credit card Archives | Page 7 of 40

Jun

2023

Standard Credit Card Size or Dimensions

Have you ever noticed that all the credit cards in your wallet are exactly the same size?

That’s because every credit card issued in the U.S. — and around the world — must be 3.375 inches wide by 2.125 inches high, according to requirements established decades ago by the International Organization for Standardization (ISO).

Credit card issuers can get a little creative with their logo and some other design features, but there are rules regarding credit card size, including how high, wide, and thick they can be. (And, by the way, those same rules apply to debit cards and government-issued IDs.)

Read on to learn why, when it comes to credit cards, size matters.

Why Are All Credit Cards the Same Size?

It makes sense that all credit cards should be a uniform size so they can fit conveniently in the slots of any type of wallet. But that’s just a happy byproduct of card standardization.

The dimensions were put in place so that payment-processing technology can accept any credit card, no matter where the card came from or where it’s used. This means the same cards you use to make purchases or withdraw cash in the U.S. can go with you when you take a vacation trip to Paris, France, or any of the ISO’s member nations.

All financial transaction cards must follow the ISO’s ID-1 format. It specifies the dimensions of a credit card in inches must be 3.375 wide by 2.125 high, with a thickness of 0.0299 inches, and the corners must be rounded. The sequence of the digits in your credit card number and other card features also must follow standards set by the ISO.

When Did the Size of a Credit Card Become Standardized?

Although credit cards have gone through several major changes over the past 60 or so years—especially when it comes to developing new ways to pay and protect against identity theft—they’ve actually looked pretty much the same since the late 1950s.

There were different versions of credit “cards” before that — made from clay tablets in ancient times, dog tag-style metal plates in the 1930s, and even paper and cardboard in the ‘40s and ‘50s. But when American Express and Bank of America began issuing cards in 1958, and other banks followed suit in the next few years after that, credit cards quickly evolved to the size and shape they are today. Even that magnetic “swipe” stripe on the back has been around for decades: It was invented in the 1960s by an IBM engineer and became the standard worldwide by the early ’70s.

What Are Credit Cards Made Of?

American Express is credited with creating the first plastic credit card, in 1959, and that’s still what most cards are made of. A card is typically created using a plastic resin known as polyvinyl chloride acetate (PVCA) that makes it bendable, durable, and water resistant.

Some credit card companies also issue metal credit cards, which are sturdier than plastic cards and usually heavier, too. (We’re only talking about a few grams here, however, so not nearly enough weight to put extra stress on a pants pocket or purse strap.)

What Is the Weight of a Credit Card?

While most plastic credit cards weigh about 5 grams, metal credit cards—which may be made from stainless steel, aluminum, titanium, or a mix of metals—may weigh in at anywhere from 10 to 18 grams.

These heavier cards are sometimes considered more prestigious, as many premium cards are made of metal. And feeling that distinctive heft in your hand can make a metal card stand out from plastic cards. But metal cards aren’t as rare as they used to be. And the way a credit card works is basically the same no matter what material it’s made from.

If you’re thinking about applying for a credit card, you may want to start by finding the card that’s the best fit for you based on its financial benefits rather than its appearance or physical weight. It can be helpful to compare the type of rewards a card offers, if it has low or no fees, the interest rate and credit limit you can qualify for, as well as other perks.

Are There Other Design Features that Can Vary?

Although all credit cards are the same size and share other important features, if you lay out your credit cards side by side in front of you, you’ll also likely spot a few differences.

Your credit card number may be on the front of some cards and on the back of others, for example, and those numbers might be flat or slightly raised (embossed). There may or may not be a space for your signature. And the security hologram and code verification value (CVV) — features that are there to protect you from fraudsters — also may vary a bit from card to card.

The magnetic stripe and chip used for making payments are located in the same spot on every card, though. Again, this is designed to make processing transactions as universal and convenient as possible. Mastercard plans to slowly get rid of the swipe stripe on its cards, however, starting in 2024.

Recommended: Guide to Choosing a Credit Card

The Takeaway

Although there have been significant advancements over the years in how credit cards can be used, how payments are processed, and the technology that helps shield consumers from theft, the standard credit card size and shape hasn’t changed in decades. And thanks to the international standards that dictate credit card dimensions, all your cards should fit in any card reader used worldwide — and in the slots in your wallet.

This means you can focus on other factors when choosing which credit card or cards you want to own, including the card’s interest rate, the types of rewards offered, and other benefits and protections.

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. (It’s also a pretty good-looking card… if you’re into that sort of thing.)

The SoFi Credit Card: The smarter way to spend.

FAQ

What size is a credit card in centimeters?

The International Organization for Standardization (ISO) specifies that credit cards, debit cards, and gift cards must be 8.56 cm by 5.398 cm (which is 85.6 mm by 53.98 mm, or 3.375 inches by 2.125 inches). The ISO standard for credit card thickness is .076 cm (that’s .76 mm, or about .03 inches).

What is the print size on a credit card?

Print size, font, and color may vary from one credit card to the next. Some credit card issuers even allow their customers to personalize a card with their own custom or semi-custom design.

How can visually impaired consumers tell a credit card from a debit card?

Credit card issuers are increasingly moving away from using raised letters and numbers as part of their card designs. Mastercard, for instance, plans to introduce the Touch Card, which uses a distinctive notch on the side (rounded for debit, squared for credit, triangular for prepaid) to aid those who may struggle to identify the card they’re using.

Photo credit: iStock/Sitthiphong

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.

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.

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

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Jun

2023

Prepaid vs Secured Credit Cards: Similarities and Differences

By Dan Miller | Credit, credit card, Financial Independence | Comments Off

If your credit isn’t stellar, you may find it challenging to get approved for a traditional unsecured credit card. One option can be a prepaid or secured credit card, which can be more easily available than an unsecured credit card. However, these cards come with a few key differences. Understanding how a prepaid card and a secured card vary can help you choose the right one for your specific situation.

When you apply for a secured credit card, you will put down a refundable security deposit. This serves as your initial credit limit, and you can borrow against that initial deposit. Your borrowing history on a secured credit card is typically reported to the major credit bureaus and will impact your credit score.

On the other hand, a prepaid card serves more like a debit card without being attached to your bank account. You load it with a given amount of money and can use it to pay for purchases without affecting your credit.

Learn more about the similarities and differences, including:

• What is a prepaid credit card and how does it work?

• What is a secured credit card and how does it work?

• How are secured vs. prepaid credit cards the same?

• How are prepaid vs. secured credit cards different?

• How do prepaid credit cards vs. secured credit cards impact your credit?

What Is a Prepaid Credit Card?

A simple way to think about what prepaid credit cards are is that they are just debit cards that aren’t tied to your bank account. Worth noting: These aren’t truly credit cards because you aren’t being extended credit; no one is lending you funds. For this reason, you may hear them referred to as just “prepaid cards” (which is what you’ll see as you keep reading).

You purchase a prepaid card (often with an activation fee) and can then use the card to make purchases. Because prepaid cards are not considered a loan, their use is not reported to the major credit bureaus. This means that they do not have a positive or negative impact on your credit score or credit history.

How Prepaid Cards Work

When you buy a prepaid card, it comes loaded with a specific amount of money on it. Generally prepaid cards are issued by some of the major credit card processing networks (e.g. Visa or Mastercard). Once you have purchased the prepaid card, you can then use it anywhere that network is accepted. Some prepaid cards only have a certain amount loaded onto them that is fixed at purchase, and others allow you to reload the card at your convenience.

Pros and Cons of Prepaid Cards

One positive thing about using a prepaid card is that it can make purchases much more convenient. It can also be more secure than carrying cash for all of your purchases.

However, a potential downside to using them is that, if you are wondering, “Do prepaid cards help build credit,” the answer is a hard no. So if you are looking for an option that can help improve your credit score, you’ll need to look elsewhere.

What Is a Secured Credit Card

If you’re looking for an alternative to a traditional unsecured credit card, you will also probably want to understand what secured credit cards are. A secured credit card is a type of credit card that requires you to apply (which likely involves a credit check). If approved, you put down an upfront security deposit to the lender. This upfront deposit will serve as your initial credit limit, and it determines the amount of money you can spend on your card.

How Secured Credit Cards Work

With an unsecured credit card, you will put down an initial deposit. Some secured credit cards have a specific amount that you must put down, and other secured cards may allow you to put down more of a deposit. As you spend money on your secured credit card, your available credit decreases. However, you can likely increase your credit line by making payments or additional deposits.

Pros and Cons of Secured Credit Cards

One of the biggest pros of a secured credit card can be that your usage is reported to the major credit bureaus. In other words, if you use it responsibly, the card can help build your credit.

Many banks that issue secured credit cards also provide a pathway to automatically increase your credit line and help you transition from a secured to a unsecured credit card. One thing to watch out for is that some secured credit cards come with high interest rates and/or fees, so it can be worthwhile to pay your balance in full each month, whenever possible.

Secured vs Prepaid Cards

Here is a quick look at how prepaid cards compare to secured credit cards in a few key areas:

	Secured Credit Cards	Prepaid Cards
Secure and convenient payment method	Yes	Yes
Reports to major credit bureaus	Yes	No
Affects your credit score	Yes	No
May be easier to be approved as compared to a traditional credit card	Yes	No approval necessary

Is One Better for Establishing Credit?

If you’re looking to establish your credit, a secured credit card is definitely your better option. Prepaid cards are not considered loans so they are not reported to the major credit bureaus. This means that using a prepaid card will not have any impact on building your credit. Using a secured credit card responsibly can help you build credit, but it can take a while to build credit with a secured credit card.

Is a Secured or PrepaidCard Right for You?

Deciding whether a secured or prepaid card is right for you depends on what your overall goals are. If you’re just looking for a convenient and secure way to make purchases without impacting your credit, a prepaid card can be a great choice.

But if you’re looking to build or establish your credit, you might consider a secured credit card. Of the two, a secured card is the only one where your usage and payment history is reported to the major credit bureaus.

The Takeaway

Prepaid cards and secured credit cards are both options that allow people with limited or poor credit histories to make secure and convenient payments. Both options allow you to easily pay for purchases wherever their issuer (e.g. Mastercard or Visa) is accepted. But usage of prepaid cards is not reported to the major credit bureaus, so it won’t have an impact on your credit score. If you’re looking to build your credit, you will be better off with a secured card.

Once you have established a solid credit history, you might consider a credit card that lets you earn cashback rewards with every eligible purchase. If you’re in the market for a new credit card, you might apply for a credit card like the SoFi Credit Card. With the SoFi Credit Card, you can earn cash-back rewards, which you can then use for travel or to invest, save, or pay down eligible SoFi debt.

The SoFi Credit Card: So simple, so rich in perks.

FAQ

Are prepaid cards more secure?

Prepaid cards are typically issued by one of the major card issuers, like Mastercard or Visa. Each of these issuers is known for payment security. One thing to watch out for with a prepaid card is that it works just like cash — if you lose your card, you’re likely to lose all of the money that is stored on your card.

What is one disadvantage of a prepaid card?

One disadvantage of a prepaid card is that your usage is not reported to the major credit bureaus. This means that using a prepaid card will not appear on your credit report and will not have any impact on your credit score. If you’re looking to build your credit, however, you’re better off getting either a traditional credit card or a secured credit card.

What are the downsides of getting a secured credit card?

A secured credit card can be a good option if you’re looking to build your credit and are having trouble getting approved for a traditional unsecured credit card. One downside of a secured credit card to keep in mind is that you will have to put down a security deposit upon being approved. Many secured credit cards also come with higher-than-average interest rates and fees, so make sure you watch out for that as well.

Photo credit: iStock/Elena Uve

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

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.

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

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 .

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Jun

2023

Top 10 Fun Things to Do When Visiting Boston

By Susan Guillory | Credit, credit card, Family Finances | Comments Off

If you’re a fan of the show Cheers, the Boston Red Sox, or even baked beans, a Boston vacation gives you the chance to go right to the source. But after having a beer at the bar and attending a baseball game, there are still plenty of things to do in Boston, aka Beantown.

Boston is a highly-walkable city, and each neighborhood has its own personality, like the “secret garden” vibe with row houses in Bay Village, or Charlestown, with its Irish roots. Plus, there are wonderful historical sites, museums, and gardens to explore, as well as great food of all kinds.

Here, you’ll learn about some of the top not-to-be-missed attractions, as well as ways to make sure your trip is as enjoyable and affordable as possible.

Best Times to Go to Boston

If you’re planning your Boston trip, you’re probably wondering when to go. June until October offers great weather, though summer travel can be more crowded. Aim for late September or October to catch the fall leaves and cooler weather.

If you want to plan your Boston vacation around major events, here are a few to consider:

• January/February: Chinese New Year

• March: Saint Patrick’s Day Parade

• April: Boston Marathon

• June: Dragon Boat Festival

• August: Saint Anthony’s Feast

• September: Oktoberfest

• December: First Night.

If you are planning on traveling during in-demand and potentially pricier times, consider using credit card miles vs. cash back that you may have earned on your rewards card.

Bad Times to Go to Boston

Depending on how much you plan to be outside on your Boston vacation, you might avoid visiting in the winter months, when you may have to battle cold weather and snow. (And if you’re traveling with pets to this incredibly pet-friendly city, those icy months may not be a good time for your four-legged friend either.).

Average Cost of a Boston Vacation

As you build your budget for your Boston trip, it can help to know how much you’ll spend on airfare, hotel, food, and renting a car (though public transportation can get you around town well).

For a couple, the average price for one week in Boston is $4,255. Hotels can cost $131 to $484 a night, and vacation rentals run $280 to $610 per night.

Even if you don’t have four grand lying around right now, there are options for book now pay later travel that allow you to pay for your travels over time.

And remember: using a credit card that lets you earn points when you book travel gives you credit card rewards you can redeem for other travel expenses.

10 Fun Must-Dos in Boston

You’ll be spoiled for choice when it comes to fun things to do in Boston. No matter if you’re a sports fan, a foodie, a shopaholic, or history lover, there’s something for everyone. Here are the best things to do in Boston, based on top ratings online as well as recommendations from people who’ve been there and done that in Boston..

1. Catch a game at Fenway Park

If you’re a Red Sox fan, this is already on your list of must-dos. Fenway Park has been hosting baseball lovers since 1912. You can catch a game in-season (don’t forget to cover the price of tickets when growing your travel fund), or take a ballpark tour to learn about the unique history of this landmark. mlb.com/redsox/ballpark

2. Follow the Freedom Trail

This 2.5-mile stretch tells the story of early America, with museums, churches, meeting houses, burying grounds, parks, a ship, and historic markers to explore. You can walk the trail yourself or take a guided tour. thefreedomtrail.org/

3. Stroll Through the Boston Common and the Public Garden

Enjoy a beautiful day by strolling through these two Boston icons. The Boston Common was created in 1634, and was America’s first public park. The Public Garden was the first botanical garden in the country, founded in 1839. Choose your spot for a picnic and people-watching (a great free thing to do in Boston), or take a swan boat on the pond.
boston.gov/parks/public-garden

4. Get Educated About Harvard University

You don’t have to go to Harvard to go to Harvard! You can take a tour while you’re on your Boston vacation of this nearly 400-year-old institute of higher learning. There are several different tours, including those on the history of the university, a tour of the campus’ art galleries, a tour of Arnold Arboretum, and more. harvard.edu/visit/tours/

5. Tour the Boston Opera House

For a beautiful slice of Boston history, as well as the chance to watch a theatrical production, plan to visit the Boston Opera House. Additionally, you can take a tour of this nearly 100-year-old landmark and discover the intricate details of the opulent architecture, but you also can go behind the scenes of a modern production. bostonoperahouse.com/

6. Dine out in the North End (Little Italy)

If a trip to Italy isn’t in your near future, you can pretend you’re there in Boston’s North End neighborhood. Italian immigrants arrived in this quarter in the 1860s, and since then, Italian restaurants and businesses have sprung up, bringing European vibes to the city.

Save room for a cappuccino and something sweet, or plan to have lunch or dinner to enjoy authentic pizza or pasta at one of the many Italian eateries. (If you swipe a travel credit card as you dine, you can rack up more points to use on when on a trip.) meetboston.com/plan/boston-neighborhoods/north-end/

7. Have a Pint at a Boston Brewery

While the Samuel Adams Boston Brewery (samadamsbostonbrewery.com/) is the most well-known brewery in the city (and worth a visit), it’s far from the only one. Plan your day to include beer hotspots like Aeronaut Brewing Company, Harpoon Brewery, and Cambridge Brewing Company.

8. Visit the Boston Tea Party Ships & Museum

It’s hard to get far in Boston without running into a little history. The Boston Tea Party is an interactive experience that puts you in the middle of one of the most famous events in American history. It can be a fun thing to do in Boston with kids.

And after exploring the museum you can, of course, enjoy a cup of tea to commemorate the occasion! Tickets typically start at $25 for kids, $36 for adults. Looking online for coupons can be a way that families can afford to travel.
bostonteapartyship.com/

9. Enjoy the Art and Ambience at the Isabella Stewart Gardner Museum

Called a “millionaire Bohemienne,” Isabella Stewart Gardner made a name for herself in Boston’s elite and intellectual circles, and she opened an art museum at the turn of the 20th century. Heavily influenced by her travels to Venice, the museum now houses Isabella’s private collection, as well as modern additions. The museum is typically open daily except Wednesdays, and adult admission is usually $20. Also, there is a $10 million reward if you have any information about 13 works of art that were stolen 30 years ago! gardnermuseum.org/

10. Sign up for a Secret Food Tour

Want to know where the locals eat in Boston? Take a Secret Food Tour to find out. Accompanied by a Boston guide, you’ll discover hidden gems that are off the tourist path. You’ll get to try clam chowder, lobster rolls, and cannoli, among other delicacies. After all, let’s be honest: one of the top things to do in Boston is eat! The price of the tours will vary, but a three-plus hour eat-a-thon might cost $89 per person. secretfoodtours.com/boston/

The Takeaway

Boston is a vibrant city that was fundamental in the building of America. With history around every corner (not to mention something tasty to eat), you’ll find plenty to love about this city.

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 should I eat in Boston?

Boston is known for several unique dishes, including baked beans, lobster rolls, Boston cream pie, and clam chowder.

What historical things should I see in Boston?

Founded in 1630, Boston has been the home to major historical events like the Boston Tea Party, which has its own interactive experience and museum. Also not to miss are the Freedom Trail, Paul Revere House, Harvard University, and Boston Public Library.

How many days should I spend in Boston?

Depending on how many sights you want to see on your Boston vacation, three to five days is the ideal amount of time.

Photo credit: iStock/Sean Pavone

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

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.

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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Jun

2023

Top 10 Fun Things to Do When Visiting Seattle

By Jason Steele | Budgeting & Goals, credit card | Comments Off

Seattle may be best known for rain and coffee, but it has so much more to offer and can make a terrific vacation destination. Popular things to do in Seattle include riding to the top of the Space Needle, visiting the Museum of Pop Culture, and strolling through the Chihuly Garden and Glass Museum. Seattle also has a few fun and unique things that you can’t find in most other cities, like the Gum Wall at Pike Place Market.

If you’re thinking you might like to head west to visit this city, check out this advice on the top things to do in the city, plus advice for making your visit a smooth, exciting, and memorable one.

Best Times to Go to Seattle

Spring, summer, and early fall are the best times to go to Seattle, with summer travel being the most popular. Temperatures during these times are pleasant, in the high 60s and low 70s, and there’s little rain.

There are plenty of festivals happening in the summer, too, which might be fun to check out while in Seattle, including:

• Beyond Wonderland electronic music festival (June)

• Northwest Tune-Up bike, beer, and music festival (July)

• Capitol Hill Block Party music and arts festival (July)

• Watershed country music festival (August)

Bad Times to Go to Seattle

Seattle is known as the “rainy city,” and fall and winter can be chilly and wet. November and December are the rainiest months of the year in Seattle.

However, if you’re on a budget, hotel prices may be lower during the winter. If you’re looking for how to save money on hotels in Seattle and you are focusing on indoor activities, then going during the off-season can be an affordable option.

Average Cost of a Seattle Vacation

Seattle can be an affordable city to visit, depending on how you travel. Typically, a one-week stay will cost around $1,364 for one person and $2,728 for two. Plan on daily costs of around $195. Some specifics to note:

• A hotel in a central location like Downtown Seattle, near Pike Place Market, can be over $400 a night during peak season.

• If you’re looking for cheaper hotels, then try neighborhoods outside of central Seattle, but you may need to rent a car for these.

• If you’re saving up money ahead of time for a Seattle vacation trip, you may be wondering where to keep your travel fund. High-yield savings accounts and regular savings accounts are two popular places to keep your funds.

• Although “book now pay later” travel options may be tempting, it can be more financially responsible to save money ahead of time so that you don’t pay extra in interest.

If you’re thinking about booking a trip to Seattle but are worried that you may have unforeseen circumstances and have to cancel your trip, you can look into travel insurance. 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 or use your credit card protections.

10 Fun Must-Dos in Seattle

There is a lot to do in Seattle, and fortunately, it’s a fairly walkable city. There are buses, streetcars, a light rail system, a monorail, ferries and water taxis to help you get around.

The following recommendations for the top 10 fun things to do while visiting Seattle are culled from frequent visitors to the city, residents, and the top-rated attractions based on online reviews. Ready? Here are some must-see destinations in the city.

1. Scale the Space Needle

Perhaps Seattle’s most visible iconic structure, the Space Needle was originally built for the 1962 World’s Fair. From the top, you can see incredible views of the city through the glass walls of the structure.

The Space Needle is located in the Lower Queen Anne neighborhood. It’s open year-round, and hours vary by day and time of year; depending on the time and ticket type, costs vary between $22.50 and $42.50. Discount bundle packages are available for tickets for the Chihuly Garden and Glass Museum and the Space Needle. spaceneedle.com/

2. Stroll Through Pike Place Market

Pike Place Market is Seattle’s most famous market and is the most visited landmark in the city. The market is famous for fish, which has been sold there open-air since 1930, and you may know of the tradition of the catch of the day being thrown around by fishmongers. But the market also hosts many other vendors selling things like jewelry, artwork and clothing, plus all kinds of food, from candied salmon jerky to freshly fried donuts.

Pike Place Market stretches across nine acres within Seattle’s central business district. It’s one of the best free things to do in the city. Hours vary but most of Pike Place Market is active from 10 am to 5 pm, with some restaurants staying open later for dinner and some opening earlier for breakfast. Pike Place Market is open 7 days a week except for Thanksgiving and Christmas Day.

Pike Place Market is also home to the famous Gum Wall, which is a wall within an alleyway that is completely covered in chewing gum. The Gum Wall started in the 1990s when local patrons and performers would stick their used gum on the wall. It’s now a popular photo location.

Pike Place Market can get quite crowded, especially on weekends, so plan accordingly. pikeplacemarket.org/about-pike-place-market/plan-your-visit/

3. Gaze at Gorgeous Glass

The Chihuly Garden and Glass museum is a unique museum that showcases the work of renowned glass artist Dale Chihuly, who lives in Seattle. Both indoors and out, the museum shows off Chihuly’s brilliantly colored, fancifully shaped works which have been exhibited around the globe. The outdoor garden blends plants and flowers with glass pieces intertwined.

The museum is located next to the Space Needle at Seattle Center in the Lower Queen Anne neighborhood. It’s generally open from around 10 am to around 6 pm year-round. Depending on the date and ticket type, costs range from $22.50 to $37.50. Discount bundle packages are available for tickets for the Chihuly Garden and Glass Museum and the Space Needle; you may want to put these costs on your favorite kind of plastic and earn credit card rewards. chihulygardenandglass.com/

4. Find the Fremont Troll

This famous troll statue, which is 18 feet tall, is under the Aurora Bridge in Seattle’s cool, indie Fremont neighborhood. It’s a fun photo-op, for sure, but you can also have fun popping into the neighborhood’s vintage stores and boutiques.

5. Take a Beneath the Streets Tour

Here’s one of the best things to do in Seattle for adults: Take a Beneath the Streets Tour. You’ll go underground and learn about the Red Light District. Basically, you’ll be immersed in the city’s early history of prostitution, drinking, gambling, and crime, which provides a fascinating glimpse at forbidden aspects of Seattle’s past, if you’re game for that.

The tour is available 7 days a week, except for Christmas day, with ticket prices running in the $25 to $27 range. beneath-the-streets.com/

Recommended: Credit Card Miles vs. Cash Back

6. Visit the Ballard Locks

Take a visit to the busiest lock system in the nation: The Ballard Locks (ballardlocks.org/) link the Puget Sound with Lake Washington and the Ship Canal. You can picnic nearby or just hang out and watch boats rise and fall with the waters of the lock system as they navigate to their next destination. It’s a cool, free thing to do while in Seattle. If you’re there in the summer, you can see the famous Salmon Ladder (ballardlocks.org/fish-salmon-ladder.html) in action, as three species of the fish rush through the network of water “ladders” to spawn upriver. Visitor Center hours vary by date.

7. Plug into Pop Culture

Here’s a fun thing to do in Seattle: Pop into the Museum of Pop Culture, or MoPOP, where you can learn more about culture today and in the recent past. Exhibits cover such tops as rock music (hello, Nirvana and Pearl Jam!) and science fiction and fantasy worlds.

The museum is open daily except for Wednesdays, between 10 am and 5 pm. Ticket prices vary by date, typically between $26.25 and $30.25. mopop.org/

8. Ride the Great Wheel

Want a stunning view of the city, plus a fun ride? The Seattle Great Wheel, located on Pier 57 in Seattle, ought to do the trick. It’s one of the largest Ferris wheels in North America, standing 175 feet tall and extending 40 feet out over Elliot Bay, so it’s quite literally a top thing to do in Seattle.

Bonus: It features fully enclosed, air-conditioned gondolas so you can climb aboard, no matter what the weather. As you go around, you’ll enjoy sweeping views of the city, the Pacific Ocean, and the Olympic Mountains, gaining an appreciation for the city’s unique location and its beauty.

The Seattle Great Wheel is open daily from 11 am to 9 pm. It costs around $12 for youth to $17 for adults. seattlegreatwheel.com/

9. Wander Through the Washington Park Arboretum

Here’s a great free thing to do in Seattle: Act like a local, and spend a few hours in the Washington Park Arboretum’s 230 acres. It’s home to a stunning array of trees, plants, and flowers, including some that are found nowhere else in the Northwest. Located on the shores of Lake Washington, the arboretum is open during daylight hours year-round for free. Leashed dogs are allowed in most areas, so if you’re traveling with pets, the Arboretum may be a fun thing to do on your Seattle vacation trip with your pet. botanicgardens.uw.edu/washington-park-arboretum/visit/

While you’re there, don’t miss the Japanese Garden, which is considered one of the best examples of its kind outside of Japan. It’s a beautiful place to stroll among plants, moss, a koi pond, winding paths, stone lanterns, and a meadow area. Admission is $6 for kids and $10 for adults. seattlejapanesegarden.org/

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10. Sip Some Local Wine

California isn’t the only West Coast state known for its wine: Washington is, too, and Woodinville, about 30 minutes from downtown Seattle, is a great place to see and taste for yourself. (You may want to rent a car or explore car services and/or public transportation to get there.)

You’ll find more than 100 wineries and tasting rooms in Woodinville to explore. Winery hours and prices vary, but you can have fun sampling the different varieties produced so close to the city.

The Takeaway

Seattle is a great city with so much to do. Whether you want to explore its natural beauty, eat amazing food, check out museums, shop, or get schooled in its history, you’ll have plenty of options.

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FAQ

What are things to do in Seattle at night?

Seattle has many things to do at night. There are numerous restaurants, bars and clubs throughout the city. The Beneath the Streets Tour would also be a fun and unique activity to do at night. The tour covers underground Seattle and the Red Light District, and may be best suited for adults, as topics include prostitution, drinking, gambling and crime.

What are some things to do in Seattle for kids?

Seattle has a lot to offer for kids and families who are visiting. The Seattle Great Wheel is a popular attraction among children. Finding free activities can be how families afford to travel. Seattle also offers plenty of free or cheap attractions, like visiting the Fremont Troll or watching boats at the Ballard Locks.

What are unique things to do in Seattle?

Seattle has a few fun and unique things that you can’t find in most other cities. Some uniquely Seattle activities include visiting the Gum Wall at Pike Place Market or taking a tour of underground Seattle with the Beneath the Streets Tour.

Photo credit: iStock/Sean Pavone

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Jun

2023

Top 10 Fun Things to Do When Visiting San Francisco

By Susan Guillory | Budgeting & Goals, credit card | Comments Off

Golden Gate Bridge. Fisherman’s Wharf. Chinatown. While there are plenty of well-known things to do in San Francisco, these are just the tip of the iceberg. As you plan your San Francisco vacation, make an itinerary of the tried and true as well as the hidden gems that only locals know about.

Here, you’ll learn about some of the best things to do in San Francisco, plus tips on making your trip as fun as possible and stretching your budget to the max.

Best Times to Go to San Francisco

Weatherwise, San Francisco is pretty consistent throughout the year. Temperatures range from the 50s to 70s during the day, making a vacation here any time a great idea.

However, you may be more likely to find travel deals if you travel off-season, so outside of the May to August summer season.

While summer travel may be the most popular, there are events in the city throughout the year:

• February: Chinese New Year

• April: San Francisco International Film Festival (SFFILM)

• May: How Weird Street Faire

• June: San Francisco Pride

• October: Italian Heritage Parade

• November to January: Illuminate SF Festival of Light

Bad Times to Go to San Francisco

If you want warm weather for your San Francisco trip, know that you may not get it in summer. Many people assume that because San Francisco is in California, it’s hot come June, July, and August, but sometimes that isn’t true. The weather can change quickly once the sun dips behind the buildings, and the city is known for its fog. Pack a jacket.

While fog and chilly weather aren’t going to ruin most people’s vacations, the unexpected can happen, so you may want to look into travel insurance before you head to the city by the bay. Your credit card travel insurance may cover you, or you could purchase your own policy.

Average Cost of a San Francisco Vacation

As you work on your financial prep for travel, you’ll need to know how much to budget for your San Francisco vacation.

If you’re traveling alone, the average cost for a week in the city is $2,348. For couples, it’s $4,217.

The type of accommodations you choose will impact your budget. Hotels in San Francisco can be found for $82 to $357 a night, although there may be ways you can save on hotels, such as joining a rewards program or applying discount codes. If you prefer a vacation rental (where you can cook to save money), expect to pay $280 to $610 per night.

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10 Fun and Affordable Must-Dos in San Francisco

San Francisco is made up of distinct neighborhoods such as Japantown, Chinatown, Mission District, Financial District, Haight-Ashbury, and more. You may want to explore a different neighborhood every day on your trip.

Here are 10 fun things to do in San Francisco according to frequent visitors, locals, and top-rated online reviews.

1. Spend Time in Japantown

While its cousin, Chinatown, tends to get all the attention, Japantown in San Francisco is also worth a visit. This is one of only three remaining Japantowns in the country, and here you can find delicious food, cultural events, and plenty of shopping. Whether you’re looking for an authentic kimono, teapot, manga, or Japanese groceries, you’ll find them here. sfjapantown.org/

2. Check out Chinatown

San Francisco’s Chinatown is bustling and crowded. Be sure to snap a photo under the iconic pagoda doorway that marks the start of Chinatown before ambling through the quarter.

After you get your fill of shopping, stop at the Golden Gate Fortune Cookie Factory, a hole in the wall you might miss if you don’t know to look for it. Here you’ll see the employees deftly throwing round batter on a hot skillet and shaping them into those delicious cookies we all know and love. sanfranciscochinatown.com/

3. Don’t Forget Fisherman’s Wharf

Yes, it’s touristy, but yes, you still need to visit this famous area. It’s been around for more than 100 years and now offers many things to see including museums, shops, and restaurants.

A favorite place to spend some time in Fisherman’s Wharf is Musée Mécanique, which offers an impressive collection of old-time arcade games, music boxes, and slot machines. Bring your quarters, and get lost in nostalgia.

After that, you’ll work up an appetite, so head over to one of the many restaurants. Seafood is a must! Restaurants like Cioppino’s, Crab House, and Pier Market Seafood Restaurant offer clam chowder, shrimp, and other delicacies from the sea. If you wind up splashing out on a seafood feast, you might want to pay with plastic to earn and then redeem credit card rewards. fishermanswharf.org/

4. Explore an Amazing Aquarium

After visiting Fisherman’s Wharf, head to the Aquarium by the Bay a short walk away at Pier 39. There are more than 20,000 aquatic critters, including jellyfish, sharks, bat rays, otters, and more.

Explore the aquarium on your own by getting up close and personal with different exhibits including Under the Bay, Sharks of Alcatraz Tunnel, Go With the Flow, and more. General admission tickets are typically $31.75 for adults and $21.75 for kids ages four to 12. aquariumofthebay.org/

5. Get Outdoors at Golden Gate Park

Another of the fun things to do in San Francisco is to spend a few hours in Golden Gate Park. There are over 1,000 acres of meadows, lakes, gardens, playgrounds, and museums. While some of the museums and gardens charge admission, there is plenty available at no cost, making it a fun free thing to do in the city and a way families can afford to travel.

Don’t miss the Bison Paddock, which has attracted visitors since 1892, or the Japanese Tea Garden, which boasts azaleas, cherry trees, and Japanese maples. Incidentally, if you are traveling with a pet, know that most areas (though not buildings) in the park are dog-friendly. sfrecpark.org/770/Golden-Gate-Park

6. Marvel at Mind-Blowing Science

Visiting San Francisco with science lovers? Don’t miss this institution located right at Golden Gate Park in an architecturally amazing building. It includes an aquarium, planetarium, rainforest (yes, a rainforest), and natural history museum under one umbrella. Admission is typically $43.75 for adults; $34.25 for youth.

If you’re looking for something unique to do in the evening in San Francisco, visit one of the California Academy of Sciences’ properties for NightLife ($22.75), which offers the chance to get your science on while enjoying adult beverages and food. calacademy.org/

7. Head Over to Haight-Ashbury

For the hippies at heart, no San Francisco trip is complete without a visit to the iconic Haight-Ashbury neighborhood. This is where flower power sprang up, and where you can now find quirky boutiques, restaurants and brightly painted Victorian buildings.

8. Peruse the Painted Ladies

A beautiful juxtaposition between modern and historic San Francisco, the Painted Ladies are a row of Victorian houses painted in cheerful colors near Alamo Square Park. Consider having a sunset picnic in the park to get a great opportunity to see and shoot the ladies in the golden light. It’s a wonderful bit of architecture that San Francisco is known for.

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9. Fuel Up at the Ferry Building Marketplace

Foodies, this is one of the top things to do in San Francisco. On the Embarcadero at Market Street, you’ll find the Ferry Building Marketplace. Inside, you’ll find a wealth of artisanal food shops and eateries, as well as a farmer’s market and events.

Get your coffee fix with local legend Blue Bottle Coffee, then splurge on a delicious vegan donut at Donut Farm, known for flavors like Orange Creamsicle and Lavender Earl Grey. Or go for lunch at Grande Creperie or Delica. You’ve got options! ferrybuildingmarketplace.com/

10. Hop on a San Francisco Cable Car

One of the best things to do in San Francisco is to take the quintessential cable car. This historic form of transportation has been getting people around the city for nearly 150 years.

Be sure to stay on until the car turns around at the Powell/Mason Cable Car Turnaround. Here, the car will be manually turned on a large wooden circle so it can make the return journey. Tickets are $8 for passengers age 5 and up. sfmta.com/getting-around/muni/cable-cars

The Takeaway

San Francisco is the ideal vacation spot because it appeals to foodies, history buffs, science lovers, and anyone who enjoys a good walk in a park. The bonus? You’ll get your steps in if you choose to walk up and down its picturesque hills!

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FAQ

What are free things to do in San Francisco?

Enjoy a stroll around Golden Gate Park or picnic with the Painted Ladies at sunset to enjoy the city without spending a cent.

Where should I eat in San Francisco?

San Francisco is a food lover’s paradise. Both Chinatown and Japantown offer great options, and the merchants at Ferry Building Marketplace specialize in artisanal delicacies.

How many days should I spend in San Francisco?

With so much to do, you could easily spend five days in San Francisco. At a minimum, budget three days to see a decent amount of attractions.

Photo credit: iStock/Eloi_Omella