We here at TPG talk a lot about credit cards. From the best credit cards for college students to top travel rewards credit cards, it's safe to say we're a little bit obsessed.
But what if you don't already have credit? Some of the best opportunities available for points and miles reside in premium cards that require a hefty credit score and a relatively thick credit report to qualify.
If you're just starting out and have no idea what to do, worry not. There are other ways for you to build your credit without a credit card.
Related: 6 things to do to improve your credit score
This is cheating a little bit here — after all, the title of this guide specifically excludes credit cards — but in this case, the credit card isn't yours. If someone in your family already has a credit card, they can often add you as an authorized user for no additional fee.
While some card issuers, like American Express, require a minimum age to hold a card (13 years), others will allow cardholders of any age.
There's no need for you to use the card, either. Simply having your name on there and ensuring that the primary account holder is making payments means your credit will improve, too. This can be especially helpful for young adults who otherwise wouldn't have credit history.
Even better, if the credit card on which you become an authorized user has some travel perks, you can take advantage too. One of the best perks available to authorized users of credit cards is access to Priority Pass lounges in airports across the world.
Related: Everything you need to know about authorized users
This is a more common approach for those with a thin credit history. No matter what kind of credit you've got, there are options for you to acquire a loan to help build up your report. If you have someone you trust (and who trusts you), you can opt to have a co-signer in order to bring your interest rate down.
If you're not in a position to have a co-signer, you can still be approved for a loan, though you may be at the mercy of the bank in terms of interest rates.
My own first loan was for a car and I was stuck with a murderous 12% rate. I sucked it up, paid it for a year, and refinanced when my credit history improved enough to net me a lower rate. While this wasn't ideal, it did get me a jump-start and allow me to build my credit quickly.
If you aren't in need of actual money and are just looking to build your credit, you can also look into a credit builder loan. Specifically built for those wanting to improve their credit, these loans are generally available at credit unions, banks and online lenders.
Once approved, the loan amount is held by the lender in an interest-bearing savings account. No money is actually withdrawn until the
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American Airlines and Citi have announced the extension of their longstanding cobranded partnership for the next decade. The partnership, which has lasted over 37 years, will see Citi become the exclusive issuer of the AAdvantage cobranded card portfolio starting in 2026.
Starting on January 8, 2025 US travelers—as well as visitors from Australia and Canada—will be required to apply for permission to enter the UK through a new scheme known as Electronic Travel Authorization (ETA).
In the new Hulu show Interior Chinatown, a background actor trapped playing different cliched Asian characters on a police procedural gets involved in Chinatown’s crime scene. Comedian Ronny Chieng, who co-stars on the show, based on the much-lauded book of the same name, is a bit of a connoisseur of Chinatown neighborhoods around the world, having lived in Singapore, Malaysia, Australia, and now the United States. “It’s pretty funny, because the idea of Chinatown is basically in a non-Asian country, right? But the best Chinatowns are probably in Malaysia or Singapore,” says Chieng, who remains a senior correspondent on The Daily Show. “But damn, I’m biased. I have to go with New York City. It's my Chinatown and I think it's the best Chinatown. It's got food, tailors, massage places, coffee. New York City’s Chinatown is where it's at.”
Alterra Mountain Company is celebrating the start of ski season by offering free lift tickets to kids next month at each of their North American resorts.
A winter getaway may just be a click away. Destination Canada, the tourism department for the country of Canada, and Air Canada recently announced a new promotion that will give away 100 free flights from over 50 cities in the United States to Canada, as a way to celebrate the exciting winter adventures in the north. The promotion, called the “SnOOOw Day” giveaway, will choose fifty winners who can pick a companion to join them in Canada, for the 100 flight total. Travelers can enter in for a chance to win a pair of the flights by visiting www.snowdaycanada.com from December 2 through December 20. The contest is open to any United States citizen, age 21 and over. Destination Canada and Air Canada will notify winners in January 2025, and they will have the opportunity to use the tickets from the time they win through March 2026. “Canadian winter is a time for joy, trying new things, and reconnecting with our inner child. The ‘SnOOOw Day Giveaway’ is our way of encouraging Americans to step away from their busy lives and immerse themselves in the wonder of Canada’s winter landscapes,” Destination Canada’s Senior Vice President of Marketing Strategy, and Chief Marketing Officer Gloria Loree shared in a statement with Travel + Leisure. Air Canada operates non-stop flights to 52 cities in the United States, to their major hubs in Canada, which include Toronto, Montreal, and Vancouver. “We’re thrilled to collaborate with Destination Canada to offer contest winners the chance to experience the very best of winter in Canada,” Air Canada’s Director of Global Routes Gabriella Lechner shared in a statement to T+L. In social posts about the promotion, Destination Canada spotlights the exciting winter adventures awaiting travelers, including seeing the northern lights, enjoying fresh lobster, and even a thrilling ride on a dog sled.
There are many reasons why your flight might be canceled or delayed, including operational and technological issues at airports and airlines (remember the recent CrowdStrike meltdown?) and a growing number of unpredictable severe weather events.