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Travel, Tourism and Outdoor Recreation

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EDA Awards 185 Grants to Rebuild and Restrengthen American Travel, Tourism, and Outdoor Recreation

Travel, Tourism & Outdoor Recreation Fact Sheet  (PDF)

American Rescue Plan Fact Sheet  (PDF)

Click here to view the American Rescue Plan Map

The U.S. Economic Development Administration’s (EDA) Travel, Tourism, and Outdoor Recreation program invested $750 million in  American Rescue Plan  funding to support communities across the country whose economies were hard hit by damage to these sectors from the COVID-19 pandemic. With funding going to every state and territory across 185 awards, EDA’s investments are rebuilding the travel and tourism sector and creating a more equitable, competitive, and resilient industry.

Learn more about the Travel, Tourism, and Outdoor Recreation grantees by exploring the  American Rescue Plan Impact Map .

The Travel, Tourism, and Outdoor Recreation program is divided into two components:

• State Tourism Grants:  $510 million in direct awards to help states quickly invest in marketing, infrastructure, workforce and other projects to rejuvenate safe leisure, business and international travel.
• Competitive Grants:  $240 million to help communities that have been hardest hit by challenges facing the travel, tourism, and outdoor recreation sectors to invest in infrastructure, workforce, or other projects to support the recovery of the industry and economic resilience of the community in the future.

Each state or territory is utilizing its directly allocated funds to engage in activities that best support their travel, tourism, and outdoor recreation sectors. These activities include but are not limited to workforce training, new construction or upgrades to existing tourism infrastructure, tourism marketing and promotion, and tourism-related economic planning. The competitive grant program is distributed across 126 awards to support communities across the country as they rebuild and strengthen their travel, tourism, and outdoor recreation sectors. The competitive funding is expected to generate $1.1 billion in private investment and to create or save 10,291 jobs , according to grantee estimates. This program was designed to prioritize equity, and as a result, more than 50% of competitive awards are expected to directly benefit historically underserved communities and populations. In addition, $29.3 million across 12 awards is supporting coal communities and $21.2 million across 9 awards is supporting Indigenous communities.

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9 Ways to Get Business Funding for Tours and Activities

Business funding is the act of providing resources, such as time, money, and effort, to finance a company and its projects. It can be a crucial practice, especially if your tour or activity requires substantial upfront costs or if you run into financial trouble.

When talking about business funding, it’s not just about EU programs and government schemes. There are multiple ways to finance your business and some will be better than others, depending on your circumstances.

In this post, we’ll present nine different options for funding your business. This way, we hope you’ll be able to choose the right source of funding for your situation and get a good overview of the alternatives you have.

Ready? Let’s go.

The main sources of business funding

There are several main ways to acquire business funding – whether you’re just starting out or you’ve been in business for a while. These range from traditional bank loans to modern methods like peer-to-peer lending.

1. Pre-sales

The best way to fund your company is usually revenue. With pre-sales, you get all or part of a payment up-front, meaning you can use that revenue to acquire the resources you need to provide your tour or experience.

The most common example of a pre-sale is when customers buy products online. The same goes for booking tours and activities in advance of the delivery date. Effectively, you’re getting the revenue first so you have some time to utilize it.

If you’re just starting out or expanding with a new experience, consider creating some buzz ahead of the launch date. For example, this Harry Potter-themed escape room was fully booked for months ahead long before its official launch date.

It should be noted that pre-sales work best when you need relatively small amounts of cash. For bigger sums, you can turn to other funding sources.

Where pre-sales aren’t enough, grants can help you secure bigger amounts of cash. Grants are essentially money given to you for a specific purpose, such as developing the tourism sector in a given region.

As such, you don’t need to pay the money back (unless you misuse the grant). In most cases, grants are provided by the government or local authority.

Grants may sound too good to be true, so you might ask “where’s the catch”?

To start off, the competition for grants is usually high. This means you will have to provide a better plan and showcase more potential than other companies applying for the same business funding.

In addition, there are often specific requirements in terms of how to spend the funding and what type of businesses can apply. So the supply of grants is limited by their purpose and you can apply only for the ones that you’re eligible for.

Finally, grants often co-finance projects, meaning that you have to provide some part of the funding using other sources.

As the saying goes: “There ain’t no such thing as a free lunch”. To acquire a grant, you will need to put in the time and effort required. This involves researching the right options in your region and preparing great applications that stand out from your competition.

If you’re based in the EU and want to learn more about grants, check out this guide on EU funding for the tourism sector .

3. Buying assets on credit

If you need business funding for buying assets and equipment, then you can arrange for later payment with your suppliers. This will give you extra time to generate revenue and use it to pay for the new purchases.

If you have a good relationship with your suppliers already, you can try and negotiate a favorable time frame, often up to 90 days from the purchase date. However, if you’re just starting out , it might be hard for you to buy assets on credit, especially when dealing with established and reputable suppliers – which you should do.

4. Friends and family

If you’re confident about your business model, you might also turn to friends and family for initial support.

While it could feel uncomfortable, you may find that people are happy to get involved and lend you some money. It’s exciting to back new projects and most importantly – they probably trust you.

Needless to say, adding money to your relationships may add some pressure – so you need to choose the people you approach wisely. It might be a good idea to offer them to partner with you and get a part of the business. But if you’d like to keep full control, you can try and arrange an interest-free loan from someone close to you.

Bank loans are often the first source people think about when it comes to business funding. And yes, they are still a viable option, especially in good economic conditions.

If you’re eligible for a bank loan and you can’t source enough funding using one of the methods above, then turning to banks may be a good next step.

Bank loans are more readily available but come with extra costs like fees and interest. If you’re new in business, it will be hard to get a loan. But if you’ve been trading for a while (normally at least 3 years) and you have good financial metrics, you might get a good deal.

5. Angel investors

If there’s no way to acquire enough business funding using upfront payments, grants, or loans, then you can turn to equity financing through angel investors.

Angel investors can back you with both cash and expertise in exchange for a share in the business. There are both good sides and bad sides to this arrangement.

The good part is that you’re likely to secure the funding you need while getting an experienced business person to advise you.

The bad part is that you’ll need to give up part of your ownership and control over the company. Also, angel investor money might not be enough if you need lots of business funding. In Europe, the typical angel investment will not exceed 50,000€ so you might have to turn to other sources if you require bigger amounts.

6. Venture capital

Venture capital firms make bigger investments – usually at least 500,000€ to 1,000,000€. They are a logical next step if you need considerable business funding and your company is in overall good shape.

The downside is that VCs typically require a substantial part of your business and decision making power. They also look for companies with high-growth potential, meaning that you need a strong selling point to stand a chance of acquiring such funding.

7. Alternative finance

Alternative finance relates to funding methods outside the traditional financial system (e.g. bank loans). They often involve small contributions from multiple investors (sometimes hundreds or thousands) instead of few but large contributions.

For example, approaches like peer-to-peer lending have grown a lot in recent years and there are many platforms that let individuals contribute to businesses through debt financing.

This means you can tap the crowd and get access to a new and growing capital market – and it’s all done online. The platforms which facilitate peer-to-peer lending usually take care of the legal aspects and due diligence.

Depending on where you live, there will be several types of funding you can acquire. If getting a loan or selling shares is not available, then you’ll probably have access to 2 other types of funding: donation and reward-based.

Donation funding is normally applicable to community projects and charities. However, reward-based funding is often a viable option – it lets you create rewards that people receive in the future in exchange for their contributions. Rewards can be things like merchandise or even early bird tickets to your tour or activity.

While not available to everyone, this type of funding can be a great alternative to more traditional methods of financing.

To learn more, you can check out this article with the top European peer-to-peer lending platforms .

8. Side project

In some cases, you can finance your tour or activity through a side venture. This can be totally unrelated or it could be a complementary product/service.

The most famous example of this type of funding is Airbnb. The founders financed their initial idea by selling politically-themed breakfast cereal.

This unusual side venture earned them over $40,000 so they could finance their activities in the early days of Airbnb.

So perhaps there’s something you can easily do on the side that lets you start or expand your business?

9. Joint venture

Another interesting way to get financing is by forming a joint venture with another business.

Joint ventures are partnerships between companies that establish a new entity, often to work on a mutually beneficial project. The idea behind joint ventures is achieving synergy and utilizing each business’ resources better.

So if you have contacts in adjacent industries, you can try and “join forces” to provide a better service together. This way, you can make use of your complementary resources instead of searching for other types of business funding.

Perhaps a potential partner can provide you with premises and you can acquire the rest of the assets? Or maybe you have all the necessary equipment but need working capital?

Whatever the situation, you will often find that partnering with a business from an adjacent industry can be helpful.

Bonus tip: Minimize risk

The business funding methods above can help you acquire the resources you need to start or expand your company. But we should also note what to avoid.

Amassing credit card debt or risking your private property is almost always a bad idea. You should approach business funding with care and ideally consult with a professional whom you know and trust.

While not essential, business funding can be important for starting and growing your tour or activity.

There are multiple ways to acquire business funding, but some options are better than others in the light of your specific situation.

When possible, you should always aim to finance your company with customer revenue.

If that’s not an option, you can turn to sources like grants which you don’t need to pay back.

Buying on credit, bank loans and support from friends and family are other options – if you’re confident you can pay for your purchases later.

If you can’t secure credit for one reason or another, consider offering a share in your company. This can happen through angel investors or venture capital firms if you’re at a later stage.

Finally, consider alternative financing options like peer-to-peer lending or reward-based crowdfunding.

Where that’s not enough, you can create a side business or set up a joint venture with another business to finance your company.

Whichever type of business funding you choose, the crucial thing is to approach the topic with care and make sure you avoid risky moves.

You might also like:

• How to Conduct Market Research for Tour and Activity Companies
• The Top Online Travel Agencies for Selling Tours and Activities
• 10 Ways To Get Free Advertising For Your Tour Or Activity Business
• How to Set Up an Online Store for Your Leisure Business
• The Best Content Management Systems For Tour And Activity Operators

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Funding Options for a Travel Agency

When starting or growing a business, one of the most important decisions you’ll have to make is how to finance it. There are many different funding options available, each with its own advantages and disadvantages. In this article, we’ll discuss some of the most common funding options for travel agencies.

Before Seeking Funding For Your Travel Agency Business

Before obtaining funding for your travel agency business, you’ll need to do some preliminary work. You’ll need to create a business plan for your travel agency and determine how much funding you need. 

You should also open a business bank account. This will make it easier to track your expenses and keep your finances separate from your personal assets.

Common Funding Options for Travel Agency Companies

There are numerous business financing and funding options available for a travel agency company. The most common ones are:

Bootstrapping

Bootstrapping a travel agency company is often the best option for new entrepreneurs, as it doesn’t require any outside funding. With this option, you can use your personal savings to cover initial costs such as business licenses, website development, and marketing.

This option has the advantage of being relatively low-risk since you’re not borrowing money from anyone else. However, it can sometimes be difficult to start and sustain a business without any outside investment.

Debt Financing

Personal loans from family & friends.

Another common financing option is loans from family and friends. This can be a good option if you don’t have enough money to cover your start-up costs. However, it’s important to establish a clear repayment schedule and to make payments on time to avoid damaging relationships.

Business Loans from SBA or Local Bank

The Small Business Administration (SBA) offers a variety of loans for travel agency businesses, including start-up loans, new equipment financing, working capital loans, and real estate loans. These loans are issued through local banks, and they come with relatively low-interest rates. There are also traditional bank loans and lines of credit that can be used to fund your travel agency business.

Business Credit Card

A company credit card is a good option for financing travel agency businesses. It allows you to borrow money up to a certain limit, and you can use the card to pay for expenses such as marketing, supplies, and travel. 

The advantage of a credit card is that it can help you build your credit history and score as a business. However, you should make sure to pay off your balance each month to avoid accruing interest charges.

Equity Financing

Angel investors.

Angel investors are individuals or groups who invest in early-stage travel agency businesses in exchange for an equity stake in your company. This can be a good option for business owners who want to grow their business quickly, as angel investors can provide financing and mentorship. 

However, angel investors often expect a high return on their investment, so you’ll need to be prepared to give up a 10% – 30% share of your travel agency company.

Other Funding Options

There are a number of other funding options available for travel agency businesses, including crowdfunding and grants. Crowdfunding allows you to raise money from individual investors through platforms such as Kickstarter or Indiegogo. Grants are available from a variety of sources, including the government and private foundations. 

Create Your Business Plan

As mentioned above, for many of these options, you will need a solid travel agency business plan to make a strong case to potential investors or lenders. A well-written business plan can help you secure funding and grow your business.

There are a number of funding options available for travel agency businesses. The most common ones are bootstrapping, debt financing, business credit cards, equity financing, and grants. To secure funding, it is important to have a well-written travel agency business plan.

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Tourism property: financing and investment loans

ESFC Investment Group offers assistance in financing tourism property projects around the world, including large hotels, resorts and entertainment centers.

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Market trends in tourism industry, financing tourism property by countries and regions, europe: germany, uk, france, italy, austria, turkey etc., asia-pacific: china, japan, korea, india, indonesia, australia, north america: united states, canada and mexico, middle east: uae, saudi arabia etc., africa: egypt, nigeria and south africa, south america: brazil, argentina, columbia etc., oceania: fiji, papua new guinea, new zealand, financing options for tourism properties.

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Funding for Travel Agency Companies

Travel agency companies seeking financing often turn to the same sources, including banks, credit cards and loans from friends and family. Unfortunately, these options can hinder a business before it even has a chance to flourish.

In today’s economic world, it’s that much harder to receive the financing your travel agency business needs from traditional lenders like banks, and those who do qualify may find they’re dealing with stringent loan terms and uncompromising repayment conditions.

Meanwhile, credit cards may provide owners with the small business financing they require in the short term, but they also often come with high interest rates that can drive up debt and lead to significant financial headaches down the line.

Finally, while friends and family can often be counted on to support a business endeavor, mixing money and personal relationships is usually a recipe for disaster. The chances that family and friends have enough money to loan for business financing are quite low.

Fortunately, there is still a wealth of options for business financing available to owners across the country.

Why Choose Crestmont Capital for your Travel Agency  Company   Business Loans ?

At Crestmont Capital, we understand that no two travel agency companies are alike, and that’s why we view each scenario individually to ensure that our clients get the financing that suits their business needs. By looking at each business on an individual basis, we can approve many more business owners than our competition.

We can provide funding programs for travel agency companies with less-than-stellar credit, newer businesses, and businesses that perform well but can’t show it with financial statements. Our financing terms can range from 3 months to 10 years! With our common sense process, we approve a large percentage of our applications and are able to our clients significantly more capital. It only takes a few seconds to apply and less than 24 hours for approval.

• No Collateral Required, 100% Unsecured Funds
• Minimal Paperwork Required, Quickly Get Funded Within 24 Hours
• Bad Credit OK, Our Programs are Business Performance Driven
• No Upfront Fees
• Receive Your Approval Within Hours

Custom Tailored Travel Agency Company Business Loans

Small business loans provide your travel agency business with the cash it needs to expand, increase or replace inventory, advertise, consolidate debt, or even pay taxes. We do not offer “one-size-fits-all” lending. We work with you to make sure you understand all your options and help you to choose a loan that makes sense for your travel agency business.

SBA loans are the cream of the crop of small business loans. The Small Business Administration partially guarantees SBA loans, and because of this, lenders are willing to lend to small businesses more often and with better terms. SBA loans come with exceptionally ideal terms, but they will be the hardest type of business loan for which to qualify. 

• Stretching Out High Limit Debt Over a Period of Up To 30 Years
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• Loan Amounts Up To 50 Million
• The Security of a Small Business Administration Loan

Business term loans offer a straightforward, affordable funding solution for small businesses. A traditional business term loan is a lump sum of capital that you pay back with regular repayments at a fixed interest rate. The set repayment term length will typically be one to five years long. Most business owners use the proceeds of term loans to finance a specific, one-time investment for their small business. Like an SBA loan, the terms of a traditional term business loan are ideal, but the requirements are somewhat stringent.

• Flexible terms from 2-5 Years to Fit Your Business’s and Industry Needs
• Low Cost of Funds
• Monthly Payments
• Long-Term Paybacks for Long-Term Projects
• Limited Documentation required for approval
• Grow Your Business The Way You Best See Fit

Businesses face emergency expenses and impromptu investment opportunities. Sometimes, they may not have the necessary funds available. That’s where a business line of credit comes in to play. Our Small Business Line of Credit Process makes this desire a reality.

With a business line of credit, you get access to a pool of funds which you can draw from whenever you need capital. Unlike a traditional business loan, you have the flexibility to borrow up to a specific, set amount. Then you repay only the amount you withdrew, with interest. Business lines of credit are conveniently available whenever needed, so you can use it to handle gaps in cash flow, get more working capital, or address almost any other emergency or opportunity.

• Immediate Access to Funds With No Waiting or Application
• Completely Unsecured with NO Collateral Needed
• Only Pay on Your Outstanding Balance and Not Your Loan Amount
• Regular Limit Increases Available Without Needing Further Documentation
• Every Payment is 100% Tax-Deductible

Unsecured working capital helps businesses with their daily costs. Sometimes, businesses experience lapses in working capital which affect their ability to maintain daily operations. Unsecured working capital is a method of financing that can keep things running.

Our working capital programs provide the funds a small business needs at terms that make sense for the success of that business. We offer loans up to $500,000 with little or no documentation. Our loans can be funded and the cash in your account in as little as 24 hours. The loans are unsecured, meaning we don’t need an interest in any assets for collateral.  Apply for a working capital loan or working capital line of credit and watch your business grow. Once you apply, we do the work and leave you free to do what you’d actually like to be doing, running your travel agency business.

• $20,000 to $500,000 With Limited Documents Required
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Start Up Business Loans

You did it! You opened your travel agency business. You’ve carefully planned and fine-tuned. Now, there’s one more obstacle between you and getting your business off the ground: money. Without it, you can not implement your ideas. Fortunately, there are startup loans for small businesses!

A startup business loan is a type of financing specifically tailored to help get new, small travel agency businesses the capital they need to get things moving. Fortunately, Crestmont Capital has a variety of startup loans to fit your new business’s financial needs.

• Skip the Bank Merry-go-Round
• Man or Woman, Young or Not-So Young – Everyone Has Options
• Quickly & Easily Get Money You Need
• Interest Rates 3.25%+
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• Approval Rate Over 95%

Sometimes, businesses need fast cash. Often, going through the process of procuring a traditional loan will take too long, and the requirements are stringent. In these cases, merchant cash advances (MCA’s) can come in handy.

An MCA isn’t technically a loan; it’s an advance. With this option, we will advance your business’s future credit and debit card revenues that you will repay in a predetermined daily percentage of your business’s credit and debit card revenues. In a nutshell, you will receive an upfront sum of cash in exchange for a percentage of your future sales. Plus, they’re some of the easiest and quickest loans to acquire! Crestmont Capital offers a variety of flexible MCA options for your travel agency company   cash needs.

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New program offers interest-free loans to tourism businesses

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PacifiCan is the federal economic development agency dedicated to help British Columbians, and it is launching a new $108-million program that provides interest-free loans up to $250,000 to eligible tourism businesses that apply by Feb. 20. 

News of the program comes as countless B.C. small businesses, including tourism operators and restaurateurs, are at risk of folding because owners accepted interest-free Canada Emergency Business Account (CEBA) loans during the pandemic and now need to pay the money back by Jan. 18.

Failing to meet CEBA's repayment deadline would mean that the small-business owners would not be able to keep a portion of the original loans.

PacifiCan's program's mission is to increase the size of small and medium-sized tourism businesses in the province, thereby creating jobs, a more competitive industry and potentially globally successful businesses. Approximately 15 per cent of the program's loans are set to be for Indigenous applicants. 

Businesses and not-for-profit organizations can apply for the funding, with not-for-profit ventures able to keep the money and not pay it back. 

Businesses that get loans would enter into contracts and agree to repayment schedules.

To be eligible, applicants must have financially viable businesses that have operated for a minimum of two years in B.C.

"Restaurants, accommodation and retail are not normally eligible," PacifiCan's information page on the initiative says. "Some exceptions can be made for restaurants or accommodations that are an anchor for a tourism community."

Recipients who get funding must spend the money by March 31, 2026.

Project that are chosen to receive loans must include at least one of the following priority areas: • they support active tourism – projects that attract domestic and international visitors to participate in outdoor recreational experiences. This also includes improvements to make active tourism inclusive and accessible; • they increase tourism benefits for communities; • they support Indigenous tourism industry – projects that are either Indigenous-owned or led that improve or increase Indigenous tourism experiences; • they support economic, environmental and cultural sustainability; • they extend the tourism season; and • they complement support provided through provincial programs.

Preference will be given to project proposals that have a high impact on creating or maintaining jobs, increase visitors and achieve strong revenue growth. The winning bids are also expected to have a lasting impact that is felt long after the life of the project. Preference is also given to projects that align with community or regional tourism strategies and have funding outside of PacifiCan that comprises more than have of the projects' total values.

The intent of the program is to help fund infrastructure upgrades, such as trail development and leasehold improvements. It can also fund costs incurred when designing new or improved tourism products and services. Business owners can use the money to buy or rent machinery. They can also use it to pay for community engagement, planning, marketing, product demonstrations and acquiring new technology. 

They are not able to use the PacifiCan loan to refinance existing debt, buy assets at prices that exceed fair market value or pay for lobbying. Other ineligible costs include salary bonuses, dividend payments, entertainment expenses, motor vehicles, land or building acquisitions, donations and ongoing operational costs. 

It is unclear what uptake the program will have given the discontent felt by many small-business owners due to the CEBA loan program fiasco.

The CEBA program helped fund small businesses that were forced to close or limit operations due to public health mandates during the pandemic.

Businesses in the program applied for interest-free government loans up to $60,000, with the incentive being that $20,000 would be forgiven if the rest was repaid by a future date.

Prime Minister Justin Trudeau's government recently granted a modest extension to the repayment deadline: to Jan. 18, 2024, from December 31.

Small business advocates, such as BC Restaurant and Food Services Association CEO Ian Tostenson, have called that 18-day extension "disappointing," and are urging Ottawa to push the repayment deadline into 2025.

“Two-thirds of small businesses do not have the money to repay their CEBA loan and half of those have no capacity to borrow in order to secure the forgivable portion, said Canadian Federation of Independent Business CEO Dan Kelly. "If a business cannot repay the loan in full by Jan. 18, their CEBA debt increases by as much as 50 per cent, creating the potential for a quarter million business failures."

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Cultural Tourism Funding Opportunities

AIANTA collects funding opportunities that may be of interest to Indigenous or Native American tourism & hospitality enterprises looking to grow their tourism, culture, heritage, arts, agritourism or other culture and heritage programming.

Open Funding Opportunities

DOT/FHWA: Development Deployment of Innovative Technologies for Concrete Pavements     

Deadline: May 20, 2024

Tourism Tip:  Use innovative technologies relating to the design, production, testing, control, construction, investigation, operation and impacts of concrete pavements.

MAP Round 2 2024 Request for Proposals (RFP)

Tourism Tip:   Create lasting change to activities on National Forest System lands or adjacent public lands.

Rural Development Broadband ReConnect Program

Deadline: May 21, 2024

Tourism Tip:  Use loans or grant funds for costs of construction, improvement or acquisition of facilities and equipment needed to provide broadband service.

National Endowment for the Humanities: Cultural and Community Resilience

Deadline: May 22, 2024

Tourism Tip:   Address the impacts of climate change by safeguarding cultural resources and fostering cultural resilience through identifying, documenting and/or collecting cultural heritage and community experiences. 

First Nations Development Institute Advancing Tribal Nature-Based Solutions

Deadline: May, 22, 2024

Tourism Tip:   to support climate action through nature-based solutions based on Native knowledge.

  Western SARE: Research and Education Invitation for Proposal

Deadline: May 23, 2024

Tourism Tip : Develop a project incorporating research and education that brings together a team of researchers, students, ag professionals and producers. 

Natural Resources Conservation Service Grazing Lands Conservation Initiative

Deadline: May 26, 2024

Tourism Tip : Develop a more strategic and comprehensive approach to support grazing systems, reach underserved producers and address climate change.

NPS Historic Preservation Fund Tribal Historic Preservation Office Grants

Deadline: May 30, 2024

Tourism Tip : Preserve historic properties and cultural traditions through the designation of a Tribal Historic Preservation Office or annual THPO grant funding.

Clean Energy Technology Deployment on Tribal Lands 

Tourism Tip : Install clean energy technology and/or energy efficiency measures on Tribal lands.

  Newman’s Own Foundation: Food Justice for Kids Prize – Indigenous Food Justice

Tourism Tip : Reclaim traditional food practices and systems to enable Indigenous children to learn about, grow, gather and cook Native foods. 

USDA Rural Cooperative Development Grants

Deadline: May 31, 2024

Tourism Tip :   S tart, improve or expand rural cooperatives and other mutually-owned businesses to help improve economic conditions in rural areas.

Union Pacific Foundation Community Ties Giving Program: Local Grants

Tourism Tip : Create, sustain or expand artistic and cultural experiences, provide recreational opportunities or preserve and restore nature along the UP footprint.

NEH Public Impact Projects at Smaller Organizations (PIPSO)

Deadline: June 12, 2024 (anticipated)

Tourism Tip:  Use interpretive strategies to advance your public programming , strengthen interpretive skill sets or enhance community engagement.

DOE Clean Energy to Communities 

Deadline: June 14, 2024 (anticipated)

Tourism Tip:  Help your  community understand different institutional contexts, resources, challenges, opportunities and ambitions to implement clean energy.

USFS Tribal Wildlife Grant Program

Deadline: June 21, 2024

Tourism Tip :  Use for planning or managing programs to benefit wildlife and their habitat, especially those with cultural or traditional importance. Funding can also be used for mapping, surveys and public education.

National Forest Foundation Matching Awards Program

Tourism Tip : Provide o pportunities for your community to benefit from activities on National Forest System lands or adjacent public lands. 

Bank of America Charitable Foundation

Tourism Tip : Focus on economic mobility in small businesses and support for community arts and cultural institutions.

USDA Rural   Energy for America Renewable Energy Systems & Energy Efficiency Improvement   Loans & Grants

Deadlines: June 30, and September 30, 2024

Tourism Tip:  Use guaranteed loan financing or grant funding for renewable energy systems or to make energy efficiency improvements.

National Credit Union Administration Community Development Revolving Loan Fund

Deadline: July 1, 2024

Tourism Tip:  Use  loans and technical assistance grants to help your credit union support the communities and tourism enterprises they operate.  

NEA Grants for Arts – Part II

Deadline: July 11, 2024

Tourism Tip: Use the funds to assist with art projects that tell the story of your place and culture. Grants are available for arts projects in a variety of artistic disciplines.

National Forest Foundation’s Collaborative Capacity Program for Forests & Communities

Tourism Tip: Support collaboration-based activities to benefit forests and grasslands currently managed by the US Forest Service through the National Forest System.  

NPS Cultural Resources Management Services

Deadline: July 15, 2024

Tourism Tip:   Work in partnership with the NPS to conduct various activities, including, but not limited to, studies outlined in the NPS Cultural Resource Management Guidelines.

VIA Art Fund Artistic Production Grants

Deadline: July 18, 2024

Tourism Tip:   Awards to individual artists, nonprofit organizations or institutions to support new artistic commissions outside museum or gallery walls, within the public realm or in nontraditional exhibition environments.

O’Reilly Automotive Foundation Inc.

Deadline: July 31, 2024

Tourism Tip:   In communities with O’Reilly Auto Parts companies, create a project that addresses economic stability in your tourism programs.

NEA Our Town Grants

Deadline: August 1, 2024

Tourism Tip:   Develop a placemaking project that integrates arts, culture, and design activities to strengthen communities over the long term. 

America Walks: Community Change Grants   

Deadline: October 17, 2024

Tourism Tip:  Use funds to create change and walking opportunities within your community.

NDN Collective Community Action Fund

Deadline: October 31, 2024

Tourism Tip : Support climate disaster response efforts to climate disasters such as flooding, fires and earthquakes.  

Western SARE Professional Development Program

Deadline: November 1, 2024

Tourism Tip:  Engage professionals to conduct educational programs and activities that incorporate environmental, economic and social dimensions of agriculture. 

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View the AIANTA Newsletter Archive for more information.

Guides & Publications

USDA Resource Guide for American Indians and Alaska Natives

The USDA recently published a Resource Guide for American Indians and Alaska Natives (AI/AN) to provide tribal leaders and tribal citizens, 1994 Land-Grant Tribal Colleges and Universities, AI/AN businesses and non-governmental organizations serving AI/AN communities with a tool for navigating USDA resources. This guide provides readers with a comprehensive summary of USDA Programs.  

Recreation Economy at USDA Economic Development Resources for Rural Communities

USDA’s Forest Service (FS), Rural Development (RD) and the National Institute for Food and Agriculture (NIFA) developed this resource guide for rural communities to identify resources that develop the recreation economy. The report forecasts that interest in outdoor recreation will continue over the next 30 years.

Resources for Rural Entrepreneurs: A Guide to Planning, Adapting, and Growing Your Business

In 2022, in collaboration with a network of federal partners, the USDA Resources for Rural Entrepreneurs guide provides resources for start-ups and already-established rural businesses. RD offers more than 40 loan, grant, and technical assistance programs to help improve the economy and quality of life in rural America. Many of these programs can also support community-based entrepreneurial planning and growth. USDA partners with community leaders and developers, local, state and Tribal governments, cooperatives, nonprofits, private organizations and a nationwide network of participating lenders skilled at building local economies.

Stronger Together, Federal funding and planning strategies designed to promote sustainable economic development in rural America

In 2022, the U.S. Department of Commerce Economic Development Administration (EDA) and the U.S. Department of Agriculture Rural Development (USDA RD) published Stronger Together a joint planning resource guide to help community organizations access USDA and EDA resources to build strategies to boost economic development in rural America. The guide is separated into four key focus areas: Planning and technical assistance, Infrastructure and broadband expansion, Entrepreneurship and business assistance and Workforce development and livability.

Federal Resources for Native Arts & Cultural Activities

In 2020, the National Endowment for the Arts published the Federal Resources for Native Arts & Cultural Activities, a guide providing information to connect Native communities to resources that can sustain and invigorate arts and cultural heritage initiatives. It is a consolidation of opportunities offered by federal agencies for organizations looking for funding and other resources to support Native arts and culture activities.

Grants.gov provides a unified site for interaction between grant applicants and the U.S. federal agencies that manage grant funds. The site allows applicants to search for funds by agency.

Federal Agencies

• U.S. Department of Commerce
• Economic Development Administration (EDA) 
• Small Business Administration 
• Regional Innovation Strategies 
• Minority Business Development Agency 

U.S. Department of Interior

• Bureau of Indian Affairs 
• National Park Service 
• Fish and Wildlife Service 
• Bureau of Land Management 
• Bureau of Reclamation 

Bureau of Indian Affairs (U.S. Department of Interior)

• Office of Indian Energy and Economic Development
• Division of Transportation 
• Division of Economic Development 

National Park Service (Department of Interior)

• Grants & Financial Assistance
• Tourism Program 
• Tribal Preservation Program 
• National Historic Landmarks 
• National Register of Historic Places 
• Rivers, Trails and Conservation Assistance Program 
• Conservation and Outdoor Recreation Division 
• Cultural Resources 

U.S. Department of Housing and Urban Development (HUD) www.hud.gov/program_offices/public_indian_housing/ih

• Office of Economic Development 
• Indian Community Development Block Grant 

U.S. Department of Health and Human Services

• Administration for Native Americans (ANA)
• Social and Economic Development Strategies (SEDS)
• Sustainable Employment and Economic Development Strategies (SEEDS)
• Native Youth Initiative for Leadership, Empowerment, and Development (I-LEAD)

U.S. Department of Agriculture (USDA)

• Business & Industry Loan Guarantees 
• Community Connect Grants 
• Rural Business Investment Program 
• Rural Economic Development Loan & Grant Program 
• Rural Microentrepreneur Assistance Program 
• Socially-Disadvantaged Groups Grant 
• Strategic Economic and Community Development 
• Value-Added Producer Grants 
• U.S. Forest Service (trail construction, archaeology)

National Endowment for the Arts (NEA)

• Our Town ($25,000 – $200,000) 
• Challenge America ($10,000 underserved populations)
• Art Works ($10,000 – $100,000)

National Endowment for the Humanities (NEH)

• Division of Preservation and Access 
• Documenting Endangered Languages
• Sustaining Cultural Heritage Collections
• Preservation Assistance Grants for Smaller Institutions 
• Office of Challenge Programs

Institute of Museum and Library Sciences (IMLS)

• Native American Library Services: Basic Grants 
• Native American Library Services: Enhancement Grants 
• Native Hawaiian Library Services Grants 
• Museums for America 
• Inspire! Grants for Small Museums 
• Museums Empowered 
• National Leadership Grants for Museums
• Laura Bush 21st Century Librarian Program
• Museum Assessment Program 
• Accelerating Promising Practices for Small Libraries 

U.S. Department of Transportation www.transportation.gov/grants

• Office of Infrastructure Finance and Innovation 
• National Scenic Byways Program 
• Office of Tribal Transportation 

Environmental Protection Agency (EPA)

• Building Blocks for Sustainable Communities 

State Tourism, Arts & Economic Development Agencies

Arts.gov State and Regional Arts Councils arts.gov/partners/state-regional

California Arts Council arts.ca.gov/grants

California Governor’s Office of Business & Economic  Development business.ca.gov

Montana Tourism Office marketmt.com

Nevada Arts Council: Folklife Community Grant nvartscouncil.org/grants

New Mexico Tourism Office newmexico.org/industry/work-together/grants

Oregon Tourrism traveloregon.com/grants

Additional Resources

Community Foundations www.cof.org/community-foundation-locator The Council on Foundations, founded in 1949, is a nonprofit leadership association of grantmaking foundations and corporations. Use their search tool to find local funding resources.

The Grantsmanship Center www.tgci.com The Grantsmanship Center offers training, publications and consulting to help organizations find funding. The Center provides free access to its Funding State-by-State database listing each state’s top grantmaking foundations, community foundations, corporate giving programs and State website homepages.

Candid (formerly the Foundation Center and GuideStar) candid.org/

Candid is an online source for grants available through private foundations, corporate foundations, and other nonprofits that accept grant proposals. It also provides research on nonprofits and guides, like the 990 Finder.

Bureau of Indian Affairs

Juan Bautista de Anza National Historic Trail

Native American Agriculture Fund

Lewis & Clark National Historic Trail

Bureau of Land Management

National Endowment of the Arts

National Park Service

United States Forest Service

• Branch Structure
• News Currently selected

• 90% of the cost for a new resource-efficiency audit or the full cost for reviewing an existing resource efficiency audit by the National Cleaner Production Centre of South Africa; and 
• grant funding to qualifying small and micro enterprises on a sliding scale from 30% to 90% of the total cost of implementing qualifying resource efficiency interventions, which is capped at R 1 million.

• Secretary’s Corner
• GAD Activities
• GAD Issuances

• Mission and Vision
• Department Structure
• Key Officials
• Citizen’s Charter
• Attached Agencies
• General Info
• Culture & Arts
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• Promotional Fair and Events
• Doing Business
• Philippines RIA Pilot Program
• Tourism Demand Statistics
• Standards Rules and Regulations
• Online Accreditation
• Accredited Establishments
• Learning Management System (LMS)
• News and Updates
• Announcements
• Publications
• Bids and Awards

Zero interest loans, no collateral, easy terms for distressed tourism businesses

The Department of Tourism (DOT) disclosed on Thursday (Sept. 17) some details of the loan program for tourism MSMEs that is being finalized with the Small Business Corporation (SB Corp) of the Department of Trade and Industry (DTI).

Under the Bayanihan to Recover As One Act (Bayanihan 2), the SB Corp was allocated funding for its COVID-19 Assistance to Restart Enterprises (CARES) and was thus directed to expand its loan programs including that for tourism and “to administer loans for DOT but subject to guidelines from the DOT.” Accordingly, the DOT in consultation with its tourism stakeholders has been in constant dialogue with the SB Corp to come up with the appropriate guidelines for the loan program for tourism MSMEs.

During the hearing for the Department’s 2021 budget, Tourism Secretary Bernadette Romulo-Puyat disclosed some details of the guidelines that have been so far agreed upon. SB Corp will prioritize DOT-accredited MSMEs to make it easier for the tourism stakeholders to avail of the loan. No collateral will be required for the loan, which is interest-free, payable in three years with a one-year grace period for a total loan term of four years. The loan application, which will include a two- to three-minute video presentation, may be submitted online. If the loan is approved, a minimal service charge for loan administration will be charged by the SB Corp.

“The agreement is to focus on MSMEs, which is also the emphasis in the Tourism Response and Recovery Plan (TRRP). Our priority now is to sustain our tourism workforce. By providing the working capital needed through these loans, the tourism businesses that have lost much because of the pandemic will be provided with a lifeline,” stressed Puyat.

The P6 billion credit facility may also be made available to non-accredited businesses provided that they are licensed by the local government unit (LGU).

The credit facility is part and parcel of the P10.1 billion package for the tourism industry under Bayanihan 2, which also includes P1 billion for tourism road infrastructure to be implemented with DPWH; P100 million for DOT-accredited and LGU licensed tour guides; and P3 billion to be administered by the Department of Labor and Employment (DOLE) for cash-for-work program to help DOT-accredited enterprises and its displaced employees.

Puyat stressed that the policy for the P3 billion program is not just a release of funds. It will be used as a cash-for-work or cash-for-training mode “because the intention of both departments is to ensure that apart from the cash, the stakeholders will receive something permanent in the process.”

Published:January 28, 2021

Recent News

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DOT launches Tourist Assistance Call Center

Tourism chief visits Tawi-Tawi in PHL, assures LGU, tourism stakeholders of Marcos admin’s full support

Phl records more than 4m foreign visitors; dot optimistic on robust rebound of tourism.

Film Heritage building to rise, boost PH film tourism

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Frasco to speak at UNWTO Global Tourism Economy Forum

DOT, TPB bring back on-site PHITEX 2023 in Cebu

Frasco thanks lawmakers for the swift approval and support for increase of Php 2.7 B DOT budget

DOT’s Bisita, Be My Guest program awards first raffle winners

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1st Philippine Tourism Dive Dialogue unites Dive Industry: 37B raked in 2022

Boost in PH medical tourism seen with public-private convergence

Philippines wins “Asia’s Leading Dive Destination” at prestigious World Travel Awards 2023

DOT affirms support to peace and security efforts under Marcos administration

Frasco cites PBBM’s policies, programs for the industry at PTM 2023

DOT inks deal with Cebu LGU for more Tourist Rest Areas, “Heritage City” Carcar thanks DOT for TRA

DOT in full support to FIBA World Cup Opening Day

DOT, TESDA ink deal to expand tourism education, reinforce tourism training opportunities

DOT, NCIP ink partnership to empower indigenous peoples, protect and promote cultural heritage through tourism

Lawmakers laud tourism initiatives, bat for higher 2024 budget for DOT

PHL records Php 286B tourism receipts from January to July; Frasco bares efforts to support tourism in Central Visayas

PBBM’s prioritization makes tourism among top drivers of economic growth– DOT Chief

DOT inaugurates first Tourist Rest Area in Mindanao; Frasco bares plan to build 15 more TRAs across the country

Dot records more inbound flights to phl, increase in domestic air routes.

Tourism Chief highlights Culinary Tourism in PHL at World Chefs Asia President Forum 2023

NMP-Cebu to spur tourism development in Visayas Region—Frasco

DOT Chief welcomes e-Visa system for Chinese tourists

DOT positions PHL as one of Asia’s most LGBT-friendly destinations

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DOT bares tourism milestones under PBBM’s first year in office; Secretary Frasco optimistic on exceeding industry targets for 2023

PHL int’l tourist arrivals breach 3M mark; tourism receipts surge at P212.47 billion

Frasco inaugurates first ever DOT Tourist Rest Area in PHL

Pbbm trusts frasco, tourism chief gets widespread support.

Frasco launches Philippines Hop-On-Hop-Off for Manila

DOT chief grateful for continued support from lawmakers, employees

Love the Philippines draws widespread support

DOT’s enhanced branding is Philippines’ Love Letter to the world

Batanes joins UNWTO International Network of Sustainable Tourism Observatories inclusion is a manifestation of Philippines’ successful sustainability efforts in local destinations – DOT chief

The Philippines elected as Vice President of UNWTO General Assembly after 24 Years, nabs Chairmanship of Commission for East Asia and the Pacific

DOT eyes increased arrivals from Cambodia

DOT welcomes positive tourism figures for FY2022; vows sustained industry recovery drive under the Marcos administration

Ph vies for six nominations for the wta 2023.

DOT rallies support of tourism stakeholders on digitalization initiatives

Heritage and Arts Tours in San Juan City get support from DOT

Tourism chief, Deputy Speaker Frasco donate for education of Pagsanjan boatmen’s children

Tour Guides to get more livelihood with Digital Bookings

DOT commits full support on Laguna’s local tourism resurgence; vows for more tourism projects in the province

TWG convened to drive up CRK utilization; travel and tourism to remain ‘spark of hope’ for Clark – Secretary Frasco

Philippines wins Emerging Muslim-friendly Destination of the Year Award (Non-OIC)

Dot supports malacañang heritage tours.

The country’s colorful marine life takes the spotlight in DOT’s Anilao Underwater Shootout

DOT, DND, DILG forge pact to make Mindanao a peaceful and viable tourist destination

DOT, PRA ink partnership

DOT lauds Rosquillos Festival’s showcase of local culture, contribution to local tourism

PHL participation in int’l, local travel and trade fairs yields more than P3 billion in business leads—DOT Chief

More than 43k workers receive dot training on the filipino brand of service excellence (fbse).

DOT vows support to SOCCSKSARGEN, Mindanao

Pbbm approval of phl tourism plan to spur tourism transformation, employment, philippines’ int’l visitor arrivals breach 2m.

DOT lauds PATA’s initiative to rebuild tourism communities in Laguna, Pagsanjan Falls

Filipino tourism frontliners recognized during DOT’s 50th founding anniversary celebration

DOT supports new country brand under the Marcos administration

DOT welcomes the resumption of chartered flights to PHL top destination Boracay

Medical Tourism pushed by Marcos Administration with strategic global partnership – DOT Chief

Frasco meets US filmmakers, media execs to promote Philippine tourism

Record number 1,400 Koreans arrive to Filipino welcome led by Tourism Secretary Frasco

Tourism chief Frasco dives in Puerto Galera, provides alternative livelihood to Oriental Mindoro

Philippine-Turkiye air service deal to boost tourism- DOT Chief

DOT-DOLE Tourism Job Fairs offer more than 8K jobs; 3rd leg set in May

DOT, DOTr jointly conduct inspection at NAIA T2 ahead of Holy Week break

More than 6k jobs up for grabs at DOT’s PHL tourism job fair

Go Negosyo, DOT mount Tourism Summit in Cebu

Business as usual in Puerto Galera; DOT to train tourism workers affected by oil spill for alternative livelihood – Frasco

DOT holds Philippine visa reforms convergence

Philippines hits 260M negotiated sales, bags recognition at the ITB Berlin 2023

DOT chief unveils National Tourism Development Plan (NTDP) 2023-2028 at stakeholders’ summit

Frasco meets with Central Europe tourism players, vows prioritization of tourism under Marcos Administration

Philippines comes back with biggest delegation to ITB Berlin, bags sustainable tourism recognitions

Oil Spill affecting tourist sites – DOT Chief

DOT issues guidelines pushing for more openness for tourism enterprises

Tourism chief to lead biggest PHL delegation to ITB Berlin 2023

PHL feted Best Dive Destination anew

New Flights from Clark to boost tourism, decongest NAIA

Frasco lauds Ilocos Norte’s Tan-Ok festival as manifestation of the Philippine Experience’

Frasco: Panagbenga Festival touts Baguio’s tourism resurgence

DOT extends ‘free accreditation’ for tourism establishments

DOT Chief launches Tourism Champions Challenge’ to spur tourism development in LGUs

PHL secures back-to-back nominations at the 2023 World Travel Awards

Frasco convenes first TCC meeting, forecasts full domestic recovery in 2023

Frasco leads groundbreaking of new tourist pit stop to boost Palawan tourism

Frasco leads grand welcome reception for cruise passengers, says ‘PHL aims to be cruise hub in Asia’

Japanese stakeholders bullish of PHL tourism prospects

PBBM, Tourism chief engage Japanese tourism stakeholders in high-level meet in Tokyo

Tourism chief affirms DOT’s support to PH Dev’t Plan 2023-2028

Chinese tourists receive warm welcome from PHL; DOT foresees swifter tourism recovery with Chinese outbound group tour

PHL, CHINA ink tourism implementation deal

PHL breaches 2.6M arrivals for 2022; DOT chief bullish of 2023 projections

DOT lands on Top 3 Highest Approval Rating among Government Agencies; bares targets for 2023

DOT, DICT ink deal for improvement of connectivity in tourist destinations, digitalization of services

DOT, DMW launch newest incentivized tourism promotions campaign

DOT, TIEZA launch 7th Tourist Rest Area in Pagudpud’s Saud Beach

Tourist Rest Area to rise in Bohol

Luzon’s First DOT Tourist Rest Area to Rise In Baguio City

DOT strengthens PHL-Saudi Arabia tourism relations, engages industry key players

Statement of Tourism Secretary Christina Garcia Frasco on the Launch of the e-Travel System

Filipino hospitality, Philippine sustainable tourism highlighted at WTTC Global Summit Saudi Arabia

Frasco welcomes Uzakrota World’s Leading Country Award, PHL destinations’ citations

Frasco eyes more urban parks in the Philippines

DOT’s Frasco is among best-performing cabinet officials- RPMD Survey

Frasco hails first-ever North Luzon Travel Fair as critical to revitalizing tourism; reiterates the Philippines’ readiness for visitors

DOT welcomes long holidays for 2023; PBBM signing of Proclamation No. 90 important stimulus to PHL domestic tourism in 2023: DOT chief

PHL visitor arrivals reach 2M; tourism revenue hit 100B – DOT Chief

Philippines hailed as World’s Leading Dive and Beach Destinations

PHL Tourism Chief initiates tourism cooperation talks with Italian Tourism Minister

Palawan cited “Most Desirable Island” in 21st Wanderlust Travel Award

Outlook for Philippine tourism positive – tourism chief

DOT launches 1st North Luzon Travel Fair

Tourism chief to lead PHL contingent to WTM, brings listening tours to FILCOM in UK

PBBM oks easing of stringent travel restrictions

PHITEX 2022 yields record high 173M sales leads

One Health Pass replaced with PHL’s ‘simpler’ eARRIVAL CARD system

Philippine Experience Caravans to roll out 2023 – Frasco

DOT relaunches Philippine Tourism Awards

DOT exceeds 2022 target arrivals; PBBM rallies support for tourism as admin’s priority sector

Siargao, a priority for Tourism Development — Frasco

STATEMENT OF TOURISM SECRETARY CHRISTINA GARCIA FRASCO

DOT bares tourism wins under PBBM’s first 100 days

Tourist Rest Areas for PHL’s top destination – Cebu

Tourist Rest Areas launched in Mindanao

FY 2023 DOT budget submitted to plenary; Senators press for higher tourism budget

DOT celebrates Philippines’ back to back wins at Conde Naste Traveler Readers’ Choice Awards; Boracay claims spot as top island in Asia anew

Frasco secures CA nod as Tourism Chief

DOT receives HOR nod for P3.573 B budget for 2023

First ever DOT-DOLE nat’l tourism job fair opens

Tourism Chief tackles plans to revive industry, entices foreign investors in New York briefing

PBBM pronouncements at UN meet an “excellent representation” of PHL – Secretary Frasco

DOT-DOLE 1st Philippine Tourism Job Fair pre-registration now open, more than 7k jobs available to tourism job seekers- Sec. Frasco

STATEMENT OF TOURISM SECRETARY CHRISTINA GARCIA FRASCO ON THE LIFTING OF OUTDOOR MASK MANDATE IN THE PHILIPPINES

DOT muling pinarangalan ng Selyo ng Kahusayan sa Serbisyo Publiko 2022

DOT Chief welcomes IATF recommendation to make masking optional when outdoors

Phl scores back to back win in WTA Asia; Intramuros hailed as Asia’s Leading Tourist Attraction of 2022

Frasco lays out DOT plans and programs for industry recovery; lawmakers bat for higher DOT budget

More than 1,500 tourism jobs to be offered in joint DOT-DOLE job fair

Dot to ink tourism job fair program – trabaho, turismo, asenso with dole; domestic, international jobs to be available to tourism job hunters.

Thailand to offer tourism job opportunities to Filipinos– Frasco

PHL tourism chief pushes for increased connectivity, interoperability of vax certs, equalization of opportunities, and sustainability in APEC tourism ministers’ meet

Philippines strengthens tourism ties with Thailand

DOT TRAINS BOHOL VENDORS ON FILIPINO BRAND OF SERVICE EXCELLENCE

20 intl, local dive and marine experts take centerstage at PHIDEX 2022

Measures in place to ensure safe travel to PHL – Tourism Chief

FRASCO OPTIMISTIC OF PH TOURISM RESURGENCE, LAUDS CEBU TOURISM SUCCESS

Frasco eyes visitor-friendly, “distinctly Filipino” air, seaports in PHL

DOT celebrates Philippine Accessible Disability Services, Inc. (PADS) Dragon Boat Team historic four gold medal haul

DOT to facilitate interagency effort to strengthen Filipino Brand of Service

DOT to coordinate on quake-hit tourist destinations, heritage sites

PBBM cites tourism as top-priority; orders infra development, enhancement of Filipino brand

DOT chief takes “Listening Tours” to Luzon

DOT Chief affirms support to National Museum of the Philippines; proposes inclusion of museums in tourism circuits

Boracay, Palawan and Cebu hailed World’s Best Islands; DOT celebrates back-to-back accolades for PHL destinations

Marcos push for Tourism Infra strengthens industry, raises PHL global position – DOT Chief

DOT lauds Boracay’s inclusion in TIME’s 50 World’s Greatest Places of 2022

DOT lauds Cebu-based group win in int’l dance competition

Statement of tourism secretary christina garcia frasco on banaue.

Tourism Chief Frasco kicks off listening tours in VisMin, encourages officials to reach out to LGUs, stakeholders

Tourism chief Frasco to go on ‘listening tours’ starting this week

Dot reports increase in domestic tourism in 2021.

Incoming tourism chief receives warm welcome from employees, vows to bring “LGU perspective” to DOT

DOT’s Philippine International Dive Expo (PHIDEX) returns to Manila next month

First Davao Dive Expo slated on June 24

DOT touts ‘future farms’ as new and sustainable tourist attractions

DOT pitches PHL as ideal retirement destination in Japan Expo

DOT positions New Clark City as premier tourism investment hub

PH’s significant recovery in travel and tourism hot topic in Routes Asia 2022

DOT’s KAIN NA! takes foodies to a multi-sensory adventure

DOT Presents “Escape: Stories from the Road” Podcast

Second (2nd) Online Master TESOL Certification Course

DOT, MMC Foundation partnership brings ER bikes to three Metro Manila tourist sites

DOT spotlights PWDs and women in tourism with new “It’s More Fun for All” campaign

Media release from the department of tourism.

PHL scraps COVID pre-departure test for fully vaccinated, boostered tourists

DENR, DOT and DILG unveil Year of Protected Areas (YoPA) Campaign marking 90th anniversary of Protected Area establishment in the Philippines

Department of Tourism and Mickey Go Philippines introduce Pinoy Mickey Funko Pops

DOT launches “Keep the Fun Going” sustainable tourism campaign with gamified challenges

DOT reminds AEs on proper flag etiquette

DOT 49th Anniversary speech of the Tourism Secretary

DOT pushes for 100% vaccination of active tourism workers

DOT calls for lowering of testing price cap, certification of more saliva test facilities

PHL may be next filming location as Tourism Summit brings in Hollywood execs

WTTC Investment Tour Highlights Viable Opportunities in Clark, Central Luzon

WTTC lauds PH successful hosting of Int’l tourism Summit

Closing and Congratulatory Message during the Closing Ceremony of the 21st WTTC Global Summit of the DOT Secretary

WTTC: ‘Astonishing Recovery’ for Philippines’ tourism sector

World Travel & Tourism Council (WTTC) Exhibition Booths

WTTC Opening Ceremony Welcome Remarks of the DOT Secretary

WTTC bullish on PH tourism recovery amid Covid-19 pandemic

PHL Foreign tourist arrivals breach 200k mark – DOT Chief

DOT, partner agencies celebrate Filipino Food Month

WTTC announces speakers for its 21st Global Summit in the Philippines

DOT seeks return of Korean tourists, PH’s top market

DOT inks partnership with PNP, PDEA to beef up security in tourist destinations

DOT Launches Digital Travel Magazine “7641”

PHL says “All systems go for full reopening on April 1”; Removes EED as entry requirement

Phl logs more than 100,000 visitor arrivals since feb. 10 reopening.

DOT meets with Japanese tourism execs to boost inbound tourism arrivals

Statement of the DOT on hotel rooms occupancy guidelines

PH opens doors to all foreign tourists with easing of arrival requirements starting April 1

Travel to PHL is “easier”, more fun – Puyat

DOT Launches “Sounds More Fun in the Philippines” Playlist on Spotify

DOT hopeful on higher tourism growth with downgrading of NCR, 38 areas to Alert Level 1

Intramuros visitors up by 132% in February

DOT bares higher tourist influx since reopening

Dot welcomes iatf approval to accept the national vaxcert of 12 additional countries.

PH receives 9,283 inbound tourists; DOT upbeat on higher arrivals in months ahead

Puyat: Walk-in booster shots available for Boracay visitors

All systems go for PHL reopening for international travel- Puyat

Kids’ vaccination to make family travels safe, more fun

DOT lists requirements and protocols for arriving foreign leisure guests

Save the date for the World Travel & Tourism Council Global Summit in the Philippines

DOT: PH to accept fully-vaxxed tourists from visa-free countries starting Feb. 10

DOT supports ‘Pharmacy and Drive-thru Vaccination Sites’ rollout in Baguio City

DOT Launches “ASMR Experience the Philippines” Project

Dot to hold 2-day conference on english as second language (esl).

PH cities, hotels bag ASEAN tourism awards

Booster shots rolled out for fully vaxxed tourism workers; 50% of NCR hotel staff already “boosted”

DOT trains over 30,000 tourism professionals amid pandemic

Dot welcomes eased travel movement between gcq and mgcq areas for tourism revival, hotel in ‘poblacion girl” fiasco suspended, fined, intramuros gives vulnerable population a breathing space, dot launches website with exclusive travel deals for balikbayans.

Anilao Underwater Shootout stages a successful comeback

DOT’s KAIN NA! makes a comeback in Tagaytay

Dot earns unwto citation for have a safe trip, pinas ad.

Brgy. Bojo in Aloguinsan, Cebu bags UNWTO best tourism village award

More than 95% of tourism workers in dive establishments already vaccinated against covid-19: dot.

DOT: PHL to welcome Int’l tourists soon

Dot welcomes shortened quarantine days for balikbayans, dot asks lgus to simplify entry requirements in tourist spots, miceconnect 2021 positions boracay as asia’s premier bleisure destination, dot releases latest list of domestic destinations waiving rt-pcr tests for fully vaxxed visitors, dot grants incentives to fully vaccinated individuals visiting intramuros.

Statement of the DOT on waiving RT-PCR requirement to Boracay for fully vaxxed tourists

Anilao underwater ‘shootout’ is back

Puyat, dot execs pitch ph tourism in japan travel mart, dot welcomes eased restrictions in mm under alert level 2, free swab tests for domestic tourists starting nov. 1, dot lists destinations without testing requirement, with projected 100% inoculation rate by next month, boracay will soon waive rt-pcr testing for fully vaxxed visitors.

Domestic Travel Welcome-Back: DOT, TPB launch ‘It’s More Fun with You’ ad and ‘Have a Safe Trip, Pinas’ Viber Stickers

22 divers pass dot guide training in anilao.

PH cited Asia’s top beach and dive destination anew in 2021 World Travel Awards

Dot bullish on camiguin’s reopening, boosts covid-19 vax drive, dot clarifies travel guidelines for ncr residents under alert level 4, alert level 3, good for tourism jobs and businesses as holidays near – puyat, 2nd tourism & technology forum: readying for a different future.

DOT vaccination drive for tourism workers continues in Pampanga

Dot welcomes easing of age restrictions for interzonal travel, less quarantine days for travelers an ‘encouraging development’ for tourism industry – puyat.

Vaccination of Rizal tourism workers crucial to industry’s recovery — DOT

Dot welcomes siargao, palawan and boracay win in int’l travel mag awards, over 43k safety seals issued as more businesses apply, dot backs call to shorten quarantine of fully vaxxed travelers, dot calls for cooperation to ensure success of expanded operational capacity of restaurants in ncr.

DOT lauds Samar LGU vax drive for tourism workers

Message of secretary berna romulo-puyat on the celebration of world tourism day, dot ensures compliance of accredited hotels, resorts to new iatf alert level system guidelines.

Cebu vax drive for tourism workers gains traction with more than 50% inoculated

Puyat bares phl hosting of international tourism conference in march 2022.

DOT and TikTok launch #GandaMoPinas Campaign as local borders reopen

Dot invites esl teachers to free online master tesol certification course.

DOT launches “More Fun Awaits” global campaign to showcase travel preps

Statement of the department of tourism (dot), statement of the department of tourism on the inclusion of palawan in t+l’s top islands in asia, world list, more than 50% of country’s tourism workers vaccinated against covid-19 – dot chief, intramuros site visit of dot secretary berna romulo-puyat.

Intramuros sites and Rizal Park to reopen September 16

Philippines boosts participation in expo 2020 dubai, highlights pinoy food, local tourism businesses receive dot, tpb philcare kits.

DOT, partner agencies drive up promotion of Filipino food experience

More than 7.5k tourism workers in Baguio have received Covid vax – Tourism Chief

Dot, tpb distribute p19m worth of materials to promote safety protocols.

DOT, NTF bring vaccination rollout for tourism workers in Siargao Island

DOT: 95% of tourism workers in NCR vaxxed vs Covid-19

Sustainability is key to tourism industry’s recovery — puyat, dot lauds private sector for vaccine rollout in el nido.

PHITEX 2021: Beyond Business slated for September 19-23

Puyat leads vaccination drive for Pampanga tourism workers

More than 75% of Bohol tourism workers eyed for inoculation with second vaccine roll-out

More than 70% of tourism frontliners in metro manila vaccinated vs covid-19 — puyat.

DOT and TPB SUCCESSFULLY STAGED FIRST-EVER HYBRID EDITION OF THE REGIONAL TRAVEL FAIR

Dot, bpos to hold job fair, statement of the department of tourism.

DOT targets increased inoculation of tourism workers in more destinations

Puyat: More vaccines coming for Palawan tourism workers

Dot statement on nesthy petecio’s silver medal finish in the tokyo 2020 olympics, rizal park drive-thru vax site opens; puyat hails manila’s anti-covid initiative, dot gets highest coa rating for 2nd straight year, statement of the department of tourism on the passing of heritage and cultural tourism advocate mr. ramon hofileña, statement of the department of tourism (dot) on the heightened community quarantine level implementations in ncr, more tourism workers in boracay to receive covid-19 jabs – dot, dot reiterates call for safe travel amid stricter quarantine measure, dot reminds hotels, resorts that room sharing for quarantined families is allowed, dot celebrates siargao inclusion in time magazine as one of the world’s greatest places of 2021, dot launches halal food tourism, dot backs gov’t infra program to boost tourism, dot backs iloilo bid for ‘creative city of gastronomy’ recognition from unesco, statement of the department of tourism on iatf decision allowing children five years old and above, and fully vaccinated seniors to visit outdoor areas, dot partners with viber to promote kain na foodfest, dot: 3,000 boracay tourism workers to receive covid vax, dot, tpb continues to support lgus with digital transformation projects, dot teams up with scarlet belo and cartoon network to take safe trips, dot statement on the activities of the taal volcano, bakuna by the sea: dot hails davao’s innovative approach to travel, hospitality workers, dot, tpb to roll out 2nd phase of rt-pcr financial subsidy program through pcmc, dot unveils region 1 tourism recovery plan, statement of the department of tourism on the drop of tourism contribution to gdp, dot to co-stage virtual fête de la musique june 18-21, more ncr tourism workers receive support through dot-dole program, travel for tourists of all ages from ncr plus to boracay, other mgcq areas extended to june 30, dot eyes inoculation of 5,000 bohol tourism workers, museums in ncr plus to reopen on limited capacity – dot, dot turns food tourism to high heat with 2021 kain na, terms for tourism business loans eased, dot bares tourism recovery plans for bulacan, dot and tiktok launch #sarapmagingpinoy campaign to promote local food tourism, dot launches five-year plan to develop tourism professionals, dot celebrates world environment month, highlights responsible marine wildlife interactions, statement of the department of tourism (dot) on the rt-pcr requirement for leisure travelers under iatf-eid resolution 118a, statement of the dot on iatf-eid resolution 118a, more than 16k bulacan tourism workers get dot-dole cash aid, dot orders stricter monitoring of staycation hotels and aes in gcq areas following new iatf guidelines, dot lauds inclusion of frontline tourism workers in a1 priority group, dot hosts pata summit for first hybrid mice event in 2021, over 1,400 golf workers in metro manila get dot-dole cash aid.

Central Luzon to Showcase ‘Flavors of Pampanga’, readies tourists for gastronomic experience

Dot lauds ph hotels recognized with the 2021 tripadvisor awards, 3,390 tourism workers in marinduque approved to receive p16.95m dot-dole cash aid, puyat bares tourism recovery plans for marinduque, dot proposes ‘green lane’ for fully vaccinated travelers, dot hails expansion of priority vaccination to a4 cluster, including tourism frontliners, 5,986 staycation rooms open for guests from ncr plus, intramuros to open fort santiago, baluarte de san diego to visitors may 17, dot statement on the proposed vaccination center in nayong pilipino, dot welcomes iatf decision to ease travel in ncr plus, 221m cash aid approved for 44k tourism workers in western visayas, statement of the department of tourism (dot) on the collected garbage from the waters of samal island, davao del norte, statement of the department of tourism (dot) on the reported violations of a hotel in davao city, dot to host hybrid pata annual event for adventure travel, p1.5m cash aid approved for 295 intramuros tourism workers, updates on the vaccination of tourism workers, labor day vax for tourism workers, more than 400k displaced tourism workers get dot-dole cash aid, philippine tourism and mice industry to bounce back with the hosting of wttc global summit, dot, manila lgu ink mobile hospital deal, dot-accredited establishment staysafe.ph-users, eligible for safety seal certification, dot grants the wttc safe travels stamp to 33 more hotels nationwide, dot welcomes proposals to convert tourism sites to temporary medical facilities, dot lauds repurposed hotels, calls for ‘bayanihan’ vs covid, dot approves use of burnham green and quirino grandstand in rizal park for temporary mobile hospital and drive-thru vaccination site, dot celebrates saud beach inclusion in the 25 most beautiful beaches in the world list of travel and leisure, 67k displaced tourism workers of ncr+ receive dot-dole cash aid, statement of the department of tourism on the vaccination facility in nayong pilipino property, statement of the department of tourism regarding the alleged birthday “super spreader” event in boracay, dot eyes adoption of covid-19 digital travel pass, dot statement on ecq extension in ncr plus, phl, dot nominated at asia edition of 2021 world travel awards, dot pushes for inclusion of other tourism workers in priority group a4, strict new guidelines set for hotels under ecq; lenten ‘staycations’ within ncr plus suspended, dot statement on ecq for ncr+ areas, dot statement on holy week, rizal park and paco park adjust visiting hours, remain open for physical exercise, dot statement on biatf measures for boracay, tpb philippines spearheads tourism and technology forum (ttf), dot statement on coron tourist with falsified travel documents, dot supports rizal tourism circuit on food, faith, art, adventure and nature, the ‘fun’ continues: philippines joins digital itb berlin, dot to spur domestic tourism in rizal, dot’s stdp program to enhance resiliency of phl destinations – puyat, dot sustains online presence with ‘wake up in ph’ campaign and safety travel advisories, dot greenlights partial operations of hotel restaurants on june 15, dot eyes tourism recovery as more destinations may reopen, domestic travel to drive recovery of tourism industry, says survey, dot hails revival of tourist cops, tourism will recover well, dot chief vows, dot celebrates hidden beach, palawan’s inclusion in cnt’s best beaches in the world, tourism industry hikes share in gdp to 13%; puyat sees strong recovery from pandemic, dot pushes stringent guidelines for stakeholders across the nation, biatf denounces travelers’ breach of entry protocol to boracay, dot lauds partnership model for safe and sustainable tourism in boracay, dot issues guidelines on tourist land transport services, iatf–eid resolution reiterates ‘dot certificate of authority’ as requisite to operate, dot issues protocols on restaurant operations under the new normal, dot welcomes ph ‘rising stars in travel’ citation by forbes.com, dot, dti to roll out health and safety guidelines, digital solutions for restaurants, dot, attached agencies promote digital tourism, tourism chief reminds hotels, resorts: no dot certificate, no business operations during mgcq, dot assists 36,000 tourists during covid-19 crisis, dot webinar tackles digital as the new normal, dot welcomes the resumption of tourism operations in areas under mgcq, trust and health safety key to phl tourism recovery – dot chief, puyat on reopening tourism: ‘do it slowly but surely’, dot brings home 84 tourists stranded in eastern visayas, dot supports coron’s sustainable tourism development to bounce back, dot welcomes puerto princesa reopening to domestic tourists, dot urges for more wttc safe travels stamp applications, boracay’s white beach, el nido’s nacpan beach among tripadvisor’s top beaches in asia, dot statement on uniform travel protocols, dot supports the safe reopening of negros oriental, puyat affirms support for siquijor’s reopening, dot statement on el nido’s swift action against tourists with false covid test records, dot supports dilg’s streamlining of travel requirements, dot assists 98 stranded tourists in western mindanao, dot assists 246 tourists stranded in bicol, dot response team assists 1004 tourists stranded in caraga region, statement of tourism secretary bernadette romulo-puyat, dot8 springs stranded tourists, total assisted travelers now at 11,000, dot assists stranded tourists in central luzon, dot response teams assist over 10,000 travelers, dot announces the guidelines on hotels and other accommodation establishments during the enhanced community quarantine, dot chief: innovation to spur food tourism in new normal, dot webinar tackles heritage site conservation and use amid pandemic, dot banners “filipino brand of service”; assists over 35,000 tourists amid pandemic, dot to jumpstart domestic tourism under stricter protocols with iatf and lgus, dot partners with wttc to share experts’ tourism outlook, recovery plans, dot regulates hotel food deliveries, dot: tourism industry up to tough challenges on path to recovery, more than 155,000 tourism sector workers receive first tranche of dof wage subsidy program, dot mounts sweeper flights; brings home 1000 stranded domestic tourists, dot webinar tackles recovery, future of phl’s m.i.c.e., statement of the department of tourism (dot) on the iatf–eid authorization to mount sweeper flights, statement of secretary bernadette romulo puyat on the passing of former dot secretary ramon jimenez, jr., dot–ncr assists 24,000 in–transit nationals amid ecq of luzon, dot and ssi support philippine food producers in online philippine harvest, dot provides virtual backgrounds for video calls to encourage “travel from home”, dot offers online “enhanced opportunity” training for tourism stakeholders, dot-region 6 delivers filipino brand of service in crisis, dot outlines tourism response, post–covid 19 recovery plan to aid private sector, dot issues guidelines defining “new normal” for accommodation establishments, 24,836 hotel rooms reserved for ofws’ quarantine, bpo staff use – dot chief, stranded tourists welcome extended stay in batanes, dot welcomes lifting of travel ban for outbound passengers, recovery flights, tourism transport to continue for stranded passengers, statement of the department of tourism (dot) on covid-19 local transmission, dot statement on the curfew recommendation for lgus, dot, turkish airlines form partnership to increase philippine tourism from europe and mediterranean source markets, dot celebrates first run of the philippine international hot air balloon fiesta in calabarzon, puyat convenes tourism council; invites public to travel within ph, international visitor receipts hit usd 9.31b in 2019, 20.81% up from 2018, dot postpones nationwide mall sale to prioritize safety of citizens, department of tourism unveils new ad inspired by the abakada alphabet, highlighting unique filipino culture, puyat advocates for cultural and ecotourism in the new normal, relive the history of intramuros city with augmented reality app experience philippines, dot: 1st phl shopping fest kicks off march 1st, doh, dilg and dot give public gatherings green light, 2019 international arrivals exceed target with 8.26 million visitors to the philippines, dot welcomes lifting of taiwan travel ban, joint statement of the department of tourism and tourism congress of the philippines, dot backs “balik sa bohol” for tourism industry revival, intramuros reopens in the new normal, relaxed and standard health protocols, personalized trips key to tourism recovery, says latest philippine travel survey, dot files falsification raps against boracay tourists with forged covid test results, dot: reclassification of industries to hasten recovery, dot statement following the president’s latest directive to contain the ncov, guidelines in handling guests in tourism enterpises in the advent of ncov global health emergency, puyat eyes isabela as top agro-ecotourism destination, dot, dti inspect hotels and restaurants’ compliance with health and safety protocols, dot chief checks readiness of palawan, fresh produce at your doorstep, courtesy of dot–grab tie–up, dot ‘seal of good housekeeping’ boosts confidence among restos amid pandemic – puyat, dot celebrates as palawan reclaims best island in the world citation, tourism chief bullish on english schools’ recovery, dot, fao team up for sustainable farm tourism in ph, meetings, conventions allowed only under mgcq at 50% capacity – dot, boracay now open to youths, seniors from region, dot chief lauds senate approval of bayanihan 2 on final reading, cites plans for 10b stimulus fund, “think out of the box,” tourism industry urged in dot webinar, dot assures tourist stakeholders of all–out support for slow reopening, puyat meets with bohol execs to tackle tourism situation, recovery plans, dot, cloud panda ph launches phl harvest e-commerce site, statement of dot, dot to scale up baguio’s ridge to reef travel bubble plan across phl, dot celebrates “surprisingly spectacular diving” tag of 3 phl dive sites by lonely planet, phl bags best overseas diving award 2020, statement of department of tourism, dot’s phidex 2020 goes digital, dot-dole amended jmc further expands coverage of beneficiaries, dot welcomes new protocols for arriving passengers, dot bats for a more fun, safe and sustainable laguna, dot chief: green corridors are critical to tourism recovery, dot statement on destination test requirements, dot statement on boracay tourists, dot welcomes asean as a single tourism destination, iatf allows baguio hotels to receive domestic tourists under gcq, raising the bar of filipino hospitality with the leadership excellence series 2021, dot lauds inclusion of tourism frontliners in priority group for vaccination, dot’s ‘kain na’ cooks up online food fest, phl hosts 3rd asean meet on tourism professionals; dot commits to beef up competency of tourism workforce in the new normal, safety marshalls to ensure physical distancing when beaches, resorts reopen, 10,000 bpo jobs for displaced tourism workers, puyat to grace baguio reopening; dot to go big on domestic tourism in 2021, chocolate, coffee, tea take centerstage in dot’s kain na food festival, dot receives safetravels stamp from world tourism body, puyat launches baguio’s vis.i.t.a. platform, reopening of boracay to more markets builds momentum for domestic tourism revival, puyat: even in most unusual ways, tourism must stay alive, message of tourism secretary bernadette romulo-puyat on the celebration of the world tourism day, dot statement on the city garden grand hotel, dot chief supports negrense cookbook launch, vows continued support to thriving food tourism scene in western visayas, dot statement on the closure of makati shangri-la hotel, dot pledges to help negros occidental get ready for more domestic tourists, dot welcomes the first two recipients of the wttc safe travel stamp, dot statement on baguio party incident, dot welcomes iatf decision to allow balikbayans, dot launches “have a safe trip, pinas” to promote safe travels and support tourism workers, dot celebrates ph’s victory as world’s leading dive destination and tourist attraction for intramuros in 2020, dot welcomes coron’s reopening on dec. 1 with health and safety measures in place, dot aims for data-driven response to tourism recovery under new normal with survey, dot backs enhanced contact tracing; announces low-cost covid tests with up-pgh for boracay-bound tourists, puyat encourages affected tourism workforce to avail of the expanded dot-dole financial assistance, dot welcomes strides to reboot mice, puyat visits batangas, shores up dive tourism, statement of the dot on cebu resort incident, dot presents virtual concert to promote manila’s cultural heritage sites, dot, makatimed foundation forge partnership for tourism destination health security, dot launches webinar training on reducing single-use plastics for hospitality sector, dot to assist zambales in safe and gradual tourism reopening, dot bats for uniform lgu travel requirements, dot, tpb promote pinoy christmas through music, dot’s 2020 kain na satisfies christmas cravings on fourth leg, dot’s 2020 kain na satisfies christmas cravings on fourth leg, dot prepares local destinations, accommodation establishments for wttc safe travels stamp application, 27,000 displaced tourism workers of car receive dot-dole financial assistance, dot backs temporary suspension of flights from uk, dot inspires balikbayans to come home with ‘balikan ang pilipinas’ campaign, dot, tpb expand rt-pcr financial subsidy program for 11,600 tourists through pcmc, dot reiterates penalties for quarantine hotels used for staycation and other purposes, dot supports strict entry protocols in light of new covid-19 variant, dot reiterates rule on staycation hotels, dot celebrates boracay and palawan inclusion in conde nast’s 25 best island beaches in the world list, dot issues guidelines for safe ‘staycation’, dot accreditation goes digital, boracay reopens, heralds “safe, gradual” revival of philippine tourism, dot gets coa’s highest rating on 2019 audit, dot sees domestic tourism boom in baguio with affordable antigen testing, phl islands named top favorites by int’l travel magazine, dot welcomes reopening of ilocos norte to luzon tourists on oct 15, dot funds rt-pcr testing of boracay tourism workers, dot inks tourism “cares for travel” msme loan program with sb corp, health, safety rules drawn up for recreational diving, batangas now open to divers – dot, puyat reminds ‘staycation hotels’ to follow rules, protocols, dot welcomes baguio city’s opening to guests from luzon starting oct. 22, dot statement on the opening of ilocos sur starting nov 15, ridge and reef corridor heralds domestic tourism recovery, puyat – hotels in gcq, mgcq may now be allowed to operate at full capacity, pra to amend retirement policies, suspends processing of srrv applications, dot supports expansion of palawan’s travel bubble starting oct. 30, tourism chief bats for covid-19 tests price cap, dot urges tourism businesses to avail of sb corp’s covid-19 loan program, dot leadership excellence series returns anew, dot statement on the inclusion of palawan and boracay in big 7 travel’s list of 50 most beautiful places, dot, tpb launch official philippine travel app, dot, dole agree on guidelines for cash-for-work program for displaced tourism workers, tour guides, dot’s kain na takes on food trips for november, intramuros is now asia’s leading tourist attraction the philippines and dot receive accolades at the 2020 world travel awards asia winners day, statement of the department of tourism on prrd’s signing of eo 118, dot inks mou on tourism education, training, dot partners with nissan to promote ‘safe trips’, dot allows operation of 7,200 hotels, resorts, dot lauds ibagiw 2020, baguio’s creative city festival, dot welcomes reopening of phl’s surfing capital, siargao, ridge and reef travel corridor expands to ilocos sur, dot chief visits baguio city, touts cultural tourism with creative crawls, sec. puyat to grace 2020 bambanti festival, dot allocates p340.7m for iloilo tourism infrastructure development, tourist arrivals mark 7.4m in november, up by 15.58%, safety of tourists is dot’s top priority – sec. puyat, dot, cab collaborate to enhance air passenger’s bill of rights, statement of the department of tourism, 2nd statement of the department of tourism, dot thanks smart for emergency satellite phones, dot–dotr meet to boost tourism infra, connectivity; puyat to push approval of 1b for night–rated airports, dot chief to visit, vows to revitalize baguio, tourism chief: phl one with asean in responding to covid crisis.

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Small Business Administration (SBA) Loans

The SBA helps small businesses get SBA loans by supporting them up to a certain loan amount.

SBA loans can be used for many purposes — including launching or expanding a business, purchasing inventory or equipment, or consolidating high interest debt.

SBA 7(a) Loan Program

• Can be used for a variety of purposes including acquisition of a business, purchase of real estate or equipment, tenant improvements, working capital to help manage cash flow and business expansion.
• Term loan amounts up to $5 million are available. SBA fees may apply.
• Allows more flexible loan terms, with longer terms and maturities and with less money down.

SBA 504 Loan Program

• Can be used for purchase of real estate, construction, equipment acquisition and refinancing debt.
• Maximum loan amount through Chase varies by project. An SBA fee applies to the CDC portion of the loan, and an origination fee may apply to our portion of the loan.
• Extended terms up to 25 years are available.
• Save money with competitive terms, amortizations, and long-term interest rates.
• Borrow up to 90% of the project cost or collateral value.

Make payments easier and grow your business

Sba express lines and loans.

• Can be used for real estate, business acquisition, equipment purchase or working capital needs.
• Term loans and lines of credit up to $500,000 are available to meet the ongoing needs of your business. SBA fees may apply.
• Fixed or variable interest rates.
• Flexible loan terms give your business more options.

SBA Preferred Lender

As a Small Business Administration (SBA) preferred lender, Chase works with small businesses to secure business loans with flexible terms, fixed and variable interest rates, and loan amounts up to 5 million. Small business loans provide working capital for starting a business, managing cash flow and expansion, and equipment purchase or refinancing debt.

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Tourism business loans payment extended, terms more relaxed — DOT

(FILE)  The long beach of Boracay Island, the island’s main attraction, is unusually less crowded as summer approaches due to COVID-19 travel restrictions. (Photo courtesy of Jigger Latoza)

MANILA, Philippines — The government has extended the grace period for the payment of loans to distressed tourism micro, small and medium enterprises (MSMEs) as other terms for soft loans were further relaxed, the Department of Tourism (DOT) announced on Thursday.

The DOT said the Department of Trade and Industry’s (DTI) Small Business (SB) Corp. has extended the grace period of the interest-free soft loans to two years from one year, along with other relaxed terms under Bayanihan 2, the government’s pandemic recovery program.

The relaxed terms also allowed the second round of loans to help tourism enterprises retain their employees, according to the agency. Businesses with existing loans may also reapply for the second round of loans for employee retention, given that their existing loans will not exceed the maximum loanable amount and that their Bureau of Internal Revenue’s (BIR) filed financial statements support a higher loan amount.

DOT said only those tourism MSMEs accredited by the tourism department or registered by the Barangay Micro Business Enterprises could avail of the relief measure.

The loan amount — which will be based on the businesses’ BIR’s 2018 or 2019 financial statements — shall not exceed 15 percent of annual sales of the business or 20 percent of its asset’s size, according to DOT, citing SB Corp.

The maximum loanable amount for business is now at P5 million for medium enterprises, P3 million for small enterprises, and P300,000 for micro-enterprises, the agency added.

Tourism Secretary Berna Romulo-Puyat welcomed the relief measure as she encourages tourism MSMEs to avail the loan .

“We thank DTI Sec Ramon Lopez and the SBCorp for making these necessary adjustments to help tourism businesses thrive amid this global health crisis,” Puyat was quoted as saying.

“While we see the vaccination of tourism workers as the light at the end of the tunnel for the industry, we also know that tourism businesses still badly need the government’s support to get by in the coming months as we wait for vaccine doses to arrive,” she added.

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8 Vacation Loans: Finance Your Travel in 2024

Vacation loans are one way to cover travel expenses. Compare loans plus other financing options.

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Vacation loans are unsecured personal loans used to pay for travel, such as taking a cross-country road trip or flying to a dream destination.

A personal loan can be an expensive way to finance a vacation, so consider all options before borrowing, including travel rewards cards, 0% interest credit cards and — the cheapest option — your savings.

Here are lenders that offer personal loans for vacation. Learn about the pros and cons of vacation loans and other options to fund a future trip.

• 20+ years of combined experience covering personal loans and financial topics.
• Objective, comprehensive star rating system assessing 20+ categories and 70+ data points.
• Governed by NerdWallet's strict guidelines for editorial integrity .
• 35+ personal loans reviewed and rated by our team of experts.

SoFi offers prime borrowers competitive rates, no fees and rate discounts. Its perks include fast funding, a wide range of loan amounts, plus financial advice.

Our pick for

Vacation loans for borrowers with good or excellent credit

Lightstream.

6.99-25.49%

$5,000-$100,000

Discover® Personal Loans

7.99-24.99%

$2,500-$40,000

SoFi Personal Loan

8.99-29.99%

Vacation loans for borrowers with fair or bad credit

8.99-35.99%

$2,000-$50,000

7.80-35.99%

$1,000-$50,000

Small vacation loans

Lendingclub.

8.98-35.99%

$1,000-$40,000

8.49-35.99%

What is a vacation loan?

A vacation loan is an unsecured personal loan used to pay for travel expenses, including flights, hotels, rental cars, meals or anything else trip-related.

These loans don’t require collateral and are repaid in fixed monthly installments, meaning the monthly payment won’t change over the course of the loan. Online lenders, banks and credit unions all offer vacation loans.

Most financial experts advise against incurring debt for discretionary vacation spending. For urgent travel, and when a loan is your cheapest option, borrowing may make sense. But make sure the monthly payments fit into your budget, and commit to paying off the loan on time.

Pros and cons of vacation loans

Weigh the pros and cons of a vacation loan to see if it’s the right choice for financing a trip.

Pros of vacation loans

Receive the money in a lump sum: You receive funds from a personal loan all at once, rather than over time as you spend money. Having a fixed amount can help you plan and stick to your vacation budget.

Predictable monthly payments: Personal loans have fixed interest rates, which means you’ll have a fixed monthly payment for the full loan term. Working toward a set debt payoff date can also help you stay focused on making payments.

» MORE: NerdWallet's guide to smarter travel

Cons of vacation loans

Potentially risky debt: If you struggle to repay other debts, a vacation loan could add financial stress. Even one missed payment could cause a hit to your credit score, plus you’ll incur late fees while still accruing interest, making the trip more expensive than intended.

Years of payments: Terms on personal loans range from two to seven years — long after you’ve returned home. Carefully consider how long you want to be paying for your travel.

Vacation loan rates

Annual percentage rates on personal loans range from about 6% to 36%, and some lenders may use the reason for the loan to help decide your rate and loan amount.

The rate you ultimately get depends primarily on your credit score and debt-to-income ratio , the percent of your income that goes to other debts each month. The higher your credit score and the lower your DTI, the more likely you are to get a low rate on a vacation loan. A lower rate means a less expensive loan.

For example, a two-year loan of $3,000 with an APR of 11% would cost about $140 in monthly payments and $3,356 overall. That same loan with a 25% APR would require monthly payments of $160 and cost $3,843.

Use our personal loan calculator to estimate monthly payments based on the loan amount, rate and term.

» MORE: Average personal loan rates

How to get a vacation loan

If you’re interested in a vacation loan, you can get one in four simple steps:

Check your credit report and address any delinquent accounts or errors before you apply.

Estimate the total cost of the vacation in advance so you can request the right loan amount.

Pre-qualify with multiple lenders to see which offers the lowest rate and repayment terms that fit your budget. Pre-qualifying doesn’t affect your credit score.

Gather the necessary documents — including proof of identity, W-2s or pay stubs, your Social Security number and bank account numbers — and submit a formal application .

» GET STARTED: Pre-qualify for free on NerdWallet to compare loan offers

Alternatives to vacation loans

Before getting a loan, consider these alternatives to finance your trip.

Savings: If there’s time, start saving . Create a dedicated travel savings account and put away some money each month. Find out how much the trip will cost by comparing prices of flights, hotel rooms and car rentals on travel websites.

» MORE: How to travel on a budget

Travel credit cards: If you travel frequently and have good or excellent credit (690 or higher credit score), you may qualify for a travel credit card that offers a sign-up bonus and other perks that could help lower the cost of trips in the long run.

0% credit card: If you have good credit, you may also qualify for a low-interest or 0% intro APR card that allows you to carry a balance interest-free, typically for 15 to 21 months. That means if you can pay off the trip in that time, you can skip the interest altogether.

“Buy now, pay later” loans: Some lenders, like Uplift and Affirm , partner with major airlines, hotel companies and travel websites to include BNPL financing for travelers when they book their tickets. This means you can make your purchase now, but pay for it in installments, similar to a personal loan. Borrowers with fair or bad credit (below 690 credit score) may have an easier time qualifying for BNPL than with other financing options.

Last updated on May 30, 2024

Methodology

NerdWallet’s review process evaluates and rates personal loan products from more than 35 technology companies and financial institutions. We collect over 50 data points from each lender and cross-check company websites, earnings reports and other public documents to confirm product details. We may also go through a lender’s pre-qualification flow and follow up with company representatives. NerdWallet writers and editors conduct a full fact check and update annually, but also make updates throughout the year as necessary.

Our star ratings award points to lenders that offer consumer-friendly features, including: soft credit checks to pre-qualify, competitive interest rates and no fees, transparency of rates and terms, flexible payment options, fast funding times, accessible customer service, reporting of payments to credit bureaus and financial education. Our ratings award fewer points to lenders with practices that may make a loan difficult to repay on time, such as charging high annual percentage rates (above 36%), underwriting that does not adequately assess consumers’ ability to repay and lack of credit-building help. We also consider regulatory actions filed by agencies like the Consumer Financial Protection Bureau. We weigh these factors based on our assessment of which are the most important to consumers and how meaningfully they impact consumers’ experiences.

NerdWallet does not receive compensation for our star ratings. Read more about our ratings methodologies for personal loans and our editorial guidelines .

NerdWallet's Vacation Loans: Finance Your Travel in 2024

• LightStream : Best for Vacation loans for borrowers with good or excellent credit
• Discover® Personal Loans : Best for Vacation loans for borrowers with good or excellent credit
• SoFi Personal Loan : Best for Vacation loans for borrowers with good or excellent credit
• Prosper : Best for Vacation loans for borrowers with fair or bad credit
• Upstart : Best for Vacation loans for borrowers with fair or bad credit
• Best Egg : Best for Vacation loans for borrowers with fair or bad credit
• LendingClub : Best for Small vacation loans
• Upgrade : Best for Small vacation loans

Frequently asked questions

A vacation loan is an unsecured personal loan used to pay for travel expenses, like flights, hotels or meals out.

You can finance a vacation with a personal loan or credit card, but it typically costs interest. The cheapest option is paying for a vacation with savings.

Title Transfers and Changes

To prove vehicle ownership, it’s important to have a valid, up-to-date, and accurate California Certificate of Title. Here’s how you can transfer and change a title. 

Transfer your Title online!

You can now transfer a title online. Learn more about the steps and get started.

How to Transfer a Title

Anytime there’s a change to a vehicle or vessel’s registered owner or lienholder, that change must be updated in DMV’s records within 10 days and the California Certificate of Title must be transferred to the new owner.

A change in ownership is usually due to:

• Sale, gift, or donation
• Adding or deleting the name of an owner
• Inheritance
• Satisfaction of lien (full payment of car loan)

To transfer a title, you will need:

• Either the California Certificate of Title or an Application for Replacement or Transfer of Title (REG 227) (if the title is missing). 
• The signature(s) of seller(s) and lienholder (if any).
• The signature(s) of buyer(s).
• A transfer fee .

Depending on the type of transfer, you might need to complete and submit additional forms. See below for other title transfers and title transfer forms.

Submit your title transfer paperwork and fee (if any) to a DMV office or by mail to: 

DMV PO Box 942869 Sacramento, CA 94269

Rush Title Processing

If you need us to expedite your title processing, you can request rush title processing for an additional fee.

Transfer Fees

Depending on the type of transfer, you may need to pay the following fees:

• Replacement title
• Use tax, based on the buyer’s county of residence
• Registration

See the full list of fees .

Renewal fees and parking/toll violation fees don’t need to be paid to issue a replacement California Certificate of Title.

Title Transfer Forms

These forms may be required when transferring ownership of a vehicle or vessel:  Application for Replacement or Transfer of Title (REG 227) Vehicle/Vessel Transfer and Reassignment (REG 262) form (call the DMV’s automated voice system at 1-800-777-0133 to have a form mailed to you) Statement of Facts (REG 256) Lien Satisfied/Title Holder Release (REG 166) Notice of Transfer and Release of Liability Smog certification Vehicle Emission System Statement (Smog) (REG 139) Declaration of Gross Vehicle Weight (GVW)/Combined Gross Vehicle Weight (CGW) (REG 4008) Affidavit for Transfer without Probate (REG 5) Bill of Sale (REG 135) Verification of Vehicle (REG 31)

Other Title Transfers

When you’re buying a new car or a used car from a dealership, the dealer will handle the paperwork and you’ll receive your title from DMV in the mail.

When vehicle ownership is transferred between two private parties, it’s up to them to transfer the title. If you have the California Certificate of Title for the vehicle , the seller signs the title to release ownership of the vehicle. The buyer should then bring the signed title to a DMV office to apply for transfer of ownership. 

If you don’t have the California Certificate of Title , you need to use an Application for Replacement or Transfer of Title (REG 227) to transfer ownership. The lienholder’s release, if any, must be notarized. The buyer should then bring the completed form to a DMV office and we will issue a new registration and title.

Make sure you have all signatures on the proper lines to avoid delays.

Other Steps for the Seller When Vehicle Ownership is Transferred

• 10 years old or older.
• Commercial with a GVW or CGW of more than 16,000 pounds.
• New and being transferred prior to its first retail sale by a dealer.
• Complete a Notice of Transfer and Release of Liability (NRL) within 5 days of releasing ownership and keep a copy for your records.

Once the seller gives the buyer all required documentation and DMV receives the completed NRL, the seller’s part of the transaction is complete.

*If the vehicle has been sold more than once with the same title, a REG 262 is required from each seller.

Other Steps for the Buyer When Vehicle Ownership is Transferred

• Current registered owner(s), how names are joined (“and/or”), and lienholder/legal owner (if any).
• License plate number, vehicle identification number (VIN), make, model, year, and registration expiration date.
• Title brands (if any).
• Words “Nontransferable/No California Title Issued,” indicating a California title was not issued and a REG 227 cannot be used (see FAQs).
• Get a smog inspection (if applicable).

Once the buyer has provided the DMV with all the proper documents and fees, the vehicle record is updated to reflect the change of ownership and a registration card is issued.

A new title is issued from DMV headquarters within 60 calendar days.

To transfer a vehicle between family members, submit the following:

• The California Certificate of Title properly signed or endorsed on line 1 by the registered owner(s) shown on the title. Complete the new owner information on the back of the title and sign it.
• A Statement of Facts (REG 256) for use tax and smog exemption (if applicable).
• Odometer disclosure for vehicles less than 10 years old.
• Transfer fee .

You may transfer a vehicle from an individual to the estate of that individual without signatures on the Certificate of Title.

Submit the following:

• The California Certificate of Title. On the back of the title, the new owner section must show “Estate of (name of individual)” and their address. Any legal owner/lienholder named on the front of the title must be re-entered on the back of the title.
• A Statement of Facts (REG 256) confirming the owner is deceased and Letters Testamentary have not been issued. The person completing the statement must indicate their relationship to the deceased.

Use tax and a smog certification are not required.

Vehicle ownership can be transferred to a deceased owner’s heir 40 days after the owner’s death, as long as the value of the deceased’s property in California does not exceed:

• $150,000 if the deceased died before 1/1/20.
• $166,250 if the deceased died on or after 1/1/20.

If the heir will be the new owner, submit the following to a DMV office:

• The California Certificate of Title. The heir must sign the deceased registered owner’s name and countersign on line 1. The heir should complete and sign the back of the title.
• Affidavit for Transfer without Probate (REG 5) , completed and signed by the heir.
• An original or certified copy of the death certificate of all deceased owners.

If the heir prefers to sell the vehicle, the buyer also needs (in addition to the items above):

• Bill of Sale (REG 135) from the heir to the buyer.
• Transfer fee (two transfer fees are due in this case).

To transfer vessel ownership, submit the following:

• The California Certificate of Ownership. The registered owner signs line 1. The legal owner/lienholder (if any) signs line 2. Complete the new owner information on the back of the certificate and sign it.
• Bill(s) of sale, if needed to establish a complete chain of ownership.
• A Vessel Registration Fee .
• Use tax based on the tax rate percentage for your county of residence.

After you sell a vessel, complete a Notice of Transfer and Release of Liability (NRL) within five days of releasing ownership and keep a copy for your records.

How to Update or Change a Title

Because a California Certificate of Title is a legal document, it is important to keep it accurate and up-to-date. Here’s how you can update or change a title. 

Order a Replacement California Certificate of Title

You must order a replacement California Certificate of Title when the original is lost, stolen, damaged, illegible, or not received. 

To order a replacement title, submit the following:

• Application for Replacement or Transfer of Title (REG 227) .
• The original title (if you have it).
• California photo driver license (if submitting form in person).
• Replacement title fee .
• If another replacement title was issued in the past 90 days, a Verification of Vehicle (REG 31) completed by the California Highway Patrol (CHP). This requirement only applies if the registered owner’s name or address doesn’t match DMV records*.

You can submit your application either in-person* at a DMV office or by mail:

Department of Motor Vehicles Registration Operations PO Box 942869 Sacramento, California 94269-0001

If you’re submitting your form to a DMV office, we recommend you make an appointment so you can avoid any lines. 

You’ll receive your title by mail 15-30 calendar days from the date you submit the replacement title application.

*If you’re applying for a replacement title and the registered owner’s name or address doesn’t match DMV records (except for obvious typographical errors), you must submit your application in person with proof of ownership (e.g. registration card) and an acceptable photo ID (e.g. driver’s license/ID card).

Online Replacement Title Request

Visit our Virtual Office to request a replacement title online.

Change or Correct a Name on a Title

Your true full name must appear on your vehicle or vessel California Certificate of Title and registration card. If your name is misspelled, changes (e.g as a result of marriage or divorce), or is legally changed, you need to correct your name on your title.

To change or correct your name, submit:

• California Certificate of Title with your correct name printed or typed in the “New Registered Owner” section
• A completed Name Statement in Section F of the Statement of Facts (REG 256) .

You may submit your application to any DMV office or by mail to:

Department of Motor Vehicles Vehicle Registration Operations PO Box 942869 Sacramento, CA 94269-0001

Removing Information that was Entered by Mistake

If a name or other information is entered on a title by mistake, complete a Statement to Record Ownership (REG 101) .

Frequently Asked Questions

If the vehicle has a legal owner/lienholder, then section 5 of the REG 227 needs to be notarized. If the registration does not show a legal owner/lienholder, notarization is not required.

Need help finding the lienholder on your vehicle title? We keep a listing of banks, credit unions, and financial/lending institutions that may have gone out of business, merged, changed their name, or been acquired by another financial institution.

No. You must obtain a title from the state where the vehicle was last titled.

If you’re unable to obtain a title from that state, provide documentation that they cannot issue a title. A motor vehicle bond may be required

Contact us for more information .

Need something else?

Fee calculator.

Use our fee calculator to estimate any applicable registration or title transfer fees.

Renew Your Vehicle Registration

You need to renew your vehicle registration every 1-5 years in California, depending on the vehicle. Make sure your registration is up-to-date.

Make an Appointment

Some applications can be submitted to a DMV office near you. Make an appointment so you don’t have to wait in line.

General Disclaimer

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• Best for Everyday Spending
• Best for Flat-Rate Cash Rewards
• Best for Rotating Cash Back Categories Label
• Best for Families
• Best for Groceries, Dining, and Entertainment
• Best for Self-Care and Pet Card
• Why You Should Trust Us

Best Cash Back Credit Cards of June 2024

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews .

The information for the following product(s) has been collected independently by Business Insider: Wells Fargo Attune℠ Card, Capital One Savor Cash Rewards Credit Card†, Chase Freedom Flex℠, U.S. Bank Cash+® Visa Signature® Card. The details for these products have not been reviewed or provided by the issuer.

• Best cash back credit card for everyday spending : Chase Freedom Unlimited®
• Best cash back credit card for flat-rate cash rewards : Wells Fargo Active Cash® Card
• Best cash back credit card for rotating cash back categories : Discover it® Cash Back
• Best cash back card for families : Blue Cash Preferred® Card from American Express
• Best cash back credit card for groceries, dining, and entertainment : Capital One SavorOne Cash Rewards Credit Card
• Best cash back credit card for self-care and pet care : Wells Fargo Attune℠ Card

Introduction to Cash Back Credit Cards

Cash-back credit cards are among some of the most popular card types, returning anywhere from 1% to 10% cash back on all kinds of purchases — and often without an annual fee. For folks who are just getting into credit card rewards, or who want to keep things simple, cash-back credit cards are a good choice since they don't require much work to use.

Best Cash Back Credit Card Comparison

Earn 5% cash back on Chase travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

0% intro APR on purchases and balance transfers for the first 15 months

20.49% - 29.24% Variable

Earn an additional 1.5% cash back on everything you buy

Good to Excellent

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Solid flat cash-back rate
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can combine cash-back rewards with Ultimate Rewards points if you have an eligible card
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee
• con icon Two crossed lines that form an 'X'. Some other cards offer a higher rate of cash back on certain types of purchases

The Chase Freedom Unlimited® is a great choice for credit card beginners and experts alike. With no annual fee and a high earnings rate, it's worth considering as an everyday card — and it's even better when you pair it with an annual-fee Chase card like the Chase Sapphire Reserve®.

• Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
• Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
• After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
• Member FDIC

• Earn unlimited 2% cash rewards on purchases.

0% intro APR on purchases and qualifying balance transfers for 15 months from account opening

20.24%, 25.24%, or 29.99% variable

Earn $200 cash rewards bonus

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good welcome bonus for a $0 annual fee card
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Straightforward 2% cash rewards on purchases with no categories to track
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong benefits including cell phone protection, Visa Signature perks, and an intro APR on purchases and qualifying balance transfers
• con icon Two crossed lines that form an 'X'. If you've opened a Wells Fargo card in the past six months, you may not qualify for an additional Wells Fargo credit card
• con icon Two crossed lines that form an 'X'. Foreign transaction fees

The Wells Fargo Active Cash® Card is definitely worth considering if you want to earn a strong rate of cash rewards on purchases without rotating categories or earning caps and with no annual fee. It's got a solid welcome bonus and intro APR offer, which puts it high on our list of the best zero-interest credit cards.

• Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
• Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
• 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
• $0 annual fee.
• No categories to track or remember and cash rewards don't expire as long as your account remains open.
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
• Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.

0% intro APR for 15 months on purchases and balance transfers

18.24% - 28.24% Variable

Earn Unlimited Cashback Match™

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. From April 1 to June 30, 2024, you can earn 5% cash back at gas stations & electric vehicle charging stations, home improvement stores, and public transit on up to $1,500 in purchases after enrollment, then 1%
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Discover will match your cash back earned at the end of your first account year
• con icon Two crossed lines that form an 'X'. Cap on how much bonus cash back you can earn each quarter
• con icon Two crossed lines that form an 'X'. If the quarterly categories aren't convenient for you, you can earn more cash back with a different card

The Discover it® Cash Back is one of the best credit cards that offers 5% back on popular rotating categories up to a spending limit. Your rewards are matched by Discover after the first 12 months, and the card has no annual fee.

• Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
• Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
• Redeem your rewards for cash at any time.
• Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
• Get a 0% intro APR for 15 months on purchases. Then 18.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
• No annual fee.
• Terms and conditions apply.

Earn 6% cash back on purchases at U.S. supermarkets (up to $6,000 per year, then 1%). Earn 6% cash back on select U.S. streaming subscriptions. Earn 3% cash back on transit (including taxis, rideshare, parking, tolls, trains, buses, and more). Earn 3% cash back on gas at U.S. gas stations. Earn 1% cash back on all other purchases. Cash back is received as Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

$0 intro for the first year, then $95

0% intro APR for 12 months on purchases and balance transfers from the date of account opening

19.24% - 29.99% Variable

Earn a $250 statement credit

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous bonus rewards, especially at U.S. supermarkets
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. One of a small handful of credit cards that offer bonus rewards on select streaming services
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Intro APR offer
• con icon Two crossed lines that form an 'X'. Unlike many other cash-back cards, it charges an annual fee
• con icon Two crossed lines that form an 'X'. If you spend more than $6,000 at US supermarkets each year, you'll want to use another card once you reach that cap

The Amex Blue Cash Preferred is one of the best cash-back cards, particularly for consumers who spend a lot of money at U.S. supermarkets, use streaming services, or have lots of commuting and gas expenses. The annual fee is worth it if your typical spending lines up with the card's bonus categories.

• Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
• $0 intro annual fee for the first year, then $95.
• Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
• Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
• 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
• 6% Cash Back on select U.S. streaming subscriptions.
• 3% Cash Back at U.S. gas stations.
• 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
• 1% Cash Back on other purchases.
• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
• Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
• Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
• Terms Apply.

Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024. Earn 8% cash back on Capital One Entertainment purchases. Earn 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply). Earn 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®). Earn 1% cash back on all other purchases.

0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time)

19.99% - 29.99% Variable

Earn $200 cash back

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Bonus cash back on dining, entertainment, and grocery store purchases
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Long intro APR period for purchases and balance transfers
• con icon Two crossed lines that form an 'X'. Other cards earn more cash back in certain bonus categories
• con icon Two crossed lines that form an 'X'. Not the highest sign-up bonus among cash-back cards

The Capital One SavorOne Cash Rewards Credit Card offers a good welcome bonus and excellent return rates that can earn you cash back on common expenses like dining, groceries (excluding superstores like Walmart and Target), streaming, and entertainment — plus there's no annual fee to worry about.

• Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
• Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
• Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
• Earn 8% cash back on Capital One Entertainment purchases
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
• No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
• 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
• No foreign transaction fee
• No annual fee

Earn unlimited 4% cash rewards on select self-care, planet-friendly, and sports, recreation, and entertainment purchases. Earn 1% cash rewards on other purchases.

0% intro APR for 12 months from account opening on purchases

Earn a $100 cash rewards bonus

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High cashback rate on common expenses including gyms, spas, pet care, concert tickets, and public transit
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cellphone protection
• con icon Two crossed lines that form an 'X'. Limited reward redemption beyond cash back

Best Cash Back Credit Card Reviews

Cash back credit cards make it easy to rack up rewards by offering simple redemption opportunities: Either convert your cards into a statement credit toward your card's outstanding balance, or use them for travel redemptions or other exciting prizes and rewards. The best cash back credit cards offer bonus categories, introductory 0% APR for balance transfers and new purchases, or additional value on everyday transactions.

These are the top options available in 2024, according to Business Insider's team of personal finance experts. 

Best Cash Back Card for Everyday Spending

If you're looking for a card that combines strong bonus categories with decent flat-rate rewards on non-bonus spending, the Chase Freedom Unlimited® could fit the bill. It offers 5% cash back (5x points) on travel purchased through Chase Travel, 3% cash back (3x points) on dining and drugstore purchases, and 1.5% cash back (1.5x points) on everything else. 

The Chase Freedom Unlimited® has no annual fee and offers a 0% intro APR on purchases and balance transfers for the first 15 months. After that, there's a 20.49% - 29.24% Variable. If you have a major purchase ahead of you, that introductory offer can be useful.

If you also have an annual-fee Chase Ultimate Rewards card like the Chase Sapphire Preferred® Card , Chase Sapphire Reserve® , or Ink Business Preferred® Credit Card , you can pool your points from the two cards. Then, you'll be able to transfer the whole body of points to Chase's airline and hotel partners or use them to book travel through Chase with a bonus.

Plus, the Chase Freedom Unlimited® has a substantial welcome offer: additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year). 

Read our Chase Freedom Unlimited® review

Best Cash Back Card for Flat-Rate Cash Rewards

Not only does the Wells Fargo Active Cash® Card rank highly in this guide, but it also tops our list of the best 2% cash back credit cards . It earns a flat rewards rate on everything —  2% cash rewards on purchases, with no bonus categories to keep track of. Our guide to earning and redeeming Wells Fargo Rewards details all the ways to use your cash rewards from this card.

It offers a substantial welcome bonus for a no-annual-fee card: $200 cash rewards bonus after spending $500 in purchases in the first three months from account opening. In addition, new cardholders get a 0% intro APR on purchases and qualifying balance transfers for 15 months from account opening (followed by a 20.24%, 25.24%, or 29.99% variable APR). That's super useful if you have large expenses you want to pay off over time. 

The Wells Fargo Active Cash® Card comes with a good array of benefits, which include cell phone protection, roadside dispatch, travel emergency assistance, and access to the Visa Signature® Concierge. However, it does charge foreign transaction fees, so if you're traveling outside the US, you'll want to pack a different card.

Read our Wells Fargo Active Cash® Card review

Best Cash Back Card for Rotating Cash Back Categories

If you prefer a card that earns straight cash back, not points, and like the idea of rotating bonus categories, the Discover it® Cash Back could be a great fit. You can earn 5% cash back in popular rotating quarterly bonus categories when you activate, on up to $1,500 in combined spending (then 1%). You'll also earn 1% back everywhere else (from April 1 to June 30, 2024, earn 5% cash back at gas stations & electric vehicle charging stations, home improvement stores, and public transit on up to $1,500 in purchases after enrollment, then 1%).

Instead of a regular welcome bonus, Discover rewards new cardholders in a different way. After the first 12 months, it will match all of the rewards you earn from the card through the Discover Cashback Match program. That means you can effectively earn up to 10% back in your first year — and if you're a big spender, this can pay off handsomely.

Read our Discover it® Cash Back review

Best Cash Back Card for Families

If you're looking for an American Express cash back card, especially if you have a large family that spends a lot on groceries, streaming, and commuting, the Blue Cash Preferred® Card from American Express is an excellent option. It offers a 0% intro APR for 12 months on purchases and balance transfers from the date of account opening, before switching to a 19.24% - 29.99% Variable APR.

Currently, the card offers a welcome bonus of a $250 statement credit after you spend $3,000 in purchases on your new card within the first six months from account opening. It also comes with a handful of travel and shopping protections, including car rental insurance, return protection, purchase protection, and extended warranty. 

Keep in mind there's an annual fee of $0 intro for the first year, then $95, so you'll want to be sure you spend enough to justify paying it. If you prefer a no-annual-fee Amex cash-back card, check out the Blue Cash Everyday® Card from American Express instead.

The Blue Cash Preferred® Card from American Express offers the highest rewards rate available for grocery spending, although there is a $6,000 annual spending cap on that 6% rate. After that, you earn 1% (cash back is received in the form of Reward Dollars that can be redeemed as statement credits or at Amazon.com checkout). Otherwise, the card earns 6% back on select U.S. streaming subscriptions, 3% back at U.S. gas stations and on transit, and 1% back on all other purchases.

Read our Blue Cash Preferred® Card from American Express review

Best Cash Back Card for Groceries, Dining, and Entertainment

The Capital One SavorOne Cash Rewards Credit Card seems almost custom-made for folks who like to get out and experience life to the fullest. If you're a foodie, love attending concerts and sporting events, or even enjoy entertaining at home, this card can help you earn a lot of rewards for your spending.

Cardholders earn 3% cash back on dining, at grocery stores (excluding superstores like Walmart and Target), entertainment, and popular streaming services, and 1% cash back on all other purchases. The Capital One SavorOne Cash Rewards Credit Card also offers 5% cash back on hotels and car rentals booked through the Capital One Travel portal.

The welcome bonus is generous, too: $200 cash back after you spend $500 on purchases within three months from account opening. And if you've got big purchases coming up, a 0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time) (followed by a 19.99% - 29.99% Variable APR) can make it easier to spread out your payments ( rates and fees ).

This card offers a handful of good benefits, including extended warranty***, travel accident insurance***, and travel emergency assistance services***. As with all other Capital One credit cards , you won't pay foreign transaction fees on international purchases, so it's great to use when you're out globetrotting.

Also, if you don't think your credit score is good enough to qualify for the regular version of the card, and you're currently enrolled in college, you could apply for the student version of the card to convert to the regular version after graduation.

Read our Capital One SavorOne Cash Rewards Credit Card review

Best Cash Back Card for Self-Care and Pet Care (Gyms, Spas, Pet Care)

The brand-new Wells Fargo Attune℠ Card is perfect for people who prioritize fitness, self-care, pet care, live shows and other ticketed experiences, and environmentally friendly choices. This no-annual-fee card earns 4% cash back on select purchases in self-care, planet-friendly, and entertainment categories such as gyms and fitness expenses, spas, pet care and grooming, concert tickets, public transit, some thrift stores, EV charging stations, and similar purchases. 

New cardholders can also take advantage of two introductory offers: $100 cash rewards bonus when you spend $500 in purchases in the first three months from account opening, and 0% intro APR for 12 months from account opening on purchases (then 20.24%, 25.24%, or 29.99% variable APR). 

Read more in our Wells Fargo Attune card review .

What You Should Know About Cash Back Credit Cards

Cash back credit cards can be an easy way to break into the world of credit card rewards. They come in a few different types:

• Flat rate —  These cards earn the same rate of cash back on all purchases. For example, the Chase Freedom Unlimited® earns 1.5% back on most spending (the Freedom Unlimited also offers bonus cash back on eligible travel, dining, and drugstore purchases).
• Select bonus categories — Many other cash back cards offer bonus cash back (more than 1%) on select spending categories. For example, with the Capital One Savor Cash Rewards Credit Card† , you'll earn 4% back on dining, streaming services, and entertainment, and 3% back at grocery stores (excluding superstores like Walmart and Target).
• Rotating categories — A few cards, including the Chase Freedom Flex℠ , offer bonus cash back on a selection of spending categories that changes every quarter of the year. These cards have a cap on how much bonus cash back you can earn each quarter — with the Chase Freedom Flex℠, you'll earn 5% back on up to $1,500 in combined purchases each quarter (then 1%).
• Some cards are starting to offer yet a fourth format for delivering cash back rewards: pick your own bonus categories from a list of options. These cards include the Bank of America® Customized Cash Rewards Credit Card and the U.S. Bank Cash+® Visa Signature® Card .

If you're willing to juggle multiple credit card accounts, there's value in having both cash back and points-earning cards. If you prefer a single-card strategy, evaluate your goals and consider how much you're willing to pay in annual fees to make the best decision for your situation.

If you're trying to put money back in your wallet, our top recommendations are to transfer your cash back to a bank account or use it to reduce the amount owed on your credit card statement.

On the other hand, if you're hoping to earn rewards that you can redeem for travel, a card that earns points is more up your alley. Our points-earning picks for the best rewards credit cards  earn either Amex Membership Rewards points, Chase Ultimate Rewards points, Citi ThankYou Rewards points, or Capital One miles. You can transfer all of these currencies to travel partners and redeem them for things like free flights. (Note that while Capital One calls its rewards currency "miles," they aren't miles with a given airline program.)

How to Use a Cash Back Credit Card

To use a cash back credit card, you'll want to remember that it won't be worth it if you're paying interest or late fees. It's important to pay your balance in full each month, make payments on time, and only spend what you can afford.

Cash back cards vary greatly in their return rates — you can earn anywhere from 1% to 6% back. Even better, many cash back cards have no annual fee , so you don't have to pay for the privilege of earning rewards.

If you're new to rewards credit cards and aren't interested in earning travel points or miles, a cash back card is the best option for you. With cash back cards, 1% back will always be 1 cent back, no matter what, and you can use your cash back to lower your monthly bill or transfer it to your checking account, among other options.

The best cash back credit card for you depends on your spending habits and if you prefer a flat rate of cash back on all spending or earning bonus cash back on specific types of purchases. Flat-rate cash back cards are best for those who don't want to keep track of multiple bonus categories and just want a simple earning structure.

But if you really want to maximize your rewards earning, choosing a card that earns bonus cash back in categories where you spend a lot — like groceries, dining, or gas — can make a huge difference in your rate of return.

How to Choose a Cash Back Credit Card

To choose the best cash back credit card for you, you'll want to look for a few things:

• The cash back rate for your common spending categories . Extra cash back for gas isn't much use if you don't drive. Consider how you intend to use this card, and look at the rate for those spending categories.
• How you redeem your cash back . Make sure you're clear on what you're earning. Is it statement credit? Cash? Points? If points, can they be combined with or transferred to other cards you have, or brands you like?
• The annual fee . An annual fee may make or break your choice. Are you willing to pay one? And more importantly, can you afford it comfortably — or will it be effectively wiped out by the cash back you'll earn in a year?

We don't mention the APR because the rate only applies if you're carrying a balance on your credit card. We recommend applying for a cash back credit card intending to pay off the balance in full each month. For other categories of credit cards, like balance transfer cards, the APR might be a more important consideration.

If this all sounds too complicated, you can't go wrong by using the Wells Fargo Active Cash® Card, which has no annual fee and a flat earning rate of 2% cash rewards on purchases.

Cash back credit cards are often best used in combination with cards that earn points to create a complete credit card portfolio that takes advantage of multiple types of rewards. If you're trying to decide whether to open a cash back credit card, whether as your first card or one of many, bear these pros and cons in mind:

Pros of cash back credit cards

• They rarely carry annual fees
• There are no restrictions on how you can redeem and spend the cash
• You can earn airline and hotel status by booking with cash (but not points)

Cons of cash back credit cards

• They rarely offer large sign-up or welcome bonuses
• Cash back is generally less valuable, dollar for dollar, than points

Cash Back Credit Card Best Practices

If you have a cash-back credit card or are considering opening one, you'll want to make the most of it. Keep the following steps in mind to get the most value from your card:

Always Pay Your Balance in Full

Credit card cash back or points aren't useful if you're carrying a balance and paying interest charges each month. To make the most of rewards, use your card responsibly: Spend only the money you have and pay your bill in full each month.

Track and Maximize Bonus Categories

Some cash-back cards offer elevated rewards rates on specific spending areas, like restaurants, gas stations, or supermarkets. Some of these cards even change those areas from quarter to quarter, meaning you'll want to stay on top of where your card earns the most and when.

If you use your cash-back card for every purchase, you don't need to be as diligent, but if you're using your card as one of many you'll want to be sure you know how to maximize rewards.

Redeem Your Cash Back Rewards

It might be tempting to let your cash back pile up just to watch the total tick up, but it's more useful if you redeem it. You can generally apply the cash to your card balance or get it deposited in your checking account, and either one is a fine option. 

Consider Opening A "Partner" Card For Additional Value

As mentioned above, in some cases, you can transfer cash back to a points-earning card on which your rewards are worth more. This strategy isn't required to make the most of your cash back card, but it can help take rewards to the next level.

Chase cards are an example of this: If you hold a cash-back card like the Chase Freedom Flex℠ and a points-earning card like the Chase Sapphire Preferred® Card, you can transfer rewards earned on the Freedom Flex to the Sapphire Preferred, and unlock more redemption options. 

Cash Back Credit Card Frequently Asked Questions

Cash-back credit cards work by giving you a percentage of every dollar you spend — usually at least 1% — as cash back in your card account. Some cash-back cards earn a higher percentage in bonus categories, such as groceries, dining, or gas. You can transfer the cash back you earn from these cards to a bank account, use it to pay down your credit card statement, or redeem it for gifts and merchandise.

Cash-back credit cards do give cash, but that's not to say you'll necessarily see the physical cash. You're typically awarded cash back as a credit that you can use to cancel out purchases from your credit card statement, or to redeem for gift cards or merchandise online. Some cards do let you take your cash as a deposit to your account or as a check.

No single credit card offers the most cash back in every category, but there are a few that stand out for high rewards. For example, the Amex Blue Cash Preferred Card earns 6% back on the first $6,000 you spend each calendar year at US supermarkets (then 1% back), and 6% back on select US streaming services. And the most rewarding choice for dining out is the Capital One Savor Cash Rewards Credit Card† with 4% back. 

A cash back card could be better than a travel or rewards card, depending on what you want to do with your rewards. If you primarily want to put money back in your bank account rather than earn rewards you can redeem for travel, a cash back credit card is ideal — and you usually won't have to pay a very high annual fee, if you have to pay one at all. 

To make the most of a cash back credit card, always pay the balance in full each month. Also, read up on rewards rates for different spending areas (some cards offer elevated rates in areas like restaurants, gas stations, or supermarkets). Make sure to actually redeem your cash back instead of letting it pile up, and consider opening a "sister" card from the same issuer. Some cash back cards let you transfer rewards to travel cards from the same bank, then transfer points to airline and hotel partners they're worth the most.

Why You Should Trust Us: How We Chose the Best Cash Back Credit Cards

We looked at the dozens of cash back credit cards currently available to new applicants and narrowed down our list by looking at a few factors:

• Ease of use — Are there any hoops to jump through, like needing to be a member of a specific bank?
• Rewards earning potential — How much cash back can you earn with this card, and how broad are the bonus categories?
• Annual fee — Many cash back cards waive an annual fee, but for the few that do charge a fee, is it justified based on the card's rewards?
• Options for various types of consumers — We wanted our top cash back card picks to reflect different types of users, from families looking to maximize grocery spending to those looking to rebuild their credit score.

See a full breakdown of how we rate credit cards at Business Insider.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Trip Delay Insurance, Trip Cancellation and Interruption Insurance, and Cell Phone Protection Underwritten by New Hampshire Insurance Company, an AIG Company. Global Assist Hotline Card Members are responsible for the costs charged by third-party service providers. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers. Extended Warranty, Purchase Protection, and Baggage Insurance Plan Underwritten by AMEX Assurance Company. Car Rental Loss & Damage Insurance Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

***Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

For rates and fees of the Blue Cash Preferred® Card from American Express, please click here.

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Gagarin Cup Preview: Atlant vs. Salavat Yulaev

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Gagarin cup (khl) finals:  atlant moscow oblast vs. salavat yulaev ufa.

Much like the Elitserien Finals, we have a bit of an offense vs. defense match-up in this league Final.  While Ufa let their star top line of Alexander Radulov, Patrick Thoresen and Igor Grigorenko loose on the KHL's Western Conference, Mytischi played a more conservative style, relying on veterans such as former NHLers Jan Bulis, Oleg Petrov, and Jaroslav Obsut.  Just reaching the Finals is a testament to Atlant's disciplined style of play, as they had to knock off much more high profile teams from Yaroslavl and St. Petersburg to do so.  But while they did finish 8th in the league in points, they haven't seen the likes of Ufa, who finished 2nd. 

This series will be a challenge for the underdog, because unlike some of the other KHL teams, Ufa's top players are generally younger and in their prime.  Only Proshkin amongst regular blueliners is over 30, with the work being shared by Kirill Koltsov (28), Andrei Kuteikin (26), Miroslav Blatak (28), Maxim Kondratiev (28) and Dmitri Kalinin (30).  Oleg Tverdovsky hasn't played a lot in the playoffs to date.  Up front, while led by a fairly young top line (24-27), Ufa does have a lot of veterans in support roles:  Vyacheslav Kozlov , Viktor Kozlov , Vladimir Antipov, Sergei Zinovyev and Petr Schastlivy are all over 30.  In fact, the names of all their forwards are familiar to international and NHL fans:  Robert Nilsson , Alexander Svitov, Oleg Saprykin and Jakub Klepis round out the group, all former NHL players.

For Atlant, their veteran roster, with only one of their top six D under the age of 30 (and no top forwards under 30, either), this might be their one shot at a championship.  The team has never won either a Russian Superleague title or the Gagarin Cup, and for players like former NHLer Oleg Petrov, this is probably the last shot at the KHL's top prize.  The team got three extra days rest by winning their Conference Final in six games, and they probably needed to use it.  Atlant does have younger regulars on their roster, but they generally only play a few shifts per game, if that. 

The low event style of game for Atlant probably suits them well, but I don't know how they can manage to keep up against Ufa's speed, skill, and depth.  There is no advantage to be seen in goal, with Erik Ersberg and Konstantin Barulin posting almost identical numbers, and even in terms of recent playoff experience Ufa has them beat.  Luckily for Atlant, Ufa isn't that far away from the Moscow region, so travel shouldn't play a major role. 

I'm predicting that Ufa, winners of the last Superleague title back in 2008, will become the second team to win the Gagarin Cup, and will prevail in five games.  They have a seriously well built team that would honestly compete in the NHL.  They represent the potential of the league, while Atlant represents closer to the reality, as a team full of players who played themselves out of the NHL. 

• Atlant @ Ufa, Friday Apr 8 (3:00 PM CET/10:00 PM EST)
• Atlant @ Ufa, Sunday Apr 10 (1:00 PM CET/8:00 AM EST)
• Ufa @ Atlant, Tuesday Apr 12 (5:30 PM CET/12:30 PM EST)
• Ufa @ Atlant, Thursday Apr 14 (5:30 PM CET/12:30 PM EST)

Games 5-7 are as yet unscheduled, but every second day is the KHL standard, so expect Game 5 to be on Saturday, like an early start. 

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