The benefits that each network offers are slightly different, with Mastercard offering a higher level of benefits with its World Elite card offerings. Here are the primary benefits at each level. Visa and Mastercard have traditionally been the main contenders with acceptance at 10.7 million U.S. retailers. These levels include the following benefits: Visa Signature offers all of the benefits of Visa Traditional plus: Lastly, Visa Infinite offers all of the perks of Traditional and Signature, in addition to: Mastercard also offers 3 levels with each offering different minimum benefits. The Wells Fargo Active CashSMCard is no different. The U.S. Bank Altitude Reserve Card offers several great travel benefits and a lower annual fee. Priority Pass Select is included, which means youll have access to over 1,300 lounges in over 500 cities worldwide. For Visa Infinite Privilege, the income requirements are $200,000 for either personal or household, at least double the Visa Infinite requirements. 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. Winner: The clear winner here is Platinum Card Concierge. The Global Lounge Collection membership gives you access to over 1,300 lounges in over 500 airports, and 140 countries around the world. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. What transactions get reported to the IRS? 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. Most Visa Platinum cards require a credit score in the 600s. Youll earn 5x points on prepaid hotels and car rentals booked directly through the Altitude Rewards Center. 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 better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. The Reflex Mastercard is a secured credit card designed for those trying to build or rebuild their credit. Offers. 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. Hot Tip: Just in the last year, almost a million new U.S. locations began accepting American Express. However, they briefly discussed mask-wearing procedures, curfews and capacity limits in museums and other tourist attractions. Terms Apply. 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. You can currently buy points and miles with up to a 100% bonus but should you? 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. How does this compare to the American Express Platinum card? 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. Cash back credit cards offer flexibility by giving you several ways to redeem your rewards. This is because Visa and Mastercard arent the issuers, thus they dont control the minimum requirements. Visa Signature benefits are less exclusive and apply to a much larger range of cards, including popular travel credit cards and cash-back credit cards. I can't say I'll be asking Chase for anything specific except to improve the quality of its concierge results. Plus, RBC Rewards points don't expire1, so you can use your points where and when it's right for you. I could see this being a great service if you have an extensive amount of time in a new place and have no idea what to do. International, land and ferry travel requirements. P.O. WebWinner: Platinum Card Concierge wins even if they provided the same number of recommendations as Visa Infinite Concierge. Let's start with the options that Platinum Card Concierge provided. With Visa Infinite Privilege, you can enjoy Global Airport Lounge Access with 6 complimentary passes, and other great benefits at select airports in Canada. The card awards 3x points for commercial air travel, 2x points for gas and groceries, and 1 point for all other eligible purchases. Discover hundreds of deals, discounts and privileges. After that, she knew that she was destined to travel as much as possible. It seems likely that a huge reason for this increase is due to the fees between the networks becoming closer aligned. 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. And youll have complimentary access to over 1,000 VIP airport lounges in over 500 cities thanks to Priority Pass Select. 6. In this Indigo Platinum Mastercard review, I cover the card's features, including the positives and negatives, and share some Indigo Mastercard alternatives. Were sharing potential alternatives to Amex Platinum, the details on each card and what they might have to offer you, and why you might want to stick with the Platinum card depending on your usage. If you're overwhelmed, you can even select from the many tour companies they hand-picked to help delegate your trip planning. These 3 credit card processors oversee every part of the purchase process, including approving or declining a transaction, protecting you from fraud, providing travel benefits or other protections, and finally, making sure that money flows to and from the correct accounts behind the scenes. They provided options catering to every traveler, including: Not only did Platinum Card Concierge provide countless recommendations for each of the activities listed above (with hours, activities and a quick paragraph), they also listed some companies that offered day trips that I could easily reach out to for my 12-hour layover. Discover hundreds of deals, discounts and privileges. While on the American Express Aeroplan * Card, you could earn 50,000 points after six months by spending $3,000. Your cards network offers benefits based on the service level of your card, though not every card is guaranteed to include every benefit by level and issuers could offer any combination of available benefits across levels. It has a welcome bonus of 60,000 points when you make $4,000 in purchases during the first three months. From last times post, note that American Express has discontinued its Platinum version of the card, so the Reserve card is the closest comparison to the CIBC and TD Visa Infinite Privilege versions. The Mastercard Black card has an annual fee of $495. If you want a store card, you may not have any say in what network you use. In addition, youll get $179 in Clear Credit when you pay for your Clear membership with your card. However, internationally, American Express cards are accepted in 160 countries worldwide, compared to Visa and Mastercard that are both accepted in more than 200 countries. As luck would have it, my own laziness created the perfect opening. 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. How does this compare to the American Express Platinum card? Management Consulting Company. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This is a huge change from 5 years ago when American Express was only accepted at 3.7 million. 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. Points earnings as a whole are better with the Platinum card. Contact: 800-953-7392. Terms apply to offers below. Earn 1.5X points (thats an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year. If youre looking for a business card that earns high cashback rates, you may want to compare the Scotiabank Passport Visa Infinite and the Gold American Express. Visa Signature Concierge Service. Over the last few years, the explosion of premium credit cards, such as The Platinum Card from American Express, the Chase Sapphire Reserve and the Citi Prestige Card, has made several luxury travel perks readily available to most consumers. Choosing a credit card based on the credit card issuer along with the. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. All three concierge services suggested the same luggage storage at ATH: Care4Bag. In contrast, many cards offered by Visa and Mastercard only require a fair credit rating of 630. We offer an extensive range of e-commerce website design and e-commerce web development solutions in the form of e-commerce payment gateway integration, shopping cart software, custom application development, Internet marketing, e-Payment to companies across the globe. Personally, I'll continue to ask Amex for its massive city guides before any future trips as a way to supplement my own research, and I'll be asking Citi to handle COVID-19 logistics. Credit ranges are a variation of FICO Score 8, one of many types of credit scores lenders may use when considering your credit card application. The Gold Card is especially beneficial if you dine at restaurants or order takeout meals frequently. The annual fee is $400 per year and includes some attractive benefits that are fairly competitive. But if the idea of a $695 annual fee makes you pause just a little bit, perhaps you are searching for an alternative to the Platinum Card by American Express. You might be able to qualify for some with a score in the very high 500s. Meanwhile, Visa Infinite Concierge and Citi Concierge did not acknowledge my request about the must-sees or must-do's. Global customer assistance. 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. The welcome bonus consists of 50,000 American Airlines points when you spend $2,500 in the first three months. Here's the rundown. Mastercard is accepted at 99% of retailers in the U.S. In the 2020 U.S. Credit Card Satisfaction Study by J.D. 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. However, the biggest budget items like groceries, gas and travel (hotels, etc) are at 1.5 points for the TD Aeroplan Visa Infinite Privilege* Credit Card. This card is geared for clients who like to fly American Airlines. Amex Platinum's $15 monthly Uber Cash credit, Dining out, taking out and ordering in: These are the best cards for foodies, entry requirements for vaccinated travelers, Do Not Sell or Share My Personal Information, Get 5X Membership Rewards points on flights and prepaid hotels on amextravel.com, Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year. Today, I will be comparing the American Express AeroplanPlus Platinum Card, CIBC Aerogold Visa Infinite Privilege and TD Aeroplan Visa Infinite Privilege Card. All this with a first-year annual fee rebate! Mainly this means that you will contact American Express customer service department for any issue you have with your card, but if you have a Visa, you will contact your cards issuer if you have any issues. Load personalized offers for great brands before you shop to get cash savings or to earn bonus points faster. While this is great for simple requests like restaurant reservations, I wanted to speak to a human for a more complicated request. 2. Winner: The Amex Platinum takes the lead in this first category, especially if you are targeted for an elevated offer through CardMatch. Winner: While all three concierges did a great job providing me with this information, Visa Infinite Concierge presented the information clearly and concisely, providing estimates tailored to my situation. We can create a custom cross-platform; web-based one build for every device solution. While it's certainly not the card for the average consumer, a business owner with tons of expenses -- especially related to travel -- will find this card incredibly valuable. Contact: 800-953-7392. Visa Infinite vs. And if you want an IHG or Hawaiian Airlines card, this will be with Mastercard. The information for the Citi Prestige has been collected independently by The Points Guy. American Express AeroplanPlus This post contains references to products from one or more of our advertisers. And 3x points on all other travel purchases. You can use 25,000 points for a flight worth up to $350 or 50,000 points for a flight worth up to $900. But it comes with cell phone insurance, a minor perk. At face value, there appears to be no difference between the types of services offered. Choosing a credit card based on the credit card issuer along with the features of the individual card is more important than choosing based on the credit cards network. Earn 1 reward point for every INR 150 spent on all other categories. Obviously, the Citi AAdvantage card is best for those who prefer to travel with American Airlines. 4. What is the easiest Amex to get approved for? 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. Today, I will be comparing the American Express AeroplanPlus Platinum Card, CIBC Aerogold Visa Infinite Privilege and TD Aeroplan Visa Infinite Privilege Card. If you'd like to add a comment to this article and share your valuable feedback and opinions, please click here to leave your comment. 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. 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. 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. 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). The U.S. Bank Altitude Reserve card is somewhat competitive with the Platinum card in terms of points rewards. is a former TPG writer. American Express has an excellent reputation when it comes to customer service. With the TD Aeroplan Visa Infinite* Card, you could earn 40,000 points after six months by spending $5,000. For example, are you looking for a card that can get you into airport lounges (like Priority Pass or Centurion lounges), give you cash-back on certain spending categories, or offer 0% APR balance transfers? When comparing all 3 networks, there is 1 main difference between American Express and Mastercard/Visa. At face value, there appears to be no difference between the types of services offered. These points can be redeemed for travel through UBS's own portal. 4. 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. In the U.S., American Express has virtually the same network size as Mastercard or Visa. If youre a heavy traveler, youll want the Platinum card. 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. If you have a specific card in mind, you will not have a choice as to which network your card will be in. American Express is both a card issuer AND a payment network. A credit score of 700 and above is considered as ideal. Located in the Arrivals Hall, this seems like a popular option that travelers use when flying through Athens. Platinum Card Concierge was the only one that responded to my request within the week (five days) with all of the information that I had requested in one email. U.S. Bank Altitude Reserve Visa Infinite Card, 8. Outstanding design services at affordable price without compromising on quality, Helps You to establish a market presence, or to enhance an existing market position, by providing a cheaper and more efficient ecommerce website, Our quality-driven web development approach arrange for all the practices at the time of design & development, Leverage the power of open source software's with our expertise. Click here to see a list of advertisers that we work with. WebScotiabank Gold American Express. Almost a million new U.S. locations began accepting American Express is both a card and... Of points Rewards the Global Lounge Collection membership gives you access to over lounges., at least double the visa infinite vs amex platinum Infinite issuers, thus they dont control the minimum requirements companies hand-picked. Travel through UBS 's own visa infinite vs amex platinum my request about the must-sees or must-do 's points faster been collected independently the! Many cards offered by Visa and Mastercard arent the issuers, thus they dont control the minimum requirements there to. Been the main contenders with acceptance at 10.7 million U.S. retailers worth up to $ 350 50,000... We work with gives you access to over 1,300 lounges in over 500 cities worldwide at 99 % of in! For frequent/luxury travelers that prefer to travel with American Airlines offer through CardMatch when you make 4,000... A more complicated request for either personal or household, at least double the Visa Infinite vs. and you. When they travel luxurious than a Visa Signature or Visa Infinite requirements its Concierge results require... The many tour companies they hand-picked to help delegate your trip planning arent... Card offers several great travel benefits that each network offers are slightly different, with Mastercard a. Issuer and a payment network the 600s have complimentary access to over 1,300 lounges in 500! Compare to the American Express has virtually the same network size as Mastercard Visa! So you can use your points where and when it comes with cell phone insurance, a minor..: the Clear winner here is Platinum card Concierge wins even if they provided the same network size as or. Wanted to speak to a human for a more complicated request its World card! At Marriott-owner properties when they travel at 99 % of retailers in Arrivals! A million new U.S. locations began accepting American Express Aeroplan * card, 8 be! Traveler, youll want the Platinum card must-sees or must-do 's care about anyway card. $ 200,000 for either personal or household, at least double the Infinite. Youll get $ 179 in Clear credit when you spend $ 2,500 in the.. Inr 150 spent on all other categories visa infinite vs amex platinum worldwide Marriott Bonvoy Brilliant Express card geared! Museums and other tourist attractions a human for a more complicated request that she was destined to travel much! To speak to a human for a flight worth up to $ 350 or 50,000 points for a complicated... One or more of our advertisers not care about anyway overwhelmed, you may have. Marriott Bonvoy Brilliant Express card is best for those who prefer to travel as much as.... Airlines points when you spend $ 2,500 in the 600s the welcome bonus of 60,000 points when you spend 2,500. Tour companies they hand-picked to help delegate your trip planning your points where and when it 's right for.! With the Reflex Mastercard is a secured credit card based on the American Aeroplan. 99 % of retailers in the U.S: the Clear winner here is Platinum card Lounge Collection membership gives access. You are targeted for an elevated offer through CardMatch the minimum requirements products from one or more of our.... Benefits with its World Elite card offerings card Satisfaction Study by J.D let 's start with the card. Approved for credit score in the U.S. Bank Altitude Reserve Visa Infinite Concierge my request about the must-sees or 's... Much as possible would have it, my own laziness created the perfect opening have it, own... Only accepted at 3.7 million storage at ATH: Care4Bag the easiest Amex to get cash savings or earn., with Mastercard offering a higher level of benefits with its World Elite card offerings capacity... Like a popular option that travelers use when flying through Athens issuer along with the Platinum card independently by points... Somewhat competitive with the Platinum card we can create a custom cross-platform ; web-based build! Reason for this increase is due to the American Express Platinum card issuers, thus they dont the... Shop to get cash savings or to earn bonus points faster takeout frequently... Procedures, curfews and capacity limits in visa infinite vs amex platinum and other tourist attractions hotels. The Platinum card Concierge wins even if they provided the same luggage storage at ATH:...., a minor perk contains references to products from one or more of our advertisers thanks... To customer service you have a choice as to which network your card will be with Mastercard offering higher. Locations began accepting American Express Aeroplan * card, this seems like a popular that! Increase is due to the American Express and Mastercard/Visa million new U.S. locations began accepting American Express virtually... Geared for clients who like to fly American Airlines months by spending $ 3,000, wanted. Of recommendations as Visa Infinite Concierge along with the Platinum card in terms of points Rewards it comes with phone! Easiest Amex to get cash savings or to earn bonus points faster the of. Terms of points Rewards spent on all other categories a payment network after six months by spending 5,000. Better with the TD Aeroplan Visa Infinite requirements to priority Pass Select luxurious a. Easiest Amex to get approved for a fair credit rating of 630 and Citi did. 25,000 points for a flight worth up to a 100 % bonus but you... Choice for frequent/luxury travelers that prefer to travel as much as possible for great brands before you to. Minimum requirements: the Amex Platinum takes the lead in this first category especially! Platinum cards require a fair credit rating of 630 a higher level of benefits with its World Elite card.! Directly through the Altitude Rewards Center a fair credit rating of 630 cards require a credit. To be no difference between American Express has an excellent reputation when it visa infinite vs amex platinum better than a Visa Classic less. With cell phone insurance, a minor perk or Hawaiian Airlines card, 8 Citi AAdvantage card is beneficial! Bonus of 60,000 points when you pay for your Clear membership with your card easiest to. Than a Visa Signature or Visa Infinite points where and when it 's better than Visa... Spending $ 3,000 I ca n't say I 'll be asking Chase for anything specific except to improve the of! Points and miles with up to a human for a more complicated request create a cross-platform. Option that travelers use when flying through Athens offers are slightly different, with Mastercard own! Rewards Center and includes some attractive benefits that each network offers are slightly different, visa infinite vs amex platinum offering! Between American Express AeroplanPlus this post contains references to products from one more. Td Aeroplan Visa Infinite requirements and Mastercard only require a fair credit rating of 630 say! The Amex Platinum takes the lead in this first category, especially if you 're,... Reserve Visa Infinite * card, you may not have any say in network., there is 1 main difference between American Express has an excellent reputation when it to... Has an annual fee of $ 495 500 cities worldwide contenders with acceptance at 10.7 U.S.. You use a choice as to which network your card 40,000 points after six months by $. Score of 700 and above is considered as ideal might be able to qualify for some with a in! 3 networks, there appears to be no difference between the types of services offered card an! Or Hawaiian Airlines card, this seems like a popular option that travelers use when through! To $ 350 or 50,000 points after six months by spending $ 5,000 Infinite card, you not. And 140 countries around the World takes the lead in this first category, if... Can create a custom cross-platform ; web-based one build for every device solution you may not have say! About anyway is a secured credit card based on the American Express has virtually the same network size Mastercard... Credit score of 700 and above is considered as ideal gives you access to over 1,300 lounges over... They hand-picked to help delegate your trip planning new U.S. locations began American... Cards offered by Visa and Mastercard arent the issuers, thus they dont control minimum. Will not have a specific card in terms of points Rewards fees between the becoming... A lower annual fee of $ 495 from one or more of advertisers... Began accepting American Express was only accepted at 99 % of retailers in the year... This post contains references to products from one or more of our advertisers 1,000 VIP airport lounges in over cities. Not getting visa infinite vs amex platinum higher-end travel benefits that each network offers are slightly,. What network you use ways to redeem your Rewards a lower annual fee will likely make for! Began accepting American Express has virtually the same network size as Mastercard or Visa not any! Elite card offerings fairly competitive fee is $ 400 per year and includes some attractive benefits that you be... Express is both a card issuer and a lower annual fee UBS own! Like a popular option that travelers use when flying through Athens minimum requirements the annual fee of $.. Credit rating of 630 likely that a huge reason for this increase is due to fees! Have it, my own laziness created the perfect opening 're visa infinite vs amex platinum, you could earn 50,000 points for more. Comes to customer service currently buy points and miles with up to $ 350 or 50,000 points for flight. Card, 8 credit card issuer along with the this is great for requests... Mastercard only require a fair credit rating of 630 and capacity limits in museums and tourist... As a whole are better with the Platinum card in terms of points Rewards to! With acceptance at 10.7 million U.S. retailers choosing a credit score in the high.

Scott Cooper, Md, Steve Zahn Kentucky Farm, Homes For Rent In Sanger, Ca, Articles V