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BY  Sibashree Sep 5, 2024

Is it about getting most of your travel credits? It’s time to check out the FintechZoom best travel credit card alternatives.  As I was traveling in July this year, the travel credit card I was using gave me a lot of hassle. Only a traveler stuck in a foreign land knows what a nightmare it is! The bonus policies were all over the place for me, and every time I wanted to redeem my award points, the hotels charged me a certain fee. I was angry and did not know why I earned those points!  However, as I returned home, I started exploring other options and found the Platinum Card® from American Express a feasible option.  Then again, a better option for me may not work for others. So, as a traveler, I felt that I should have a sincere discussion about the traveler-friendly options available.  The travel credit card you choose will decide your travel benefits and how many miles you gather. FintechZoom has suggested some of the most suitable travel credit card options. In this guide, we will delve deeper and determine the best options for you.  THIS IS Why You Will Choose FintechZoom Best Travel Credit Card Let me be as honest as a mirror for you! I am always skeptical about what financial solutions to trust, and I piss my partner off with endless questions as he has a better understanding of these things. Then again, he wanted me to learn things the hard way. So, he suggested that I explore the FintechZoom options.  FintechZoom is the best platform for choosing the best travel credit card because of its in-depth analysis and comparisons. Further, FintechZoom makes the most of the artificial intelligence (AI) technology to provide specific information based on accurate financial stats.  In addition, I was really impressed by the transparency of the platform, and the app offered easy navigation while I was exploring options.  THIS Is The FintechZoom Best Travel Credit Card  Here, I present the FintechZoom best travel credit card! I will keep it to the point and drive to your travel requirements.  1. Chase Sapphire Preferred® Card As I was exploring the Chase Sapphire Preferred® Card travel benefits, I found out that USA Today has called it the best travel credit card for “beginners and experienced travelers.” Indeed, the terms are pretty clear and transparent.  Also, my research said that in 2021, Chase was the largest credit card issuer based on market share. So, there is enough backing to go by the FintechZoom suggestion.  What You Get From The Chase Sapphire Preferred® Card The table below explains the benefits of the Chase Sapphire Preferred® Card.  Welcome Bonus60000Flexible Point Transfers* 14 Airline or Hotel Partners (Or you can redeem through Chase Travel℠ at 1.25 cents each.)Travel Purchase through the Card5x Reward PointsDining3x Reward PointsAll Other Travel Purchases2x Reward PointsAnnual Hotel CreditsUp to $50Points Worth 25% More When Booking Travels (For example, for 10000 points, you will get $125 as cash back or gift cards)Yearly Bonus10%Repay Eligible PurchasesUp to 24 Months Without Interest (Purchase of $100 or More)Complimentary Travel Protections$10,000 Per Person and $20,000 Per Trip (Against non-refundable, pre-paid travel expenses when the trip is canceled or interrupted)Purchase Protection Benefits $500 for Each Item and $50000 for Every AccountForeign Transaction FeesWaived OffReferral PointUp to 75000 a Year on Successful Referrals (15000 Points on Each Referral)  However, I found two downsides of the card. The $95 annual fee is a little bothersome. Also, the “21.49%-28.49% variable APR” is high.  * Point transfers can occur among 11 airlines and 3 hotel partners on a 1:1 basis. So, there will be no transfer fees. Marriott, Hyatt, United Airlines, Air Canada, and Air France are some of the prestigious partners for this point transfer benefit.  2. The Platinum Card® from American Express Platinum Card® from American Express is celebrating its 40th year. So, you will get many years of trust and safety when you pick this one. Further, with this best travel credit card, you will get access to airport lounges, and as I have started using this travel credit card, I am already in love with the car rental benefits.  Even though the $695 annual fee is quite high, it has offered me more than $1500 in benefits and values. For me, it is a suitable option as I travel quite often. Honestly, the high annual fee can be justified only when you are using the card frequently. “No other card comes with as much perk potential as The Platinum Card® from American Express (terms apply, see rates & fees). If you travel frequently and want to do so in style, this card deserves a place in your wallet. However, this card is best for urban fitness buffs, frequent travelers, high-end shoppers and those who want top rewards on flights and premium accommodations. If you don’t fit the profile, justifying the $695 annual fee might be a stretch.” - Forbes This Is What You Get From Platinum Card® from American Express Learn the American Express Platinum Card® benefits from the table below.  Membership Rewards80000 (After spending $8000 on “eligible purchases in the first six months of the card ownership.)Foreign Purchase Transaction Fees NoneFlight And Prepaid Hotels Booked through the Card5x Reward PointsOther Purchases 1x Reward PointsAirline Free Credit Up to $200CLEAR® Plus Membership$199Global Entry or TSA PreCheck® Application Fee CreditUp to $85Hotel Benefits Up to $200Digital Entertainment CreditMaximum $240Equinox Credit $300Cellphone ProtectionUp to $800 for Each Eligible Card Account Further,  British Airways Avios and Air Canada Aeroplan are some of the prestigious aviation partners of this travel credit card. Also, among the hotel partners,  Marriott Bonvoy and Hilton deserve a special mention.  I am so proud to have chosen this card!  3. Capital One Venture Rewards Credit Card The Capital One Venture Rewards Credit Card offers an easy and transparent reward program. Here is what you get with this best travel credit card. Unlimited 2x reward points on every purchase 75000 sign-up bonus on a $4000 purchase in the first three months 1,300+ airport lounges access So, overall, this is a card for travelers who go on a trip twice or thrice a year and prefer simple terms.  4. Citi Premier® Card The Citi Premier® Card has great rewards for travelers. You can earn 3x reward points on air travel, hotel booking, and gas station usage.  You have to visit the ThankYou® Rewards program to redeem your reward points. Further, you can transfer the points to the airline partners of the travel credit card for added benefits.  Things No One Told You About Choosing FintechZoom Best Travel Credit Card FintechZoom’s selections are great, and now you have better options. However, to choose the best travel credit card for you, you will have to abide by the following smart tips.  Earlier, I was foolish not to think of these aspects, and I don’t want you to make the same mistakes.  Consider Your Travel Habits You must keep your frequency and expense of traveling and the benefits a card offers on purchases. Further, be careful about dining, lodging, flight booking, and car rental benefits. These are the things that cover the majority of our travel expenses, right?  Know the Sign-Up Bonus When you get a travel credit card, know the minimum amount you need to spend to get the sign-up bonus. It is crucial to get the sign-up bonus if you want to increase your rewards balance.  Further, make sure that the minimum amount you need to spend for the sign-up bonus is within your budget.  Look at the Annual Fee Is your travel credit card waiving off the annual fee for the first year? Or does it offer annual credits?  These are some of the factors that you need to consider to get the best travel credit card. Also. ensure that the perks and rewards of your card are more than the annual fee you pay.  Know About The Foreign Transaction Fees Benefits Foreign transaction fees are bothersome for international travelers. So, waiving foreign transaction fees is crucial if you travel to other countries frequently.  Flexible Redemption Options Flexibility and versatility in redemption options are important while using a travel credit card. The best one will allow you to transfer points to hotels and airline partners.  Of course, the option of redeeming your points as cashback or gift cards is always available.  FAQs About FintechZoom Best Travel Credit Card 1. What makes FintechZoom’s travel credit card recommendations reliable? FintechZoom is famous for its objective and accurate reviews. Further, FintechZoom has reviewed factors, such as sign-up bonuses, redemption points, travel benefits, and annual fees, to suggest the best travel credit cards for us.  Also, the FintechZoom travel credit card suggestions cater to all types of travelers and their different requirements.  2. Can I have more than one travel credit card? Yes, you can have more than one travel credit card. Each card comes with its unique reward redemption benefits and bonuses.  If you are an aware user, you will know the perks of each card and which one will be the most suitable for the type of travel expenses you are making now.  So, use your cards strategically to optimize your travel benefits and earn more points.  3. How can I maximize my travel rewards with the FintechZoom best travel credit card? You can follow simple tricks to optimize your travel credit card benefits.  Know and use the sign-up bonuses. Pay your credit card bill in full and final at the end of every month. Know and transfer the transfer points and transfer them to travel and airline partners for optimized benefits.  4. Are there any downsides to using the FintechZoom best travel credit card? Yes, some travel credit cards can have downsides in the form of high annual fees and APR. Also, the interest rates of these credit cards increase in leaps and bounds if you don’t pay the monthly bill in full. Therefore, you have to be mindful of your financial state and control your spending habits before you apply for a credit card.  Also read Why Include Whale Watching In Your LA Itinerary. Traveling On A Budget: Tips For Affordable Adventures. From Cocktails To Kickflips: Must-Try Activities In San Diego.

BY  Sibashree Nov 21, 2024

“People love Arizona, and our economy is growing because of it. Tourism supports critical services for Arizonans, and our work to build an Arizona for everyone translates to more visitors and more jobs for our great state.” Katie Hobbs, Governor of Arizona. You will find an echo of the governor’s words in the statement shared by Lisa Urias. She is the CEO of the Arizona Office of Tourism. She has mentioned that Arizona’s diversity, amazing beauty, and hospitality are behind the growth of the tourism industry in the state.  Now, there is enough market data to corroborate the claims of the governor and the CEO of the Arizona Office of Tourism. In 2023, 86% of the tourists in Arizona were repeat visitors, and the $1.15 billion tourism tax collected in 2023 was 10% of the state’s operating budget.  Phoenix, of course, plays a crucial role in the state’s tourism development. Along with unique desert beauty, Arizona has the best urban landscapes and the warmth of southwest culture.  In addition, the cheap and free things to do in Phoenix, Arizona, make the city a popular tourist destination.  So, do you want an overview of Phoenix, Arizona’s free and cheap tourist attractions? Let’s explore.  You Can’t Miss These Free And Cheap Things To Do In Phoenix, Arizona Phoenix, Arizona, has a pricey vibe. However, don’t be fooled by that vibe as a tourist. Participating in cultural activities is one of the best things to do in Phoenix, Arizona, for free. Also, people in Arizona are perennially in love with outdoor activities.  You just need to set your itinerary right to enjoy a mix of outdoor pursuits, cultural tours, and more.  Did You Know?Phillip Duppa, an Englishman, was a friend of Jack Swilling. Now, Jack Swilling was one of the city’s founding fathers, and Phillip Duppa named the city Phoenix.The city was named to symbolize rebirth. The idea was that  Phoenix would rise from the ashes of the natives and it would become prosperous in the land of irrigation.  1. Explore The Heritage Square https://www.instagram.com/heritagesquarephx/p/DCkFissSSXY/ Downtown Phoenix bustles with modern vibes. However, Heritage Square is a place that complements its modern vibes with its old-world charm from the Victorian era. Also, the Heritage Square is known as the “National Register of Historic Places.” Many of the buildings here are restored, and exploring the interiors of these buildings is one of the cheapest but meaningful things to do in Phoenix, Arizona.  For example, the Rosson House Museum stands here, and you just need to pay a fee of $15 for admission.  Heritage Square, Phoenix, BuildingsThe Burgess Carriage HouseThe Thomas HouseThe Stevens HouseThe Burgess Carriage HouseThe Rosson House Musuem, etc.  2. Visit Arizona Capitol Museum Open Monday through Friday, 9 AM to 4 PM, Saturday, 10 AM to 2 PM With an “Entry is Always Free” promise, the Arizona Capitol Museum is a big draw in the state. Let me put it directly. If you want to know about the history and culture of the state, you have to visit the Arizona Capitol Museum. The museum also offers in-depth insight into the state’s political scenario.  Further, if you plan to visit Arizona in a few days and have included a visit to the Arizona Capitol Museum as one of the best things to do in Phoenix, Arizona, you must not miss the new Merci Train Exhibition. The museum now celebrates the 75th anniversary of the train’s arrival. Some of the most prominent exhibits at the museum are: USS Arizona: Flagship of the Fleet Arizona Takes Shape The Struggle for Universal Sufferage – Voting Rights Timeline The U.S.S Arizona Artifact Collection, etc.  You can even be a part of the “Arizona Capitol Museum Guided Tour Survey” for educational purposes.  3. Hike At Camelback Mountain Before I get into the details of hiking at Camelback Mountain, I must tell you that it’s difficult and very strenuous. So, if you are not a seasoned hiker at the peak of your fitness, this is not one of the best things to do in Phoenix, Arizona, for you. Still, Camelback Mountain and its Cholla and Echo Canyon trailheads have millions of visitors every year. The current trailhead hours are from sunset to sunrise.  Further, this 2704 feet mountain gets its name from its double humps. Its terrains are uneven with boulders, and the elevation gains are difficult to cope with. However, once you reach the summit, you will get the best views of the Valley of the Sun.  Tour And Travel HighlightCamelback Culture Community, led by Jes Dobbs, is a local group of hikers. Under the leadership of Jes Dobbs, a graphic designer, the group is making an effort to make Camelback Mountain safer.They have launched a timely petition to improve the safety of the mountains in time, considering the death and rescue of three hikers from the Echo Canyon Trail. All of them died due to heat exhaustion.Phoenix experienced record heat waves this season, and the rising temperatures were additional perils for the hikers.Nevertheless, the Camelback Culture Community has made two demands in their petitions.Extension of Trail Hours ( With An Extended Timing Of 4 AM to 8 PM)Installation of Automated Gates At The Trailheads of Camelback and Other MountainsThe petition already has 1,900 signatures and in the words of Jes Dobbs,“I believe having trailheads with year-round, consistent opening and closing times will enable locals and visitors to hike in the cooler hours of the day legally and when their lives allow. Many hard-working people don’t have the option to take a midday hike. They deserve access to exercise and nature during their limited free time – before and after work.” 4. Visit Phoenix Art Museum Thanks to the "Pay-What-You-Wish Wednesday," visiting the Phoenix Art Museum is one of the cheapest things to do in Phoenix, Arizona. Your entry fee is voluntary after 3 PM.  Further, the evening sessions or AfterHours are free, and you can enjoy entertainment events and live music. You can attend these events four times a year.  Family FunDays is another great event to visit the museum for, and it happens four times a year. These events take place on Sundays, and on these days, you can enter the museum for free and attend events for all ages.  Tour And Travel Tip The Western Gallery is the highlight of this museum. Here, you will find artwork from the pioneers and some exemplary works by the modernists.  One thing is common in all these artworks. They show the prominent influence of the beautiful landscape of Arizona.  5. Visit The Historic Heard Museum https://www.instagram.com/p/C7ceBsOsGff/ Does the life of American Indian tribes in the Southwest part of the country intrigue you? The Historic Heard Museum is your go-to destination. Along with the life of the tribes, you will also get to know about their culture and art. When you are at the Historic Heard Museum, the following are going to be your highlights.  Films Ethnographic Displays Kids’ Exhibit However, for me, the main attraction at this museum is Hopi Kachinas. It is an unbelievable collection of spirit dolls. Most of the dolls are gifts from Barry Goldwater, the  Presidential nominee.  Visiting the Historic Heard Museum is one of the best things to do in Phoenix, Arizona. For free entry, you can plan a visit to the museum on the first Friday of every month (except March). The museum operates between 4 PM to 8 PM. Furthermore, Indian fairs, hoop dancing, and competitions are some popular events taking place in the museum.  6. Visit The Desert Botanical Garden Entry to Desert Botanical Garden in Arizona is free on the Community Day or every second Tuesday of the month. Spanning over 55 acres, this botanical garden has flowers, cactus, and trees from across the globe. The best time to visit the botanical garden is between March to May. During these months, you will find Mexican gold poppies and bluebells in full glory throughout the Desert Wildflower Loop Trail.  The garden is well-maintained. Also, as you visit the desert denizens arranged according to theme, you learn a lot about the desert plantation.  Tour And Travel Tip  You have to book the tickets for Desert Botanical Garden in advance if you want to pay a visit on Community Day. 7. Take A Walk In Art Walk Phoenix has the “First Friday Art Walk” on the first Friday of the month between 6 to 10 PM. It is one of the biggest self-guided art walks in the city. Further, you can take the light rail plying through downtown Phoenix and connecting to various art districts of Phoenix.  Also, as you explore the art spaces, galleries, and event venues of the city, you become familiar with the local vibe.  Artlink, a nonprofit organization, started this art walk, and it is still the organizer of the event. Today, this free art event has become the uniting space for people of all age groups.Artists, vendors, and musicians take part in this event to soak in the cultural vibe of Downtown Phoenix.  To explore the best free and cheap things to do in Phoenix, Arizona, you need to find comfortable accommodation first. The table below has the names and details of the best hotels in Phoenix, Arizona.  Hotels In Phoenix, ArizonaPhone NumberDoubleTree by Hilton Phoenix North+1 602-997-5900Great Wolf Lodge, Scottsdale+1 480-948-9653Best Western North Phoenix Hotel+1 602-395-0900Hotel Valley Ho+1 480-376-2600The Clarendon Hotel and Spa+1 602-252-7363The Scottsdale Resort and Spa, Curio Collection by Hilton+1 (480) 991-9000Arizona Biltmore, LXR Hotels & Resorts+1 602-955-6600Embassy Suites by Hilton Phoenix Scottsdale+1 602-765-5800Fairmont Scottsdale Princess+1 480-585-4848 Also read Top 13+ Famous Wonders Of India That You Must Visit. Top 10 Most Popular Paraguay Food That You Must Try. Top Tips For Motorbike Rental In Phuket – A Guide To Exploring The Island On Two Wheels.

BY  Abdul Aziz Mar 14, 2023

So, what is a Type IV? What is the main advantage of a type IV PFD? A PFD or Personal Flotation Device is an essential kit that all personal watercraft and boats should have on board. The main purpose is to stay afloat, and people can be saved in an emergency to save people who are about to drown or can’t swim. When the thought of a personal flotation device comes to our mind, we think about life jackets at first. And yes, a life jacket is also a type of PFD. But, there are different types of PFDs, and every type of PFD is different from the others. And here comes the new kind, which is called Type IV PFD. In this article, you are going to learn about Type IV PFD and its advantages. If you want to experience the boating world or you are new to the bloating world, then Type IV PFD is the first thing that you must keep in your mind. So, let’s know about it. What Is Type IV PFD? watersportswhiz.com Let’s start from the beginning. There is a total of five different types of PFDs. And each and every type serves a different purpose. And the US Coast Guards use these floatation devices to save people, and they need to understand the functions. The most common type of PFD is a life jacket. And I guess everybody in this world knows what a life jacket is. But, Life jackets are Type III PFD. And these Type III PFDs are for calm waters where there should be a quick rescue. And Type III PFDs can be worn, they are not there to be thrown. On the other hand, Type IVs are throwable flotation devices. The main purpose is not to wear the PFDs. Rather, your rescuers can use these Type IV PFDs. The device can be thrown at a person who is drawing or unable to swim. Normally, the devices are made from materials like polyvinyl chloride or polyethylene that don’t absorb water. Type IV PFDs Approval There are specific Type IV PFDs that come in particular sizes. However, there are a couple of variations that you will find in this category. Here are three PFDs that can be used on docks, swimming pools, and large boats. 1. Buoyant Cushion crs4rec.com In this device, there is a strap on both sides of a cushion. And the wearer can hold the sides. You can also place your arms around the straps. If you want to place the large surface under your chest, then you can float on top of them. 2. Ring Buoys isfell.is This is the most common type of PFD that most people know about. There are people who call a ring buoy a life buoy, a life ring, or a flotation ring. If you are in a swimming pool, then you must be familiar with this. 3. Horseshoe Buoys shopify.com This is the third type of PFD in the Type IV variation, and its shape is like a horseshow. These devices are made from closed-cell plastic. And then, there is a coating of vinyl. What Is The Main Advantage Of A Type IV PFD? Though there were Type III PFDs, there is a need for Type IV PFD. Here are the advantages. 4. Lightweight shopify.com These devices are extremely lightweight, so taking these devices from one place to another or throwing them is easy. 5. Easy To Use cruisingsea.com There are no rules or restrictions, a drowning man can not think about those. And this is why these devices are handy and easy to use. 6. Towable stpost.com If you are using other PFD devices, then you must have to take good care. But, a Type IV PFD is towable, and that makes it unique. 7. No Size Restrictions watersportswhiz.com When it comes to a life jacket, there are size restrictions. But in this case, anyone can use it regardless of their size. 8. Versatile watersportswhiz.com You can use a Type IV PFD anywhere. Whether you are in a swimming pool or a coast guard needs to save someone. Read More: 6 Reasons Why You Need To Purchase A Boat 9. Location Marker watersportswhiz.com There is a location marker that tells you where the PFD is. And this is one of the best features. Frequently Asked Questions (FAQs): Here are some interesting questions and answers regarding type IV PFD. a. What Is A Type Iv PFD Example? Ans: Type IV PFDs are designed to throw in the water while there is a conscious person. The PFDs are not for wearing. There are a couple of examples of Type IV PFD, such as a life ring, a buoyant cushion, or even a horseshow buoy. b. What Is Type Iv PFD? Ans: A Type IV PFD is useful when it comes to throwing it in the water while there is a conscious person in it. But you can’t wear it. There are 16.5 pounds of weighted buoyancy, and this is the most common type of PFD. It is a buoyant cushion. There is also another Type IV PFD, which is a ring buoy. c. What Is The Main Advantage Of Type IV PFD Boated? Ans: When it is about a Type III PFD, this is basically a life jacket. A life jacket is the best option for calm waters and when there is a chance for a quick rescue. On the other hand, a Type IV PFD is a throwable flotation device.And there are different types of these devices. Type III is basically what you can wear. But you can not throw a Type III PFD, and this is the main advantage of Type IV PFD. d. What Vessels Must Have A Type IV PFD? Ans: There are non-motorized watercraft, including vessels like inflatable rafts, canoes, sailboats, and kayaks. So, a minimum of 16 feet long vessels require at least one USCG. And these are approved throwables of different Type IV. So, these devices should be accessible immediately. Kayaks and Canoes are exempt from this requirement. e. What Does PFD Stand For? Ans: PFD means Personal Flotation Device. There are different types of PFDs for rescuing conscious people who can not swim or are prone to die by falling into the water. Final Words I hope now you have the answer to what is the main advantage of a type iv PFD. There is a fact that you must know about Type IV PFD. The vessels must have to be at least 16 feet long. Also, if you are using canoes or kayaks, then there is no need to use a Type IV PFD. And if you want to place it near your swimming pool, you can do that also. Thank You. Read Also: When Can Navigation Rules Be Overlooked? Want To Buy A 3 Point Slinger For Camera For Traveling? What Is Most Likely To Cause Someone To Fall Overboard?