One Venture Rewards

The Capital One Venture Rewards card has no foreign transaction fees when you spend overseas. There’s also a comparatively low cash advance fee when you use an ATM, at 5 USD or 5% whichever is higher. You’ll need to repay your bill in full every month to avoid fees and interest, but can earn travel rewards and miles on your day to day spending.

What is a euro card?

A Euro currency card is a card that can be used conveniently for spending and withdrawals in euros. These cards are also called multi-currency cards and they usually come with other currencies available too. You’ll be able to top up your account in USD or the currency of your choice based on the specific provider’s options, and convert to euros before you travel. That means you can plan your budget in advance, and lock in exchange rates before spending.

How do Euro travel cards work? 🇪🇺

When you get a Euro card from digital platforms like Wise and Revolut , they’ll usually be linked to a foreign currency account like a euro account , letting you hold and manage multiple currencies, including euros. These cards allow you to spend euros abroad while traveling to Eurozone countries easily and often provide competitive exchange rates alongside reduced fees to everyday bank cards, making them a popular choice for travelers.

Benefits of Euro currency cards

Getting a Euro currency card is a great bet if you’re headed to any of the 20 European countries which use the euro .

It can make it safer for spending while you’re away as you won’t need to carry a lot of cash – and your travel money account isn’t linked to your regular bank account so even if you were unlucky enough to have your card stolen, the thieves won’t have access to your main bank account.

Using a euro card while you’re away can also cut the costs of currency conversion, and allow you to get a better exchange rate. You’ll be able to add money in USD and switch to euros when you spot a good rate – and some card providers also offer better rates compared to the banks, as well.

Is there a euro debit card?

Yes, euro debit cards like the Wise and Revolut debit cards are widely available for US residents. These cards are designed to make spending in euros more convenient, especially for travelers going to the Eurozone. 

Users can add money to their card in USD and convert it into euros either before or during their trip as needed for extra flexibility. Euro debit cards can also help manage travel expenses more efficiently, ensuring travelers always have easy access to finds in the local currency. 

Is it better to take euros in cash or use a debit card in Europe?

Taking cash in euros or using a debit card when on your European travels will largely depend on what you personally find more convenient. While cash guarantees you can pay everywhere, especially in smaller establishments or rural areas, carrying large amounts of money can be risky. It also doesn’t leave a spending trail, meaning you can’t go back and check what you spent your money on or manage your finances as easily. 

A debit card is a secure and convenient way of managing your money abroad, allowing you to easily track your expenses on the mobile app, and offers security features like card freezing or replacement options in case of theft or loss. You also have the added convenience of contactless payments and paying with your phone with Google and Apple Pay for extra convenience. 

Is it better to pay with euros or dollars on a card?

It’s usually always cheaper to pay in the local EU currency for countries that use the euro when you’re abroad in Europe. While you can pay in US dollars using your US card, you’ll have to pay currency conversion fees, which could be high. Plus, exchange rates on your US card may not be great.  That’s because your US card is linked to dollars, so they’ll need to be converted into euros. When you do this, your card’s network will apply their exchange rate, which might not always be the best one.

That’s why, to save money, you should make all your purchases in the local currency. Plus, travel money cards for Euro offer great advantages to keep the costs down. Luckily, Wise offers a convenient alternative, allowing you to hold and exchange over 40 currencies with the Wise card . Top up easily in US dollars and convert to euros using the mid-market exchange rate alongside low, transparent fees for low-cost spending across the continent.

Where can I use a Euro card?

A currency card allows you to pay in the local currency when you travel, without incurring extra costs. A EUR card is perfect if you’re headed off to any of the 20 countries which use euros, as you can top up in USD and buy Euros in advance so you know your budget in the local currency. Some cards also offer the option to convert at the point of payment, which means you don’t need to worry about getting set up in advance.

• Wise debit card : Can be used globally, including in all Eurozone countries and supports spending and cash withdrawals in over 150 countries. 
• Revolut debit card: Designed for international use, you can make payments with your Revolut card in all European countries that accept Mastercard or Visa.
• Bluebird AmEx prepaid card: Good for global use, the card uses the Visa network and can be used anywhere where AmEx cards are accepted.

Capital One Venture Rewards card: Also on the Visa network, this card can be used anywhere Europe where Visa cards are accepted.

EUR card in the US

All of the EUR cards we have profiled above can be used in the US too – but you might find that fees apply. If you don’t hold an USD balance in your account and you use your EUR card here at home, for example, you might pay a conversion fee to switch back from euros to dollars.

Related: Best EUR account in the US

Costs of getting a Euro card in the US

Each provider will have their own fees for euro cards – which can vary pretty widely. With prepaid cards, it’s important to review the costs in detail before you pick a card as the charges applied may be quite different to using a regular debit card. You might find fees to top up, for example, and different charges for spending and withdrawing in different currencies. With credit cards, as you’d expect, there may be costs and interest charges if you don’t repay your bills in full every month.

Learn more about Wise fees here.

Euro card fees

Here’s an overview of the fees applied on the EUR cards we picked out earlier, to give you a bit of a picture. Other charges may also apply, so do check out the provider you’re choosing carefully.

What exchange rate will be used?

You’ll likely need to convert currencies at some point when you use your EUR card, so the exchange rate you get matters. If you top up in USD and convert to EUR, getting a bad rate will mean less to spend in the end. Different providers have their own approaches to calculating the exchange rate.

Wise exchange rate : Wise offers mid-market rates, and has a transparent fee which is split out, starting from 0.43%, for example.

Go to Wise  

Revolut account holders can all convert some funds no-fee, but the amount you can convert might be limited depending on your account tier. Once you’ve exhausted your allowance you’ll pay a fair usage fee of 0.5%, plus 1% out of hours costs if relevant. Other providers may take a different approach, adding a markup or foreign transaction fee when you convert or spend in a foreign currency.

Go to Revolut Bluebird AmEx : Cards like Bluebird often use American Express exchange rates when it comes to currency conversion. The card features no foreign transaction fees, but network rates will apply, usually 2.5% of the converted amount, of which American Express retains 1%. 

Capital One: Capital One doesn’t charge foreign transaction fees for purchases made in Europe and internationally, but Capital One network exchange rates may apply for currency conversions. 

Check out this page to find the best Euro exchange rates .

Best euro card in the US with no fees

When choosing a euro card in the US, it’s important to understand that they usually have varying fee structures. Some may have monthly fees, while others might charge for transactions, including ATM withdrawals. 

Wise debit card : The Wise card links to your multi-currency account and lets you hold and exchange over 40 currencies, including Euros, with no annual or monthly charges. Spend using the mid-market rate with no markups or sneaky fees and take out up to 100 USD in cash from European ATMs for free before paying low fees for additional withdrawals. Order a card in just five minutes and pay a one-time fee of 9 USD. 

Revolut debit card : Revolut offers various account tiers, including options with no monthly fees and a plan for 16.99 USD with more features. Each plan has a linked physical and virtual card that can hold and exchange in euros, with some no-fee currency conversion for easy spending. However, fees apply once you’ve used up your plan allowance, around 0.5%, as well as 1% out-of-hours conversion fees. 

Bluebird AmEx prepaid card: Bluebird AmEx prepaid cards can be ordered online for free and topped up in multiple ways with USD. There’s no foreign transaction fee for overseas spending, but it does have a $2.5 ATM withdrawal fee when using abroad. You’ll also need to check coverage before traveling, as American Express cards aren’t always accepted internationally.  Capital One Venture Rewards card: With no foreign transaction fees and a low cash advance fee of 5 USD or 5% (whichever is higher) when using an ATM, this card is a convenient option for international travel. It has a 95 USD annual fee and variable interest rates that apply if you don’t pay off your bill in full every month, but it offers travel rewards on spending and extras like lounge access and free travel insurance.

Can I use my US debit card in Europe?

Debit cards from most US banks and major card networks will work in Europe, meaning you can use your US debit to make purchases and take cash out from European ATMs. However, you should be aware that you may not get the best exchange rates, and, depending on your bank and card, there might be some considerable foreign transaction fees, usually ranging from 1% to 3% of the transaction, as well as international ATM fees. Always check with your bank for specific fees and inform them about your travel plans to avoid any issues when using your card abroad.  

How to get a Euro card in the US

All the providers we’ve looked at above allow you to order an EUR card online or through an app. You’ll need to have a suitable form of ID to get your card – usually a passport or driving license, and you might be asked to provide your proof of address as well. Once you’ve ordered your card it’ll arrive in the mail shortly after.

Check out the EUR card order process for the provider you prefer, so you can prepare everything that’s needed.

Related: How to get a Wise card

Check out our other travel money guides from this series: 

• Best AUD cards
• Best Mexican Pesos cards
• Best GBP cards
• Best travel cards for Europe
• Best ways to take money to Europe

Conclusion: What is the best card to use for Euros?

EUR cards are extremely useful for travelers – and can also be handy for people who shop online with retailers based in Europe. Get your euro card in advance from the US, add USD and convert to euros so you’ve got your travel money sorted and can see and manage your budget easily.

Depending on the provider you pick you might also find you get better exchange rates and lower overall costs compared to using your standard bank card overseas. Options like Wise and Revolut offer easy ways to hold and convert dozens of currencies, to make travel cheaper and easier.

Get Wise card Get Revolut card

Best Euro cards FAQs

What are the benefits of using a euro travel money card.

Using a EUR card when you’re in any of the 20 euro countries can mean you get a better exchange rate and lower overall fees. You’ll also be able to manage your budget in euros easily.

Are Euro money cards available in the US?

Yes. You can get a card with low or no foreign transaction fees from a bank like Capital One, a network like Amex – or pick an online specialist provider like Wise or Revolut for a card and account that offers even more features.

How much does a Euro travel money card cost?

Most EUR cards have low or no initial fees, but you’ll need to look at the transaction costs that apply when you use your card. These costs include fees for topping up, ATM withdrawal charges and inactivity or closure fees.

Travel Money

• Clubcard Prices Clubcard Prices

Clubcard Prices are available for all currencies, just enter your Clubcard number on the next page. Full T&Cs below.

• Click & Collect Click & Collect

Collect for free from more than 350 Tesco stores with a Bureau de change.

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Free delivery on orders worth £500 or more.

Exchange rates may vary during the day and will vary whether buying in store, online or via phone.

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• Order online and choose to collect from over 500 Tesco store locations Order online and choose to collect from over 500 Tesco store locations
• Pick a collection day that works for you Pick a collection day that works for you
• Order euro or US Dollars Order Euros or US Dollars before 2pm and you can pick-up from most stores the next day

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Home delivery

• Order online by 2pm Mon-Thurs for next day delivery (excludes bank and public holidays), to most parts of the UK Order online by 2pm Mon-Thurs for next day delivery (excludes bank and public holidays), to most parts of the UK
• Free delivery for orders of £500 or more Free delivery for orders of £500 or more
• Secure delivery via Royal Mail Special Delivery Secure delivery via Royal Mail Special Delivery

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Buy in-store

• Buy your foreign currency instantly in our travel money bureaux in selected Tesco stores across the UK Buy your foreign currency instantly in our travel money bureaux in selected Tesco stores across the UK
• Turn unspent travel money back into Pounds with our Buy Back service Turn unspent travel money back into Pounds with our Buy Back service

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Best Travel Money Provider 2023/24

Now in it’s 26th year and voted for by the public, the Personal Finance Awards celebrate the best business and products in the UK personal finance market. We’re delighted that you voted us as Best Travel Money Provider 2023/24.

Additional Information

Ordering and collection.

You can pick a collection date when you're ordering your money. Order before 2pm and you can pick up Euros and US Dollars from most Tesco Travel Money bureaux the next day. Other currencies can take up to five days. Alternatively, you can order any currency for next weekday delivery to most of the selected customer service desks.

Please make sure you collect your money within four days of your chosen date. If you don't, your order will be returned and your purchase will be refunded, minus a £10 administration charge.

Will I be charged if I cancel my order?

Collection fees

Click and collect from stores with a Bureaux de change:

• Free for all orders

For non-bureaux stores with a click and collect function:

• £2.50 for orders of £100.00 - £499.99
• Free for orders of £500 or more

What to bring

For security, travel money will need to be picked up by the person who placed the order.

• a valid photo ID – either a passport, EU ID card, or full UK driving license (we do not accept provisional driving licenses)
• your order reference number
• the card you used to place the order (you’ll also need to know the card’s PIN)

Home Delivery

We can send your travel money directly to you via secure Royal Mail Special Delivery. You can even pick the delivery date that suits you best.

We also offer next-day home delivery on all currencies to most parts of the UK if ordered before 2pm Monday-Thursday.

Check the Royal Mail site to find out if your postcode is eligible for next day delivery

Delivery costs

£4.99 for orders of £100 - £499.99 Free for orders of £500 or more

• You’ll need to make sure there’s someone at home to sign for your delivery.
• Bank holidays and public holidays will affect delivery times.
• We are unable to cancel or amend home delivery orders after they have been placed.

Clubcard Prices

Clubcard Prices are available on the sell rate only for currencies in stock online, on your date of purchase. The Clubcard Price will be better than the standard rate advertised online on the date of purchase. When purchasing online you must enter a valid Clubcard number to obtain the Clubcard Price rate. Exchange rates may vary whether buying in store, online or by phone.

Clubcard Prices apply to foreign currency notes in stock on your date of online purchase. Due to constant market and currency fluctuations, rates on the date of purchase cannot be compared to another day’s rates. The actual rate you receive may vary depending on market fluctuations. Clubcard data is captured by Travelex on behalf of Tesco Bank.

Check out the Tesco Bank privacy policy to find out more.

Buying foreign currency using a credit or debit card

No matter how you purchase your travel money, whether it be in store, online or over the phone, you will not be charged any card handling fee by us. However, regardless of your card type, your card provider may apply fees, e.g. cash advance fees or other fees, so please check with them before you purchase your travel money.

Click & Collect cancellations

You can cancel a Click & Collect order any time prior to collection. We'll refund you with the full Sterling amount that you paid for your order, unless you cancel less than 24 hours before your collection date, in which case we'll charge a £10 late cancellation fee.

We are unable to refund any fees charged by your card issuer, so please contact them if you have any further queries.

When you get home, we'll buy your travel money back

Let us turn your unspent holiday money into Pounds. It couldn't be simpler.

Just pop into one of our in-store Travel Money Bureaux when you get home. We buy back all the currencies we sell in most banknote values and also the Multi-currency Cash Passport™. Buy back rates may vary during the day.

It doesn't matter where you bought your travel money, even if it wasn't from a Tesco Travel Money Bureau, we'll still buy it back.

More about currency buy back

How our Price Match works

If you find a better exchange rate advertised by another provider within three miles of your chosen Tesco Travel Money Bureau, on the same day, we'll match it.

Price Match only applies in store on a like-for-like basis on sell transactions and does not apply to any exchange rate advertised online or by phone. This is not available in conjunction with any other offer. We reserve the right to verify the rate you have found and the three mile distance (using an appropriate route planning tool).

See full terms and conditions below.

Tesco Travel Money is provided by Travelex

Tesco Travel Money ordered in store is provided by Travelex Agency Services Limited. Registered No. 04621879. Tesco Travel Money ordered online or by telephone is provided by Travelex Currency Services Limited. Registered No. 03797356. Registered Office for both companies: Worldwide House, Thorpewood, Peterborough, PE3 6SB.

Multi-currency Cash Passport is issued by PrePay Technologies Limited pursuant to license by Mastercard® International. PrePay Technologies Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (FRN: 900010) for the issuing of electronic money and payment instruments. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

How much travel money will I need?

Whether it’s a burger in Brisbane or a taxi in Toronto, get a feel for how far your travel money might go with our foreign currency guides. We’ll help you manage your travel budget like a pro.

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A beginner's guide to travel credit cards

Key takeaways

• Travel reward programs allow you to earn points or miles when you make purchases with certain credit cards.
• Once you hit a specific spending threshold, points can be redeemed for flights, hotel stays, and other travel-related perks.
• The point-to-dollar exchange rate varies widely with each program and could add up to big savings, but program fees could offset the benefits in some cases.
• Rewards cards that aren't tied to a specific company often let you transfer points to a participating travel partner like a hotel or airline.

Using credit to book travel can unlock cheaper, even free ways to see the world if you play your cards right. Travel credit cards also may offer airport lounge access or rewards you can redeem for travel-related perks like hotel or flight upgrades. There's a reason why 41% of Americans already use a travel rewards credit card, according to a 2023 NerdWallet survey. 1 But choosing one can be daunting. Here's how travel rewards work and how to navigate the options.

Feed your brain. Fund your future.

How do travel rewards work?

Travel reward programs function on a simple premise: You earn points or miles by spending on a designated credit card. Depending on the specific card, transactions such as booking flights or hotel stays through partner companies can earn you these points. Some cards even offer points on everyday purchases, like groceries or gas, or for every dollar spent. You could even earn bonus incentives by signing up (these are called introductory offers) or by passing a spending threshold on certain types of purchases.

Once you've accumulated enough points, you can then spend them on benefits within your travel rewards programs, such as flights, hotel stays, upgrades, and more, depending on the program. And these points can add up to some serious savings. Although it's tricky to assign a specific dollar value to points (more on that later), a 2023 survey found that the average travel card holder had a balance of over 50,000 points. 2

If these rewards would act as a coupon for your current spending habits, a travel rewards credit card could be a good financial move if you'd save more than the annual fees and pay off your balance each month. But if one of these credit cards would encourage you to spend more than you would without it, then a travel rewards program may end up costing you more money than it saves.

Travel rewards and credit card features to consider

Every travel rewards program is unique, but here are some common features to consider when trying to score travel rewards with a credit card.

Annual fees

An annual fee is the cost of owning a travel rewards credit card and reaping the benefits that come with it. Not all travel rewards credit cards have annual fees, but those that do can range from less than $50 to more than $500. 3 While these fees may sound like a drawback, they often correlate with enhanced benefits and rewards potentially including lucrative sign-up bonuses, complimentary travel insurance, and airport lounge access, to name a few.

Before committing to a card with an annual fee, it's important to do a cost-benefit analysis first. Weigh the value of the benefits against the annual fee and decide whether the card would save you money, based on your spending habits and travel aspirations. Also, keep an eye out for waived annual fees in the intro period enabling you to test-drive the card's features without an immediate financial commitment. An introductory bonus offer may cover a card's annual fee for one year, for example, which could be a good trial run to see if the card's perks are worth it.

Initial spend/sign-up bonuses

Sign-up bonuses are an incentive to join a credit card travel rewards program. These bonuses typically come in the form of points or miles awarded to your account—commonly in bulk, at one time—after meeting a minimum spending requirement in a specific timeframe. It gives you a head start on accumulating rewards and can help justify an annual fee (if there is one). Like many promotions, rewards for new cardholders can change at any time, so keep in mind that an offer you see today could be different tomorrow.

And while the allure of a boatload of points may seem irresistible, read the fine print so you know up front whether the required spending aligns with your budget and financial habits. Ultimately, sign-up bonuses (and travel rewards in general) are designed to encourage you to spend more on a given card. This gamification of spending may seem exciting, but it can also foster bad financial habits if you aren't careful. A good guideline to help keep spending in check is to never put more on a credit card than what you can pay off when the bill comes. If the card offers a reward for signing up, consider the long-term value beyond that initial bonus.

Cash-conversion rate for points

Once you've narrowed down your travel rewards program options, get a rough estimate of the cash conversion rate for points or miles. Some programs allow you to directly convert your points to cash and pay down your credit card bill, in which case, the point-to-dollar ratio shouldn't be too hard to figure out. But many don't, only allowing you to spend those points or miles to book travel.

The value of your points or their redemption value aren't always a one-for-one exchange. Online calculators are one way to check whether a specific rewards deal is a good one.

Although it varies from card to card, points may have more lucrative redemption values for some rewards over others. For instance, booking travel through the card issuer's portal might mean 100,000 points gets you a $100 flight—but booking that same flight on another platform might cost 150,000 points. If this sounds confusing that's because it is, and each program has its own incredibly nuanced points exchange program. Online communities for travel rewards points could be another resource for decoding the points value for your specific program and getting info about how other travelers have used their points.

Foreign transaction fees

A foreign transaction fee is an extra charge added to transactions that aren't in US dollars. This includes charges on the ground in another country and purchases online from retailers that work in different currencies. Although these fees vary from card to card, they usually range from 1% to 3% of the transaction. 4

If all your travel is domestic or in countries that use US dollars, you won't have to worry about these fees. But if you plan to travel internationally, you might want to look for a card that waives foreign transaction fees. This will ensure that you're not charged extra for that croissant in Paris or for those souvenirs in Tokyo.

General travel vs. specific travel company rewards

Some travel rewards programs are tied to a specific airline or hotel, while others reward you for spending no matter who you book with. If you always book with a specific airline, stay at one brand of hotel, or use a specific rental car company, you could get more value for your points—or earn more points—if you use that company's travel rewards credit card.

Transfer point programs

Many general travel rewards credit cards let you transfer their points to loyalty programs at different hotels and airlines, which you can then redeem for hotel stays and flights. These exchange programs tend to have a higher redemption value than programs offering cash back and, by most estimates, are the best way to maximize the benefits of a travel rewards credit card. Keep in mind that credit card companies have different exchange rates for each hotel and airline partner, so you'll have to determine on a case-by-case basis whether an exchange program is worthwhile for your specific card.

Airport perks

Airport lounge access is a popular perk for travel rewards credit card holders, especially those who travel often. Some programs will also cover the cost of programs that make getting through airport security easier. Consider the annual fees associated with each card and whether these perks would cost less if you paid for them with cash—and without paying for the card.

Consider general cash-back cards

Making the most of a travel rewards program can be a lot of work. Not to mention, travel rewards points can't always be easily redeemed unless you plan to travel. If you're looking for a less fussy and more liquid way to earn rewards for your credit card spending, consider a general cash-back card. Typically, these credit cards give you a percentage of your total spending back in cash without having to calculate exchange rates or redemption values.

One to consider: the Fidelity® Rewards Visa Signature® Credit Card, which can earn you unlimited 2% cash back on everyday spending. 5 That cash back can be deposited into any eligible Fidelity account, 6 giving your money more chances to grow.

Spend and earn at the same time

Spending on your Fidelity ® Rewards Visa Signature ® Card can put money in your Fidelity account.

More to explore

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Oh, hello again, thanks for subscribing to looking for more ideas and insights you might like these too:, looking for more ideas and insights you might like these too:, fidelity viewpoints ® timely news and insights from our pros on markets, investing, and personal finance. (debug tcm:2 ... decode crypto clarity on crypto every month. build your knowledge with education for all levels. fidelity smart money ℠ what the news means for your money, plus tips to help you spend, save, and invest. active investor our most advanced investment insights, strategies, and tools. insights from fidelity wealth management ℠ timely news, events, and wealth strategies from top fidelity thought leaders. women talk money real talk and helpful tips about money, investing, and careers. educational webinars and events free financial education from fidelity and other leading industry professionals. fidelity viewpoints ® timely news and insights from our pros on markets, investing, and personal finance. (debug tcm:2 ... decode crypto clarity on crypto every month. build your knowledge with education for all levels. fidelity smart money ℠ what the news means for your money, plus tips to help you spend, save, and invest. active investor our most advanced investment insights, strategies, and tools. insights from fidelity wealth management ℠ timely news, events, and wealth strategies from top fidelity thought leaders. women talk money real talk and helpful tips about money, investing, and careers. educational webinars and events free financial education from fidelity and other leading industry professionals. done add subscriptions no, thanks. 1. erin el issa, "how the 41% of americans with a travel credit card can boost rewards," nerdwallet, march 28, 2023. 2. erin el issa, "how the 41% of americans with a travel credit card can boost rewards." 3. beverly harzog, "best travel rewards credit cards of 2024," u.s. news and world report, april 9, 2024. 4. lyle daly, "what happens if a credit card's sign-up bonus increases after you get the card," the accent: motely fool, november 14, 2024 5. you will earn 2 points per dollar in eligible net purchases (net purchases are purchases minus credits and returns) that you charge. account must be open and in good standing to earn and redeem rewards and benefits. upon approval, refer to your program rules for additional information. subject to applicable law, you may not redeem reward points, and you will immediately lose all of your reward points, if your account is closed to future transactions (including, but not limited to, due to program misuse, failure to pay, bankruptcy, or death). reward points will not expire as long as your account remains open. certain transactions are not eligible for reward points, including advances (as defined in the agreement, including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and atm disbursements), convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, u.s. mint purchases, or transactions to purchase cash convertible items. the 2% cash back rewards value applies only to points redeemed for a deposit into an eligible fidelity ® account. the redemption value is different if you choose to redeem your points for other rewards such as travel options, merchandise, gift cards, and/or statement credit. other restrictions apply. full details appear in the program rules new card customers receive with their card. establishment or ownership of a fidelity ®  account or other relationship with fidelity investments ®  is not required to obtain a card or to be eligible to use points to obtain any rewards offered under the program other than fidelity rewards. 6. eligible accounts include most nonretirement registrations as well as traditional ira, roth ira, rollover ira, sep ira, fidelity charitable ® giving account ® , fidelity hsa ® , and fidelity ® -managed 529 college savings plan accounts. the ability to contribute to an ira or 529 college savings plan account is subject to irs rules and specific program policies, including those on eligibility and annual and maximum contribution limits. full details appear in the program guidelines new card customers receive with their card. contributions to fidelity charitable ® are generally eligible for a federal income tax charitable deduction. please consult with your tax advisor. the list of eligible registration types may change without notice at fidelity’s sole discretion. for more information about whether a particular registration is eligible, please call 1-800-fidelity (800-343-3548). the third parties mentioned herein and fidelity investments are independent entities and are not legally affiliated. the views expressed are as of the date indicated and may change based on market or other conditions. unless otherwise noted, the opinions provided are those of the speaker or author, as applicable, and not necessarily those of fidelity investments. the third-party contributors are not employed by fidelity but are compensated for their services. the fidelity investments and pyramid design logo is a registered service mark of fmr llc. the third-party trademarks and service marks appearing herein are the property of their respective owners. fidelity brokerage services llc, member nyse, sipc , 900 salem street, smithfield, ri 02917 © 2024 fmr llc. all rights reserved. 1141513.1.0 mutual funds etfs fixed income bonds cds options active trader pro investor centers stocks online trading annuities life insurance & long term care small business retirement plans 529 plans iras retirement products retirement planning charitable giving fidsafe , (opens in a new window) finra's brokercheck , (opens in a new window) health savings account stay connected.

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My Travel Money

Travel investment tips, from concrete jungles to natural wonders: day trips from seattle.

Seattle, known as the emerald city, is nestled between the Cascade Mountains and the Puget Sound. Renowned for its vibrant urban culture, world-class cuisine, and innovative technology scene, Seattle also stands out for its proximity to breathtaking natural wonders. Amidst the city’s hustle and bustle, Seattle concrete companies thrive, contributing to the city’s infrastructure and architectural marvels. However, beyond the concrete jungles, lies a world of unparalleled beauty waiting to be explored. Within just a few hours’ drive, visitors can escape the urban landscape and immerse themselves in the natural wonders of the Pacific Northwest. Let’s embark on a journey to discover some of the most enchanting day trips from Seattle, offering a perfect blend of outdoor adventure and scenic tranquility.

Snoqualmie Falls: A Cascade of Beauty

Just a short 30-minute drive east of Seattle lies Snoqualmie Falls, a majestic waterfall cascading dramatically over 268 feet into a pool below. Surrounded by lush forests, this iconic natural wonder offers spectacular views year-round. Visitors can stroll along well-maintained trails leading to various viewpoints, capturing the mesmerizing beauty of the falls from different angles. During the spring months, when the snowmelt swells the Snoqualmie River, the falls roar with immense power, creating a truly awe-inspiring sight.

Olympic National Park: Wilderness Beyond Imagination

Venture west from Seattle, and within a few hours, you’ll find yourself in Olympic National Park, a UNESCO World Heritage Site renowned for its diverse ecosystems and pristine wilderness. From snow-capped mountains to temperate rainforests and rugged coastline, this park offers endless opportunities for exploration. Hike through ancient forests adorned with moss-draped trees, marvel at the panoramic vistas from Hurricane Ridge, or relax on the serene shores of Lake Crescent. With its unparalleled natural beauty, Olympic National Park is a haven for outdoor enthusiasts and nature lovers alike.

San Juan Islands: A Coastal Paradise

Embark on a ferry journey from downtown Seattle, and within a few hours, you’ll arrive at the enchanting San Juan Islands, an archipelago dotted with picturesque harbors, serene beaches, and abundant wildlife. Explore the charming town of Friday Harbor, where art galleries and quaint cafes line the streets, or embark on a kayaking adventure to encounter orcas, seals, and bald eagles in their natural habitat. With its tranquil ambiance and breathtaking vistas, the San Juan Islands offer a blissful escape from the hustle and bustle of city life.

Mount Rainier National Park: Majesty in the Cascades

Standing tall as the iconic centerpiece of the Pacific Northwest, Mount Rainier beckons adventurers from near and far with its towering peak and pristine alpine landscapes. Just a short drive from Seattle, Mount Rainier National Park offers a myriad of recreational activities, from scenic drives and hiking trails to snowshoeing and skiing in the winter months. Marvel at the wildflower meadows ablaze with color during the summer, or witness the majestic glaciers gleaming in the sunlight year-round. Whether you’re seeking exhilarating outdoor adventures or peaceful moments of reflection, Mount Rainier never fails to inspire awe.

Whidbey Island: Serenity by the Sea

Escape the hustle and bustle of the mainland and retreat to the tranquil shores of Whidbey Island, a gem nestled in the Puget Sound. Accessible via a scenic drive or a short ferry ride from Mukilteo, Whidbey Island captivates visitors with its idyllic coastal landscapes and charming communities. Explore the historic town of Coupeville, known for its quaint shops and delectable seafood, or wander along the pristine beaches of Ebey’s Landing, where panoramic views of the Olympic Mountains await. Whether you’re birdwatching, beachcombing, or simply savoring the serenity of island life, Whidbey Island offers a rejuvenating escape from the urban grind.

In conclusion, Seattle’s proximity to breathtaking natural wonders makes it an ideal destination for those seeking to escape the confines of city life and reconnect with the great outdoors. Whether you’re chasing waterfalls, exploring ancient forests, or soaking in coastal vistas, these day trips from Seattle offer a perfect blend of adventure and tranquility. So pack your bags, hit the road, and embark on an unforgettable journey from concrete jungles to natural wonders.

Cultivating a Green Thumb and a Golden Portfolio: Eco-Friendly Travel Investments Inspired by San Antonio’s Tree Experts

In the heart of Texas, San Antonio’s tree service professionals have long understood the intrinsic value of nurturing nature. As stewards of the urban forest, they ensure that the city’s green spaces not only flourish but also significantly contribute to the well-being of the community. This ethos of care and growth presents a unique perspective on investment, particularly within the travel industry. Let’s explore how the principles guiding San Antonio’s tree experts (to know more, visit – https://sanantoniotreeservices.net/ ) can inspire eco-friendly travel investments.

Rooted in Sustainability: The San Antonio Approach

Learning from tree services.

San Antonio’s tree experts are masters of sustainable growth. They cultivate trees that are suitable for the local climate, require minimal resources, and provide maximum benefits. This approach is directly applicable to eco-friendly travel investments. Just as a tree expert selects the right tree for the right place, an investor should choose travel ventures that align with the environmental ethos of sustainability.

Long-Term Growth Strategies

Trees are long-term investments in nature—they take time to mature and yield benefits. Similarly, eco-friendly travel investments should be approached with a long-term perspective. San Antonio’s tree services can teach investors the importance of patience, regular care, and strategic planning, all of which are crucial for seeing a travel investment mature into a profitable and environmentally positive venture.

Branching Out: Diversifying Your Investment Portfolio

Variety is the key.

In forestry, a diverse ecosystem is a healthy one. San Antonio’s arborists create a tapestry of varied species to ensure resilience. In travel investments, diversity can help spread risk and increase the chances of overall success. Investors can look at various eco-friendly travel opportunities—from eco-lodges to sustainable tour operations—to build a portfolio as robust as a well-maintained forest.

Local Adaptation

Just as trees are selected for their adaptability to the San Antonio climate, travel investments must be chosen for their suitability to the local environment and culture. This could mean investing in local ecotourism initiatives that support conservation efforts or in businesses that prioritize the preservation of natural landscapes and resources.

Pruning the Excess: Responsible Investment Choices

The art of pruning.

Tree experts in San Antonio often speak of the importance of pruning—removing the unnecessary to allow healthy growth. This concept can be applied to travel investment by cutting out ventures that are not eco-friendly or do not promise sustainable returns, focusing instead on those that demonstrate responsible environmental practices.

Investing in Green Technology

Investments in green technology within the travel sector, such as renewable energy sources for resorts or electric transportation for tours, reflect the San Antonio tree expert’s approach to employing the right tools for nurturing growth while maintaining environmental integrity.

Yielding Returns: The Fruits of Eco-Investment

Measuring success.

San Antonio’s tree services measure their success through the health and longevity of their trees. Eco-friendly travel investments should be measured by their environmental impact, community benefits, and financial returns. The ‘triple bottom line’ approach ensures that investments are not just profitable but also contribute positively to the destinations where they operate.

Community Engagement

San Antonio’s tree experts know the importance of community involvement for sustainable care. Likewise, successful travel investments engage local communities, providing jobs, respecting local culture, and ensuring that tourism has a positive presence.

Conclusion: Planting Seeds for the Future

The lessons from San Antonio’s tree services provide a blueprint for eco-friendly travel investments. By focusing on sustainability, diversity, local adaptation, responsible choices, and community engagement, investors can cultivate a portfolio that grows and contributes to a greener future. Just as San Antonio’s urban forest thrives through careful stewardship, so too can our travel investments flourish, offering returns that extend beyond the financial to the environmental and social realms. Let’s plant the seeds today for a lush, thriving tomorrow in the travel industry.

Investing in Your Future Adventures: How Gold IRAs Can Fund Your Travel Dreams

Are you tired of the daily grind? Do you want to explore the world and embark on new adventures? If so, it’s time to start thinking about how you can fund your travel dreams. Sure, you could save up for years and cut back on expenses, but what if there was a better way? Enter Gold IRAs – a unique investment opportunity that can help you achieve your financial goals and fund your travel dreams. But don’t just take our word for it. Read Goldco and other gold IRA reviews in networthdirect.com to learn more about the potential benefits of this investment strategy.

Diversify Your Portfolio and Fund Your Travel Dreams

Investing in a Gold IRA is a smart way to diversify your investment portfolio and protect your wealth. While traditional investments like stocks and bonds are subject to market fluctuations and inflation, gold has maintained its value over time. In fact, gold has been a valuable commodity for thousands of years and is still highly sought after today.

By investing in a Gold IRA, you can potentially protect your wealth from market fluctuations and inflation. This means that even if the stock market crashes or the value of the dollar decreases, your Gold IRA could still hold its value. And with the potential for significant returns on your investment, you could use those funds to fund your travel dreams and explore the world.

Maximize Your Returns and Enjoy the Rewards

Investing in a Gold IRA isn’t just about protecting your wealth, it’s also about maximizing your returns. Gold has the potential for significant returns on investment, which means that you could potentially earn more money than you would with traditional investments like stocks and bonds.

And with those potential returns, you could fund your travel dreams and enjoy the rewards of your investment. Imagine exploring the beaches of Bali, hiking in the mountains of New Zealand, or experiencing the culture of Japan. With the potential returns from a Gold IRA, these adventures could be within your reach.

Invest in Your Future Adventures Today

If you’re ready to fund your travel dreams and explore the world, it’s time to consider investing in a Gold IRA. With the potential for significant returns on your investment and the ability to protect your wealth from market fluctuations and inflation, a Gold IRA is a smart investment strategy for anyone looking to diversify their portfolio and achieve their financial goals.

And with the ability to fund your travel dreams and explore the world, a Gold IRA could be the key to unlocking a whole new world of adventure and opportunity. So why wait? Start investing in your future adventures today and discover all the amazing experiences that the world has to offer.

If you’re someone who dreams of traveling the world and embarking on new adventures, investing in a Gold IRA could be the key to funding those dreams. By diversifying your investment portfolio and potentially maximizing your returns, a Gold IRA can help you achieve your financial goals and explore the world with confidence.

But don’t just take our word for it. Read Goldco and other gold IRA reviews in networthdirect.com to learn more about the potential benefits of this investment strategy and how it can help you achieve your travel dreams.

So start investing in your future adventures today and discover all the amazing experiences that the world has to offer. With the potential for significant returns on your investment and the ability to protect your wealth from market fluctuations and inflation, a Gold IRA is a smart investment choice for anyone looking to diversify their portfolio and achieve their financial goals.

Exploring the World through Trees: How Tree Service Companies are Connecting Travel and Nature

Trees are an essential part of our ecosystem, and they provide us with numerous benefits. However, sometimes they can pose a danger to people and property. That is where tree removal services come in. While the idea of removing trees may seem counterintuitive to nature lovers, tree removal services actually play a vital role in preserving our environment. In fact, they are even connecting travel and nature in exciting new ways. Visit treeserviceoferiepa.com to learn more about how tree removal services are making travel more exciting.

The Environmental Benefits of Tree Removal Services

Tree removal services are not just about cutting down trees; they are also about preserving the environment. By removing diseased or damaged trees, tree removal services help prevent the spread of disease and pests that can harm other trees in the area. Additionally, they help to mitigate the risk of fallen trees causing damage to nearby homes, cars, or people. In this way, tree removal services are helping to preserve the environment and keep communities safe.

Tree Removal Services: Providing Unique Travel Experiences

But how exactly are tree removal services connecting travel and nature? Well, it turns out that tree removal services offer unique opportunities for travelers to experience the natural world. For example, some tree removal services specialize in removing trees from remote and hard-to-reach locations. This means that they can provide access to areas that are off the beaten path and not typically accessible to tourists. In this way, tree removal services are helping adventurous travelers to explore the world in new and exciting ways.

Sustainability: A Focus of Tree Removal Services

Another way that tree removal services are connecting travel and nature is through their focus on sustainability. Many tree removal services are committed to recycling and repurposing the wood from the trees they remove. This means that the wood can be used for a variety of purposes, including building materials, furniture, and even art. By repurposing the wood from the trees they remove, tree removal services are promoting sustainability and reducing waste. In this way, they are helping to preserve the environment for future generations of travelers to enjoy.

Tree Removal Services as Environmental Educators

In addition to their focus on sustainability, many tree removal services also work to promote environmental education. They may offer tours or classes that teach visitors about the importance of trees and the role they play in our ecosystem. These educational opportunities can be a great way for travelers to learn about the natural world and gain a deeper appreciation for the environment.

Eco-Tourism and Tree Removal Services: A Sustainable Connection

Perhaps the most exciting way that tree removal services are connecting travel and nature is through their focus on eco-tourism. Eco-tourism is a type of travel that focuses on sustainable and responsible travel practices that minimize the impact on the environment. Many tree removal services are embracing eco-tourism and offering tours and experiences that are designed to promote sustainable travel. These tours may take visitors to areas that are off the beaten path or offer unique opportunities to experience the natural world. For example, some tree removal services may offer tree-climbing tours that allow visitors to get up close and personal with the trees they are removing.

While the idea of tree removal may seem counterintuitive to nature lovers, it is actually an essential part of preserving our environment. Tree removal services are not just about cutting down trees; they are also about preserving the environment and keeping communities safe. Additionally, tree removal services are connecting travel and nature in exciting new ways, through their focus on sustainability, environmental education, and eco-tourism. By visiting treeserviceoferiepa.com, you can learn more about how tree removal services are making travel more exciting and promoting a deeper connection to the natural world. So, why not explore the world through trees? With tree removal services, the possibilities are endless.

Travel Essential: A Perfect Smile for that Perfect Summer Getaway

Taking a vacation break doesn’t mean neglecting oral hygiene. During those hectic travel schedules and crazy itineraries, it’s easy to skip dental care and end up doing the bare minimum. While the idea of looking after our oral hygiene during travel sounds easy, there’s more to keep them healthy than just repetitive brushing and flossing.  Check out these handy dandy tips to make that smile as healthy as ever on your next bucket-list trip! 

Visit the dentist before you leave 

The last thing that we all want during our most-awaited trip is an emergency dental procedure. Who wants to have that swollen gums all throughout the most awaited time of the year? Definitely not me. That’s why booking an appointment with your dentist and scheduling it earlier to pave way for follow-up appointments is the best way to ensure that we are in tip-top shape before we hop on the plane. Visit Illinois Emergency Dentists to get that stellar smile from their state-of-the-art services available right at your fingertips. Easy, convenient, and hassle-free, never miss booking an appointment for that perfect smile for that perfect summer getaway! 

Must-bring-essentials for the perfect oral care 

Definitely, traveling can be fun but it sure has its own negative impact which can throw off our good routines. The long flights, hectic schedule, and unfamiliar surroundings mean you might neglect and skip dental care and end up with what they call “traveler’s breath”. Let’s not ruin our perfect getaway with that bad breath and protect our teeth by packing these must-bring-essentials for the perfect oral care: 

Water Bottle

Number 1 on the list is your water bottle. Always stay hydrated! The long-hour walks plus the hot, humid weather can really dry your mouth.  A dry mouth can increase the number of cavity-causing bacteria which may later lead to complications. If you drink a soda or other sugar-based drinks, make sure to drink water afterward. This will help rinse out the remaining sugars and acids in your mouth. 

Teeth-friendly snacks 

Admit it, we all love to do food hopping during our trips. Like, who doesn’t? We even love to munch and churn snacks during our flights even if it is just mere peanuts or other kinds of chips as long as our mouths get to do something from all the waiting. On top of high-calorie food, let’s be careful about what food to eat. Carry healthy and fibrous snacks that have natural abrasiveness as its component that can scrub teeth and help resist plaque build-up like for example, apple, broccoli, celery, and carrots. Being wary on what and what not to eat by being careful and diligent would definitely decrease any tooth-related problems, and that’s a fact. 

Second, do not starve yourself! Skipping meals and going long periods of time without food intake means a decrease in healthy saliva when you chew your food, and in turn, you find yourself with a dry, stale mouth (a good habitat for cavity-causing bacteria, yikes!) A rule of thumb: always keep healthy snacks handy for those gaps between meals. 

Sugarless chewing gum

Aside from chewing a piece of gum while aboard to combat airplane pressure, having some handy chewing gums while on trips is useful when stopping to brush our teeth after meals just aren’t practical. Chewing some sugar-free gums will freshen your breath and help clean your mouth until you can already brush your teeth. A pocket-size mouthwash would also do but chewing some gums along the road looks cool for that carefree and happy-go-lucky look. 

Your toothbrush 

When packing your toiletry bag, do not forget your oral health paraphernalia: toothbrush, floss, toothpaste, and mouthwash. Always make sure that you clean your toiletries and disinfect them well to avoid any bacteria accumulation. We don’t want any bacteria breeding on our toothbrushes as this may lead to oral health complications. Second, always keep your toothbrush clean and dry since keeping it wet allows for more bacterial growth. Third, keep a travel-sized toothbrush and toothpaste in your hand-carry luggage. Aside from it being handy, at least your oral care routine won’t be disrupted in case your luggage gets lost or delayed. And lastly, ensure that you clean your toothbrush as best and as often as you can while you are on your trip. 

Smiling can change the world 

Yes, really. A smile can really move mountains. Traveling is best equipped with the best smile one could ever have. Taking pictures on our trips with our genuine smiles would always bring good memories once we get home. Besides, smiling does more than lowering your stress levels. It’s a natural way to connect with others. One smile can really make a whole lot of difference. Happiness is contagious, never stop giving it for free!

No Funding for Chiropractic Services Will Cost Albertans in Many Ways

Chiropractic therapy is known as one of the most helpful and cost-effective therapies that are getting a huge response from the people. Like all other places of the world, the people of Alberta are also welcoming this therapy in both hands. The reason behind the same is that the citizens of Alberta are fetching more benefits by using this therapy rather than the conventional ways of medical treatment. Due to this positive response from the people of Alberta the state government of Alberta is used to fund the chiropractic projects and due to the same the chiropractor Edmonton can treat their patients at a very cheap cost. This was beneficial for both the chiropractors and the patients as the patients can get their treatment at a much cheaper cost and the professionals also get more patients and help of the government funding in order to introduce new technologies and systems in place. For detail information you can click on  company website .

When with the help of the government funding and a positive response from the people chiropractic practice is seeing a new direction, then suddenly government has announced no funding policy for the chiropractic services. The experts from the Alberta College and Association of Chiropractors spoke against this new government policy and also showed clear dissatisfaction against it too. According to them due to this funding, the people of Alberta used to get the chiropractic services at an affordable cost and not only that due to the funding the chiropractor Edmonton professionals also able to introduce new mechanisms and advanced instruments as well. But now due to the declaration, they will not be able to get any support from the government. Apart from that, the worst part is that now the Albertans has to shell more money in order to get chiropractic services.

If you have to go by the reports more than 10000 Albertans send letters to the health ministry and to the MLA department in support of the funding for the chiropractic services. But the government took their decision disregarding the public’s opinion. Officials from the Alberta College and Association of Chiropractors tried to get in touch with the health minister in order get a rational explanation behind this move but every time they failed to contact him.

The effects of this decision

Though the chiropractic services associated with the manual adjustment of the spine and other parts, but now due to catering more advanced services to the patients each and every chiropractor Edmonton uses various instruments. These instruments help them to diagnose the problems in a better way and thus accurate treatments can be rendered. But now due to this decision of the government the scenario will change drastically and the patients have to either pay more or have to be satisfied with the limited services. The reason is that the devices come with hefty price tags and without funding it is almost impossible to buy those machinery.  Thus now the chiropractor Edmonton practitioners now have to depend on basic treatment therapies and services that can be catered without the help of that latest equipment.

The Best Tip For Snowbird

When you own a pool, you realize that cleaning, substance adjusting, and other pool support can take a considerable measure of time from your occupied timetable. A good choice that has turned out to be progressively well known is contracting a pool administration in Phoenix to handle the majority of your pool’s cleaning and support for you. The unobtrusive expense of employing an expert to benefit your pool just about pays for itself in time you’ll save. A legitimately kept up pool can likewise spare you cash in light of the fact that it can last much longer before requiring repairs.

Fitting compound parity is essential to keeping up your pool. There are numerous sorts of chemicals utilized as a part of swimming pools, and each one of them ought to be adjusted legitimately. Despicable synthetic levels can transmit ailments, cause the development of green growth or mold, cloud the water, and chafe swimmers’ eyes and skin. Compound parity does not happen unintentionally. It requires information of fitting levels for each essential compound and routine testing to guarantee the right adjust.

A spotless pool is not just all the more speaking to utilize, it might likewise last more. Pool Service Phoenix AZ will incorporate skimming, brushing and vacuuming, discharging , and cleaning channels and wicker container. Skimming cleans trash from the water’s surface. This administration is critical and can make a pool unmistakably more clean, however it is just the initial phase in an exhaustive pool cleaning. Brushing the sides uproots development, thumping it to the floor where it can be vacuumed out utilizing suction from your pump. Discharging sends water from the pool in reverse through your channel and out a seepage hose. This expels up from your channel. Crate and channels should likewise be wiped out to keep them utilitarian and free of waste.

This support requires significant investment, and it is hard to keep up on without anyone else. Pool service Phoenix can go to your home at an advantageous time for you, giving routine upkeep and cleaning. With the consistent support your pool gets, it can be a more beneficial spot to unwind, and you may find that you have more spare cash, on the grounds that it will last more without the repairs that an unmaintained pool would require.

Traveling With A Super Bug

MRSA infections are among the most feared infections in the world. Medical professionals find it more difficult to figure out how to treat MRSA infections because most MRSA-infected persons develop some resistance to antibiotics. Therefore, it is very important for infected people to try their best to avoid re-infections, because re-infections can easily worsen the infected persons’ health statuses.

When an infected person is traveling to a place where there is a possibility of being re-infected or infecting others, he/she should invest in the following six items:

• sweatproof gloves
• personal bathing towels
• closed shoes
• bathing soaps
• soap dishes

These items help to prevent any contacts with fluids from infected persons. Usually, MRSA infections are spread when a person gets into contact with fluids from another infected person. The following tips will help people learn how to treat MRSA when they are traveling.

2. Carry personal bathing towel. MRSA infections are usually spread when infected people make skin contacts with uninfected people. The entry of fluids from the bodies of infected persons to the bodies of uninfected persons facilitate the spread of the infections. When you spend a night in a lodging, you should avoid using the bathing towels provided by the lodging since the towel might have been used by another person with a worse MRSA infection. You may end up re-infecting yourself if you use the towels provided by the lodging.

3. Wear closed shoes. Closed shoes minimize the possibility of making contacts with the fluids from infected persons. If you intend to visit patients in a hospital, you should wear closed shoes since any contact with the fluids from any MRSA-infected patient may cause a re-infection. Closed shoes are particularly important when you go for a short call in the hospital washrooms.

4. Carry plenty of bandages if you have some wounds on your hands or feet. If for any reason you must remove the bandage covering any wound(for example, if it becomes excessively wet), you must replace it with a new one. Exposure of naked wounds increases the probability of acquiring more serious MRSA infections.

Do not share bathing soaps and soap dishes. You should never share bathing soaps or soap dishes provided in lodgings. The soaps and soap dishes may retain some MRSA-infected fluids which would infect another person.

The sections above have explained some tips on how to treat MRSA while traveling, and what to invest in. The main point is to avoid re-infection and to avoid infecting others. You should never underestimate the importance of carrying the items mentioned above.

Important Currency Info For Travelers

Currency that the people control. No government involvement, no physical money. This is the wave of the future and will make a huge advantage for travelers. The ease on knowing that your money won’t get stolen?!! That is a great comfort. So we here at My Travel Money find it particularly important that you understand and learn exactly how to buy bitcoins so you yourself will have that comfort. So let’s talk about digital currency.

In the year 2009, Satoshi Nakamoto , a pseudonymous developer, introduced a peer-to-peer digital currency and payment network, which had public transaction log. These digital currencies and payment network is what is called bitcoin and is sometimes referred to as crypto-currency, mainly because it utilizes public-key cryptography. The introduction of bitcoin was marred by many hitches such the 2009 exploit that led to development of unlimited bitcoin.

Since their introduction, bitcoin has experienced rapid appreciation in value in relation to some of the world’s highly recognized digital currencies such as the American dollar, the British pound, and the euro. Precisely, in 2011 the value of bitcoin was equal to around $32 and $0.30. However, this value later fell to as low as $2.

Three years after introduction, which is in 2012, people learned how to buy bitcoins and it began to get attention from the media. Many articles and news items were then written about bitcoin. This rising popularity, would later in the year 2013 lead to the acceptance of this currency by some of the mainstream services like Foodler, Humble Bundle, Baidu and OkCupid. In the same year, bitcoin experienced the first legal intervention by law enforcement. The assets of Mt. Gox were seized. In addition, this lawful intervention also saw the shutdown of the Silk Road drugs marketplace, in the same year.

During the month of November 2013, there was a major take-over with Europe based Bitstamp and japan based Mt. Gox bitcoin being overtaken by BTC china to become the biggest bitcoin trading exchange through trade volume.

Towards the end of the year 2013, bitcoin received a major setback when the Chinese government banned its banks from using bitcoin in all their transactions within the borders of the country. However, the citizens had the free will of using the bitcoin in transactions in the country. This action led to a fall in the value of bitcoin in china as the new rules could not warrant the exchange of bitcoin for the country’s local currency.

Transactions with bitcoin are not like the normal currency transactions, as with bitcoin, there is actually no real exchange between the buyer and the seller that takes place. Instead, the buyer does what is known as blockchain, which is the requesting of an update to a given public transaction log. The blockchain shows what people currently own including what they owned in the past in terms of bitcoin and it is managed by a decentralized network system that ascertains and time-stamps payments by using a proof-of-work system. The people who manage this system are commonly known as ‘miner’ and they are paid with newly minted bitcoin and transaction fees.

Because of the close ties between bitcoin and fraud, bitcoin have had to be subjected to forensic scrutiny by many nations that accept their use within their borders. This process has led to divergent opinions regarding the usage of bitcoin by different states. For instance, The Federal Government of America is the only government that has taken positives in using bitcoin and allowed free usage of the currency by its citizens. However, other governments such as the Chinese government has barred its private banks from using bitcoin in all transactions and the European banking authority has cautioned that bitcoin is not worth transacting with as it lacks consumer protection.

Bitcoin can be used for payment of goods and services in the countries that accept it. The advantage of using it is that the transaction fees are relatively smaller than the high percentages around 2% and 3% that are imposed on processing a credit card. Some of the merchants accepting the use of bitcoin include; WordPress, OkCupid, Virgin Galastic and Reddit.

If you would like to learn more, which we suggest you do, visit http://howtomakemoneywithbitcoin.net/ . It’s the way of the future so go learn how to buy those bitcoins for yourself!

Invest In Supplements To Get Your Beach Body Back

Not only do you want a great body for a beach holiday, you probably also want more energy for touring around the Coliseum in Rome, or more stamina for climbing the steep stairs at Angkor Wat in Cambodia. Whatever your desire for weight loss stems from, we are going to look into one of the best weight loss supplements on the market right now – Forskolin. Check out some Forskolin reviews here and read on to learn why it’s the most popular product out there.

Asia is the ground of mysticism and magic, the mother land of miraculous herbs. This is certainly the case of Forskolin (Latin name: Plectranthus barbatus), a species of the mint which can be found on the sunny slopes of India, Nepal or Thailand. Forskolin is used in traditional Ayurvedic ailment treatments , due to its exquisite curative properties.

As a bonus, Forskolin is also a well-known cure used since ancient times to treat heart problems. Moreover, it has the ability to comfort many other issues, from the mildest forms of menstrual pains, insomnia, sexual issues, respiratory or skin disorders, urinary infections to cancer treatment. This supplement uses the astounding power of nature transformed into an ancient Asian traditional medicine. Natural and healthy, this nutritional supplement raises the levels of thyroid hormones and increases the amount of testosterone. Increased levels of these hormones naturally lead to more fat burned and more muscles built without any fat.

When ingested, Forskolin reviews state that it stimulates an enzyme called Adenylate cyclase, which increases cellular concentrations of the messenger cAMP. cAMP is very versatile, interacting with numerous cells. When cAMP level rises, it lowers blood pressure, reduces eye pressure, prevents excessive thickening of the blood, increases the lung capacity, and, most important, increases the thyroid function and the lipolysis. This greater release of thyroid hormones not only leads to increased combustion, but high levels of cAMP activates a process called protein kinase , which activates lipase hormones, generating the breakdown of triglycerides, blocking adipose tissue.

Besides decomposition and burning fat, Forskolin can lead to muscle growth. A higher level of cAMP at the testicle level mimics the action of the luteinizing hormone, providing a higher production of testosterone, for a greater muscle mass. Increased testosterone contributes to muscle growth, while higher levels of cAMP in skeletal muscles lead to increased protein synthesis, so you can benefit from a dual action.

Forskolin weight loss supplements can mimic the effects of caloric restriction and physical exercise to obtain the body of your dreams! Test it today at www.tryskinnypills.com and feel the amazing power of nature working for you to get body you’ve been dreaming of just in time for your vacation!

Don’t believe you can get your bikini body back? Watch this Forskolin review video and here from a user herself:

What the Wells Fargo Autograph Journey Visa Card offers

How other travel cards compare to the wells fargo autograph journey℠ visa® card, 3 key benefits cardholders get from the autograph journey , move over, chase sapphire preferred. this new travel credit card is turning heads.

Wells Fargo's newest card has one key advantage over the gold standard in travel cards.

Holly Johnson

Contributor

Holly Johnson is a credit card expert and writer who covers rewards and loyalty programs, budgeting, and all things personal finance. In addition to writing for publications like Bankrate, CreditCards.com, Forbes Advisor and Investopedia, Johnson owns Club Thrifty and is the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life You'll Love."

Tiffany Connors

Tiffany Wendeln Connors is a senior editor for CNET Money with a focus on credit cards. Previously, she covered personal finance topics as a writer and editor at The Penny Hoarder. She is passionate about helping people make the best money decisions for themselves and their families. She graduated from Bowling Green State University with a bachelor's degree in journalism and has been a writer and editor for publications including the New York Post, Women's Running magazine and Soap Opera Digest. When she isn't working, you can find her enjoying life in St. Petersburg, Florida, with her husband, daughter and a very needy dog.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

The Wells Fargo Autograph Journey℠ Visa® Card * -- Wells Fargo’s latest and best travel card -- recently launched with an impressive set of features. Its competitive rewards, welcome bonus and redemption options take aim at incumbent travel credit cards from Chase, American Express and Capital One.

What gives Wells Fargo’s first foray into the point-transfer space an edge is that you don’t have to book travel in a portal to earn the highest rewards rates. 

Here’s why we think the Wells Fargo Autograph Journey could go toe-to-toe with some of the best travel credit cards, plus three insider tips to help you decide if you should add it to your credit card lineup.

Here’s a quick overview of what you can expect with the Autograph Journey:

• Earn 60,000 welcome bonus rewards points after spending $4,000 in purchases within three months of account opening.
• Earn unlimited 5x points on hotels, 4x points on airlines, 3x points on other travel and dining and 1x on other purchases.
• Receive an annual statement credit with a $50 minimum airline purchase.
• No foreign transaction fees.
• Other benefits include trip cancellation and interruption insurance, lost luggage reimbursement, roadside dispatch and cell phone insurance.
• $95 annual fee.

Wells Fargo Autograph Journey℠ Card

Chase Sapphire Preferred® Card

Capital One Venture Rewards Credit Card

Here’s a rundown of four facts we discovered about the Autograph Journey that you should know when deciding whether to apply.

1. You can transfer points with Wells Fargo point-based cards

The launch of the Autograph Journey also marks the first transferable points program from Wells Fargo, which joins other card issuers like Chase and Capital One, which have their own pooling programs .

Autograph Journey will be able to do a points transfer with the no-annual-fee Wells Fargo Autograph℠ Card . This is especially notable since the Wells Fargo Autograph℠ Card offers bonus rewards in different categories than the Autograph Journey. 

For example, the Autograph card earns unlimited 3x points on restaurants, travel, gas stations, transit, popular streaming services and phone plans, plus 1x points on other purchases. So you can maximize your point earning across different categories, then transfer your points to your Autograph Journey account to access premium travel redemptions.

2. It offers more options for earning bonus miles on travel than some competitors

The Autograph Journey will offer more flexibility than many travel rewards cards when it comes to earning more points on travel purchases. For example, cardholders earn unlimited 5x points on hotels booked directly with hotel brands and 4x points on airfare booked with airlines. 

This helps the card stand out from other popular travel credit cards that offer the most bonus points only if you book travel through their portals. For example, the Capital One Venture Rewards Credit Card * and the Capital One Venture X Rewards Credit Card * only offer the highest bonus rewards on travel booked through Capital One Travel. The Chase Sapphire Preferred® Card also offers its highest rate of 5x points on travel booked through Chase Travel℠, whereas other travel purchases earn 2x points.

Autograph Journey cardholders also earn a minimum of 3x points on other travel purchases, which could include rental cars, cruises and travel booked through online travel agencies like Expedia and Priceline.

3. The card may grow in value as more transfer partners join

The Autograph Journey Card will earn flexible travel rewards points that transfer to a selection of airline and hotel partners, similar to Amex Membership Rewards points or Chase Ultimate Rewards . While the list of transfer partners is limited, Wells Fargo stated in its initial press release that “more partners will continue to be added throughout the year.”

Points transfers could dramatically change the value proposition of the Autograph Journey, especially if new partners include domestic airlines and popular hotel loyalty programs. 

Wells Fargo point transfers will be available to new cardholders starting on April 4. For now, Wells Fargo transfer partners include the following:

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After writing about hundreds of credit cards, these two are still my favorite, 6 reasons the chase sapphire preferred should be your next credit card, 3 steps to take when your flight is canceled or delayed, 8 best credit card strategies to maximize earnings in 2024, as a foodie who enjoys a night out on the town, this credit card gives me plenty to savor.

* All information about the Wells Fargo Autograph Journey, Capital One Venture Rewards Credit Card and Capital One Venture X Rewards Credit Card have been collected independently by CNET and has not been reviewed by the issuer.

CNET editors independently choose every product and service we cover. Though we can’t review every available financial company or offer, we strive to make comprehensive, rigorous comparisons in order to highlight the best of them. For many of these products and services, we earn a commission. The compensation we receive may impact how products and links appear on our site.

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How Much Does a Cruise Cost?

The average cost of a cruise varies by ship, destination, trip length and more. Use this guide to learn more about cruise costs.

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With the rising cost of everything, including travel, cruise fares – some as low as $26 per person per night based on double occupancy – seem like an incredible bargain. And they certainly can be, but the fares you see advertised online often don't include extras like taxes, fees, port expenses, gratuities, shore excursions, specialty dining, alcoholic beverages, specialty coffees, room service fees and more.

Cruise pricing can be confusing with so many variables; unless you're sailing with a smaller luxury line that is all-inclusive , your bill on the day of disembarkation may be unexpected or even shocking. Small things like buying bottled water or renting noodles for floating in the ocean at a cruise line's private island can add up quickly. To help you plan better for a cruise vacation , U.S. News has broken down some of the costs and add-ons you need to take into consideration before booking your next getaway on the high seas.

How much does a one-week cruise cost?

A cruise can cost anywhere from about $171 per person for a four-night Bahamas cruise to up to $94,999 per person for a 154-night world cruise and anywhere in between. Cruise fares vary based on itinerary, number of nights, cabin type, amenities and cruise line. Here are a few examples of base cruise cost ranges on larger cruise lines for various regions:

• A seven-night Caribbean cruise in November costs approximately $424 to $1,158 per person.
• A seven-night Alaska cruise in May costs approximately $244 to $1,632 per person.
• A seven-night Western Mediterranean cruise in June costs approximately $439 to $3,218 per person.
• A seven-night Mexico cruise in January costs approximately $529 to $695 per person.
• A seven-night Canada and New England cruise in October costs approximately $470 to $954 per person.

What's included in the base fare with a larger cruise line?

Mass-market cruise lines such as Royal Caribbean International , Norwegian Cruise Line , MSC Cruises and Carnival Cruise Line – and more upscale lines like Celebrity Cruises , Holland America Line , Cunard Line , Disney Cruise Line and Princess Cruises – advertise "starting from" base fares, which are for inside cabins. These are the least expensive staterooms on the ship, and they do not have windows. Staying in these accommodations still gives you access to all the complimentary dining venues, several types of nonalcoholic beverages (nonbottled water, iced tea, lemonade, juices, hot coffee and tea), the ship's pools, the gym, kids clubs and onboard entertainment.

If you want a room with a view – or a larger stateroom – consider booking an ocean view room with a porthole or window, or a cabin with a balcony or veranda. With these rooms, you'll have access to all the ship's included amenities and typically more spacious accommodations for the week. Of course, this option will come at a higher price point.

No matter which room category you choose, port expenses, taxes and fees are not included in the base fares, and they're automatically added to the cost of your cruise. The amount of these charges will depend on the length of your cruise and where you're sailing. Gratuities for the staff and crew are also additional.

Find the best value sailings on  GoToSea , a service of U.S. News.

What if you want more amenities and perks?

If you splurge on a suite or a higher room category, such as Celebrity's Concierge Class, you'll get perks like priority embarkation, a Welcome Aboard Concierge Class Lunch, complimentary sparkling wine and daily tastings (upon request), concierge service, invitations to exclusive destination seminars, pillow selection and more.

With Disney Cruise Line's Concierge Staterooms and Suites, guests have a dedicated concierge agent offering personalized assistance for pre-arrival planning for port adventures, dining reservations, other onboard activities and special requests. You'll also have priority check-in and boarding, complimentary Wi-Fi, access to a private lounge, and other perks.

You may opt to stay within an exclusive area of the ship, such as MSC Cruises' Yacht Club, Norwegian's The Haven or Celebrity's The Retreat. These high-end private retreats offer an all-inclusive experience with additional features, while still including access to all the entertainment, dining venues and more on board. The accommodations can cost hundreds more dollars per day, but you'll have an experience similar to sailing on a small luxury vessel.

For example, the MSC Yacht Club offers an intimate all-inclusive space within its larger ships. The private area is accessible with a key card and features luxurious suites, a dedicated concierge, 24-hour butler service, a private restaurant and lounge, a rooftop pool, and other amenities. There are also additional dining and snack options throughout the day at the pool and lounge.

You'll find similar amenities in Norwegian's and Celebrity's private retreats, including priority boarding and disembarkation, exclusive sun deck areas, and priority access when boarding tenders for going ashore.

What factors determine pricing?

Base pricing and the additional components vary greatly among the cruise lines, so you'll need to determine what your budget is for the trip – and what you can and can't live without when it comes to accommodations and amenities. Travelers may also find that one cruise line has a deal or promotion with reduced pricing that includes airfare, specialty dining, a beverage package, free Wi-Fi or other perks in the advertised rate, while another line isn't running any specials for a similar itinerary. 

Voyages on older cruise ships tend to be less expensive, so if you're on a tight budget, consider a ship with fewer bells and whistles. If you're sailing on a short itinerary in the Bahamas and plan to lounge by the pool or on the beach all day, you may not be concerned about having high-tech onboard amenities, martini bars and several specialty restaurants.

Save the money to splurge on more expensive fares when you're planning to sail on longer voyages on larger and newer ships. You'll want several days at sea to enjoy the onboard amenities on some vessels, such as a three-level racetrack and a 10-story-tall slides on a new ship like Norwegian Prima or its new sister ship, Norwegian Viva, set to debut in summer 2023.

Another significant factor to consider is the time of year you want to travel. Better deals are available in the offseason, but the offseason varies depending on what part of the world you're traveling to. For example, May is a great time to find a deal in the Caribbean. The offseason – or shoulder season – in that market typically runs from May to November. However, keep in mind this period overlaps with hurricane season .

You also may be able to find last-minute deals in many other destinations if you're flexible. Working with a travel agent is an excellent way to learn of last-minute specials and cruise deals that offer add-ons like beverage packages, specialty dining inclusions, shore excursions and other perks. You can also check out the online specials that change frequently.

Read: The Best Cruise Lines for the Money

Solo travelers may pay more

If you're traveling alone , you may also need to factor in a single supplement, which can add up to as much as 100% of the cruise fare. To save money, bring a friend so you can access the lower double occupancy fare or consider lines that feature rooms for solo travelers; select Royal Caribbean, Norwegian and Celebrity ships offer solo cabins.

These smaller accommodations – around 100 to 200 square feet in size – are priced and designed for solo travelers. Key card access to Norwegian's Studio Complex and Lounge is included with the line's solo cabins and offers a place to relax and mix and mingle with other cruisers. Other lines that offer solo cabins include Holland America, MSC and Virgin Voyages . While the price may not be as inexpensive as the double occupancy fare when traveling with someone else, these accommodations offer some savings over a typical solo fare.

Some lines often feature special deals on select sailings where the single supplement is waived or reduced. A knowledgeable travel agent specializing in cruises can assist in finding the best offers for solo travelers.

Read: The Top Cruise Lines for Solo Travelers

Kids cruise free promotions can help families save

If you're traveling with kids, many cruise lines – such as Holland America, MSC, Norwegian, Royal Caribbean, Disney and Princess – offer "kids sail free" promotions periodically throughout the year. You can also find discounted fares for the kids on select sailings. Regent Seven Seas Cruises has fares as low as $999 for children 17 and younger on a variety of select voyages whose regular fares are around $6,000 and up. This fare also includes unlimited shore excursions and all the benefits and perks of sailing with an all-inclusive luxury cruise line.

Read: The Top Cruises for Babies and Toddlers

Food and beverage packages are another expense to consider

Once you determine your total cruise fare with the taxes, fees, port charges and gratuities, you'll need to budget for the additional expenses you'll have on the ship – and these extras can add up quickly. Meals at specialty dining venues , alcoholic drinks and other beverages may not be covered in the basic cruise fare. You'll also have to pay for room service on most ships.

You can purchase specialty dining, beverage and Wi-Fi packages before or during your cruise. These packages offer savings over purchasing everything individually – and it's best to buy them once you book your cruise, as they're typically cheaper to purchase before you board the ship. For an example of the savings, Royal Caribbean offers up to a 40% discount with a dining package. This package includes reduced pricing for children ages 6 to 12, while kids 5 and younger eat for free. The cruise line's unlimited dining package also offers discounts on bottles of wine.

In addition to specialty dining venues that charge a flat fee – usually between $30 to $50 – there are also restaurants that charge as much as $75 or more for dinner. Other venues feature a la carte menus with sushi, bar food and even steakhouses that price out individual courses. Some of these may not include gratuity, so that's another add-on. If you decide to dine at any of these spots – and they're not included in your package – you'll have to budget for them in the total cruise price. Enticing dessert items in the gelato and ice cream shops on some ships also come with a price, including Coco's and Dolce Gelato on Norwegian or MSC's Venchi.

There are endless options when considering beverage packages, too, so you need choose what fits best with your interests and budget. Some of the package options are only for nonalcoholic drinks like fountain sodas, sparkling waters and coffees, while premium or deluxe beverage packages cover beer, wine and cocktails, so they are more expensive. Depending on the cruise line, most premium packages will usually cover drinks up to $15, but many craft cocktails on cruise ships can be quite expensive, costing much more, especially if you request a call brand for the liquor. If you have the premium package and want to splurge on the fancy beverage, you'll have to pay the difference.

Other lines have packages that cover top-shelf beverages of up to $20 each and include wine, large bottles of water and soda, and other perks. You'll need to budget around $85 per person per day for this option – and an additional 18% gratuity. This type of package can add up to quite a bit of money on a seven-day cruise or longer.

For additional savings, look into bundle pricing that includes specialty dining, Wi-Fi, photos and more. Purchasing them together may be more cost-effective. For example, Holland America offers a "Have It All" package that encompasses a shore excursion credit, a signature beverage package (including the service charge), one evening of specialty dining and Wi-Fi. If you're sailing on longer cruises of 10 to 21 days or more, the benefits increase. The line estimates savings of 50% when you purchase this bundle.

While these packages may not always work out in your favor, you'll at least know what your dining, imbibing, excursions, Wi-Fi and even additional activities on the cruise will cost.

Read: Cruise Drink Packages: Your Options by Cruise Line

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Additional costs on a cruise ship

Cruisers will also incur additional fees from excursions, fitness classes, spa treatments, access to thermal spa rooms, babysitting services, ship tours, wine tastings, cocktail demonstrations, cooking classes, laundry services, and some entertainment venues and activities on the ship – such as Norwegian's racetrack and Carnival's first roller coaster at sea, BOLT. See some of the more popular added costs you'll want to consider below.

Wi-Fi access

If you need Wi-Fi during the cruise, that's another cost to factor into the total price. Here are two examples of pricing for internet plans for two cruise lines.

Carnival offers three options for Wi-Fi, using Starlink. The basic Social Wi-Fi Plan gives you access certain social media channels like Facebook Messenger, Instagram, Twitter, WhatsApp and more starting at $12.75 per day per person. The cost increases to $17 per day per person with the Value Wi-Fi Plan. This option gives you access to your email and to sites for weather, news, finance and more. It does not support Skype or music and video streaming services like Spotify and Netflix during your cruise.

Carnival's Premium Wi-Fi Plan starts at $18.70 per person per day and offers speeds up to three times faster than the Value plan. With this plan you can make Zoom calls and use Skype. For all three of these plans, you can save 15% off the total price if you book in advance of your trip.

Celebrity also uses Starlink. The line's "Always Included" fare includes basic internet, a classic drink package and gratuities. If you don't book that fare, Wi-Fi plans range from $20 per day for basic service to premium Wi-Fi at $35 per day.

• Shore excursions

If you're traveling to far-flung or new destinations, you'll want to book shore excursions. Cruise lines recommend that you book excursions directly with them rather than hiring an independent tour company or operator, but it can be more expensive to book tours through the cruise line.

However, if you experienced a delay on an independent tour and couldn't get back to the ship on time, there's a chance you could get left behind if you're not on a ship-sponsored tour. If you decide to go with a private tour guide, be sure to book an excursion where you'll arrive back at the ship with plenty of time to spare before the vessel departs for the next destination. Most tour operators in busy cruise ports work with the cruise ship schedules all the time, so you should be fine with a reputable independent guide.

Some trips last an entire day or are once-in-a-lifetime adventures like dog-sledding on a glacier in Alaska or taking a helicopter ride in Iceland. These types of excursions can be costly, ranging anywhere from hundreds to even thousands of dollars.

If these types of experiences are not in your budget, then look for historic walking or panoramic driving tours. These excursions are shorter in duration and typically the least expensive tours available on the cruise. Most of these types of tours will cost less than $100. And, of course, there are always other options available that range between the lower and higher price range of excursions.

If your ship is docked directly in the town or city, then you'll be able to explore off the ship on your own for free. Some cruise lines also offer complimentary shuttle buses into town, or a round-trip ride for a nominal fee, if it's not within walking distance of the ship. That's another less expensive option for you to sightsee, shop or grab lunch in town.

Transportation

Transportation is another expense that's often overlooked in the total cost of a cruise. Consider if you'll be driving or flying to the cruise port. If you're driving, you'll have to pay for gas and parking at the port – and maybe a hotel the night before the cruise, depending on when you arrive and when your ship is scheduled to set sail. Don't forget the meals or beverages you'll purchase on the way.

If you're flying to the port, especially on a long-distance flight, it's best to come in a day early. In that case, you'll also have to pay for a hotel, transfers from the airport to the hotel and then a transfer (private hire, Uber or cab) to the ship's terminal. There will also be meals to budget for while you're in town before the cruise and a ride back to the airport after the cruise.

Souvenirs or forgotten items

Don't forget to account for purchases on the ship. Items that you forgot to bring from home will be more expensive on the ship. It's also easy to run up the bill when buying souvenirs for yourself or the kids. It's a good idea to periodically check your bill online or with guest services to see the current balance. You can keep a running tab of what you've billed to your stateroom – and also make sure that the charges are correct.

Cruise pricing checklist

To sum it up, here's a checklist of major items that will help you to compare costs across cruise lines and tally up the total cost of a cruise:

• Base cruise price
• Taxes, fees, gratuities and port expenses
• Specialty dining
• Beverage package
• Optional activities
• Miscellaneous expenses
• Air or ground travel to the port
• Hotel prior to embarking

If you don't want to budget for all the individual expenses related to a cruise – and you don't need the over-the-top entertainment of a larger cruise ship – consider booking a mostly all-inclusive or fully all-inclusive cruise with a luxury cruise line . These cruise lines include almost everything in your cruise fare.

Mostly all-inclusive cruises

One option for a mostly all-inclusive cruise is Viking Ocean Cruises . The line's nine all-veranda ocean-going vessels accommodate 930 passengers – and all of Viking's ships feature the same categories of staterooms and suites, dining, lounges, and entertainment venues across the fleet. The ships offer an immersive cultural curriculum on board with regional dishes, destination performances and enrichment lectures.

Viking's fares include veranda accommodations, port taxes and fees, free Wi-Fi, access to The Nordic Spa and fitness center, 24-hour room service, ground transportation (if you book airfare with Viking), and one complimentary excursion in each port. You'll also have complimentary alternative dining options and free beer, wine and soft drinks with lunch and dinner on board the ship. Specialty coffees, teas and bottled water are available 24 hours a day at no extra charge. Guests are also invited to a welcome cocktail party and farewell reception.

If you like to have an aperitif before your evening meal or an after-dinner cocktail, those beverages will be at an additional cost. You'll also need to budget for any optional shore excursions that are not included in the fare.

Keep in mind that Viking is an adults-only cruise line, so children younger than 18 are not permitted.

Read:  The Best Adults-Only Cruises

All-inclusive cruises

Silversea Cruises , Regent Seven Seas and Seabourn Cruise Line boast all-inclusive luxury experiences with shipwide amenities such as ocean-facing suites, butlers, premium spirits, fully stocked in-suite bars, no tipping and complimentary dining at world-class restaurants.

Additional perks with Regent Seven Seas include complimentary shore excursions, free two- or three-night land programs, a free one-night hotel stay before the cruise departure, transfers from the airport to the ship, and business class or economy airfare, depending on the destination.

Silversea offers door-to-door arrangements where everything is handled by the cruise line. You can also opt for a port-to-port all-inclusive rate if you prefer to make your own travel arrangements. If you're on one of the cruise line's expedition cruises, fares will include a pre- or post-cruise hotel stay. All Silversea fares cover a selection of complimentary shore excursions in each port.

If you're interested in an even smaller ship – and are sailing to the Caribbean or Mediterranean – SeaDream Yacht Club features an intimate luxury experience on its two 56-stateroom yachts. The fares include top-notch cuisine, open bar and gratuities, complimentary daily yoga, access to water sports activities and nightly movies under the stars.

Read: The Top Cruises on Small Ships

How much does a luxury cruise cost for two?

If you want to go on a mostly adults-only luxury ship, what can you expect to pay for two people? This will depend on the ship, where you want to sail and for how long – and what amenities are included in the fare.

For a seven-night cruise in the Baltic region in June with Regent Seven Seas, an all-inclusive fare with suite accommodations is $12,540 ($6,270 per person). There are also additional perks available, depending on where you book the cruise. Some of the extras include a cash-back offer, a two-category upgrade and shipboard credit.

Silversea has a similar itinerary in June, and the fare also comes with added perks for $13,860 for two people ($6,930 per person) in suite accommodations.

While the price tag may seem high, compare the total cost with the base fare on a larger cruise ship and then add in all the extras.

See the top cruises on  GoToSea .

The bottom line

The average cost of a cruise is all over the map – and there are many variables to consider. Hiring a cruise specialist to navigate the rough waters may be your best option. Cruise specialists are also privy to special deals and incentives that you may not be able to access on your own.

Travel agents can also advise you of promotions that may include free specialty dining, beverage packages, complimentary Wi-Fi, shore excursions, discounts on solo and family travel, and more. This approach will save you the hassle of searching online or calling the individual cruise companies to check on what specials are available.

If you'd rather have one price with everything included so there's little room for surprises at the end of the trip, consider a mostly or fully all-inclusive cruise fare. If you don't need waterslides for the kids, big Broadway shows and high-tech entertainment, opt for a cruise on a small luxury line.

When doing the math and comparing the costs, you might be surprised how similar in price cruising with a larger mass-market cruise line and a smaller luxury line can be. In the end, your decision will come down to your personal preferences and what you value most for your cruise vacation.

Why Trust U.S. News Travel

Gwen Pratesi has been an avid cruiser since her early 20s. She has sailed on nearly every type of cruise ship built, including the newest megaships, paddle-wheelers on the Snake and Columbia rivers, and an 18-stateroom river ship on the Mekong River in Vietnam and Cambodia. Most recently, she traveled on a small luxury expedition vessel in Antarctica and crossed the notorious Drake Passage twice. She covers the travel and culinary industries, specializing in cruises, for major publications including U.S. News & World Report.

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Watch CBS News

Man dies after setting himself on fire near Trump trial courthouse in NYC

By Graham Kates , Pat Milton , Jericka Duncan

Updated on: April 20, 2024 / 8:38 PM EDT / CBS News

A man who set himself on fire outside the New York City courthouse where former President Donald Trump's hush money trial is underway has died, police said. 

Witnesses said that they saw the man — identified by the New York Police Department as 37-year-old Max Azzarello — pour liquid over his head and set himself on fire at 1:39 p.m. local time on Friday. 

In a briefing immediately after the incident, the NYPD said Azzarello, a Florida resident who had arrived in New York City earlier in the week, walked into Collect Pond Park, opened a book bag, and scattered papers and pamphlets on the ground before setting himself ablaze. Police described the materials as "like a conspiracy-theory type of pamphlet." 

Azzarello then fell on a police barrier. Civilians and court officers used coats and extinguishers to try to put out the fire, the NYPD said, and the New York City Fire Department responded, finally extinguishing the fire. 

The FDNY said that Azzarello was transported to New York Presbyterian-Weill Cornell Medical Center, which has a burn center, in critical condition. 

The NYPD confirmed to CBS News overnight that Azzarello had died on Friday night. 

Four officers who responded to the fire suffered minor injuries.

Azzarello had posted a statement on social media, officials said. Although the incident took place close to the court where Trump's trial is taking place, officials said Azzarello did not appear to be targeting any particular person or group and added that he seemed to be a conspiracy theorist.

One witness described pamphlets that Azzarello threw, apparently while making allegations about New York University.

 "I heard this clattering, and it was those papers that he had flung up in the air," the witness said. "That caught our attention and — caught my attention, anyway ... then he pulled out a can and he poured it over himself. And at that point, I thought, 'Oh ... this is gonna be awful." 

"It happened so fast — what do you do?" another witness said. 

Graham Kates is an investigative reporter covering criminal justice, privacy issues and information security for CBS News Digital. Contact Graham at [email protected] or [email protected]

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• 3% fee charged on foreign transactions

Who's this for? The Chase Freedom Unlimited® is geared toward those who want to earn cash back on their everyday spending and still want access to a helpful intro APR offer.

Balance transfer offer : New card members receive an intro 0% APR for purchases and balance transfer for the first 15 months, after that a variable 20.49% to 29.24% APR applies. For the first 60 days of account opening, there's an intro balance transfer fee of 3% of the amount of each transfer ($5 minimum). After that, a standard balance transfer fee of $5 or 5% of the amount of each transfer applies, whichever is greater.

Best for rotating bonus categories

Chase freedom flex℠.

5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate (then 1%), 5% cash back on travel booked through the Chase Ultimate Rewards®, 3% on drugstore purchases and on dining (including takeout and eligible delivery services), 1% cash back on all other purchases

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

Member FDIC. Terms apply. Information about the Chase Freedom Flex℠ has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

Read our Chase Freedom Flex℠ review.

• Opportunity to earn up to 5% cash back in select categories upon activation
• Bonus categories must be activated each quarter

Who's this for? The Chase Freedom Flex℠ is a great card for anyone who enjoys squeezing the most value out of their credit card thanks to its generous rotating quarterly bonus categories.

Balance transfer offer : New cardholders can take advantage of a 0% intro APR for the first 15 months on purchases and balances transfer, then a 20.49% to 29.24% variable APR applies. An intro balance transfer fee of either $5 or 3% of the amount of each transfer applies to transfers completed in the first 60 days. After that, the standard balance transfer fee is 5% of the amount of each transfer or $5, whichever is greater.

More on our top Chase balance transfer credit cards

The Chase Slate Edge℠ is a no annual fee card with several features that can help you pay less interest, but doesn't earn rewards.

Get an automatic review for a higher credit limit when you pay on time and spend $500 in the first six months.

Notable perks

With the Chase Slate Edge , you are automatically considered for a 2% APR reduction if you pay your monthly bill on time and spend at least $1,000 on the card before your next account anniversary (terms apply). While you'll want a plan to pay off your balance transfer before the interest kicks in, this feature can help you lower your APR compared to what you might pay with other credit cards.

This card's insurance benefits include purchase protection, extended warranty protection, roadside dispatch and rental car collision and theft coverage (secondary in the U.S.).

[ Return to card summary ]

The Chase Freedom Unlimited® is one of CNBC Select's top no-annual-fee cash-back credit cards with a unique intro bonus and a handful of useful benefits to complement its cash-back earnings.

• 6.5% cash back on travel booked through Chase Travel
• 5% back on Lyft rides (through Mar. 31, 2025)
• 4.5% cash back on dining
• 4.5% cash back at drug stores
• 3% cash back on all other purchases (on up to $20,000 spent in the first year)

Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year).

Cardholders can earn 5% cash back on Lyft rides through March 2025 and enroll for three complimentary months of DashPass (activate by Dec. 31, 2024). Purchases are also covered by a range of built-in protections like rental car collision damage insurance (secondary in the U.S.), extended warranty coverage, purchase protection and trip cancellation and interruption insurance.

While this is a cash-back credit card , you can boost the value of the rewards you earn by pairing this card with a Chase card that allows points transfers (such as the Chase Sapphire Preferred® Card ). By transferring the rewards you earn to travel partners like World Hyatt, United MileagePlus and Air Canada Aeroplan, you can potentially book luxury hotels and flights for fewer points.

The Chase Freedom Flex℠ packs a punch with generous rewards in bonus categories that change every quarter and an easy-to-earn welcome bonus.

• 5% cash back on the first $1,500 spent in categories that change each quarter, then 1% cash back (activation required)
• 5% cash back on travel booked through Chase Ultimate Rewards®
• 3% cash back on dining
• 3% cash back at drug stores
• 1% cash back on all other purchases

Earn a $200 bonus after spending $500 on purchases in the first three months from account opening. 

Cardholders receive discounts and special perks with partners like Lyft and DoorDash. There are also many valuable built-in protections for a no-annual-fee card, including:

• Cell phone insurance
• Rental car insurance (secondary in the U.S.)
• Extended warranty coverage
• Purchase protection
• Trip cancellation and interruption insurance

When you have a Chase card that unlocks the ability to transfer Chase points to hotel and airline partners (like the Chase Sapphire Preferred® Card) , it increases the value of the Freedom Flex. So this isn't only a strong standalone rewards credit card , but it has synergies with other cards.

How to complete a Chase balance transfer

Chase typically charges a balance transfer fee from 3% to 5% with a $5 minimum. Before you complete a balance transfer , be sure the interest you save will outweigh the fee.

There are several ways to do a balance transfer with Chase. One of the best and easiest options is to complete a balance transfer when you apply for a card. When you do this, you'll be able to make the most out of your intro APR because any 0% interest timeframe you qualify for begins when you open the card.

If you want to perform a balance transfer with a Chase card you already have, you'll need to log in to your account and follow these steps:

• Click "Pay & Transfer"
• Then click on the "Transfer" dropdown menu
• Select "Card balance transfers"

You can then select any of your Chase cards from a dropdown menu and see what balance transfer offers are available.

Are Chase balance transfers worth it?

When you make a balance transfer, you'll generally pay a fee of 3% to 5% of the balance. To determine whether a balance transfer is worth it, calculate how much you would save in interest compared to how much you'd pay in transfer fees.

What is one disadvantage of a 0% interest balance transfer card?

Aside from the balance transfer fees, the biggest downside to a balance transfer is you'll have the same amount of credit card debt as before. If you don't have a plan, or the resources, to pay off your debt before the intro APR expires, you'll be stuck paying interest once again.

Do balance transfers hurt your credit?

A balance transfer doesn't directly hurt your credit score and could help improve your credit if you're able to pay down your debt. However, you'll want to keep in mind that your credit score will temporarily dip when you apply for new credit (including a balance transfer card).

Bottom line

The top balance transfer cards Chase issues offer intro APR periods of 15 to 18 months, and these intro APR offers also apply to purchases, making them even more useful. If you're interested in paying less interest , these are some of the best offers available. When you're in credit card debt, your primary focus should be repayment, not earning rewards, but the fact that some of the cards on this list earn rewards is a nice bonus.

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card   article is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card   products .  While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See  our methodology  for more information on how we choose the best Chase balance transfer credit cards.

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Our methodology

To determine which Chase cards are best for balance transfers, CNBC Select analyzed the Chase credit cards with intro APR balance transfer offers. We compared each card on a range of features, including the annual fee, rewards, welcome bonus and balance transfer fee. We also considered additional perks, consumer protections, the application process when available and how easy it is to redeem rewards. However, when you're in credit card debt, your priority should be repayment, so we focused more on the cards that provide consumers with the cheapest ways to pay off their debt rather than the number of rewards they could potentially earn.

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