Travel
JetBlue confirms domestic first-class cabin plans
The rumors are true: JetBlue is moving forward with plans to add a domestic-style first-class cabin to its planes.
The New York-based carrier plans to debut a domestic first-class passengers by 2026, a spokesperson for the airline told TPG Wednesday.
CEO Joanna Geraghty first confirmed the plans in an interview with the Wall Street Journal Wednesday, citing plans for traditional domestic first class-style recliners.
Upgrades clearing less? Airlines say more passengers are just paying for those first-class seats
The seats, JetBlue told TPG, will be arranged in a two-by-two configuration in the first two or three rows (depending on the aircraft type) of planes that don’t currently offer a Mint cabin.
That word comes just about a month after JetBlue president Marty St. George acknowledged the carrier was considering a new premium domestic cabin, speaking at an industry conference, TPG reported on Nov. 20.
“It’s certainly something we’ve thought about,” St. George said at the Skift Aviation Forum in Dallas.
Now, the airline is confirming its plans to move forward with the new high-end seats which, it says, will priced at “affordable fare[s].”
Big changes underway at JetBlue
It’s been a busy week for JetBlue. On Monday, TPG reported the carrier had slashed a handful of routes, continuing with what’s been a yearlong network shakeup amid its push to return the carrier to profitability for the first time since the coronavirus pandemic.
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Then, on Tuesday, the airline announced it would expand its footprint in Europe in 2026, launching new seasonal service from Boston Logan International Airport (BOS) to Edinburgh and Madrid — the latter of which will be an all-new European destination for the carrier.
When to go: These are the best times to buy an international flight
All this comes as JetBlue is hoping to up its premium game. In September, the airline announced it would debut its first-ever airport lounges at New York’s John F. Kennedy International Airport (JFK), and in Boston, beginning in late 2025.
A premium push
The airline has budgeted $400 million for premium product initiatives between 2025 and 2027 in hopes of winning over big-spending leisure travelers.
As part of that push, Wall Street analysts and industry insiders have speculated, for months, about whether JetBlue might choose to add a domestic-style first-class cabin to its planes.
Across the U.S. airline industry, carriers have moved quickly, in recent months, to boost their premium seating options as travelers have flocked to pay extra for more space. Most recently, Frontier Airlines last week revealed plans to begin adding first-class-style seats to its jets in 2025. Southwest Airlines previously announced its own extra-legroom seats.
Of course, JetBlue already offers a bona fide international business-class product with its newest-generation, lie-flat Mint pods.
However, a new domestic-style first-class cabin will certainly fill a gap in its product offerings; JetBlue’s planes that aren’t equipped with Mint don’t have a true premium cabin like its largest domestic competitors.
Value check: Are airline credit cards worth it anymore?
More details to come
That will soon change for all of the aircraft in JetBlue’s fleet that don’t currently offer Mint.
Its Airbus A320 family planes will feature three rows of domestic first seating, JetBlue said — for a total of 12 first-class seats. Its A220 aircraft will feature two rows of first class, for a total of eight seats.
JetBlue plans to reveal more details about its first-class product closer to launch, the airline said Wednesday.
Still, just this confirmation that the airline is continuing to up its premium game is an enticing prospect for passengers who frequent JetBlue – or who are considering turning their attention to its TrueBlue loyalty program in the coming year.
Related reading:
Travel
Qantas Frequent Flyer announces sweeping changes to loyalty program — here’s what to book now and what to book later
Australian airline Qantas has announced a mixed bag of changes to its loyalty program. Some award rates and carrier-imposed surcharges will increase later this year, but the airline will also add additional award availability and new partner award tickets. Thankfully, these Qantas Frequent Flyer changes won’t take effect until Aug. 5.
Given the news, there are some redemptions you should book now and others that you should wait to book until later this year. Here’s what you need to know about the changes so you can plan accordingly.
Higher prices and surcharges for Classic Flight Rewards
For bookings made from Aug. 5 on, Qantas will increase the cost of its cheapest saver-level redemptions (called Classic Flight Rewards) and saver-level upgrades for Qantas-operated flights by 5% to 20%, depending on the route.
On the shortest domestic routes like Brisbane Airport (BNE) to Sydney Airport (SYD), rates for Classic Flight Rewards will increase from 8,000 points each way to 9,200 points, with the fees, taxes and surcharges of 55 Australian dollars (about $34.50) remaining the same.
The price increase will be more substantial on long-haul services, such as Qantas flights from Sydney to Europe. Bookings made from Aug. 5 on will rise from 144,600 to 166,300 Qantas points each way, and fees, taxes and surcharges will increase from AU$473 to AU$648 (about $297 to $406).
Classic Flight Rewards are often hard to find, especially on long-haul routes in premium cabins. This has been especially apparent since the airline launched dynamically priced Classic Plus Flight Rewards in 2024. These award tickets are tied to the cash price of a flight and are much more expensive.
Verdict: Book now.
Higher redemption rates for partner airlines
Qantas is a member of the Oneworld alliance, meaning you can redeem Qantas points on partner airlines like American Airlines, British Airways and Alaska Airlines. The airline also partners with carriers outside the Oneworld alliance, such as Air France, KLM and Emirates.
For bookings made from Aug. 5 on, Emirates flights will be priced according to the Qantas award chart (rather than the partner award chart). Because of this, award rates and surcharges will increase for Emirates-operated flights, as with Qantas-operated flights.
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Qantas has not yet revealed the price increases of other partner airlines, though it says it will do so in May (for bookings made from Aug. 5 on). Currently, you can book domestic flights within the U.S. on routes like New York’s John F. Kennedy International Airport (JFK) to Charlotte Douglas International Airport (CLT) from just 8,000 Qantas points, a great deal given that other Oneworld carriers have devalued short-haul domestic flights.
If you want to redeem Qantas points on partner airlines, you should do so before the prices rise in August.
Verdict: Book now.
Related: A step up from your average economy: Flying Emirates’ A380 from Dubai to Johannesburg
New premium economy award options
For the first time, starting in October, you can redeem Qantas points for premium economy seats on flights operated by Finnair, Air France, KLM and Iberia. Due to this change, the program promises that 200,000 new premium economy award seats will be added.
If you don’t have enough Qantas points to book business-class award seats on these airlines, you may wish to wait until August to book premium economy seats.
Verdict: Book later.
Related: Is Iberia premium economy worth it on the Airbus A330 from Madrid to Dallas?
New Classic Flight Rewards seats on Hawaiian Airlines
In advance of Hawaiian Airlines’ entry into the Oneworld alliance, you will be able to redeem Qantas points for flights on the airline starting in October.
Qantas promises 800,000 Hawaiian Airlines award seats will be available to Qantas Frequent Flyer members.
Verdict: Book later.
Related: A new era for Hawaiian Airlines as it launches Dreamliner service: TPG was on the inaugural
Lower award prices for Jetstar flights
Jetstar is Qantas’ wholly owned low-cost subsidiary, comparable to Europe’s EasyJet in terms of passenger experience, pricing, rules and restrictions. Jetstar is not a Oneworld alliance member, so partner points or miles cannot be used to book Jetstar flights (nor can you use non-Qantas Oneworld status).
You can already redeem Qantas points for Jetstar flights. However, from Aug. 1 on, the cost of Classic Flight Rewards seats on Jetstar for popular Australian routes like Melbourne Airport (MEL) to SYD will drop to just 5,700 Qantas points.
If you want to get from point A to point B and aren’t fussed about traveling on a full-service airline or using your Oneworld status benefits, this will be an inexpensive way to fly domestically within Australia.
Verdict: Book later.
Changes to earning points
In addition to the above pricing changes, Qantas will increase the number of points members earn on domestic cash tickets by up to 25%. The airline will also award additional points on select international tickets.
Earning Qantas points via credit cards
While there are no Qantas-branded credit cards available in the U.S., you can transfer rewards from three programs with transferable currencies directly to Qantas Frequent Flyer:
Each has a transfer ratio of 1:1, so 10,000 credit card points equal 10,000 Qantas points.
Additionally, you can transfer Marriott Bonvoy points to Qantas Frequent Flyer at a 3:1 ratio, meaning 3 Marriott Bonvoy points become 1 Qantas point. Marriott will also add 5,000 bonus points when you transfer 60,000 Bonvoy points to an airline.
Bottom line
Devaluations are an unfortunate reality of collecting points and miles. We recommend earning transferable points for precisely this reason; if one transfer partner devalues, you can always book with another.
These changes announced by Qantas represent higher prices and surcharges for both flights operated by Qantas and its partner airlines within and outside the Oneworld alliance.
However, there are some upsides. Qantas is giving members six months’ notice before any price increases. And, for the first time, members will be able to book Hawaiian Airlines and premium economy award tickets on several partner airlines.
For flights that will increase in price, you should consider booking as soon as possible.
Travel
United’s wildest route yet is officially on sale
If you’ve been excited about the possibility of flying a United Airlines Boeing 737 to Mongolia, you’re in luck. The airline has just officially started selling flights to Ulaanbaatar.
The Chicago-based carrier just filed the details of this creative new route, as first seen in Cirium schedules.
CIRIUM
United’s new 1,900-mile route from Narita International Airport (NRT) to Chinggis Khaan International Airport (UBN) will commence on May 1 with three times weekly service in each direction. (The westbound service will operate on Sunday, Tuesday and Thursday, while the eastbound flight will operate on Monday, Wednesday and Friday.)
Pro tips: The biggest mistakes people make with travel rewards credit cards
Flights from Tokyo will depart at 4:30 p.m. and land in Ulaanbaatar at 8:55 p.m. The return service will leave at 9:55 a.m. and land in Toyko at 3:45 p.m.
United plans seasonal service in this new market with flights scheduled to end on Oct. 12, 2025.
These flights are timed to connect with United’s primary transpacific departure and arrival banks from Narita. United operates long-haul flights from Narita to Denver, Houston, Los Angeles, Newark and San Francisco.
United will deploy a Guam-based Boeing 737-800 on this route, featuring 16 business-class recliners, 48 Economy Plus extra-legroom seats and 102 standard economy seats.
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Seeing a United Boeing 737 in Mongolia might be puzzling for some, but it’s being operated as part of historical fifth-freedom rights that United has in Tokyo for flights that originate in the U.S. and continue onwards to other countries.
In recent years, United hasn’t really taken advantage of these rights, instead focusing on boosting its hub in Guam. That said, Guam hasn’t been as busy or lucrative as it has in the past, so United seems to be experimenting with new uses for the jets it stations in Micronesia.
Flight review: Is United Airlines premium economy worth it to Europe?
In fact, United has been busy in recent months turning its presence at NRT into a de facto gateway hub within the larger region. The airline recently commenced new flights from Tokyo to Cebu in the Philippines, and now it’s adding three more short-haul regional routes from the airport (Kaohsiung, Taiwan; Koror, Palau; and Ulaanbaatar, Mongolia).
United says that its joint venture partnership with Japanese airline All Nippon Airways will help these routes take off. (For instance, ANA doesn’t currently fly from Narita to Ulaanbaatar.) The new flights will also be supported by travelers looking for one-stop connections from the U.S.
“We are thinking about Tokyo differently than how it’s been thought of in the past. I think Tokyo is a real asset to us. … And when we went through the data, a lot of this traffic was connecting over Beijing, but is not doing so anymore. And so this is a way to connect it over Tokyo,” United’s network chief Patrick Quayle told TPG back when the routes were announced in October.
If you’re looking to book the new route, one-way fares start at $326 in economy and $753 in business class. Introductory mileage rates are quite steep, with one-way economy flights starting at 30,000 miles and business-class flights starting at a whopping 75,000 miles.
There was no saver award availability on the new routes as of time of publication.
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Travel
JetBlue Mosaic elite status: What it is and how to earn it
Having elite status with an airline you frequent — such as JetBlue — can make your travels more comfortable, efficient and seamless.
However, since earning elite status often requires a significant commitment of travel time and money, it’s important to weigh the benefits and drawbacks of a frequent flyer program before funneling your business to that airline. For some individuals who are airline free agents, it may not make sense to pursue elite status at all.
This guide will evaluate JetBlue Mosaic status and explain how the status tiers work, how to earn them and whether striving for this status is worth the effort for JetBlue flyers.
Related: Complete guide to airline status matches and challenges
What is JetBlue Mosaic status?
JetBlue rewards the most frequent flyers in its TrueBlue loyalty program with Mosaic status and the TrueBlue points they earn while flying the airline.
Unlike the legacy U.S. carriers, which offer complimentary upgrades on domestic flights to their most loyal members, many of JetBlue’s aircraft are not equipped with its luxurious, well-regarded Mint business-class cabin. Instead, JetBlue elite members benefit from earning bonus points, selecting Even More Space seats and getting free checked bags, among other benefits.
Your JetBlue Mosaic status begins when you meet the criteria and is valid for the rest of that calendar year and the entirety of the following year. So, if you reach the status requirements in June 2025, you will hold the status through Dec. 31, 2026, giving you a year and a half to benefit from the perks.
Related: A business-class boost: Reviewing JetBlue’s Mint Suite
JetBlue Mosaic status tiers
TrueBlue is free to join, and all members start at the “basic” level. While the program initially offered a single status tier, this changed in 2023 when JetBlue overhauled TrueBlue and Mosaic.
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The four published tiers of JetBlue elite status are:
- Mosaic 1
- Mosaic 2
- Mosaic 3
- Mosaic 4
The differences among the tiers are based on the amount you fly and spend with JetBlue. As you fly more with JetBlue and/or utilize a cobranded credit card (among other activities), you can move up in the program.
Mosaic 1 is very similar to the former stand-alone Mosaic status. With each higher tier reached, more valuable perks become available.
How to qualify for JetBlue Mosaic status
JetBlue uses a metric known as Tiles for Mosaic status qualification purposes. Tiles can be earned in one of two ways: through qualifying spending on JetBlue flights and vacations, or with JetBlue credit cards.
You earn one Tile for every:
This means you can reach JetBlue Mosaic status entirely through credit card spending, spending with JetBlue or with some combination of the two.
Here’s what you’ll need to qualify for each Mosaic tier:
Status tier | Tiles needed | Status earned exclusively by JetBlue travel spending |
Status earned exclusively by JetBlue credit card spending |
---|---|---|---|
Mosaic 1 | 50 | $5,000 | $50,000 |
Mosaic 2 | 100 | $10,000 | $100,000 |
Mosaic 3 | 150 | $15,000 | $150,000 |
Mosaic 4 | 250 | $25,000 | $250,000 |
As you can see, earning status solely through credit card spending isn’t feasible for most travelers. It’s often easiest to use a combination of the two methods — for example:
- $3,000 in JetBlue flights (30 Tiles) plus $20,000 in card spending (20 tiles) gets you Mosaic 1 status.
- $5,000 in JetBlue flights (50 Tiles), $3,000 in Paisly purchases (30 Tiles) and $20,000 in card spending (20 Tiles) gets you Mosaic 2 status.
JetBlue Mosaic status benefits
Basic members earn 3 TrueBlue points per dollar spent on JetBlue flights (except Blue Basic fares, which earn 1 point per dollar), plus an additional 3 points per dollar when they book on JetBlue’s website (1 point per dollar for Blue Basic).
While working their way to Mosaic 1, basic members enjoy “Perks You Pick” — a selection of benefits you can choose from when you earn 10, 20, 30 and then 40 Tiles. These options include:
- Early boarding with Group B (except on Blue Basic fares)
- Priority security (where available)
- Free inflight alcoholic drink (one drink per flight)
- Double bonus points on a JetBlue Vacations package (one-time use only)
- 5,000 TrueBlue bonus points
Note that these are one-time selections, so you can’t (for example) pick 5,000 points at all four thresholds.
Then, once you hit 50 Tiles, you’ve officially earned JetBlue Mosaic status.
Mosaic 1 status
This is the lowest elite tier in JetBlue’s program, where you will receive:
- 3 bonus points per dollar spent on JetBlue flights
- Priority security and boarding
- First two checked bags free
- Complimentary beer, wine, and liquor (up to three drinks per Mosaic member per flight)
- Even More Space seats at check-in at no extra cost
- Same-day switches with no fee or fare difference
- Preferred core seating (excludes Blue Basic starting March 1)
- Dedicated check-in lines and phone support
- Heathrow Express upgrades (pending availability)
- Avis Preferred Plus status match
Mosaic 2 status
You’ll receive all of the same perks as Mosaic 1, as well as:
- Select Even More Space seats at booking at no extra cost
- Status match to Avis President’s Club
Mosaic 3 status
When you elevate your JetBlue elite status further, you unlock these benefits:
Mosaic 4 status
At TrueBlue’s top tier, you will receive everything mentioned above, as well as:
- Two additional Move to Mint certificates (pending availability), plus two more certificates for every additional 100 Tiles earned after reaching Mosaic 4 (starting in January)
- Gift Mosaic 1 status to a TrueBlue member of your choice (these members don’t receive a Perks You Pick selection)
- Dedicated Mosaic 4 phone support
However, the benefits continue beyond there. Once you reach Mosaic 1, and each time you level up through JetBlue elite status, you can choose an additional perk from the Perks You Pick menu, which includes:
- Complimentary FoundersCard Blue membership
- Pet-fee waiver
- $99 one-time statement credit for JetBlue Plus or Business cards
- 20-Tile bonus for yourself or a giftee
- 15,000 TrueBlue bonus points
- Mint Suite priority access to select the best seats (pending availability)
- IHG One Rewards Platinum Elite status
Can a credit card help earn JetBlue status?
JetBlue has three credit cards, all issued by Barclays:
Card | Best for | Sign-up bonus | Earning rate | Annual fee |
---|---|---|---|---|
JetBlue Plus Card | Frequent JetBlue flyers | Earn 50,000 bonus points after spending $1,000 on purchases and paying the annual fee in full, both within the first 90 days |
|
$99 |
JetBlue Card | Casual JetBlue flyers | Earn 10,000 bonus points after spending $1,000 on qualifying purchases within the first 90 days |
|
$0 |
JetBlue Business Card | Small-business owners | Earn up to 60,000 bonus points: 50,000 points after spending $4,000 on qualifying purchases in the first 90 days and 10,000 points when a purchase is made on an employee card in the first 90 days |
|
$99 |
The information for the JetBlue Plus Card, JetBlue Card and JetBlue Business Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
You’ll earn 1 Tile toward Mosaic status with every $1,000 spent on any JetBlue credit card, with no limit. This means you can, in theory, earn JetBlue elite status without ever stepping on a plane.
But this would require a lot of spending, and don’t forget the opportunity cost. You may get more value by putting your expenses on a card that earns transferable points on dining, travel or other popular categories. Due to their expansive lists of transfer partners, these transferable currencies are generally more valuable than JetBlue points. Plus, you can transfer Chase Ultimate Rewards points and Citi ThankYou Rewards points to JetBlue at a 1:1 ratio. American Express Membership Rewards points transfer to JetBlue at a 1:0.8 ratio.
Is JetBlue Mosaic status worth it?
If you earn Mosaic status anytime in 2025, your status lasts until Dec. 31, 2026. The earlier you achieve status, the longer you can enjoy it.
However, the Mosaic perks outlined above will only be helpful if you fly JetBlue regularly while your status is valid. There’s little benefit in focusing time and money on earning Mosaic elite status if you can’t enjoy the benefits.
If you value time-saving perks like priority boarding and security plus the money-saving benefits of free seat selection, checked bags and upgrade certificates, Mosaic elite status could be very valuable. However, the top perks require a lot of spending to earn, so be sure it’s worth that investment.
Another thing to consider is whether or not JetBlue’s route network matches your flying preferences. Mosaic elite status could be beneficial if your home airport is a JetBlue hub, such as Fort Lauderdale, Boston or New York. It may be less beneficial if your plans involve mostly international travel, since JetBlue has a limited international network (primarily in the Caribbean, Latin America and Europe).
A third factor determining if JetBlue Mosaic’s status is worth it is how much you value TrueBlue points. JetBlue prices award tickets based on the cost of a paid ticket, and TPG’s January 2025 valuations peg TrueBlue points at 1.3 cents apiece. However, this redemption value is generally lower when you redeem points for JetBlue Mint tickets. Since you’ll be collecting TrueBlue points on your pathway to earning status, ensure they unlock the rewards you want.
Finally, consider the perks that are important to you. You may be able to get these by simply adding a JetBlue credit card to your wallet, rather than going out of your way to earn Mosaic status. For example, the JetBlue Plus Card includes a free checked bag for you and three companions, 5,000 points on your cardmember anniversary, 50% off eligible inflight purchases, and 10% of your TrueBlue points back as a rebate when you book JetBlue-operated award flights. This may be plenty for a casual JetBlue flyer.
Bottom line
Earning elite status on any airline is a marathon, not a sprint, requiring loyalty throughout the year. However, JetBlue provides some flexibility in that you can reach Mosaic status through a combination of flying and credit card spending.
With perks such as complimentary Even More Space seat selection, Mint upgrades and priority service, the rewards for your loyalty to JetBlue can be very worthwhile. This is especially true for those who live in cities with a significant JetBlue presence, especially with Mint service (JetBlue’s award-winning business class).
Travel
First time in Innsbruck? Discover the city with a private guided tour
The first thing that struck us as we disembarked our flight at Innsbruck Airport — other than the fresh, bracing air—was the breathtaking mountain scenery encircling us. Towering, snow-dusted peaks are all around, glowing in the morning sunlight – a natural amphitheatre promising several days of history, fun and adventure.
The second thing that stood out was the remarkable ease of travelling from the airport to the heart of Innsbruck. Few international airports in Europe allow you to be dining in a restaurant in the city centre within an hour of landing, but in Innsbruck it’s possible to achieve this effortlessly. Once through passport control and the baggage claim area, the F bus immediately outside the airport doors swiftly connects you to Innsbruck Hauptbahnhof (the main train station from which you can easily explore the Old Town on foot) in just 15–20 minutes.
And so, we did just that, stopping at Weisses Rössl for a wonderful Tyrolean lunch. But for first-time visitors to the city, I’d strongly recommend taking a private guided tour. It’s a great way to immerse yourself in Innsbruck’s rich history, culture and hidden gems that might otherwise go unnoticed. Our certified Austria guide, Monika, greeted us with a warm smile and the promise of unique insights — stories and details that only someone with centuries of family roots in the city could share.
We set off to explore the city’s layers of history, noting that the streets are dotted with intricately wrought-iron signs. These ornate markers, each a miniature work of art, once served as advertisements for the city’s merchants. From gilded boots to gleaming scales, these signs were not merely decorative but also practical, helping visitors and locals to navigate Innsbruck’s winding streets before literacy was widespread.
We are led to the nearest bridge where we pause to take in a view that perfectly encapsulates Innsbruck: the River Inn, flanked by the pastel façades of Mariahilfstrasse. Each building was painted a different colour—a tradition that began as a way to identify homes and shops but has also become a symbol of the city’s vibrant personality.
Here, Monika drew our attention to the river’s formidable presence. In Spring, the snowmelt floods its banks, often threatening to breach the bridges that connect the city. It’s a reminder of how closely life here is intertwined with nature and the surrounding landscape.
The marketplace near the bridge is alive with energy each morning – it’s a thriving hub of farmers and vendors selling everything from ripe produce to Alpine cheeses, something which the locals take an immense pride in.
Innsbruck’s history unfolded as we entered the Old Town. Monika led us to the Golden Roof, the world-famous symbol of the city with its 2,657 fire-gilded tiles. Built by Emperor Maximilian I, the roof was a symbol of his power and influence when Innsbruck was the capital of Europe.
Maximilian’s legacy looms large here and there’s a plaque that lists notable visitors to the city, including the likes of Napoleon Bonaparte and Empress Maria Theresa,he mother of Marie Antoinette.
Through strategic marriages, Maximilian expanded his empire across the continent, earning the title of Europe’s last knight. But even an emperor’s resources are finite. When his ambitious projects drained his treasury, he left Innsbruck for Vienna, where he died. He’s not buried in the city he so adored, but statues of significant historical figures, particularly from the Habsburg dynasty – which had been built to surround the tomb of Emperor Maximilian I – remain in the Hofkirche.
These statues are a marvel of Renaissance craftsmanship, each figure etched with exquisite detail. Monika pointed out one particularly fascinating statue, which cleverly depicts the artist’s self-portrait in the elbow. Preserved in Innsbruck, these statues survived the bombing of Vienna during World War II, and a poignant reminder of the city’s role as a guardian of history.
Nearby, Dom St. Jakob’s painted ceiling is an exquisite work of art. What appears to be a grand dome is, in fact, a flat ceiling – a masterpiece of illusion, painted to create depth where none exists.
Innsbruck’s spirit of resilience came alive again as Monika recounted the fire that once ravaged the city. From its ashes rose the domed walkways that now characterise the Old Town, offering shelter from weather and a demonstration of the city’s ability to adapt and endure. This theme of survival is mirrored in its people – as Monika noted, those born in Innsbruck often stay or, if they leave, feel an irresistible pull to return. There’s something magnetic about life here, a harmony that blends tradition with progress.
That progress is evident in the youthful energy coursing through the city, thanks to its thriving university, whilst Innsbruck’s proximity to Italy and Germany adds to its vibrancy; introducing new cultures and cuisines. Yet Innsbruck itself feels complete, its charm rooted in its people and its connection to the land.
Our tour ends at Adlers Hotel, a modern counterpoint to the city’s historic heart. It has been a fascinating insight into Innsbruck and a wonderful way to begin our trip. As we say farewell, we now understand what Monika means about the pull of the place. – we’ve only been there a few hours but are already longing for more.
Disclosure: Our trip was sponsored by Innsbruck Tourism.
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Travel
Wildfire-ravaged Los Angeles wants visitors to help the area recover and rebuild
As Los Angeles slowly begins to assess the damage caused by recent wildfires, it’s clear that rebuilding will take years and cost an astronomical sum of money. Some reports estimate a cost as high as $40 billion. Not to mention the threat of more fires remains strong as the Santa Ana winds and dry conditions persist. The possibility of rain showers this weekend offers hope that the worst of the fires could be over — though the rain could bring new challenges to the area.
In response to the devastation and lingering conditions, LA Mayor Karen Bass signed an executive order on Jan. 21 ordering expedited cleanup in burn areas and mitigation of fire-related pollutants in local stormwater systems, beaches and ocean water. The order also directs the city’s department of public works crews to clear and remove vegetation, shore up hillsides with reinforced concrete barriers, lay down sandbags and clear debris from affected neighborhoods ahead of rainfall.
“With rain in the forecast, it’s imperative we take aggressive action to prevent additional damage in burn areas and to protect our water and ocean from hazardous runoff,” Bass said in a press release. “These communities have already endured unimaginable loss — we are taking action against further harm.”
The Eaton and Palisades fires have killed at least 28 people and destroyed more than 14,000 structures in Altadena and Pacific Palisades. According to the Associated Press, the Palisades fire had reached 61% containment and the Eaton fire had reached 87% as of Tuesday.
As city and county leaders begin the recovery process, tourism and hospitality officials have announced that the City of Angels wants and needs the support of visitors.
“Los Angeles has always been a beacon to the world — a place where dreams are born and stories unfold from the silver screen to iconic landmarks,” Visit California president and CEO Caroline Beteta said in a press release sent to TPG. “One of the best ways to support the comeback of Los Angeles is to plan a trip.”
Much like Maui after it suffered its own horrific wildfires, Los Angeles is hoping tourism can help kickstart its economic recovery from the calamitous event. The fires not only destroyed homes and entire neighborhoods, but local businesses as well.
“The city, along with its iconic sites and experiences — the Hollywood Sign, Universal Studios Hollywood, the Santa Monica Pier, Getty and Getty Villa, Griffith Observatory and many more — remain intact and accessible to visitors from around the world,” Beteta said. Of course, some wonder if the time is right to visit the city so soon after the destruction.
Is now the right time to visit Los Angeles?
This is a tricky question. Just as Maui struggled with balancing its all-important tourism industry and locals’ rebuilding needs, LA has to manage a similarly delicate situation.
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Obviously, the areas most affected by the fires, like Pacific Palisades, should be off-limits to visitors. Many residents are still unable to return home to survey damage; the last thing they or first responders need is intrusive tourists trying to get a close-up look. The air quality remains poor in some parts of LA, so that’s also something to consider before booking a trip.
However, many shops and restaurants have reopened in popular areas such as Beverly Hills, Santa Monica and West Hollywood. To highlight the urgency of keeping tourism alive and aiding recovery efforts, city hotel and tourism officials put out a call to action on Jan. 21 urging visitors to not cancel their travel plans.
According to their statement in a press release sent to TPG, more than 540,000 people work in the LA tourism industry in some capacity, and a significant number of those employees were likely affected in some way by the wildfires. The influx of visitors and the money they spend helps them get back on their feet.
To give you an idea of just how important tourism is to the city’s bottom line, nearly 50 million people visited Los Angeles in 2023, contributing more than $40 billion in sales to the local economy along the way. Additionally, visitors in 2023 contributed $312 million in Transient Occupancy Tax revenue from their hotel stays.
What’s open in Los Angeles?
As we mentioned earlier, many of the city’s most popular attractions have already reopened. Warner Bros. and Paramount Pictures have both resumed studio tours on their Hollywood lots. Major theme parks like Disneyland, Universal Studios Hollywood and Knott’s Berry Farm have all resumed operations, as have the world-renowned Griffith Observatory and Griffith Park (in view of the iconic Hollywood sign).
Most museums — including the Natural History Museum in Exposition Park, the La Brea Tar Pits, the Los Angeles Museum of Contemporary Art and the Academy Museum of Motion Pictures — are also operational again.
Speaking of the Oscars, the film adaptation of “Wicked” just scored 10 Academy Award nominations. If you are in LA and want to see the touring production of the stage musical, it has resumed performances at the Pantages Theatre and is playing through Feb. 2.
There are still a number of attractions that have not reopened, though. The Getty Museum in Los Angeles remains closed through Jan. 27. Meanwhile, the Getty Villa — which, despite being located in Pacific Palisades, escaped major damage from the wildfires — is closed until further notice. The popular Runyon Canyon and Will Rogers State Historic parks are also closed.
How you can help Los Angeles recover
One of the easiest ways to contribute to recovery efforts as a visitor is to give the local economy a little help. Dine LA Restaurant Week is going on from Jan. 24 through Feb. 7; you can find a list of participating restaurants and make reservations here. Each reservation at one of these restaurants will benefit wildfire relief efforts coordinated by the American Red Cross.
Another easy way to contribute is to attend one of several fundraising events occurring in the city over the next few weeks. Discover Los Angeles has an extensive list of upcoming relief efforts on their website.
Something else that’s desperately needed? Volunteers. Some LA-based organizations that need help include:
- Habitat for Humanity LA: It needs contributions and volunteers to help wildfire survivors rebuild.
- LA Food Bank: It needs many people to help the local food bank feed some of the thousands of people affected by the fires.
- LA Animal Services: It needs foster pet parents to help with the number of dogs and cats who have ended up in local shelters since the start of the fires.
More volunteer resources are available on the city’s official website.
We’ll keep this story updated as we get more information.
Travel
First look at Universal Orlando’s new Stella Nova Resort near Epic Universe
It’s no secret that 2025 is going to be an “epic” year for Universal Orlando Resort. The resort’s third park, Universal Epic Universe, is scheduled to open on May 22. But you don’t have to wait until then to explore some of the park’s other exciting new developments.
In addition to Epic Universe, Universal is opening three new hotels and adding 2,000 guest rooms to its portfolio this year. The first of these, Universal Stella Nova Resort, opened on Jan. 21, 2025, and TPG was among the first to stay at this galactically cool property.
The hotel’s design is inspired by the vast and beautiful wonders of outer space, which you can see reflected throughout the property starting with the exterior. The facade of the hotel is covered by more than 140,000 colorful dichroic tiles that change color based on the lighting and time of day. When I arrived around midday, they were shimmering in an entire rainbow of hues, but in the evening they take on darker blues and purples.
Upon entering the lobby, you’ll see space-themed artwork inspired by NASA photographs. The cosmic aura continues through to the nebulalike purple, blue and white color scheme and the spaceport windows in the guest rooms.
Here’s a first look at Universal Stella Nova Resort, including cost, amenities, dining and theme park perks.
What does it cost to stay at Stella Nova Resort?
Stella Nova Resort is part of Universal’s Prime Value lodging category (Universal Aventura Hotel and the soon-to-open Universal Terra Luna Resort also belong to this collection).
Prices start at $147 per night (plus tax), but this price is only available for stays of four nights or longer. On average, we found pricing to be closer to $200 to $230 per night for a one-night stay. Every room at Stella Nova is a standard two-queen room, so the only price difference you will find is if you choose a pool-view room over a standard view. You’ll pay between $10 and $20 more for a pool view.
The parking cost for overnight guests is $30 plus tax per vehicle per night.
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Stella Nova Resort is bookable via the Capital One Travel portal. Eligible Capital One cardholders can book this resort via Capital One Travel and pay in cash with their Capital One card or redeem Capital One miles. When you pay using your card, you can earn up to 10 miles per dollar spent, depending on the Capital One card you carry.
Among the Capital One cards you should consider using if booking this way are:
Stella Nova Resort location
Stella Nova, along with Universal’s other two upcoming hotels, is located adjacent to Epic Universe. Epic Universe itself is about three miles from the rest of Universal Orlando, but there is a complimentary shuttle service between the new park (and its hotels) and the rest of Universal Orlando Resort. From Stella Nova, it is about a 12-minute bus ride to Universal Orlando’s main security area that leads to Universal Studios, Islands of Adventure and CityWalk (bus transfer is available to Volcano Bay water park).
From Orlando International Airport (MCO), it’s about a 20-minute drive to Stella Nova Resort. Universal does offer a paid shuttle service called the SuperstarStar Shuttle, but ride-hailing services and rental cars are also readily available.
Inside Stella Nova Resort guest rooms
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TARAH CHIEFFI/THE POINTS GUY
All 750 rooms at Stella Nova Resort are double queen rooms that sleep up to four guests, so the layouts are similar in every guest room, though you can choose from standard-view and pool-view categories. ADA-compliant rooms are available. A standard-view room looks over the back of Epic Universe. You can see portions of the park peeking out, which builds the excitement for your vacation.
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Universal Stella Nova Resort. TARAH CHIEFFI/THE POINTS GUY
Inside the rooms, the color scheme is similar to that of the hotel’s public areas, with space-inspired art. A few fun details, like a galactic mural behind the beds, Creamsicle-colored accent pillows and sleek, curved furnishings add to the futuristic feel.
The beds are soft and comfortable, with a thin coverlet that isn’t necessarily a bad thing when you consider the typical outside temperatures in Orlando. I also appreciated that there was a QR code on the TV that I could scan to use my phone as a remote control (there is a standard remote, as well).
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Universal Stella Nova Resort. TARAH CHIEFFI/THE POINTS GUY
Similar to many other Universal Orlando hotels, the bathroom is split-style, with a sink and vanity in the center and a door that separates it from the toilet and tub. This not only allows for privacy but also makes it easier for multiple guests to get ready simultaneously.
The specialty Cosmic Ember bath products had a fresh scent, and I loved the continuity of the branding even for the shampoo, conditioner and soap.
Guest rooms are also equipped with standard amenities like a coffee and tea maker, mini refrigerator, hair dryer and iron. Standard Wi-Fi is complimentary, or you can upgrade to premium Wi-Fi for $9.95 per day.
Stella Nova Resort amenities
Stella Nova offers similar amenities to Universal’s other Prime Value properties. It has a resort-style pool complex with a 10,000-square-foot pool, a hot tub, a kid’s splash pad and lawn games like hula hoops and table tennis. The resort shows poolside movies on select nights (check at the front desk for a weekly schedule).
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Universal Stella Nova Resort. TARAH CHIEFFI/THE POINTS GUY
The hotel also has a 24-hour fitness center, an arcade, laundry facilities, an Avis car rental desk, a ticket desk to assist with theme park planning needs and a gift shop so special (for now, at least) that it is one of the first hotels to feature a large collection of Epic Universe merchandise. I saw shirts, toys and collectibles representing all of the lands coming to the new park and some general Epic Universe-branded merchandise.
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Universal Stella Nova Resort. TARAH CHIEFFI/THE POINTS GUY
Universal Creative turned an unused portion of the third floor with no guest rooms into a “sky bridge” with starry lights in the ceiling, which is already proving to be a popular spot after being open only a couple of days.
If you can’t resist getting that perfect Instagram photo in this trippy space, try to do so quietly so as not to disturb the guests staying on this floor.
Stella Nova Resort dining
Stella Nova Resort has several dining options to keep you fueled up for your theme park adventures.
Cosmos Cafe and Market
Located in the hotel lobby, Cosmos Cafe and Market is a quick-service outlet that serves breakfast, lunch and dinner daily. It also offers a selection of grab-and-go items like ice cream, snacks, prepackaged salads and sandwiches and coffee drinks.
The menu is comprised mostly of American classics like burgers, fries, pizza and pasta, but there are some specialty items as well. I stopped by for lunch during my stay (which was too brief to make time for breakfast).
I tried the hot honey pizza ($15.50), which was topped with cheese, garlic cream sauce, buffalo chicken and, of course, hot honey. It was tasty — and spicy. I had the Mexican street corn ($7) on the side, which was by far my favorite dish and a huge portion for being a side item. My dining companion had the Stella burger ($15.50), which was a delicious classic burger.
All in all, the food was good and filling, but there are so many good dining options inside the park and at CityWalk, I think I would save my Stella Nova meals for when I needed something before heading out for the day or when I was starving after a long day at the parks.
Nova Bar
Nova Bar is also located in the lobby and is open daily from 5 p.m. to 11 p.m. In addition to classic beer, wine and cocktails, you’ll find space-themed drinks like the Black Hole ($16), which is basically an espresso martini, and the Super Nova (also $16), a whiskey-based cocktail with cherry-infused Campari and tart cherry syrup served smoked over a large ice cube.
Galaxy Bar and Galaxy Grill
Galaxy Bar and Galaxy Grill are the hotel’s poolside drink and dining options. Starters include things like chips and salsa, hummus and veggies and a Mexican shrimp cocktail. For your meal, you can choose from a selection of salads, burgers, sandwiches and wraps.
Galaxy Bar has a lengthy beer list with a mix of cans and drafts and a handful of hard ciders and seltzers.
Pizza delivery
Direct-to-room pizza delivery is also available daily between 5 p.m. and midnight. You can place your order via phone or the online order form.
Stella Nova Resort theme park perks
Like all Universal Orlando hotels, guests enjoy certain perks that only onsite hotel guests enjoy. These include early access to select theme parks and attractions each morning. Which park(s) and attractions you get access to can vary by day, but you’ll get a 30-minute head start at Volcano Bay and a full hour at Islands of Adventure or Universal Studios.
Stella Nova guests also get park-to-hotel package delivery, resort-wide charging privileges using their room key and complimentary shuttle service to and from Universal’s theme parks and CityWalk. Even if you drive, I recommend using the shuttle service because Universal does not offer free theme park parking to hotel guests.
Stella Nova (like its sister property, Terra Luna) has a walking path that will lead to Epic Universe when the park opens in May. It’s about a 10-minute walk, but you can also take the shuttle if you choose.
Things I loved about Stella Nova Resort
- I am a sucker for good theming, so I was all-in on the chic spaceship vibes Stella Nova was giving off. Everything from the futuristic lobby seating to the artwork felt upscale and ultramodern. With theme parks leaning more and more toward immersing guests in the worlds they create, it only makes sense that Universal would extend this sentiment to its hotels.
- The excitement for Epic Universe’s grand opening this year is palpable among theme park fans. Stella Nova offers the first and only way for Universal guests to stay so close to this groundbreaking new park and get a glimpse inside even while they are still putting the finishing touches on the attractions. Aside from adding to the anticipation, once the park does open, guests staying at Stella Nova Resort will be only a short walk or bus ride away from Epic Universe.
- Especially while everything in the hotel is shiny and new, you cannot beat this resort’s level of theming and amenities at such an affordable price point. Universal has hotel rooms that range from the $150 range all the way up to as much as $800 per night. Obviously, you get what you pay for, and Stella Nova appears to be a great value for the nightly rate.
Things to consider before staying at Stella Nova Resort
- Though you are a stone’s throw from Epic Universe when you stay at Stella Nova, you are a few miles away from the rest of Universal Orlando Resort. If you prefer the convenience of taking a boat, bus or short walk to Universal Studios, Islands of Adventure and CityWalk, that will not be an option when you stay here.
- Unlike Universal’s Signature Collection properties (like the upcoming Universal Helios Grand Hotel), you won’t find amenities like multiple pools, waterslides, formal sit-down dining, 24-hour room service or luggage delivery. If those are luxuries you are acclimated to, you need to consider whether you can do without them at Stella Nova.
Bottom line
Universal Stella Nova Resort is the first of three new hotels opening near Epic Universe this year and it sets a high bar. Universal Terra Luna Resort opens on March 25, 2025, and should be similar in all but its theming, while Universal Helios Grand Hotel will become Epic Universe’s flagship hotel when it opens along with the new park on May 22, 2025.
The reasons for staying at this particular hotel will be obvious once the park opens, but it offers a rare opportunity to be among the first guests on Epic Universe property for those who choose to stay here now even before May. I can confidently say I was not ready to come back down to Earth after my out-of-this-world visit to Universal Stella Nova Resort.
Related reading:
Travel
New Chase bonus spending offers and a chance to earn a $100 statement credit
Jan. 23, 2025
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3 min read
New Chase bonus spending offers and a chance to earn a $100 statement credit
Chase is back with another targeted promotion: Eligible Chase cardholders can earn 5 or 7 bonus Chase Ultimate Rewards points per dollar spent on groceries, gas and dining purchases made with select credit cards.
This promotion targets more than 25 credit cards. Ultimate Rewards earning potential varies based on credit card but applies to purchases of up to $1,000 made between Jan. 15 and March 31.
Below are some of the credit cards with this targeted promotion:
To participate in this promotion, log into your Chase account to see if you are targeted. Eligible cardholders can earn 5 or 7 bonus points for each dollar spent on grocery, gas and dining purchases (on up to $1,000 in purchases) for transactions from Jan. 15 until March 31 at 11:59 p.m. EST. After activating the offer, select cardholders will receive a $100 travel credit for bookings of at least $400 made by Jan. 31 and for travel by Aug. 31.
Other credit cards — including the Aer Lingus Visa Signature® Card, the Iberia Visa Signature® Card and the Disney® Premier Visa® Card — are eligible for this promotion, so be sure to check your Chase account to see if you’ve been targeted.
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The information for the Aer Lingus Visa Signature and Iberia Visa Signature cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
You can stack this offer with the previously announced offer in December that gives Targeted Chase cardholders the chance to earn 10,000 bonus points through the Chase Travel℠ portal. Note that your hotel stay must total at least $400 in a single transaction, and you must book travel by Jan. 31 for trips completed by Aug. 31.
Featured image by ANDRESR/GETTY IMAGES
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
Travel
Travel warning: Holidaymakers issued urgent guidance as Ireland braces for ‘severe’ weather
The Foreign, Commonwealth and Development Office (FCDO) has issued an urgent travel warning for British citizens planning to visit Ireland as Storm Éowyn approaches.
The warning comes as extreme weather conditions are expected to impact the country over the next two days.
The FCDO stated: “There are severe weather warnings in place for Ireland for January 23 and January 24 January due to Storm Éowyn.”
The warning covers the entirety of today and tomorrow, with Irish weather services providing detailed forecasts of the storm’s impact.
‘There are severe weather warnings in place for Ireland for January 23 and January 24’
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The FCDO advised British travellers to check their travel plans in advance before heading to Ireland during the severe weather period.
They should also monitor Ireland’s weather service for the latest updates on Storm Éowyn. Visitors were also instructed to “follow the advice of local authorities”.
The Irish Meteorological Service has updated its weather warnings, issuing Red warnings for several parts of the Ireland and Northern Ireland. Orange and yellow warnings have also been issued for other parts.
Travellers should keep up-to-date with warnings for their specific destination in Ireland.
A ‘Red’ Wind warning for Carlow, Kilkenny, Wexford, Cork, Kerry, Limerick and Waterford reads: “Gale to storm force southerly winds becoming westerly with extreme, damaging and destructive gusts in excess of 130km/h.”
The warning is valid from 2am – 10am on Friday, January 24.
Potential impacts include:
- Danger to life
- Extremely dangerous travelling conditions
- Unsafe working conditions
- Disruption and cancellations to transport
- Many fallen trees
- Significant and widespread power outages
- Impacts to communications networks
- Cancellation of event
- Structural damage
- Wave overtopping
- Coastal flooding in low-lying and exposed areas
Red warnings issued in Ireland
- Wind warning for Carlow, Kilkenny, Wexford, Cork, Kerry, Limerick, Waterford
- Wind warning for Clare, Galway
- Wind warning for Leitrim, Mayo, Sligo
- Wind warning for Cavan, Monaghan, Dublin, Kildare, Laois, Longford, Louth, Meath, Offaly, Westmeath, Wicklow, Roscommon, Tipperary
- Wind warning for Donegal
Red warnings issued in Northern Ireland
- Wind Warning for Antrim, Armagh, Down, Fermanagh, Tyrone, Derry
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Holidaymakers should be aware of ‘extremely dangerous travelling conditions’
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Each warning details the potential impact of Storm Éowyn and how long the warning is valid.
The Met Office stated: “Red Warnings for wind have been issued for Northern Ireland as well as central and southwestern areas of Scotland on Friday. These are accompanied by wider Amber and Yellow Warnings for wind, as well as Yellow Warnings for rain and snow.”
Before going abroad, it is always advisable to consult the FCDO’s latest guidance for your chosen destination for a safe, well-informed trip.
This will include the latest information on warnings and insurance, entry requirements, any regional risks, safety and security, health and getting help.
Britons were recently issued a travel warning as an Asian tourism hotspot faces “heightened tensions”.
Travel
All-new rooms and a Netflix restaurant are coming to the MGM Grand Las Vegas
Last year, MGM Resorts International and Marriott finalized a deal that saw an impressive collection of Las Vegas megaresorts join the Marriott Bonvoy family. Now, the gaming giant’s namesake property, MGM Grand, is unveiling an extensive renovation set to uplift the resort by $300 million.
Related: Marriott Bonvoy and MGM Resorts boost loyalty partnership benefits for 2025
Scheduled for completion by December, the planned $300 million face-lift will give the main tower’s 4,212 rooms and suites a new life with a modern take on “the flair of the disco era,” according to a statement from MGM Resorts International.
Designed in partnership with architecture firm Gensler and MGM Resorts Design & Development, the updated rooms will have warm gray wall coverings, updated media consoles, updated outlets near beds, modern smart TVs, enhanced blackout drapery, more surface space, new refrigerators that are separate from the minibar, and updated spa-inspired bathrooms with new walk-in showers.
The remodel will also add 111 suites to the hotel’s inventory, bringing the total number of suites up to 753, starting at 675 square feet in size and maxing out at over 2,500. The new and upgraded suites will have strong dark finishes with lighter accents like sheer roller shades to bring in light. Living areas will include new sections and artwork that transforms based on your vantage point. Overall, the suites will be more functional, with layouts that more clearly divide work from entertainment.
The new rooms and suites will be available to book starting March 1.
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New dining and entertainment experiences
Though rooms and suites are the main focus of this project, other areas of the resort are also getting some exciting changes.
Starting Feb. 20, MGM Grand will be home to an experiential full-service restaurant called Netflix Bites, created in partnership with streaming service Netflix. Found on the casino floor, Netflix Bites will be open for breakfast, lunch and dinner and serve a menu inspired by hit Netflix shows like “Stranger Things,” “Bridgerton” and more.
A teaser of the menu includes:
- “Eleven’s Fried Feast” — crispy chicken and waffle sliders perfect for foodies who love a little dimension-hopping, served both “Hawkins” style and “Upside Down”
- “Bridgerton Regency Tea” — a lavish three-tiered tea service with finger sandwiches, scones and pastries straight from the Ton, served with a menu designed by Lady Whistledown herself
- “La Casa del Sangria” — a Spanish-style cocktail with gold-dusted mint leaves, served in a lockbox that’ll have guests solving a puzzle, challenging for even the sharpest of the “Money Heist” crew
- “Too Hot to Handle”-inspired bloody mary — a cocktail so spicy it comes with its own potholder in case guests can’t handle the heat
MGM Grand will also be home to a new day club called Palm Tree Beach Club, set to open in May. Founded by musical artists Kygo and Myles Shear, the day club will open in partnership with Tao Group Hospitality, known for its collection of famous resorts around the world.
Once open, the Rockwell Group-designed club will span 60,000 feet and have a stage, a saltwater pool, bungalows, cabanas, daybeds and chaise lounges in a space designed to fit more than 3,000 people.
Related reading:
Travel
What’s the difference between a co-signer and an authorized user?
One of the easiest ways to help a child or family member build credit history is by adding him or her as an authorized user on one of your credit cards.
This can establish a record for that person with the credit reporting agencies if he or she doesn’t already have one, plus increase important credit score factors like the average age of accounts and overall credit utilization.
But being an authorized user isn’t the same as being a co-signer on a credit card account. Here’s what you need to know about the differences.
The difference between an authorized user and a co-signer
An authorized user is another person who is authorized to make charges to your credit card account. You’ll receive a card in the mail with that person’s name on it, but when that person uses the card, the charges will show up on your account — and you’re also responsible for paying the bill.
A co-signer, on the other hand, is a shared responsibility. Just like co-signing for a student loan, the account would be opened in the name of your child or family member, but you are both equally responsible for any amounts charged to the card.
While the bank will generally only come to you for payment if the primary cardholder doesn’t pay, it legally has the right to demand payment from you without asking the primary cardholder first.
Related: The credit cards with the greatest value for authorized users
Credit card issuers that allow co-signers
While federal law prohibits banks from issuing credit cards to anyone under 21 unless the person has a co-signer or enough income to pay off the card, most banks haven’t chosen to allow co-signers on credit cards. No major card issuers allow co-signers on credit cards anymore.
However, you may be able to apply for a credit card with a co-signer at your local bank or credit union.
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Related: The benefits of adding a relative as an authorized user
Issues to consider before becoming a co-signer
In some ways, being a co-signer is a natural next step to help a child or family member build credit by opening an account that person is responsible for, rather than simply riding along on your account.
On the other hand, it’s a bigger risk on your part — while it’s fairly easy to place limits on an authorized user card or revoke access entirely, it’s much harder to place restrictions on an account that partially belongs to someone else.
Being a co-signer is also a long-term commitment: By default, you’ll be responsible for the card and have it show up on your credit report for as long as the account is open.
While some banks will remove a co-signer after certain conditions have been met (for example, once the primary account holder has established a good payment history and has sufficient income to support the card), your ability to remove yourself from the account without shutting it down depends on the bank’s policies and discretion.
Co-signing for a card can also interfere with your own credit card applications when banks have restrictions that make approval for new cards conditional on how many accounts you’ve opened recently, such as Chase’s 5/24 rule.
While we know it’s possible to get around this requirement when authorized user accounts make you seem ineligible, convincing a representative that a co-signed card shouldn’t count against you is likely to be more difficult.
Related: Have good credit? Share it with an authorized user
Bottom line
If you’re trying to help someone boost their credit, being a co-signer for a credit card application can make a big difference. However, it’s also a significant risk since you’re then responsible for a credit card that you don’t completely control.
In most cases, it’s best to start by adding the other person as an authorized user on some of your cards — the person will get a credit score boost and enjoy some of the premium benefits your cards offer while you maintain full control of the accounts you’re responsible for.
After he or she has proven the ability to handle your cards responsibly, you can consider being a co-signer if you can find an issuer that allows it and if the person still can’t get a card without an assist.
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