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The hardest part is knowing where to start. We’ll walk you through planning timelines, money-saving tips, and ideas for when, where, and how long your reunion trip should be.

Benefits of a Family Reunion Trip

The benefits of a family reunion trip are many: It’s a rare chance to reconnect, strengthen relationships, and make new memories. Sure, you’ll see one another at the next wedding, graduation, or funeral, but a dedicated family reunion is an opportunity for multiple generations to simply be together, without the pressure of pre-scheduled events.

Family reunions are especially important for the oldest and youngest family members. Grandparents and great grandparents won’t be around forever. Little ones may not immediately appreciate the time they spend with older relatives, but they will be sure to appreciate these memories — and group photos! — years down the line.

How to Plan a Family Reunion Trip

Organization is crucial when it comes to destination family reunion planning. After all, you’re planning a vacation for potentially dozens of people of varying ages and interests. Maybe you’re a spreadsheet and travel aficionado, in which case, bon voyage! If not, read on for everything you need to consider when planning a family reunion trip, then divide and conquer.

Where, When, and How Long: Guidelines

Every family has diverging interests. Maybe the younger generation love long hikes, but Uncle Mike prefers antiquing, your grandmother could splash in the pool all day, and your brother is practically a vampire. A well-planned destination family reunion vacation will offer something for everyone.

Recommended: How Families Afford to Travel

How Long Should A Family Reunion Trip Be?

Is your family thinking of a week-long vacation or a weekend getaway? Keep in mind that not everyone has the same vacation time from work, and some people may have other obligations they must allocate vacation days to. It’s also important to find out which families may be traveling with pets.

The length of a reunion is often determined by budget. Whoever the lead organizer is should simply ask the group (more on how to do that below) what everyone’s maximum budget is and go from there.

When and Where to Take a Family Reunion Trip

Agreeing on a time of year for your reunion may be easier than you think. First, take into account how many attendees have school-aged kids. For them, winter and summer breaks will be the most convenient times to travel, but also the most expensive. Instead, consider using a shoulder-season school holiday, like Indigenous Peoples’ Day in October or Memorial Day in May, and taking a long weekend trip. Bonus: The weather in many destinations will be pleasant, but prices won’t yet be sky-high.

When evaluating destinations, contemplate: How many people are coming? Will you fly or drive? Is it easier to stay somewhere walkable, or does the group prefer renting cars? Ask select family members for their top (realistic) destination ideas.

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

How to Save On A Family Reunion Trip

Accommodations tend to take a big bite out of travel funds. For most groups, sharing one or more houses or apartments will be much more affordable than booking hotel rooms. In Montana, for example, you may well find two nearby houses that can hold a dozen people each. In Fort Lauderdale, you’re more likely to find three- to four-bedroom condos.

Sharing accommodations can also make it easier to prorate costs, allowing those on a tight budget to select a smaller room or pull-out couch. (Also keep in mind credit card rewards, which are sometimes applicable to vacation home sites.)

Other advantages of a rental house are space to spread out, doors that can be closed when kids are sleeping but adults are up late talking, and the ability to prepare meals — another huge cost saver.

Family Reunion Planning Timeline

Your planning timeline will vary depending on your destination. If the gang is flying to Hawaii from across the country, you’ll want to book flights many months in advance and keep your eye on hotel prices. If everyone is driving, you can book accommodations a few months out and then wait to plan activities.

6–12 months out: Use a free online poll tool or the poll feature in messaging apps like Whatsapp and Telegram to vote on when and where to go. The group chat can be your best friend and worst enemy (btw, you may want to mute it), but it is useful for soliciting opinions. It’s important to confirm budgets and expectations now.

4–5 months out: Once a destination is decided, pull a few accommodation options to fit the group’s needs, whether that’s a block of hotel rooms, a few condos, or a rental house. Reconfirm everyone’s budget, as financial circumstances can change.

If your family reunion trip requires flights, compare the price of a ticket in miles vs. cash so you can decide whether to use a credit card that gives credit card miles vs. cash back.

2 months out: Keep the momentum going by booking any activities, whether you need lift tickets, plan to take tours, or want to go snorkeling. With major logistics out of the way, this is the fun part.

1 month out: Everything that needs to be booked in advance is done, and the countdown is on. Now is the time to look into nearby grocery stores, where people might eat if they arrive late, whether strollers and carseats can be rented or should be packed, etc.

Do’s and Don’ts for a Fun, Memorable Reunion

•   Don’t overschedule your family reunion trip: Try booking only one major activity per day for those who want to participate, whether that’s a beach excursion, a museum, or a walking tour.

•   Do respect peoples’ natural rhythms: Aunt Sue may be ready for 5am bird-watching, but your college-age cousins are more likely to roll out of bed several hours later. Everyone is more cheerful when they get enough sleep, so don’t wake people at the crack of dawn with a megaphone.

•   Don’t feel compelled to capture every moment. The pressure to take a million perfect photos is very real, but try to live in the moment. You may not see some of these people again for several years.

•   Bring an instant camera: These tangible memories are the perfect family reunion souvenir, and instant camera film colors are universally flattering.

•   Pack games: Uno, travel Scrabble, Code Names, even simple packs of cards provide entertainment after dinner and on rainy afternoons.

•   Make videos: Film older relatives talking about their lives. Prompt them with questions about their childhood, who their friends were, what they ate, what they dreamed their adult lives would be. This is a wonderful way to memorialize older generations.

After the Event

•   Create a place for everyone to share photos, like Google Drive or Dropbox.

•   Print a few of the best photos and mail them to your family with a short note; it’s a treat to get snail mail.

•   If people have suggestions for the next family reunion trip, note them.

•   Use an expense tracker to organize who owes whom for shared costs.

The Takeaway

A family reunion is a unique chance for relatives across generations to meet for the first time or reconnect. Summer is generally the easiest time for families with young kids to travel, but it’s also the most expensive. If your family reunion trip works for a long weekend within driving distance, this is the most budget-friendly option. While it takes some coordination — and maybe a little stress — be assured that it is worth the trouble.

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Photo credit: iStock/ferrantraite

The SoFi Credit Card is issued by SoFi Bank, N.A. pursuant to license by Mastercard® International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Members earn 2 rewards points for every dollar spent on eligible purchases. If you elect to redeem points for cash deposited into your SoFi Checking or Savings account, SoFi Money® account or fractional shares in your SoFi Active Invest account, or as a payment to your SoFi Personal, Private Student, or Student Loan Refinance, your points will redeem at a rate of 1 cent per every point. If you elect to redeem points as a statement credit to your SoFi Credit Card account, your points will redeem at a rate of 0.5 cents per every point. For more details please visit the Rewards page. Brokerage and Active investing products offered through SoFi Securities LLC, member FINRA/SIPC. SoFi Securities LLC is an affiliate of SoFi Bank, N.A.

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If you have an 810 credit score, congratulations. The score is considered excellent and could help you qualify for loans with more favorable terms or premium rewards credit cards.

Let’s take a closer look at what an 810 credit score means and some different strategies that could help boost your credit score.

What Is a Credit Score?

A credit score is a three-digit number that reflects a consumer’s creditworthiness, or ability to pay back loans in a timely manner. Scores range from 300 to 850. Generally speaking, the higher the credit score, the better you tend to appear to a potential lender.

The two most popular credit scoring models are FICO and VantageScore. To calculate your score, both use credit history information provided by the three major credit bureaus: Experian, TransUnion, and Equifax.

Reasons to Care About Credit Scores

There are several reasons why a good credit score is essential to your financial health. Here are three to keep in mind.

It can increase your chances of being approved for a loan

The higher your credit score, the more likely lenders will approve loan or credit card applications. Whether it’s to purchase a house, buy a car or private student loans, having access to loans can help you achieve some big financial goals. Note that some banks may also run credit checks before issuing you an account.

You may have access to better loan rates and terms

Lenders are more likely to offer consumers with better credit scores lower interest rates and more favorable terms because they’ve proven they pay back their loans on time. A higher credit score may also get you access to other types of products such as premium rewards credit cards.

You could save money

When you move into a new home, the utility company or your landlord may check your credit score to determine how much of a security deposit you’ll need to put down. Typically, the lower your score, the higher your deposit. Though the money is often refundable, it’s usually held in a third-party account that you won’t have access to. Potential employers may also run a credit check before you’re offered a job.

Recommended: Everything About Tri-Merge Credit Reports and How They Work

Is an 810 Credit Score Considered Good or Bad?

An 810 credit score is considered very good. In fact, just 21% of consumers in the U.S. have a credit score of 800 or higher. By comparison, the national average credit score is 714, according to Experian.

What Does an 810 Credit Score Mean?

Having an 810 credit score means you’ve proven through your credit behavior that you are likely to pay back loans on time. As mentioned above, a score of 800 or above places you in the top tier of consumers.

You are also considered to be in the “exceptional” range for your FICO score and “superprime” for your VantageScore. This means lenders are more likely to approve you for loans and offer you access to products such as loans with lower interest rates and premium credit cards. Landlords and utility companies may also ask for a lower security deposit amount (if at all).

How to Build Credit

Looking to build your credit? You have several avenues to explore. Below are a few to consider. Note that there’s no one-size-fits-all solution, so it’s a good idea to research all the options available to you.

Use a Credit Card

Even if you’re just starting out in your career or only have fair credit, you may still be able to be approved for a credit card. For instance, you can open a credit card that’s specifically for college students. Or you may want to consider a secured credit card, where you pay a refundable security deposit that acts as your credit line.

Whatever purchases and payments you make on the card are reported to the three major credit bureaus. This in turn helps to establish your credit history.

Become an Authorized User

An authorized user means that your name will be put on someone else’s credit card account. You can use the credit card much like the primary cardholder can, though this person is ultimately responsible for ensuring the minimum payments are paid on time.

If the primary cardholder has a good credit score, then their positive credit history may be added to yours.

Add Monthly Bills to Your Credit Report

Some free credit monitoring services will report your utility and rent payments to your credit report. Doing so can help build your credit history. Even if there is a small fee involved, it may be worth using for a few months, depending on your financial situation.

Recommended: How to Read and Understand Your Credit Report

Take Out a Credit Builder Loan

Credit builder loans are designed to help borrowers who are looking to build their credit. They’re similar to a personal loan, except you don’t initially receive the loan proceeds. Instead, the money will be held in a separate savings account until you pay off the loan. Meanwhile, your payment activity will be reported to the credit bureaus.

How Long Does It Take to Build Credit?

It can take several months for you to establish and build credit. This is because credit scoring models need enough information from your credit history in order to assess your creditworthiness.

As you work on building your credit, do your best to practice good financial habits, such as making on-time payments.

Credit Score Tips

Even if you have an excellent credit score, it’s a good idea to keep up good credit behavior. This includes:

•   Consistently making on-time payments

•   Keeping your credit utilization, or the percentage of the available limit you’re using on revolving credit accounts, as low as possible

•   Avoiding applying for too many new loan or credit accounts at once

•   Keeping your longest credit card or loan account open

•   Regularly monitoring your credit score

•   Checking your credit history and immediately disputing any errors you find

How to Check Your Credit Score

Wondering how to find out your credit score for free? You have several options. The first is your credit card statement. Many credit card issuers provide customers with a complimentary look at their score. To find it, you may need to log into your account or check your monthly credit card statement.

Another option is to use credit score monitoring tools; some are free, others require a payment. Before opening an account, compare each tool to see which one best serves your needs.

The Takeaway

It’s good news if you have an 810 credit score and a sign that you have a track record of paying back your loans. A good score may help improve your access to loans with better terms or premium or luxury credit cards. If you want to improve your score — or just maintain it — you can try practicing good financial habits, like consistently making on-time payments, keeping tabs on your credit score, and disputing any errors.

If you need help managing your spending and saving, consider using a money tracker app. The SoFi Insights app connects all of your accounts in one convenient dashboard. From there, you can see all of your balances, spending breakdowns, and credit score monitoring, plus you can get other valuable financial insights.

Stay up to date on your finances by seeing exactly how your money comes and goes.

FAQ

What is a decent credit score for a 23-year-old?

Chances are, at 23 you’re probably still building your credit. According to Experian data, the average credit score for people aged 18 to 25 is 679. If yours is higher, then it’s considered above average.

What is the highest credit score possible in 2023?

The highest credit score you can achieve is 850 for both FICO and VantageScore scoring models.

Is a credit score of 800 good at age 23?

Whether you’re 23 or not, an 800 credit score is considered excellent.

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Photo credit: iStock/Makhbubakhon Ismatova

SoFi’s Insights tool offers users the ability to connect both in-house accounts and external accounts using Plaid, Inc’s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi’s Terms of Use. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications, or personalization settings. You shall confirm the accuracy of Plaid data through sources independent of SoFi. The credit score provided to you is a Vantage Score® based on TransUnion™ (the “Processing Agent”) data.

*Terms and conditions apply. (Must click on the link to be eligible.) This offer is only available to new SoFi users without existing SoFi accounts. It is non-transferable. One offer per person. To receive the Rewards points offer, you must successfully complete setting up Credit Score Monitoring. Rewards points may only be redeemed into SoFi accounts such as cash in SoFi Checking and Savings, SoFi credit cards or loan balances, and fractional shares subject to program terms that may be found here: SoFi Member Rewards Terms and Conditions. SoFi reserves the right to modify or discontinue this offer at any time without notice.

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

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

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

Checking Your Rates: To check the rates and terms you may qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

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When you think of everything in your life that needs to be cleaned regularly, your credit card is probably not near the top of the list. But the truth is, during the course of a day, your card can pass through many hands and see plenty of action in credit card readers and ATMs. These exchanges increase the odds of your card picking up dirt, debris, and germs.

Fortunately, there are many ways you can keep your credit card clean without worrying about damaging the plastic, chip, or magnetic strip. Even better, most cleaning methods take less than 30 seconds.

Let’s take a look at some different ways you can practice good credit card hygiene.

Why Clean Your Credit Card?

It’s common knowledge that most paper money and coins carry germs, but credit and debit cards aren’t any cleaner. In fact, microbes, bacteria, and viruses typically stay active longer on hard surfaces like plastic and metal, sometimes for days or even weeks.

If you touch your bacteria- or virus-laden card and then touch your mouth, eyes, or nose, you could be introducing unwanted germs into your body. Washing your hands after handling your card can prevent the spread of germs. So can washing your credit card.

Besides wiping away bacteria, microbes, and viruses, scrubbing your card can also remove dust, dirt particles, and grime. These elements can make your card’s surface feel greasy, gritty, and sticky, and they can accumulate on or around the raised credit card numbers or letters.

Recommended: Cash vs Credit Card: Key Differences to Know

How to Clean Credit Cards

There is no one way to clean your credit cards. The method you use depends on personal choice and the cleaning materials you have on hand. If you’re worried about getting your card wet, rest assured plastic and metal credit cards are meant to be waterproof.

Whatever your cleaning method, there are a couple rules of thumb to keep in mind. The first is to be gentle. Too much elbow grease or force may cause the card to wear down prematurely and could wipe away the ink. The second rule is to dry the card completely before you put it back in your wallet or use it.

Here are some effective ways to clean your credit cards:

Soap and Water

You can wash your credit card as you would your hands — with good old soap and water. Simply suds up your card with hand or dish soap and warm water, and gently clean for 20 seconds before rinsing it off completely. Wipe dry with a paper towel, soft rag, or lint-free microfiber cloth.

Rubbing and Isopropyl Alcohol

Both types of alcohol can be used to clean your cards. Simply wet a cotton ball, tissue, paper towel, or soft cloth with the alcohol and wipe the card. To remove stubborn gunk trapped around the raised letters or digits of your card, try using a cotton swab dipped in alcohol.

Antibacterial or Sanitizing Wipes

The same wipes you use to clean surfaces at home can also be used on your credit cards. These products work to rid your card of any bacteria and viruses hanging out on your credit or debit card.

Multi-surface household cleaner

An all-purpose cleaner will also do the trick of cleaning your card. It’s better to spray the solution onto a cotton ball, paper towel, or clean rag instead of directly onto your card. Vinegar, which also works as a household cleaner, is another option.

UV Light Sanitizer

These devices use ultraviolet light to kill any viruses and bacteria found on nonporous surfaces. Often used to kill germs on cell phones, many of these machines sanitize credit cards as well.

One caveat: If you have a credit card made of metal or a metal composite, you may need to follow a different cleaning regimen. Apple, for example, warns against applying certain products or methods when cleaning the titanium Apple Card. On the list are household or window cleaners, compressed air, ammonia, and abrasive cleaners. If you have a metal card and aren’t sure what material it’s made of, check with your credit card issuer before cleaning it.

How to Clean the Chip and Magnetic Strip on a Credit Card

There may be times when you insert a credit card into a chip reader or swipe it at the card reader machine, but can’t complete the transaction. This could be because your credit card’s chip or magnetic strip needs to be cleaned.

You might think getting the chip or strip wet would damage the card, but in reality, the chip reader and magnetic strip can be cleaned with the methods mentioned above. However, you don’t want to soak your card in any liquid — even soapy water — or scrub the chip or strip too hard. Doing so can damage it over time.

There are also ways to de-gunk a chip or strip that don’t involve cleaning products. For instance, after gently wiping off your card, you can use a rubber eraser to lift any remaining strip residue. Another option is to place a piece of clear tape over a dirty strip or chip and then peel it off.

5 Things to Avoid Doing When Cleaning a Credit Card

Not all cleaning methods are created equal. In fact, some could damage your card. Here are five to avoid.

1. Scrubbing with a rough sponge

You don’t need to apply too much pressure or scour your card with an abrasive sponge. Both could damage the card, especially the chip and magnetic strip.

2. Your washing machine

You might think throwing your card into the wash with your clothes is harmless. But the harsh chemicals found in most laundry detergents could do more harm than good. For one thing, they can cause the card’s protective coating to peel off.

3. Hand sanitizer

While hand sanitizer can work in a pinch, it isn’t the best product to use when cleaning off your card. The moisturizing ingredients in the gel or liquid can leave behind a residue.

4. Soaking in rubbing alcohol

While you can wipe down your card with rubbing alcohol, experts warn against submerging your card in it because it can be corrosive.

5. Using heat

Heat and hot water can kill off germs, but using very high temperatures to clean or sterilize your credit card can actually damage it. Using a blow dryer, a clothes dryer, or boiling water to blast off any germs can cause the card’s plastic to soften or warp.

Cleaning vs Disinfecting a Credit Card

Both cleaning and disinfecting your credit card are effective, but they aren’t synonymous, and one step should precede the other.

According to the Centers for Disease Control and Prevention, you should clean first and then disinfect. Why? Washing a surface before you do anything else removes impurities like dirt, whose presence may make it harder for the chemicals in sanitizers and disinfectants to reach and kill germs.

How Often Should Credit Cards Be Cleaned?

How often you should clean your card largely depends on how often you use it. Ideally, you should clean your credit cards after every use, though that can be difficult if you’re out and about and using your card at different places. Generally, aim to clean your card once a day if you use it regularly, or once a week if you don’t.

Recommended: 7 Tips to Help You Use Your Credit Cards Wisely

Other Credit Card Maintenance Tips

Your wallet can get pretty dirty, making it harder to keep your credit card clean. Try storing it in a plastic photo holder or a card protector sleeve. Your credit card company may have issued your card in one, or you can make your own by wrapping a credit card-sized piece of paper around the card and taping the ends together. Another option is to purchase a separate credit card holder.

You may also want to use contactless credit card payments, which allow you to avoid swiping or inserting your card into a reader. One way to do that is with a contactless credit card. These cards feature an icon that resembles the wi-fi symbol and let you “tap and pay” at a payment machine.

You may also decide to store your credit card in a mobile wallet, which is a virtual wallet that lives on your cell phone, smartwatch, or other mobile device.

Recommended: 11 Tips for Cleaning Up Your Finances

The Takeaway

Any time your credit card changes hands or is inserted into card readers and ATMs, it can pick up dirt and germs that can live on the surface for days or even weeks. Cleaning your credit cards regularly can help protect you from bacteria, viruses, and other germs. Using soap and water, rubbing alcohol, antibacterial wipes, or multi-surface household cleaners may all help you keep your card in tip top shape. Using a contactless credit card or mobile wallet are other ways to cut down on your card’s exposure to germs.

If you’re looking for a new credit card, consider a rewards card that makes your money work for you. With the SoFi Credit Card, you earn cash-back rewards on all eligible purchases. You can then use those rewards for travel or to invest, save, or pay down eligible SoFi debt.

The SoFi Credit Card offers unlimited 2% cash back on all eligible purchases. There are no spending categories or reward caps to worry about.¹

Take advantage of this offer by applying for a SoFi credit card today.

FAQ

Can credit cards survive being washed?

They can, as long as you use gentle methods and surface-friendly products. Things to avoid: using an abrasive sponge and scrubbing too hard; submerging your card in potentially corrosive liquids like rubbing alcohol; and running the card through the washing machine.

Why do people clean their credit cards?

Credit cards can accumulate dirt and germs whenever they change hands or are inserted into a card reader or ATM. Cleaning your credit cards gets rid of bacteria and viruses that can stay on your cards for a period of time. But it can also remove stubborn grime that can scrape or otherwise damage your chip or magnetic strip.

Can you clean a magnetic strip on a credit card?

You can clean a magnetic strip with soap and water, an antibacterial wipe, rubbing alcohol, a safe household cleaner, or a UV light sanitizer. You can even use a pencil eraser or a piece of clear tape to remove dirt from a magnetic strip.

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Photo credit: iStock/Khosrork

¹ When you elect to redeem rewards points as cash deposited into your SoFi Checking and Savings account, as a statement credit to a SoFi Credit Card account, as fractional shares into your SoFi Invest account, or as a payment toward your SoFi Personal Loan or Student Loan Refinance, your rewards points will redeem at a rate of 1 cent per point. For more details please visit the Rewards page. Brokerage and Active investing products offered through SoFi Securities LLC, member FINRA/SIPC. SoFi Securities LLC is an affiliate of SoFi Bank, N.A.

The SoFi Credit Card is issued by SoFi Bank, N.A. pursuant to license by Mastercard® International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

SoFi cardholders earn 2% unlimited cash back rewards when redeemed to save, invest, or pay down eligible SoFi debt. ¹
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

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

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If Cincinnati isn’t on top of your list of places to visit, reconsider! This is a vibrant, bustling city along the banks of the Ohio River with an abundance of attractions to enjoy. There are festivals, parks, museums, and historical sites to explore. Plus, you will definitely eat and drink well (Cincy is also well known for its eighty-plus breweries).

Whether you have just a weekend or a longer stay in mind, the city will have plenty to keep you busy. Here, you’ll learn the details on 10 cool things to do in Cincinnati, as well as tips to make planning and paying for your trip that much easier.

Ready to explore the best things to do in Cincinnati? Read on.

Best Times to Go to Cincinnati

Cincinnati has warm summers that typically don’t get scorchingly hot, as well as reasonably temperate spring and fall seasons. Those can be the prime seasons to visit.

Located in the southwest corner of Ohio, winters can be warmer than Ohio towns and cities further north, but they can get quite cold, snowy, and icy. In general, April through October is the best time, weather-wise, to plan a trip.

If you enjoy attending festivals, Cincinnati has plenty in the summer and early fall. So, choose ones of interest and plan accordingly. Some of the more popular festivals include:

•   Oktoberfest oktoberfestzinzinnati.com/

•   Cincinnati Music Festival www.cincymusicfestival.com/

•   Bunbury Music Festival bunburyfestival.com/

•   BLINK, a light and art festival in October blinkcincinnati.com/

If sports games are more your thing, check the schedules of the Cincinnati Reds MLB team and the Bengals NFL teams — or one of the many played by students at the University of Cincinnati.

If these fun things to do in Cincinnati have captured your attention, you may want to decide where to keep a travel fund and start saving.

Bad Times to Go to Cincinnati

You’ve already read that winters can be, well, wintery and perhaps not the best time to visit. If you’d like to walk around and enjoy the sights, you may be put off by the low temperatures and how roads can be snow clogged and slippery during that season.

Also, Cincinnati can experience traffic congestion, especially downtown. Hectic times can include opening days for the sports teams or when a big game is about to be played — or during an in-demand festival. So if you’re not planning to attend any of these events, consider avoiding those dates when downtown is likely to be especially crowded.

Also investigate the status of the bridge over the Ohio River that connects Cincinnati, Ohio to Kentucky. When there is bridge construction or people are traveling to Kentucky in higher numbers, traffic can get backed up into downtown Cincinnati.

Average Cost on a Cincinnati Vacation

On average, a trip to Cincinnati costs a solo traveler $146 a day or $1,025 weekly. Plenty of factors impact the price, however. If driving, gas prices play a role. If flying, knowing how to get cheap flights can reduce your costs.

Hotels range from budget inns to luxurious lodging with in-demand amenities and luxury add-ons, and restaurants can be quick bites at a fast food establishment or an indulgent meal at a steakhouse.

What you choose will of course affect the prices. To help with financial planning, consider your credit card rewards and how you can leverage them to splurge.

If some of things to do in Cincinnati, Ohio for couples catch your eye, know that an average Cincy hotel price for two is $163. Knowing how to save money on hotels can help to cut back the average weekly cost of $2,050 for two.

10 Fun and Affordable Must-Dos in Cincinnati

Cincinnati is an intriguing city with highly enthusiastic sports fans alongside those who have a passion for art and culture (and those who love both!). Not surprisingly, then, the things to do in Cincinnati, Ohio are quite diverse: art, nature, and history venues as well as dining, shopping — and even world-class amusement park experiences.

Here, you’ll find a list of 10 fun things to do in Cincinnati, gathered from top-ranking online reviews as well as city-smart travelers.

1. Visit the Cincinnati Zoo & Botanical Garden

Founded in 1873, this highly rated zoo is the second-oldest one in the United States. Although the initial collection of animals was quite small (including a talking crow), today’s zoo will introduce you to gibbons, gorillas, lemurs, manatees, hippos, and more. An international leader in wildlife conservation, this zoo is now one of the country’s largest and can be a terrific place to spend some time while in Cincinnati. cincinnatizoo.org/

2. Tour a Massive Museum

The Cincinnati Art Museum is one of the oldest in the country — and quite large with more than 67,000 pieces of art that span 6,000 years of creativity. The collection ranges from African and East Asian art to contemporary American works, European sculptures, musical instruments, and so much more. cincinnatiartmuseum.org/

3. Take a Walk in the Park

After touring the art museum, step outside! You’ll find yourself in Eden Park with the Hinkle Magnolia Garden, Mirror Lake, walking paths, eye-catching sculptures, playgrounds, and more. The grounds are also home to the Cincinnati Playhouse in the Park, the Krohn Conservatory, outdoor concerts — and an incredible view of the Ohio River with Kentucky located just on the other side. This can be a great place to spend a couple of hours if you’re traveling with a pet, plus it’s a free thing to do in Cincinnati. cincinnati-oh.gov/cincyparks/visit-a-park/find-a-parkfacility/eden-park/

4. Appreciate More Art

The Taft Art Museum is a terrific journey back in time. Housed in an 1820 National Historic Landmark that’s a treat to visit, the art collection includes French Renaissance enamels, Chinese porcelain, European and American paintings, and more. You’ll view works by Rembrandt, Goya, Whistler, and other prominent artists. taftmuseum.org/

5. Go for a Ride

When looking for fun things to do in Cincinnati, put Kings Island on the list! There are big-time roller-coaster adventures plus three dozen water slides. If you’re traveling with children, there are thrills for the smaller set, such as the Planet Snoopy kiddie rides. Plus, you’ll find plenty of mouthwatering in-park dining options along with quality live entertainment to applaud.

Look for coupons online or check with your hotel’s concierge; discounts can be a way for families to afford to travel. visitkingsisland.com/

6. Immerse Yourself in History

Located near the banks of the Ohio River — a geographic feature that once divided states where slavery was legal from those where it wasn’t — the National Underground Railroad Freedom Center contains permanent and traveling exhibits. Visitors will learn about this challenging time in history and the heroes of the Underground Railroad. freedomcenter.org

Across the street, there’s a sign spelling “Cincinnati” in script with plenty of people taking selfies there before they go.

7. Watch a Baseball Game

Also located by the Ohio River, this is the stadium for America’s first professional baseball franchise, the Cincinnati Reds. So, if in town on a game day, buy tickets! You’ll walk by a statue of the Hall of Fame baseball catcher, Johnny Bench, and can visit the Reds Hall of Fame and Museum to celebrate the glory days of the Big Red Machine and more. Plenty of exhibits exist, including interactive ones, and players sometimes schedule personal appearances. mlb.com/reds/ballpark

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8. Stroll Around an Arboretum

Although cemeteries aren’t typically on a vacation list, Spring Grove Cemetery and Arboretum is one of only two historic cemeteries to achieve Level III arboretum standards. Its stunning gardens focus on Midwest natives along with non-indigenous species with a focus on demonstrating the “vital relationship that exists between plants and people.” springgrove.org/arboretum/

9. Get Acquainted with an Aquarium

From white alligators to stingrays to penguins, the award-winning Newport Aquarium offers unique views of thousands of types of exotic aquatic life, along with amazing interactive adventures. Cross the world’s first rope bridge above a tank full of sharks, explore a sunken ship at “Shipwreck: Realm of the Eels,” and much more. newportaquarium.com/

10. Eat Well (Really Well)

If you are looking for delicious things to do in Cincinnati, Ohio, for couples or a family, stop by the Findlay Market. This is the state’s oldest surviving municipal market house. A huge range of good eats are available; if one of you is vegan and the other isn’t, no problem! There is something for everyone here: pho, arepas, BBQ, and more. Maybe take one of the market’s walking tours so you don’t miss anything. findlaymarket.org/

A Note About Getting Around

Although it’s not totally true that all of Cincinnati attractions are located downtown, many of them are. So, keep that in mind while engineering your itinerary for each day and when seeking convenient lodging.

•   If you want to avoid highly trafficked places to stay, spread out from the downtown area when looking for options, perhaps into Kentucky.

•   Although most attractions are open year round, check to ensure the ones you want stay open through the winter.

•   Consider the streetcar with its eighteen downtown stops if you’d like to see key places without having to drive.

•   If the attractions you want to see are quite far apart, you might look into renting a car to make sure you hit all the highlights.

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The Takeaway

Fun things to do in Cincinnati take place throughout the year, depending upon your interests. Plenty of options exist for people who love art, nature, sports, music, food, and much more. Most festivals take place in summer and early fall, while football fun extends the fun of visiting further into the year. Whether you are traveling solo, with friends, or with family, you are likely to have more top things to do in Cincinnati than you can pack into a single trip.

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

SoFi Travel can take you farther.

FAQ

What foods is Cincinnati famous for?

Chili! A Greek family brought its special recipes to the United States in 1949, and its been loved by Cincinnati residents and visitors ever since. This is also the city for beer lovers with its eighty-plus breweries and nightlife spots. Need a third one? Ice cream!

Is Cincinnati in two states?

Although you may hear portions of Kentucky and Indiana referred to as part of the greater Cincinnati metro area, the actual city lies within the geographical boundaries of just one state: Ohio.

Can you walk in downtown Cincinnati?

Yes! Cincy is a walkable city, and it isn’t unusual to see significant numbers of people strolling by on the sidewalks as well as in parks and other venues.

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Photo credit: iStock/pawel.gaul

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

Terms, and conditions apply: The SoFi Travel Portal is operated by Expedia. To learn more about Expedia, click https://www.expediagroup.com/home/default.aspx.
When you use your SoFi Credit Card to make a purchase on the SoFi Travel Portal, you will earn a number of SoFi Member Rewards points equal to 3% of the total amount you spend on the SoFi Travel Portal. Members can save up to 10% or more on eligible bookings.
Eligibility: You must be a SoFi registered user. You must agree to SoFi’s privacy consent agreement. You must book the travel on SoFi’s Travel Portal reached directly through a link on the SoFi website or mobile application. Travel booked directly on Expedia's website or app, or any other site operated or powered by Expedia is not eligible. You must pay using your SoFi Credit Card.
SoFi Member Rewards: All terms applicable to the use of SoFi Member Rewards apply. To learn more please see: https://www.sofi.com/rewards/ and Terms applicable to Member Rewards.
Additional Terms: Changes to your bookings will affect the Rewards balance for the purchase. Any canceled bookings or fraud will cause Rewards to be rescinded. Rewards can be delayed by up to 7 business days after a transaction posts on Members’ SoFi Credit Card ledger. SoFi reserves the right to withhold Rewards points for suspected fraud, misuse, or suspicious activities. ©2023 SoFi Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender. NMLS #696891 (Member FDIC), (www.nmlsconsumeraccess.org).
SoFi cardholders earn 2% unlimited cash back rewards when redeemed to save, invest, or pay down eligible SoFi debt. ¹
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

The SoFi Credit Card is issued by SoFi Bank, N.A. pursuant to license by Mastercard® International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

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

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

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

Best Times to Go to New York City

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

Bad Times to Go to New York City

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

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

Average Cost of a New York City Vacation

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

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

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

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A Few Notes on Financing Your Trip

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

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

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

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

10 Fun Must-Dos in New York City

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

A couple of quick notes:

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

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

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

1. Explore Central Park

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

2. See the Skyscrapers

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

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

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

3. Scoot over to the Statue of Liberty

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

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

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

4. Discover the Heart of Midtown Manhattan

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

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

5. Visit the National September 11 Memorial and Museum

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

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

6. Stroll Along the High Line

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

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

7. Be Amazed at the Metropolitan Museum of Art

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

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

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8. See a Broadway Show

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

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

9. Get Acquainted with a Big City Garden

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

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

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

10. Find a Food Hall

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

The Takeaway

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

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

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

FAQ

What free things can I do in New York?

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

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

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

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

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

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Photo credit: iStock/bloodua

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

Terms, and conditions apply: The SoFi Travel Portal is operated by Expedia. To learn more about Expedia, click https://www.expediagroup.com/home/default.aspx.
When you use your SoFi Credit Card to make a purchase on the SoFi Travel Portal, you will earn a number of SoFi Member Rewards points equal to 3% of the total amount you spend on the SoFi Travel Portal. Members can save up to 10% or more on eligible bookings.
Eligibility: You must be a SoFi registered user. You must agree to SoFi’s privacy consent agreement. You must book the travel on SoFi’s Travel Portal reached directly through a link on the SoFi website or mobile application. Travel booked directly on Expedia's website or app, or any other site operated or powered by Expedia is not eligible. You must pay using your SoFi Credit Card.
SoFi Member Rewards: All terms applicable to the use of SoFi Member Rewards apply. To learn more please see: https://www.sofi.com/rewards/ and Terms applicable to Member Rewards.
Additional Terms: Changes to your bookings will affect the Rewards balance for the purchase. Any canceled bookings or fraud will cause Rewards to be rescinded. Rewards can be delayed by up to 7 business days after a transaction posts on Members’ SoFi Credit Card ledger. SoFi reserves the right to withhold Rewards points for suspected fraud, misuse, or suspicious activities. ©2023 SoFi Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender. NMLS #696891 (Member FDIC), (www.nmlsconsumeraccess.org).
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

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

SoFi cardholders earn 2% unlimited cash back rewards when redeemed to save, invest, or pay down eligible SoFi debt. ¹
The SoFi Credit Card is issued by SoFi Bank, N.A. pursuant to license by Mastercard® International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

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