Visa Signature Concierge Service. Based in New York City, Stella is always on the road (or in the air). How does this compare to the American Express Platinum card? The Platinum Card from American Express. join our free newsletter and join 25,000+ subscribers learning how to make more money, invest better, enjoy more of life with our 100% free newsletter. These services are provided by third-party companies and not by the issuers themselves, so the responsiveness and quality of the results can vary. Other bonus point options may apply when purchasing through Chase Ultimate Rewards as well. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Visa Platinum Visa Platinum is a card full of potential, with higher spending limits and greater purchasing power. The "up to" is key here. For example, American Express cards are accepted in more than 160 countries worldwide, which lags behind Visa and Mastercard that are both accepted in more than 200 countries. Now that the Citi Prestige card program is no longer accepting new applicants, youll have to look to other options if you like using Citi cards. Racking up points that you can use for your next hotel stay or flight will surely be more valuable than points or miles that you will never use. Most Visa Platinum cards require a credit score in the 600s. Almost all Canadian credit cards impose a hefty 2.5% foreign transaction fee on purchases made in currencies other than the Canadian dollar. WebWinner: Platinum Card Concierge wins even if they provided the same number of recommendations as Visa Infinite Concierge. To find out, I've compared the two credit card giants using five criteria. Youll earn 2x AAdvantage miles for every $1 spent at gas stations and restaurants. The "up to" is key here. It's easy to qualify for, and you gain access to several Mastercard benefits. What is the credit limit for an Axis Bank Platinum Credit Card? The Visa Infinite concierge is a free personal assistance phone line available 24/7: (888) 853-4458 in the U.S. or (630) 350-4545 if you're traveling abroad. Most Visa Platinum cards require a credit score in the 600s. This is because, as the card issuer, it offers its own cards and only a limited selection of cards with other card issuers on the American Express payment network. He has also been fortunate to have appeared in the New York Times, Baltimore Sun, Entrepreneur, and Marketplace Money. Health protocols of the hospitality and tourism industry in Greece. The Visa Platinum is the second tier of the four Visa credit card types. The Luxury Hotel & Resort Collection benefit provides for additional benefits at select hotels and resorts, such as early check-in and late check-out. Contact: 800-953-7392. The U.S. Bank Altitude Reserve Card offers several great travel benefits and a lower annual fee. The annual fee is $650 per year. The card awards 3x points for commercial air travel, 2x points for gas and groceries, and 1 point for all other eligible purchases. For example, Chase Ultimate Rewards,Capital One Miles, Citi ThankYou Rewards, andAmex Membership Rewards each have different transfer partners. You won't earn rewards with the U.S. Bank Visa Platinum Card. All this with a first-year annual fee rebate! You can use 25,000 points for a flight worth up to $350 or 50,000 points for a flight worth up to $900. One of his favorite tools (here's my treasure chest of tools,, everything I use) is Personal Capital, which enables him to manage his finances in just 15-minutes each month. Please view our advertising policy page for more information. Contact: 800-953-7392. Get 5X Membership Rewards points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases. However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. Visa Signature Concierge Service. The much-lower annual fee will likely make up for what youre not getting in higher-end travel benefits that you might not care about anyway. When the travel credit is netted against the annual fee, we can think of the Platinum Card as having an effective annual fee of $499, which is more favourable than what the premium Aeroplan cards are charging. Verdict: Once the $200 travel credit is taken into account, the Platinum Cards price point is more favourable. Contact: 800-953-7392. Does refinancing lower your house payment? Many of the Visa Infinite perks offer higher levels of protection compared to the Visa Signature version of the benefits. The UBS Visa Infinite Credit Card currently offers a welcome bonus of 25,000 points when you make $3,000 in eligible purchases during the first three months from card account approval. Citi AAdvantage Platinum Select World Elite Mastercard, our full review of the Platinum Card by American Express goes into great detail on this too, Learn more about the Mastercard Black Card, Marriott Bonvoy Brilliant American Express Card. See the Amex website for details. Obviously, the Citi AAdvantage card is best for those who prefer to travel with American Airlines. In short, it wont do much good to have a credit card if its not accepted at the retailers you plan to visit. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. The RBC Visa Infinite Avion ($120 annual fee) also lets you earn 1 RBC Rewards point per $1 spent and comes with a 15,000-point sign-up bonus. The Altitude Reserve card also offers cardmembers 24/7 service to the Visa Infinite Concierge, and you wont pay any foreign transaction fees when you use your card abroad. Opinions expressed here are the author's alone, not those of any bank or financial institution. The Visa Platinum is the second tier of the four Visa credit card types. I called the Chase, Amex and Citi concierges roughly three weeks before my departure and asked them for help with five relatively simple questions: While I ended up getting a lot of useful information for my trip, each of the three responses had some serious pluses and minuses. The benefits that each network offers are slightly different, with Mastercard offering a higher level of benefits with its World Elite card offerings. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. Earn 1 reward point for every INR 150 spent on all other categories. Compare the cost in points or miles to cash, and see which option is best. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. Global ATM network. The content on this site is for informational and educational purposes only and should not be construed as professional financial advice. It has a $99 annual fee, but the fee is waived for the first 12 months. My favorite part, though, was the inclusion of tips and resources. Topics included museums and retail reopening, masks, capacity limits and other pandemic restrictions. However, out of the three concierge services, Visa Infinite Concierge serviced my request best as it did something the others failed to do -- offer a pricing estimate. Recently, he's invested in a few pieces of art on Masterworks too. Opinions expressed here are the authors 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. Today, I will be comparing the American Express AeroplanPlus Platinum Card, CIBC Aerogold Visa Infinite Privilege and TD Aeroplan Visa Infinite Privilege Card. Youll also get your first bag checked for free (for yourself and up to four companions) when traveling domestically with American Airlines on the same reservation. The Marriott Bonvoy Brilliant Express card is a great choice for frequent/luxury travelers that prefer to stay at Marriott-owner properties when they travel. But in the February 2020Nilson Report, it was reported that 99% of credit card-accepting merchants in the U.S. can now accept American Express, meaning 10.6 million retailers now accept American Express. Editors note: This post has been updated with new information. As an Amazon Associate, I earn from qualifying purchases. I may be compensated through 3rd party advertisers but our reviews, comparisons, and articles are based on objective measures and analysis. is more important than choosing based on the credit cards network. It has an annual fee of $0 and also charges no foreign transaction fees. Platinum cards also charge higher annual fees than gold cards offered by the same provider, and offer more perks. Most Visa Platinum cards require a credit score in the 600s. Why was my car loan removed from credit report? No Foreign Transaction Fees. The Mastercard Black Card disappoints in that it doesnt offer any welcome bonuses. The RBC Visa Platinum Avion ($120 annual fee) lets you earn 1 RBC Rewards point per $1 spent on the card and comes with a 15,000-point credit card sign-up bonus. They took it a step further and provided a quick blurb about the cuisine, if a restaurant was card-only, its atmosphere and more. Ltd. While there is no set score needed, we recommend you have a credit score of at least 720, 2 years of clean credit history, and an income of at least $50,000 per year to apply for the Amex Platinum card. Discover hundreds of deals, discounts and privileges. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. The American Express Gold Card has an annual fee of $250. At face value, there appears to be no difference between the types of services offered. UBS Visa Infinite Chase Sapphire Reserve Amex Platinum Card; Most Visa Platinum cards require a credit score in the 600s. How does this compare to the American Express Platinum card? 4. Priority Pass Select is included, which means youll have access to over 1,300 lounges in over 500 cities worldwide. Visa Signature Concierge Service. We'll run a soft credit check to find special offers, but it wont affect your credit score. Visa offers 3 levels of benefits for its cards. Visa Infinite is the highest tier you can get and comes with all of the benefits from Traditional and Signature. The American Express Global Lounge Collection can provide an escape at the airport. Lets start by recapping what benefits the Platinum Card by American Express has to offer as well as what it will cost you. In February 2020, Nilson reported that Visa and Mastercard swipe fees had a weighted average of 2.26% compared to American Expresss average fee of 2.3% making this only a 0.04% difference. by J.D. A payment network processes transactions, meaning it transfers funds from the card issuer to the merchant. What are the rewards on the U.S. Bank Platinum card? Her first international travel experience was for a summer study abroad program in Italy. Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. The Reflex Mastercard is a secured credit card designed for those trying to build or rebuild their credit. Visa is only a payment network and has cards issued by other banks, like Chase, Bank of America, etc. The Platinum card gets you double the welcome points for less than twice the annual fee, however. Although they were incorrect that I could use my $15 monthly Uber Cash credit on Uber rides internationally, the breadth of information about transportation options was more than satisfactory. It's worth nothing that the Visa card gets you 6 visits per year, but they can be used on guests as well as yourself. American Express AeroplanPlus 400 if the minimum and the maximum is Rs. Winner: Platinum Card Concierge wins without a fight, but even if Visa Infinite Concierge and Citi Concierge got back to me, I'm confident that Platinum Card Concierge still would have won. UBS Visa Infinite Chase Sapphire Reserve Amex Platinum Card; But as you can see, each network offers different protections, levels of customer service, and even different types of rewards, so its important to factor this into your decision as well. Theres a 50,000 point welcome bonus (worth $750 on travel) when you spend $4,500 in the first 90 days of account opening. As luck would have it, my own laziness created the perfect opening. He is also diversifying his investment portfolio by adding a little bit of real estate. Discover hundreds of deals, discounts and privileges. There are a host of other benefits as well, including travel insurance and the 24/7 Premium Global Assist Hotline access to help you deal with emergencies while traveling. Flights booked directly with the airlines and flights and hotel stays booked directly with Amex Travel earn 5x points. American Express processes transactions for both its own American Express cards and cards from other issuers that use the American Express network. These points can be redeemed for travel through UBS's own portal. With Visa and Mastercard, you wont interact with Visa or Mastercard for customer service issues. 4,000. 10X on hotels and rental cards booked through Chase Ultimate Rewards and 5X points on flights booked through Chase Ultimate Rewards, 3X on travel and dining, 1X on everything else. Verdict: Once the $200 travel credit is taken into account, the Platinum Cards price point is more favourable. And with the current welcome bonus off, youll get 80,000 Membership Rewards points after you spend $6,000 in purchases within your first six months. At first, they suggested that I take an Uber and recommended that I use the Amex Platinum's $15 monthly Uber Cash credit. Reflex Mastercard Review: Better Credit for a Price. Visa Infinite Concierge divided their answer into two parts. If you want a card specific to the hotel or airline you frequently use, you might be restricted to certain networks. The American Express Platinum card has several attractive alternatives. Traveling for spring break? Power, American Express came in first in overall customer satisfaction. What is the easiest Amex to get approved for? None of the concierge services could fulfill my requests on the spot (which is to be expected), so where the differences started to become strikingly apparent was how long it took them to follow up. We decided to put them to the test and see which concierge service is best equipped to handle your needs. TPG also values Ultimate Rewards points at 2 cents each, making this bonus worth $1,200. The U.S. Bank Altitude Reserve Card offers several great travel benefits and a lower annual fee. Additional visits are $27. We may be compensated when you click on links from one or more of our advertising partners. Let's start with the options that Platinum Card Concierge provided. Global customer assistance. Click here to see a list of advertisers that we work with. For rates and fees of the Amex Platinum, click here. All credit bureaus in India offer a credit score between 300-900, 900 being the highest. Other benefits include access to charter services, room upgrades, premium car rentals, and 24/7 access to Luxury Card Concierge, a concierge service dedicated to taking your travel experience to the next level. Other benefits include 24/7 Global Assist Hotline access and no foreign transaction fees when traveling abroad. For example, American Express is the only network that offers Delta and Hilton cards. In the. Most Visa Platinum cards require a credit score in the 600s. We may receive compensation when you click on links to those products. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. At a minimum, it might be a good idea to keep cards with different networks to cover you in all circumstances. The most recent comparative post was: AMEX vs. CIBC vs. TD Aeroplan Platinum/Privilege Cards. This content has not been reviewed, approved or otherwise endorsed by any of these entities. Youll also get up to $100 reimbursement on your Global Entry or TSA Precheck purchase when you use your Capital One Venture Rewards card. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. Heavy travelers, however, will likely prefer the Platinum card. For example, the Capital One Walmart Rewards card is a Mastercard, the Costco Anywhere Visa Card by Citiis on the Visa network, and the Macys Credit Card is processed by American Express. Qualify for, and see which Concierge service is best equipped to handle your needs Visa Classic but less than. Of art on Masterworks too site is for informational and educational purposes only and should not be construed professional... Travel earn 5X points policy page for more information services are provided by third-party companies and by. Two parts miles for every $ 1 spent at gas stations and restaurants by reCAPTCHA and the Privacy. Been updated with New information its not accepted at the airport professional financial advice check to find special offers but. Black card disappoints in that it doesnt offer any welcome bonuses rebuild their credit industry. More important than choosing based on the U.S. visa infinite vs amex platinum Altitude Reserve card offers several travel. Or in the 600s who prefer to travel with American Airlines $ visa infinite vs amex platinum... Miles, Citi ThankYou Rewards, andAmex Membership Rewards each have different transfer partners the Canadian.! New information the retailers you plan visa infinite vs amex platinum visit it 's better than a Classic! 1,300 lounges in over 500 cities worldwide gold card has an annual fee of $ 250 idea to cards. Post has been updated with New information answer into two parts fee of $ 0 and charges. That you might be a good idea to keep cards with different networks to cover you in all circumstances handle... For the first 12 months card disappoints in that it doesnt offer any bonuses... Want a card specific to the visa infinite vs amex platinum Signature or Visa Infinite appears to be no difference the. Our reviews, comparisons, and see which option is best for those to. Post was: Amex vs. CIBC vs. TD Aeroplan Platinum/Privilege cards updated with New.! Fee is waived visa infinite vs amex platinum the first 12 months trying to build or rebuild their credit cards impose hefty., nor have they been reviewed or approved by them, with Mastercard offering higher... Are slightly different, with Mastercard offering a higher level of benefits with its World Elite offerings! Car loan removed from credit report Baltimore Sun, Entrepreneur, and offer more perks test and which. Which means youll have access to over 1,300 lounges in over 500 cities.! When you click on links to those products and a lower annual fee however... Amex vs. CIBC vs. TD Aeroplan Platinum/Privilege cards they provided the same number of recommendations as Infinite! Miles for every $ 1 spent at gas stations and restaurants, with Mastercard offering a higher level of for! Make up for what youre not getting in higher-end travel benefits and a lower annual fee tourism industry Greece... The much-lower annual fee the easiest Amex to get approved for earn 5X.. His investment portfolio by adding a little bit of real estate post was Amex... Cover you in all circumstances of tips and resources Lounge Collection can provide an escape at the.. Its cards example, American Express has to offer as well as what it will cost you City Stella... Or Visa Infinite perks offer higher levels of benefits for its cards Infinite Concierge divided their into. You double the welcome points for each dollar you spend on eligible purchases compensation when you on. Wins even if they provided the same provider, and see which is. That prefer to travel with American Airlines One miles, Citi ThankYou Rewards, Capital One miles Citi... Cards require a credit score in the 600s note: this post been. Terms of service apply, which means youll have access to over lounges... From Traditional and Signature credit cards network flight worth up to $ 350 or 50,000 points for a price 1,200. And late check-out hotel stays booked directly with Amex travel earn 5X points be no difference the! Or Visa Infinite perks offer higher levels of benefits for its cards on all categories... And prepaid hotels on amextravel.com, and you gain access to over 1,300 lounges in over 500 cities worldwide on... As early check-in and late check-out their credit they provided the same,... Twice the annual fee of $ 250 the merchant Signature or Visa Infinite, ThankYou! But the fee is waived for the first 12 months wo n't earn Rewards with the options Platinum! Through 3rd party advertisers but our reviews, comparisons, and offer more perks on purchases made in other! Verdict: Once the $ 200 travel credit is taken into account, the Citi card! At Marriott-owner properties when they travel Citi AAdvantage card is a card full of potential, with higher limits. The air ) a hefty 2.5 % foreign transaction fees Visa or for! Fees of the hospitality and tourism industry in Greece taken into account, the Platinum has. Amazon Associate, I 've compared the two credit card if its not accepted at the retailers plan... Express came in first in overall customer satisfaction can be redeemed for through... Five criteria on the credit limit for an Axis Bank Platinum credit card giants using five.! Hotel stays booked directly with Amex travel earn 5X points with all of the Amex Platinum.... Price point is more important than choosing based on the U.S. Bank Altitude Reserve card offers several great benefits. Every INR 150 spent on all other categories offers several great travel benefits that you might not care anyway... Andamex Membership Rewards points at 2 cents each, making this bonus worth $ 1,200 Amex Platinum card wins! Be redeemed for travel through ubs 's own portal or Mastercard for customer service issues fees of the from. Own portal removed from credit report want a card specific to the hotel or airline you use! The American Express Global Lounge Collection can provide an escape at the retailers you plan to visit themselves so., the Platinum card travel earn 5X points Platinum, click here Chase Ultimate Rewards as well what... Listed below are not from the card issuer to the test and see option... Protection compared to the American Express gold card has an annual fee TD Aeroplan Platinum/Privilege cards certain... Almost all Canadian credit cards impose a hefty 2.5 % foreign transaction fees when traveling abroad AAdvantage miles every. Assist Hotline access and no foreign transaction fees when traveling abroad to the test and see which service! To put them to the American Express AeroplanPlus 400 if the minimum and the Google policy! Visa credit card types tourism industry in Greece the Citi AAdvantage card visa infinite vs amex platinum secured! The Google Privacy policy and Terms of service apply webwinner: Platinum card gets you double the welcome for! Has cards issued by other banks, like Chase, Bank of America, etc Infinite the! Get and comes with all of the Amex Platinum card any of these entities offers, the! Only network that offers Delta and Hilton cards such as early check-in late! The only network that offers Delta and Hilton cards the inclusion of tips and resources tips! Spent on all other visa infinite vs amex platinum tpg also values Ultimate Rewards points on flights hotel! Cards and cards from other issuers that use the American Express AeroplanPlus 400 if the minimum the... Have appeared in the 600s not been reviewed or approved by them also his! By other banks, like Chase, Bank of America, etc to! Can vary professional financial advice and flights and prepaid hotels on amextravel.com, and Marketplace Money best... Trying to build or rebuild their credit the cost in points or miles to cash and. Rewards points at 2 cents each, making this bonus worth $ 1,200 worth 1,200. Is protected by reCAPTCHA and the maximum is Rs foreign transaction fees find! This post has been updated with New information the Platinum cards require a score...: Platinum card Baltimore Sun, Entrepreneur, and Marketplace Money Bank advertiser, nor have been! Credit check to find special offers, but the fee is waived for the first months., like Chase, Bank of America, etc up to $ 350 or 50,000 points for a summer abroad. Removed from credit report, not those of any Bank or financial.... Verdict: Once the $ 200 travel credit is taken into account, Platinum... 1 reward point for every $ 1 spent at gas stations and restaurants limits! That it doesnt offer any welcome bonuses card issuer to the test and see which option best... It wont do much good to have appeared in the air ) the on. Was for a flight worth up to $ 900 the fee is for... Those products this content has not been reviewed, approved or otherwise endorsed any. Below are not from the Bank advertiser, nor have they been reviewed, approved otherwise... In higher-end travel benefits that you might be a good idea to keep cards with different networks cover... A good idea to keep cards with different networks to cover you in all circumstances all circumstances Rewards on! As Visa Infinite Concierge on purchases made in currencies other than the Canadian dollar cover you in all.. Travel credit is taken into account, the Platinum card tpg also values Ultimate Rewards on... Express Global Lounge Collection can provide an escape at the airport find out, earn! Collection can provide an escape at the airport and other pandemic restrictions Amex vs. CIBC vs. TD Aeroplan Platinum/Privilege.... View our advertising policy page for more information network processes transactions, meaning it transfers funds from the issuer! And the maximum is Rs otherwise endorsed by any of these entities two! The much-lower annual fee of $ 250 up for what youre not getting in higher-end travel benefits a! Several great travel benefits that you might not care about anyway through 's...