What Is a FICO Score? FICO Score vs Credit Score

What Is a FICO Score? FICO Score vs Credit Score

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

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

What Is a FICO Score?

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

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

Is a FICO Score the Same as a Credit Score?

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

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

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

FICO Score vs Credit Score: Which Is Better?

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

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

FICO vs VantageScore

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

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

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

•   Payment history: 35%

•   Credit utilization rate: 30%

•   Length of credit history: 15%

•   Mix of your credit accounts: 10%

•   New credit accounts: 10%

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

•   Payment history: Extremely influential

•   Credit utilization: Highly influential

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

•   Amounts owed: Moderately influential

•   Recent credit behavior: Less influential

•   Available credit: Less influential

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

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

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

What Affects Your FICO Score?

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

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

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

How Do I Get a FICO Score?

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

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

The Takeaway

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

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

SoFi’s Personal Loan was named NerdWallet’s 2024 winner for Best Personal Loan overall.


Photo credit: iStock/Lyndon Stratford

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

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.


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.

SOPL0223002

Read more

Top 10 Fun Things to Do When Visiting Phoenix

If you’re searching for a warm weather escape, there aren’t many places in the U.S. that can beat the enchanting desert landscape of Phoenix, Arizona. The city also offers an enticing array of parks, museums, and art walks, not to mention excellent dining and entertainment. If you love being outdoors, whether to golf, hike, or catch a baseball game, Phoenix can be a terrific destination.

To help you get the most out of a vacation in Phoenix, read on to learn:

•   When is the best (and worst) time to visit Phoenix

•   What are the best things to do in Phoenix

•   How much it can cost to visit Phoenix

Best Times to Go to Phoenix

Phoenix is known for year-round warm weather, but early spring and late fall can be excellent times to visit. Temperatures range from 53 to 77 degrees in March and 60 to 85 degrees in April. That’s a balmy range if you want to sit and watch baseball spring training, which is in full force. The temperature is just right for golfing, hiking, or visiting local attractions, too. You may also find the city smells like orange blossoms and bougainvillea, further heightening the allure of this Arizona city.

Even if you’re traveling during Phoenix’s well-known “always sunny” weather, it’s still wise to think about travel insurance. This can protect you if the unexpected happens. You may get credit card travel insurance automatically; check with your card issuer for details.

Bad Times to Go to Phoenix

There’s no doubt about it: Phoenix can be unbearably hot in the summer months. The average high temperature is over 100 degrees from June through September. The heat may make you want to stay indoors with the air conditioning cranking, but then you’d miss out on many of the great things a Phoenix vacation has to offer.

However, if you do decide to brave the Phoenix heat for summer travel, you may find lower prices than you would any other time of the year.

Average Cost of a Phoenix Vacation

According to Budget Your Trip, a website that collects and publishes data on real costs from other travelers, the cost of a Phoenix trip for one person for the week is about $1,310. The same trip for two people comes to $2,621.

Some costs you might expect to see include:

•   Average hotel costs for two people per night: $225

•   Average transportation cost per day: $28

•   Average food costs per day: $42 per person

•   Average entertainment costs per day: $32 per person

Of course, savvy travelers can find ways to cut costs. For instance, you can often save money on hotels if you sign up for the accommodation’s member program. Or you might find a discount if you have a Costco, AAA, or AARP membership.

If you’re good with credit card rewards, you may be able to save a substantial amount by redeeming points or miles for your flight or hotel.

You may also be able to redeem credit card rewards if you’re renting a car, which can make exploring all the cool things to do in Phoenix more affordable.

10 Fun Must-Dos in Phoenix

Phoenix is a large metro area located in the Sonoran desert, known for its red cliffs, iconic saguaro cacti, and hummingbirds flitting about. Many of the top things to do in Phoenix are actually located in adjacent cities such as Scottsdale, Tempe, and Mesa.

Here are some of the highlights of visiting this stunning area in the Southwest, as well as some budget options if you’re wondering how families afford to travel to Phoenix.

1. Visit The Musical Instrument Museum

The Musical Instrument Museum gets an enthusiastic round of applause from visitors. With more than 6,000 reviews, travelers give the museum 4.9 out of 5 stars, the highest rating in the Phoenix area. The museum takes a fascinating look at the history and cultures behind musical instruments. Attractions include family-friendly activities, such as the Experience Gallery, where visitors can try out instruments (drums, guitars, harps) from around the world. MIM.org/

Like museums? Check with your hotel’s concierge to see if they have discounts available. If you can’t lower the cost of entry, you might charge the admission fees to your travel credit card or cash back rewards credit card and at least earn some points or cash back to use on future vacations.

Recommended: Where to Find Book Now, Pay Later Vacations

2. The Desert Botanical Garden

If you want to know what makes the desert unique, the Desert Botanical Garden can show you 50,000 reasons. That’s how many varieties of plants you’ll see as you stroll the grounds; you’ll encounter wildflowers, fragrant herbs, and a forest of organ pipe cacti. You might also enjoy a seasonal visit to the Butterfly Pavilion or taking one of the photography, cooking, and gardening classes offered through the Desert Botanical Garden. DGB.org/

Traveling with a pet? Sync up with the garden’s Dog Days so your doggo can join you as you explore the

3. Play Golf

If you’re longing for the manicured green of a golf course surrounded by palm trees and water features, you’ll have more than 200 golf courses in the Phoenix area to choose among. With nary a day below freezing and minimal rain, golf is a popular pastime in the sunny city. The shoulder seasons, in particular, are excellent for enjoying a tee time on the green. VisitPhoenix.com/things-to-do/outdoors/golf/

4. Tour Taliesin West

Lovers of architecture, design, and history may want to head over to American architect Frank Lloyd Wright’s winter home, Taliesin West, in Scottsdale (a city adjacent to Phoenix). Taliesin’s architecture is embedded into the desert landscape in unique structures made of desert rocks, concrete, and sand, expressing Lloyd Wright’s pioneering low-slung Prairie Style. Views of the city and Camelback Mountain help visitors see the architect’s vision for immersing organic architecture in the landscape.
FrankLloydWright.org/taliesin-west/

5. Catch a Baseball Game During Spring Training

Fifteen major league baseball teams make Arizona their home during the month of March. There are games every day, sprinkled across 10 smaller stadiums in an energizing, “here comes the summer” atmosphere. Young players try to make a name for themselves, and veteran players prepare for the upcoming baseball season. It’s an exciting way for fans to see MLB stars in an up-close and personal way. VisitArizona.com/experiences/sports/springtraining/

6. Hike a Mountain and Enjoy the Views

A good, brisk hike before the heat hits is one of the best free things to do in Phoenix, not to mention an invigorating way to start the day. You’ll see the desert colors on display and wonder why you don’t move here. There are some urban hikes that end with great views you may want to try.

•   Camelback Mountain. Camelback is a steep hike with rewarding views at the end. It’s an interesting hike, but it’s also unprotected from the sun and very difficult. Hikers should be more experienced and go when temperatures are cooler. ClimbCamelback.com/

•   South Mountain Park and Preserve. South Mountain has more than 50 miles of trails. Panoramic views from Dobbins Lookout can be accessed from hiking trails and by road if you’re not in the mood to hoof it. Phoenix.gov/parks/trails/locations/south-mountain

•   Papago Park. Papago has easy, level trails perfect for biking and hiking. The short hike up to the fun “Hole-In-The-Rock” has excellent views of the park and the city. Phoenix.gov/parks/trails/locations/papago-park

7. Stroll Old Town Scottsdale

Downtown Scottsdale is an experience. A stroll down Main Street takes you past galleries, museums, restaurants, boutiques, and bars in a charming, pedestrian-friendly cityscape. A walk through Wonderspaces Arizona is one of the most unique things to do in Phoenix. It’s an immersive and interactive art exhibit with a full bar for end-of-day and evening fun. Arizona.Wonderspaces.com/

8. Explore the Desert Landscape

One of the top things to do in Phoenix includes exploring the desert landscape by horse, Jeep, or ATV. A guided trail ride takes you through the memorable landscape of the Southwest. Tours are highly rated and often top lists of fun things to do in Phoenix.

Recommended: Where to Keep Your Travel Fund

9. Visit a Water Park

To beat the heat, visit one of the many large and feature-rich water parks of Phoenix. You can ride the waves in a 2.5-million gallon wave pool, play bumper cars in the water, ride on spinning-tube and roller-coaster water slides, and float down the lazy rivers. Some of the best water parks around Phoenix include:

•   Golfland Sunsplash in Mesa (Golfland.com/mesa/)

•   Six Flags Hurricane Harbor Phoenix (SixFlags.com/phoenix)

•   Oasis Water Park (ArizonaGrandResort.com/oasis-water-park/)

10. Learn Country Western Dancing

If you’re looking for more unique things to do in Phoenix, try country western dancing. There are a number of bars with dance floors; some even have free lessons certain days of the week. Try out your hoedown throwdown moves at:

•   Dierks Bentley’s Whiskey Row in Scottsdale (DierksWhiskeyRow.com/scottsdale-az/)

•   Rusty Spur Saloon in Scottsdale (RustySpurSaloon.com/)

•   Handlebar J BBQ Restaurant & Bar in Scottsdale (HandlebarJ.com/)

•   Buffalo Chip Saloon in Cave Creek (BuffaloChipSaloon.com/)

•   Denim and Diamonds in Mesa (DenimandDiamondsMesaAZ.com/)

•   The Stillery (TheStillery.com/happyvalley)

•   Harold’s Cave Creek Corral in Cave Creek (HaroldsCorral.com/)

The Takeaway

No matter what you decide to do, you’ll likely enjoy your Phoenix vacation (as long as you go before the blazing heat hits). There’s a reason travelers return again and again to this destination. Warm weather, beautiful landscapes and outdoor activities, shopping, and museum-hopping are just a few of the reasons why this Arizona city is such a popular destination.

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


SoFi, your one-stop shop for travel.

FAQ

What is Phoenix famous for?

Tourists love visiting Phoenix for the warm, sunny weather, the beautiful landscapes to explore, and the exciting city attractions, such as museums and nightlife.

What is the number one attraction in Phoenix?

The Desert Botanical Garden and the Musical Instrument Museum both frequently top ratings and traveler lists for the title of the top attraction in Phoenix.

How can I spend three days in Phoenix?

Do what you love best for three days. Many tourists enjoy spending time outside. Golf courses are ubiquitous, Papago Park and the Desert Botanical Garden are worth a visit, and downtown Scottsdale makes for a fun stroll. Other favorite destinations: Camelback Mountain for a hike, MLB Spring Training, and waterparks.


Photo credit: iStock/Kruck20

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).


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.

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.

SOCC0223020

Read more

What to Do If You Get Sick on Vacation

No one wants to get sick while on vacation, but sometimes, the unexpected happens. Not only can falling ill on your vacation throw a major wrench in your travel plans, it can be stressful and scary, especially if you’re in a foreign country where you don’t speak the language and medical facilities may not be what you are used to back home.

The best thing you can do before you leave is to prepare in case you do get sick on vacation. Knowing what items and information to bring with you, where you can seek a doctor’s care, and how you might pay for unforeseen medical expenses can help provide peace of mind.

Read on to learn:

•   What illnesses are going around these days

•   Important items to bring with you in case you get sick on your trip

•   Where to turn for help and medical care if you fall ill

•   Self-care tips you can use if you experience sickness on vacation.

What’s Going Around These Days

Whether you’re traveling domestically or internationally, you’ll want to know what illnesses are circulating in your destination so you can protect yourself. For example, one of these precautions may be making sure you get the appropriate vaccinations or that your usual shots are completely up to date. That can help prevent you from getting sick on vacation, because who wants to spend their week at the Outer Banks or Oahu coughing and sneezing?

Currently, there are some illnesses currently going around that all travelers should be aware of:

•   COVID-19. Though we may not be hearing about coronavirus in the news every day, it’s still circulating around the world. According to the World Health Organization, SARS-CoV-2, the virus that causes COVID-19, continues to evolve and circulate.

•   Respiratory Syncytial Virus Infection (RSV). This common respiratory virus, which typically causes mild, cold-like symptoms, has been on the rise in the U.S. for over a year. In some cases, RSV can cause serious lung infections, which is particularly dangerous for infants, older adults, and people with serious medical issues.

•   Norovirus. The very contagious norovirus causes nausea, vomiting, and diarrhea. Talk about ruining a vacation! Cases have increased in the U.S., Canada, and the U.K. this year. You can catch norovirus from eating or drinking contaminated food or water or by touching a contaminated surface like a light switch or doorknob and then touching your mouth with unwashed hands. This germ has been known to circulate on cruise ships.

•   Polio. There are some global destinations where polio is circulating, including Canada, Israel, and the U.K. The Centers for Disease Control and Prevention recommends that, before embarking on international travel, people should be up to date on their polio vaccines. They also advise that adults in the U.S. who previously completed the full, routine polio vaccine series receive a single, lifetime booster dose of polio vaccine.

•   Strep A. If you’re traveling with children or teens, you’ll want to know about Strep A, a very contagious infection in the throat or tonsils caused by group A Streptococcus bacteria. Strep A most commonly causes strep throat but can also cause skin infections and scarlet fever, among other more severe infections. According to the CDC, cases of Strep A have increased among children in the U.S. A rise in Step A cases has also been reported since late last year in Australia and some European countries.

Why You May Get Sick on Vacation

Have you ever wondered, “Why do I get sick on vacation?” There are some very good reasons why you may start to feel under the weather or contract some type of sickness while traveling.

•   As mentioned above, if you travel to a destination where a certain illness is circulating, you might pick it up.

•   The fatigue and jet lag you may experience while traveling can potentially impact your ability to fight off various germs. According to the Sleep Foundation, lack of sleep can also affect your immune system, making you more susceptible to getting sick.

•   You can also get sick on vacation from eating foods or drinking water that may be contaminated. Doing so can result in traveler’s diarrhea and other serious conditions such as E. Coli and Hepatitis A.

•   You might dine on unfamiliar food that’s spicy or cooked differently than you are used to. This can cause gastrointestinal distress.

•   The risk of injuries may go up while you’re vacationing. Being unaware of your surroundings, engaging in higher levels of physical activity, or driving an unfamiliar rental car can all lead to accidents.

Things to Do Before You Leave

Besides the usual pre-vacation chores, such as packing and booking a dog or cat sitter (unless you’re traveling with your pets), you’ll want to add some items to your to-do list. Before you head off on your getaway, consider taking these steps to ensure you’ll have a healthier trip:

•   Check in with your doctor. Make sure you’re up to date with all of your vaccines and you get any mandatory immunizations if you’re visiting a country that requires them. If you have underlying health conditions, discuss with your doctor and get any necessary clearance from them that it’s okay to travel. Are you traveling with kids? Do the same with the pediatrician.

•   Contact your health insurance company. If you’re traveling abroad, find out if your plan covers any medical expenses you may incur in another country.

•   Look into getting traveler’s insurance. ​​This type of insurance protects travelers against any financial losses occurring during their trip. It can even protect you before you travel, for instance if you have an emergency, such as getting seriously ill.

You can find traveler’s insurance through individual companies, travel agents, and insurance comparison sites, but you may also be able to get it through your credit card. Many cards offer credit card travel insurance, often for free, to cover any medical expenses or trip mishaps such as lost luggage or an unexpected trip cancellation. Check with your credit card company to find out if it’s offered and what it covers.

Some travel credit cards and airline credit cards offer different types of travel insurance. This can wind up being a valuable aspect of credit card rewards.

•   Be prepared financially. Besides making sure you’ve got your credit cards, it’s a good idea to sock some money away in a travel fund account. You may need access to extra cash via your debit card if you end up with unexpected healthcare costs. Or you might need to stay an extra night at your hotel, be it in Baltimore or Boca, if you are too sick to travel.

•   Leave your medical information with loved ones. In case of an emergency, it’s a good idea for friends or family to have all your crucial medical information. Make a list of the medications you take, your doctors’ contact information, allergies you may have, your blood type, your health insurance details, and any other pertinent information such as specific health conditions you have.

Recommended: Credit Card Miles vs. Cash Back: Guide to Choosing

What to Pack in Case You Get Sick

Having certain necessities and creature comforts in your suitcase can keep your vacation from becoming miserable if you get sick. Here are things to bring with you to offer relief, peace of mind, and save you a trip to the pharmacy or a doctor while you’re away:

•   Medications: The last thing you want to do is leave behind your prescription medications. Be sure you pack them in your carry-on or purse instead of your checked luggage in case it gets lost. Double-check you’ve got enough to last throughout at least the duration of your trip.

It’s also a good idea to include some basic over-the-counter remedies too, including pain relievers, cold and flu medication, antacids, motion-sickness pills, antihistamines, and antidiarrheal and anti-nausea drugs.

Be aware that many countries have restrictions on what medications you can bring in through customs. The U.S. Department of State recommends visiting the International Travel Country Information page. There, you can find the contact information for your destination’s embassy or consulate and visit their website to learn what drugs or supplies may be prohibited.

•   Heating pad: Easy to pack in your baggage, a heating pad can ease cramps or sore muscles.

•   Medical supplies: In case of emergency, make sure you pack important medical items such as a medical alert bracelet or necklace, contact lenses or glasses, inhalers, EpiPens, diabetes testing equipment, and insulin supplies.

•   Hand sanitizer and/or antibacterial wipes.

•   Face masks: Experts say non-surgical N95s and KN95s offer the best protection. Have an ample supply of face masks on hand to wear on flights and in any other crowded environments, especially in places where COVID-19 rates are still high.

•   Water purifying or disinfecting tablets: These tablets can be used to kill harmful microorganisms in water. You can also opt for buying bottled water.

•   First-aid kit: Create your own with antibacterial or antifungal ointments, 1% hydrocortisone cream, a digital thermometer, bandages or adhesives, aloe gel for sunburns, insect bite anti-itch cream, and an antiseptic wound cleaner.

•   Health insurance information and other documentation: The CDC recommends having the following paperwork with you while you’re on vacation: copies of your passport, travel documents, all prescriptions, health insurance card, proof of any required vaccinations or shots, and a contact card. Your contact card should list phone numbers, email addresses, and street addresses of family members and other people designated as emergency contacts back home.

Self-Care If You Start Feeling Sick

In the event you begin to feel sick on your vacation, be honest with how you’re feeling. It can be tempting to try to ignore what’s going on so you don’t disrupt your trip, but you may only make things worse.

If your symptoms feel relatively mild, such as having the sniffles, sneezing, or mild indigestion, there’s probably no reason to rush to seek medical care. Hopefully, you’ve packed basic OTC meds and can treat your symptoms.

However, if you fall seriously ill or sustain an injury, it’s important to seek medical attention right away. Find a local doctor’s office, clinic, or hospital to get checked out. Talk to your hotel’s concierge to see if there’s a doctor on-site or one that makes house calls for guests. If you’re on a cruise, rest assured all major cruise lines typically have a ship’s medical center, staffed by credentialed doctors and nurses.

Tips on How to Deal If You Get Sick Overseas

Becoming ill while you’re visiting another country can be challenging. There may be language barriers and depending on your location, limited access to medical care. You may also feel unsure of the quality of healthcare you’ll get.

Here’s some ways you can deal with illness if you’re in a foreign country:

•   Seek medical care if you need it. It can be tempting to go without seeing a doctor because you’re afraid of the cost or you’re unsure of the country’s medical system. However, if you’re very sick or injured, you may not have a choice. Airlines have the right to refuse sick passengers so it’s best to get treatment before you go home.

•   Get in touch with your insurance company. Find out if they cover emergencies abroad, and see if they can refer you to a local healthcare provider.

•   Reach out to the nearest U.S. Embassy or Consulate. They can give you a list of providers and medical facilities in the area, help you find medical assistance if you’re seriously ill, inform your loved ones back home, and help transfer funds to you. The number 888-407-4747 can help you connect with a U.S. Embassy or Consulate while abroad.

•   Visit a public or government-run hospital if you’re worried about cost. Depending on which country you visit, medical care at public or government-run hospitals for tourists may be low-cost or, in rare cases, free, compared to a private one.

•   Search for a global clinic. The International Society of Travel Medicine provides online locations for clinics in more than 90 countries. These clinics offer counseling and medicines to help protect people while traveling internationally.

As mentioned earlier, you can also ask hotel management if there’s a doctor who makes house-calls. Don’t forget the power of networking either. Know anyone who lives in your destination country, or do you have a friend who does? Ask for personal recommendations. Your Airbnb host, if you have one, may also be able to offer help and suggest reputable doctors in the area.

Recommended: Guide to Saving Money on Hotels for Your Next Vacation

The Takeaway

Getting injured or sick during vacation is the last thing anyone wants. But if it does happen, preparation is key and can save you a significant amount of worry and stress. Knowing what to pack, where to seek medical help, and how to take care of yourself if illness strikes gives you a roadmap for what to do if your holiday takes an unhealthy turn.

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


SoFi, your one-stop shop for travel.

FAQ

How do I make sure I don’t get sick on vacation?

There are many ways you can avoid coming down with something while you’re away. Get adequate rest and sleep in the weeks and days before your trip, wash your hands frequently, and steer clear of other sick people whenever possible. Travel with any prescription drugs or over-the-counter medications you may need, such as pain relievers or antihistamines.

Is it normal to get sick on vacation?

Getting sick isn’t uncommon. The stress of traveling along with jet lag can impact your immune system, making it harder for your body to fight off some infections or viruses. Eating or drinking contaminated food and water can also cause you to get sick. Traveling in close quarters such as on a plane or a train, where there may be other ill people, can boost the chances you can catch something by touching a contaminated surface or just breathing the air.

If I’m sick before I leave, should I cancel my vacation?

You’ll definitely want to talk to your doctor before you make any decisions. But many health experts advise rescheduling or delaying your trip if you’re sick, especially if you’ve got a fever. While it might seem minor, even having a common cold may be a reason to rethink your vacation. Why? Flying can exacerbate symptoms of respiratory illnesses. Being sick can also endanger other passengers around you. You should absolutely not travel if you have tested positive for COVID-19, says the Centers for Disease Control and Prevention.


Photo credit: iStock/AntonioGuillem

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.

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.

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

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.

SOCC0323031

Read more

Top 10 Fun Things to Do on a Denver Vacation Trip

With its whoop-it-up Western heritage, outstanding sports and concert venues, and just about any outdoor activity you might want to try, the city of Denver is full of fun things to do. And it’s all set against the breathtaking backdrop of the Rocky Mountains.

The problem is whittling down all that good stuff to a manageable itinerary of absolute must-sees. You could have an amazing time just focusing on bucket-list items, like the Red Rocks Amphitheatre and Coors Field. Or you might use your time in Denver to go hiking, shopping, or history hunting at the city’s memorable museums.

The best answer, we think, is to do a little of everything. So we gathered tips and picks from locals and seasoned travelers to build a list of can’t-miss adventures.

Best Times to Go to Denver

The weather in Denver can be unpredictable. You might have snow in early spring and temps in the 70s in winter. If pleasant weather is a priority, you may want to stick to the “shoulder” seasons — from April to May and September to October — for your visit. But you’ll also want to consider the sites you plan to see and the best time of year for your favorite activities, whether that’s hiking, sightseeing, hitting the slopes, or hanging at the ballpark.

Bad Times to Go to Denver

There really is no wrong time to go to Denver. It’s more a matter of personal preference. The winters can be cold, but that’s what you’ll want if skiing is on your itinerary. And though summer days can get pretty hot, and the city is more crowded with tourists, it can be a great time to go to a concert, ballgame, or museum.

Average Cost of a Denver Vacation

The cost of a vacation in Denver can vary significantly, depending on how long you visit, when and where you stay, and how you get there. Travel sites put the average cost of a weeklong trip at about $1,200 to $2,300 for solo travelers and $2,400 to $3,750 for a couple. (If you’re traveling with your kids or a four-legged friend, the cost can be significantly more.)

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

Getting There

Roundtrip airfare to Denver can range from $250 to $600 or more, depending on where you’re flying from and when you’re traveling. Driving can end up costing about the same, or even more if you have to stop at a hotel for a night or two.

Given the weird weather, don’t forget to look into your credit card travel insurance, just in case your flight is canceled.

Recommended: How to Access Fancy Airport Lounges

Accommodations

If you’re willing to stay at a budget hotel or somewhere outside the city, you may be able to save some serious money. Otherwise, expect to pay about $150 to $600 per night for a mid-range to luxury hotel close to downtown Denver.

Transportation

Although there are many fun things to do right in downtown Denver, if you want to drive into the foothills or the mountains, you may have to rent a car. A mid-size SUV could cost about $65 to $85 per day.

Dining

The average spend per person for food in Denver can range from $30 to $55 per day. Your food bill may go up or down based on how often you dine out, the restaurants you choose, and of course, how many cocktails you consume. A fast-food meal, for example, can cost less than $10, while a three-course meal in a nice restaurant might be $50 or more per person.

Sightseeing

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

Recommended: Where to Keep a Travel Fund

10 Fun Must-Dos in Denver

There’s so much to do in and around the Mile High City, it can be a challenge to squeeze it all into a week or two. But if you go in with a plan — and some recs from friends and frequent visitors to the city and its surrounding area — you can improve the chances that you’ll get in your fair share of fun.

To get you started, we checked out dozens of travel sites, blogs, and “best of” lists, then compiled our own lineup of the top things to do in and around the city.

1. Red Rocks Park and Amphitheatre

There’s much more to do at Red Rocks Park in Morrison than see a concert at its famous amphitheater. (Although it is a fantastic venue.) Visitors to the park set out on a moderate hike — at a manageable 6,450 feet above sea level — and enjoy the unusual landscape. At the visitors center, music and nature lovers can check out the Red Rocks Hall of Fame, shop, and grab a bite at the Ship Rock Grille. Red Rocks is about a 20-minute drive west of Denver. redrocksonline.com/

2. History Colorado Center

The History Colorado Center is the place to go if you really want to get a feel for Colorado and its place in the American West. At the exhibit “Zoom In: The Centennial State in 100 Objects,” for example, visitors can see artifacts that shaped the state’s history and culture from ancient to modern times. The museum is open every day except Thanksgiving, Christmas, and New Year’s Day. historycolorado.org/history-colorado-center

3. Coors Field

Even if you aren’t a diehard baseball fan, a visit to Coors Field is a must. The architecture will make you nostalgic for old-time stadiums, but it’s filled with modern amenities. They include an interactive space where kids and adults can test their skills in the video batting-cages and speed-pitch area.

There’s also a spacious viewing platform where you can get a great look at downtown Denver. For the full experience, take in a game on a warm summer evening, or sign up for a guided tour during the day. mlb.com/rockies/ballpark

4. Denver Mint

The U.S. Mint in Denver was built in the late 1800s to make gold coins, and it’s still producing coins today. Visitors can watch it all happen and learn about the history of the Mint. Tickets are for same-day tours only, and are distributed on a first-come, first-served basis, so it’s important to arrive early at the building in downtown Denver. The tours are family-friendly, but all visitors must be at least 7 years old. usmint.gov/about/mint-tours-facilities/Denver/visiting-the-denver-mint

5. Trendy Streets

Looking for shopping, dining, nightlife, and historic buildings close to your downtown hotel? Denver’s LoDo (short for lower downtown), Larimer Square, and 16th Street Mall are pedestrian-friendly and packed with cool things. Also check out Pearl Street in Boulder, about 30 miles away, for a laid-back vibe and some primo people-watching.

6. Afternoon Tea at the Brown Palace

The historic Brown Palace Hotel and Spa is one of Denver’s most famous landmarks, and their afternoon tea is one of the city’s favorite traditions. While the hotel’s architecture is designed to make you feel at home in the West, the tea is decidedly traditional, served with Devonshire cream and handmade scones, while a grand piano plays. If you decide to skip tea, you’ll still want to stop by to admire the images of Colorado animals carved in stone on the hotel’s exterior. brownpalace.com

7. Molly Brown House Museum

The Molly Brown House Museum in Denver’s Capitol Hill neighborhood is dedicated to telling the story of Margaret “Molly” Brown, who famously survived the sinking of the Titanic, but also was an activist and philanthropist. The museum’s hours vary seasonally, so it’s a good idea to look and book in advance. (You can choose a guided or self-guided tour.) mollybrown.org

8. Buffalo Bill Museum and Grave

William “Buffalo Bill” Cody became a legend for his exploits as a Union soldier and civilian scout, but he’s probably best known for his Wild West show that toured the U.S. and Europe. The educational Buffalo Bill Museum is filled with artifacts and interactive exhibits, including a mechanical horse ride for kids. The museum and gravesite are in Lookout Mountain Park, about 20 miles west of Denver. Add to your Wild West experience with a stop at the nearby Buffalo Herd Nature Preserve, where the city of Denver maintains a herd of buffalo. buffalobill.org and denver.org/listing/buffalo-herd-nature-preserve/4549/

Recommended: How Families Can Afford to Travel

9. Hiking in Rocky Mountain National Park

If you’re ready for a day exploring the outdoors, why not hike one of the many trails in Rocky Mountain National Park? There’s a trail for every age and ability — from the short, flat, and easy Bear Lake hike to the longer Sky Pond hike, which has mountain, lake and waterfall views, to the more challenging but gorgeous Chasm Lake Hike. Remember: The weather can change quickly in Colorado. Do your research, choose your trail carefully, and come prepared. nps.gov/romo/index.htm

10. Estes Park and the Stanley Hotel

Yes, you’ll see plenty of beautiful scenery around Denver, but if you decide to head to Rocky Mountain National Park (and you should), consider stopping at the quaint town of Estes Park on the way, for brunch or lunch or just a little sightseeing. While you’re there, take a ride by the historic Stanley Hotel, the elegant (and not at all creepy) inspiration for Stephen King’s The Shining. visitestespark.com and stanleyhotel.com

Insider Tips

Here, some local wisdom to keep in mind when planning your trip to Denver.

Location, Location, Location

Keep your sightseeing goals in mind when choosing your accommodations. You may find cheaper rates at hotels outside the city, but traffic in Denver can be challenging, and you can spend a large chunk of your time just getting to the attractions you hope to see.

Dine on Something…Different

Here’s something every visitor to Denver really needs to know: The “Rocky Mountain oysters” you’ll see advertised around town aren’t seafood. They’re a snack made with bull testicles — sautéed, braised, broiled, or sometimes poached, but mostly fried. For adventurous eaters, they’re worth a try.

But if this Denver dish isn’t your thing, you can still eat like a westerner. The safer choice is a Denver omelet. The better choice might be an elk-jalapeno dog from Biker Jim’s Gourmet Dogs; a Colorado-style pizza known as a Mountain Pie; or lamb fondue. For more local flavor, wash down your meal with a beer from one of the city’s many craft breweries.

Recommended: How Travelers Can Support Local Economies

Have a Plan for How You’ll Pay

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

The Takeaway

Although the weather can be unpredictable, there’s no bad time to go to Denver. The average cost of a week there averages $2,400 to $3,750 for a couple. Some must-see attractions include Red Rocks Park and Amphitheatre, Coors Field, the pedestrian-friendly LoDo neighborhood, and the Buffalo Bill Museum and grave. Adventurous eaters can brave a snack of Rocky Mountain oysters, while traditionalists might stick to an elk-jalapeno hot dog or a Mountain Pie pizza.

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


FAQ

Should I worry about altitude sickness in Denver’s higher elevation?

Some visitors do have trouble with altitude sickness in the Mile High City (and the surrounding foothills and mountains). Symptoms can include light-headedness, fatigue, and nausea. One way to combat it is to stay hydrated, so drink plenty of water.

What is the nightlife like in Denver?

Denver offers plenty for night owls, including clubs, bars, and restaurants; concerts and festivals; ghost tours; and stargazing at the University of Denver’s historic Chamberlin Observatory.


Photo credit: iStock/milehightraveler

**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).


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 purchases. No rewards points will be earned with respect to reversed transactions, returned purchases, or other similar transactions. When you elect to redeem rewards points into your SoFi Checking or Savings account, SoFi Money® account, SoFi Active Invest account, SoFi Credit Card account, or SoFi Personal, Private Student, or Student Loan Refinance, your rewards points will redeem at a rate of 1 cent 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.

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.

SOCC0223017

Read more

How to Sleep Well on an Overnight Flight

Trying to sleep on an overnight flight can feel like a mission impossible, what with the noise, cramped quarters, uncomfortable seats, plus all those meal and beverage service interruptions. Lack of sleep on an all-night flight can leave you feeling drowsy, irritable, and lethargic upon arrival at your destination, which is not the way you want to start your trip.

Despite the inherent obstacles, you shouldn’t resign yourself to spending a long flight wide awake. There are hacks that can help you get some quality slumber on an overnight flight. Read on to learn:

•   The importance of getting sleep on an overnight flight

•   How to sleep well by choosing the right flight and seat

•   What you can do to prepare ahead of your flight

•   Things you can do to wind down and relax on your flight

Why It’s Important to Get Sleep on an Overnight Flight

When you get adequate sleep during the night, your brain and body rest and recover, allowing you to feel energized the next day. Without enough shut-eye, you’ll likely feel more physically, emotionally, and mentally tired.

In addition, lack of sleep on an overnight flight can contribute to jet lag, which typically happens when an individual travels east or west across three or more time zones.

•   Besides fatigue, symptoms of jet lag can include trouble processing information clearly, difficulty coping with change, having slower reaction times, and experiencing problems with balance and coordination.

•   Jet lag can impair your alertness, which can be dangerous if, for instance, you’re renting a car and will be driving right after your flight. It can also make you more vulnerable to pickpockets and scammers.

Recommended: Guide to Saving Money on Hotels for Your Next Vacation

Choosing the Best Flight and Seat

The timing of your flights and where you sit on the plane can play a key role in how well you sleep overnight. Certain departure times sync better with your body clock to make sleep come on a little easier. And some seats and areas of the plane work better for sleeping.

Here, consider these suggestions for when to take off and how to pick the prime seat for snoozing.

Timing Your Flight for Optimal Sleep

Our bodies have an internal clock, or “circadian rhythm,” that tells us when it’s time to sleep and wake up. Taking an overnight flight can disrupt your body’s natural cycle of wakefulness and sleep. For example, if you’re flying from New York City to Paris, which is six hours ahead, you’ll land when it’s already morning, but your body is telling you it’s still nighttime. Two points to keep in mind:

•   When it comes to taking an overnight flight, you’re working with your natural body clock instead of fighting against it. So go ahead and book that 9am vs. 4pm flight. At some point, you’re bound to get sleepy around your usual bedtime. Overnight flights can be better if you’re traveling with babies and children, since the flight coincides with their bedtime too.

•   You can also get more uninterrupted sleep by choosing a direct flight. Yes, it can be pricier, but having to switch flights in the middle of the night results in broken sleep, plus layovers can further mess up your internal clock.

Picking A Seat

Many airlines offer first class and business class red-eye passengers the most sleep-focused perks, such as extra leg room, more privacy, and seats that convert into beds. However, buying seats in these sections can be very expensive — thousands of dollars more than a seat in coach. If you don’t have that much money socked away in your travel fund, consider the following:

•   Do you have unused miles you’ve accrued by using an airline credit card? Now might be the time to cash in and use them for a first or business class seat or upgrade.

•   Consider if it’s worthwhile to charge an expensive and more comfortable seat and then have the credit card reward points to use as you see fit. Or you might opt for cash back.

•   If you purchase your ticket with a travel credit card or cash back rewards credit card, you might earn miles that you can use on future travel, which can help offset the expense.

If you choose to fly coach, there are ways to snagging the best type of seat in which you can doze off. Some tips:

•   Window seats tend to be best for sleeping. You can rest your head against the window or wall, and don’t have to deal with passengers waking you up as they climb over you to move around the cabin. Window seats also provide the most privacy and give you control of the window shade. Book early, as window seats are popular and tend to disappear quickly.

•   Your next choice might be to opt for an aisle, which can give you more room to stretch your legs. Beware of falling asleep that way, though; you’ll likely be woken up by flight attendants or fellow passengers who need to get by you.

•   Seats closer to the front of the plane are often quieter and make for a smoother ride. Sitting in the back of the plane doesn’t bode well for sleeping, especially if you’re in the last row in a seat with limited to no recline.

•   Another reason the rear of an aircraft is best avoided: It’s usually the location for the restroom, which can be noisy and have frequent passenger traffic.

•   Steer clear of a seat near the galley areas where flight attendants may be moving around at all hours.
Once you’re safely in the air and the seatbelt sign is turned off, look around to see if there are any free rows where three empty seats could give you the opportunity to lie down. Check in with the flight attendants to make sure it’s allowed and the seats don’t belong to anyone else.

Recommended: Credit Card Miles vs. Cash Back: Guide to Choosing

How to Prepare

Here’s some advice to help you fall and stay asleep on a long-haul overnight flight.

•   Adjust your sleep schedule before you leave. Begin to reset your body clock several days prior to your voyage. The Mayo Clinic suggests if you’re traveling east, go to bed one hour earlier each night for a few days before your trip. When heading west, hit the hay one hour later than usual for a couple of days.

•   Eat lightly and clean. Eating spicy, fatty, fried, or high-carb foods before the flight can leave you feeling too full and uncomfortable to sleep.

•   Make sure your seatbelt is visible. This will avoid sleep interruptions by flight attendants who may need passengers to put on their seatbelts during the flight. If you’re covering yourself with a blanket, fasten your seatbelt over it so there’s no need for flight staff to rouse you.

•   Skip caffeine and alcohol. Caffeinated and alcoholic beverages can interrupt sleep and dehydrate you. Instead, keep yourself hydrated by drinking H2O or herbal tea , such as chamomile, valerian root, or passionflower. Research has shown these can help you feel sleepy and improve sleep quality. (You might bring your own teabags and ask the flight attendants for hot water.)

•   Get some exercise that day. Physical activity can help improve sleep quality. Even walking around the airport before your flight counts.

•   Dress in comfortable layers. You never know what the cabin temperature might be, so it’s a good idea to layer up in case you get too hot or cold. Wearing cozy lounge-wear, versus skinny jeans, will up your comfort level so you can sleep better.

•   Take a sleep aid. Many people find taking a prescription or over-the-counter sleeping medication helps them sleep on a plane. One caveat: Both nonprescription and prescription sleeping pills can cause daytime grogginess. A safer option? Try taking melatonin supplements, a synthetic version of the natural hormone your body makes to produce sleepiness .

•   Use your tray table as a head rest. Some people find leaning over and resting their head on their tray table with a pillow makes it easier to get some sleep. This can be especially helpful if you’re in a middle or an aisle seat.

What to Bring for an Overnight Flight

Some airlines may give you a complimentary kit with toiletries and other items to make your night flight more comfortable. You might, however, want to put together your own in case you don’t get one or the airline’s kit doesn’t have everything you might need. Here are some suggested sleep-better items to pack in your carry-on:

•   Neck or travel pillow

•   Noise-canceling headphones or ear plugs

•   Eye mask

•   Cozy warm socks and slipon shoes

•   Blanket or wrap

•   Snacks in case you sleep through meal service or get hungry in between

When and How to Wind Down in the Air

Your pre-bed routine doesn’t have to fall to the wayside just because you’re flying. There are some things you can do during your journey to relax and encourage sleepiness:

•   Listen to calming music or a podcast

•   Engage in a relaxing activity such as reading a book, knitting, or breaking out a mini deck of cards to play Solitaire.

•   Avoid looking at screens and skip the inflight entertainment since exposure to blue light can interfere with sleep.

•   Don’t stress if sleep doesn’t happen. It can be difficult to sleep when you can’t get comfortable. Anxiety around traveling with pets and/or small children or just flying in general, can prevent you from relaxing. Instead, try to at least rest your eyes and do some deep breathing.

Recommended: How Families Can Afford to Travel

The Takeaway

No doubt about it, trying to snooze on an overnight flight can be downright challenging. Lack of sleep on a redeye can result in physical and mental exhaustion, which isn’t the best way to kick off your travels. Fortunately, by booking certain seats and following a few steps, you can likely get the in-flight rest you need to help make you feel alert and ready to roll once you touch down.

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

Should I pull an all-nighter to sleep on a plane?

No. Getting on a night flight already sleep-deprived doesn’t guarantee you’re going to sleep well on the plane. It’s also counterproductive. If you haven’t slept the night before, you’ll most likely be struggling to stay awake when you need to get things done on your travel day.

How many hours should you wake up before you land?

Plan to set your alarm so you can wake up somewhere between 45 minutes to an hour before landing. Since waking up on a plane can be disorienting, it’s important to have some time to become fully alert before you disembark.

Is jet lag easier flying east or west?

It’s easier to deal with jet lag when you’re flying west than east. When you fly east, you “lose” time as opposed to flying west when you “gain” time. It’s believed your body can adapt more quickly to staying up late than going to sleep earlier.


Photo credit: iStock/Meinzahn

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.

SoFi cardholders earn 2% unlimited cash back rewards when redeemed to save, invest, a statement credit, or pay down eligible SoFi debt.

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.

SSCC0323029

Read more
TLS 1.2 Encrypted
Equal Housing Lender