Meanwhile, Visa Infinite Concierge merely provided a brief sentence or two about each "Visa Infinite" is a package of superpremium benefits available on certain cards that carry the Visa label. Thats significantly lower than the Amex Platinum offer, though the spending requirement to earn the bonus is also lower. At face value, there appears to be no difference between the types of services offered. I may be compensated through 3rd party advertisers but our reviews, comparisons, and articles are based on objective measures and analysis. AMEX Plat's PP Select gets you unlimited visits, but guests are $29. There is currently a welcome bonus of 60,000 Ultimate Rewards points after you spend $4,000 in purchases within the first three months. 4. That being said, the sign-up bonus, lack of income requirement, and ability to get up to a 3% return on your rewards can make this $120 annual fee worth it for some. But first, below are the highlights of each respective cards and then provided my commentary on some of the key factors to compare. There are also some lounges that you can access via the Plat directly, like Delta SkyClubs. The annual fee is $400 per year and includes some attractive benefits that are fairly competitive. Therefore, you will get more points with it than with the 1.5 points of the TD card. Theres no lounge access, credits for designated retail purchases, or access to features like early check-in at higher end hotels. No Foreign Transaction Fees. Other purchases earn 1x points. First, the table below shows the amount of time it took to get through to each concierge, from the time I dialed the phone number to the time my account had been authenticated and I was speaking to a live human. Its probably not even on your radar! However, if youre an infrequent traveler or if you mostly travel domestically, youll probably do just fine with the Citi Premier card. 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. What Is Your Credit Score, How Does It Work & Why Is It Important? Let's start with the options that Platinum Card Concierge provided. Your Visa Platinum card offers a credit limit up to $50,000. Here are the primary benefits at each level. In the 2020 U.S. Credit Card Satisfaction Study by J.D. This post contains references to products from one or more of our advertisers. For more information on our advertisers, see here. This is because Visa and Mastercard arent the issuers, thus they dont control the minimum requirements. Visa and Mastercard are accepted at roughly the same number of retailers domestically (99% for both) and internationally (210+ countries and territories for Visa vs. 200+ for Mastercard). American Express is both a card issuer AND a payment network. The Mastercard Black Card disappoints in that it doesnt offer any welcome bonuses. Millionaires use credit cards like the Centurion Card from American Express, the J.P. Morgan Reserve Credit Card, and The Platinum Card from American Express. Visa Infinite vs. This site does not include all credit card companies or all available credit card offers. Examples of other companies that use the American Express payment network include Bank of America, BBVA Compass, Citigroup, U.S. Bank, USAA, and Wells Fargo. See the Amex website for details. Specific benefits for American Express vary by card, but some common benefits offered include things like: Hot Tip: It is important to reference the benefits for your specific card to get a full picture of all of the benefits your card provides. 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. Global ATM network. Can you pay off a 72 month car loan early? Meanwhile, Visa Infinite Concierge and Citi Concierge did not acknowledge my request about the must-sees or must-do's. These points can be redeemed for travel through UBS's own portal. But if you're the type of traveler that gets overwhelmed by options, Citi Concierge also narrowed it down nicely to two restaurants that sound decadent. Where would you recommend I eat in order to experience authentic and local cuisine? After that, she knew that she was destined to travel as much as possible. Box 323 Opinions, reviews, analyses & recommendations are the author's alone and have not been reviewed, endorsed or approved by any of these entities. How does this compare to the American Express Platinum card? TPG also values Ultimate Rewards points at 2 cents each, making this bonus worth $1,200. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The Wells Fargo Active CashSMCard is no different. And youll have complimentary access to over 1,000 VIP airport lounges in over 500 cities thanks to Priority Pass Select. Finding a card that matches your requirements might be more important than picking a card network. Winner: The Amex Platinum takes the lead in this first category, especially if you are targeted for an elevated offer through CardMatch. Offers. Some networks are more widely accepted, some offer better customer service, and others might be the best choice if you have less than stellar credit. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. Youll also receive a $100 annual statement credit toward qualifying airline purchases. In addition, the card offers special access to tickets (including presale tickets) for thousands of events including sporting events, concerts, dining experiences, and more. Theres just not as wide a selection of cards issued by American Express compared to the number of cards that hold the Visa or Mastercard logo. Score: 4.4/5 ( 20 votes ) 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 provided tons of options that made me want to turn my layover into a full-blown trip to Athens. 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. The Infinite card offers accelerated cash back rates: 4% for grocery store purchases, 2% for gas, and 1% for daily transit purchases. Having the ability to choose travel or financial redemption options makes the RBC Avion Visa Infinite Card a great asset; however, Aeroplan points are worth more. Opinions and recommendations are ours alone. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. The Chase Sapphire Reserve has an annual fee of $550 and is probably the Platinum cards closest competitor. Winner: The clear winner here is Platinum Card Concierge. The Visa Platinum is the second tier of the four Visa credit card types. The American Express Platinum card has several attractive alternatives. Therefore, you will get more points with it than with the 1.5 points of the TD card. Meanwhile, Visa Infinite Concierge merely provided a brief sentence or two about each Mastercard is accepted at 99% of retailers in the U.S. Now, work has her living in San Diego with her husband, daughter, and yellow lab. It seems likely that a huge reason for this increase is due to the fees between the networks becoming closer aligned. 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. What credit score does Chase use for auto loans? As an Amazon Associate, I earn from qualifying purchases. While it's easy to pick a winner for individual categories, it's harder to do so overall. Plus, RBC Rewards points don't expire1, so you can use your points where and when it's right for you. in Information Technology - Software Engineering from Carnegie Mellon University, as well as a Masters in Business Administration from Johns Hopkins University. 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. So what does that mean for you? Full Review The Capital One Platinum Credit Card is a solid option for those with average credit. At a minimum, it might be a good idea to keep cards with different networks to cover you in all circumstances. Terms Apply. How do credit cards make money if you don't pay interest? When it comes to premium travel credit cards, the Platinum Card by American Express is one of the most well known and one of the best. However, there are two different phone numbers one dedicated for Visa Signature cardholders and another for Visa Infinite cardholders. With a $495 annual fee, this card comes with plenty of statement credits, including a $250 annual airline fee credit and a $500 dining and airport club statement credit. With Mastercard and Visa, you will also have a card issuer which is typically a bank. Greece has recently reopened to travelers. The annual fee is $650 per year. We know that choosing a credit card based on the credit card issuer and the features of the specific card is probably a bigger consideration than choosing based on the credit card processing network. The Visa Platinum is the second tier of the four Visa credit card types. The card awards 3x points for commercial air travel, 2x points for gas and groceries, and 1 point for all other eligible purchases. Indigo Platinum Mastercard Review: Is it Worth the Cost? Rather than standard credit limits and customer service hotlines, elite invite-only cards can come with unlimited credit lines and personal shoppers willing to track down just about anything. For an all-in-one solution towards many of lifes common expenses, the Scotiabank Passport Visa Infinite Card packs quite a punch. Welcome Offer: Earn 120,000 Membership Rewards points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership. Thats significantly lower than the Amex Platinum offer, though the spending requirement to earn the bonus is also lower. For an explanation of our Advertising Policy, visit. U.S. Bank Altitude Reserve Visa Infinite Card. The most recent comparative post was: AMEX vs. CIBC vs. TD Aeroplan Platinum/Privilege Cards. All Rights Reserved. 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. No responsibility will be taken by the bank advertiser for these comments. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. Platinum Card Concierge also included contact information for tourist offices in case of an emergency. Can you pay off a 72 month car loan early? 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