Discover hundreds of deals, discounts and privileges. Platinum Card Concierge also included contact information for tourist offices in case of an emergency. The card details on this page have not been reviewed or provided by the card issuer. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The American Express Gold Card has an annual fee of $250. Travel accident insurance and 24/7 travel assistance services are included as well. Heres everything you need to know about these 3 credit card processors and the main differences between them. How do credit cards make money if you don't pay interest? Most Visa Platinum cards require a credit score in the 600s. 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. Discover hundreds of deals, discounts and privileges. In the U.S., American Express has virtually the same network size as Mastercard or Visa. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. Heavy travelers, however, will likely prefer the Platinum card. Your RBC Avion Visa Infinite card is the travel card that caters to your every need, at home and away. CEO It has a welcome bonus of 60,000 points when you make $4,000 in purchases during the first three months. Her first international travel experience was for a summer study abroad program in Italy. The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. Now, there are platinum credit cards offered for every level of creditworthiness, from bad to excellent, and the word platinum has more to do with marketing than a card's benefits and features. The Chase Sapphire Reserve might be a better choice if you want to save upwards of $150 on the annual fee but still enjoy a lot of the same benefits. You can also reach the Amex Platinum concierge by chatting with them through the Amex app or via email. 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. While the Sapphire Preferred is a Visa Signature, Chase has upgraded the Sapphire Reserve to Visa Infinite with some added benefits, making the Sapphire Reserve one of only a handful of Visa Infinite cards available in the U.S. Which is Better Visa Platinum or Visa Infinite? Platinum Card Concierge provided an incredibly robust number of activities (and even a photo gallery of these recommendations) for my 12-hour layover in Athens. The Luxury Hotel & Resort Collection benefit provides for additional benefits at select hotels and resorts, such as early check-in and late check-out. Power, American Express came in first in overall customer satisfaction. Jan 28, 2022. 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 benefits that each network offers are slightly different, with Mastercard offering a higher level of benefits with its World Elite card offerings. Recently, he's invested in a few pieces of art on Masterworks too. WebScotiabank Gold American Express. Here are the primary benefits at each level. The most recent comparative post was: AMEX vs. CIBC vs. TD Aeroplan Platinum/Privilege Cards. Therefore, you will get more points with it than with the 1.5 points of the TD card. This site does not include all credit card companies or all available credit card offers that are on the market. Members are also eligible for preferred seating for select cultural and sporting events when paying with the Amex Gold card. 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 annual fee on the U.S. Bank Visa Platinum Card is $0. Can you pay off a 72 month car loan early? It has also done well consistently year over year. This means that anywhere that accepts credit cards usually accepts cards from all 3 networks American Express, Visa, and Mastercard. Most Visa Platinum cards require a credit score in the 600s. You might be able to qualify for some with a score in the very high 500s. The first is a Welcome Bonus of 75,000 miles when you spend $4,000 on purchases within the first 3 months of opening the account, equal to $750 in travel. Terms Apply. I did receive information about the suburban railroad as another option into the city. It's hard to find a card that competes with the mile-long list of benefits that come with the Amex Business Platinum. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). You can currently buy points and miles with up to a 100% bonus but should you? The Citi Premier Card is one option, and it comes with a $95 annual fee. Offers. 4. You can use 25,000 points for a flight worth up to $350 or 50,000 points for a flight worth up to $900. The Capital One Venture Rewards Card offers several great travel benefits with only an annual fee of $95. What is the fastest way to pay off a parent PLUS loan? UBS Visa Infinite Chase Sapphire Reserve Amex Platinum Card; And youll earn 10x points on hotels and car rentals purchased through the program. If most of your transactions will be made in the U.S., you shouldnt really run into any issues with your card being accepted. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. It was a close race, but I did manage to come up with a winner. The Infinite card offers accelerated cash back rates: 4% for grocery store purchases, 2% for gas, and 1% for daily transit purchases. If you travel oversea every year, this card is worth the money because it comes with medical insurance and travel insurance lounge access. But first, below are the highlights of each respective cards and then provided my commentary on some of the key factors to compare. The most recent comparative post was: AMEX vs. CIBC vs. TD Aeroplan Platinum/Privilege Cards. 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. The U.S. Bank Altitude Reserve card is somewhat competitive with the Platinum card in terms of points rewards. The most recent comparative post was: AMEX vs. CIBC vs. TD Aeroplan Platinum/Privilege Cards. 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. Today, I will be comparing the American Express AeroplanPlus Platinum Card, CIBC Aerogold Visa Infinite Privilege and TD Aeroplan Visa Infinite Privilege Card. Let's start with the options that Platinum Card Concierge provided. You might be able to qualify for some with a score in the very high 500s. All this with a first-year annual fee rebate! Many of the Visa Infinite perks offer higher levels of protection compared to the Visa Signature version of the benefits. What are the current COVID-19 restrictions and regulations to be wary of? The Gold Card is especially beneficial if you dine at restaurants or order takeout meals frequently. Offers. And you can transfer the miles to one of 15+ Capital One partner travel loyalty programs. I can't say I'll be asking Chase for anything specific except to improve the quality of its concierge results. I could see how useful consulting a concierge service is, especially regarding the ever-changing requirements for vaccinated travelers and international travel. The Marriott Bonvoy Brilliant American Express Card offers 95,000 Marriott Bonvoy points after you spend $5,000 in purchases in the first 3 months.. That means your 60,000 points could be worth $900 instead of $600. And youll have complimentary access to over 1,000 VIP airport lounges in over 500 cities thanks to Priority Pass Select. American Express AeroplanPlus 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. And youll earn 2x AAdvantage miles for every eligible American Airlines purchase. Winner: The Amex Platinum takes the lead in this first category, especially if you are targeted for an elevated offer through CardMatch. Therefore, the TD Aeroplan Visa Infinite* Card sweeps this category strictly for its point value in terms of a travel card. And theres no cap to the number of AAdvantage miles you can earn. Youll also get a $10 per month Uber credit when you add your Amex Gold card to your Uber account. These points can be redeemed for travel through UBS's own portal. Best card for premium perks while traveling, Capital One Venture X Rewards Credit Card, The Business Platinum Card from American Express, Ritz-Carlton is coming to Italy, Hyatt opens in San Miguel de Allende and other hotel news you missed. Putting this all together, there are a few important items to consider when deciding between these 3 major credit card networks. Hot Tip: Just in the last year, almost a million new U.S. locations began accepting American Express. 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. But not rental homes, because he doesn't want a second job, it's diversified small investments in a few commercial properties and farms in Illinois, Louisiana, and California through AcreTrader. Check here before booking an award fare. No responsibility will be taken by the bank advertiser for these comments. Best Credit Cards for Rental Car Insurance, Business Credit Cards for Advertising Purchases, Business Credit Cards for Shipping Purchases, Top Reasons to Get a Business Credit Card, How to Apply For a Small Business Credit Card, Maximize Rewards From Your Business Purchases, Comparing Top 3 Chase Business Credit Cards, Tourist Visa Requirements for U.S. Citizens, How to Cancel an American Airlines Flight, TSA PreCheck Everything You Need to Know, Chicago OHare International Airport [ORD], Best Websites for Booking Affordable Hotels, Best Hilton Luxury Hotels to Book With Points, Guide to Hotel Status Matches and Challenges, Best Marriott Luxury Hotels to Book With Points, Best Ways to Redeem Marriott Points for Hotels, Best IHG Luxury Hotels to Book With Points, Marriott Bonvoy Hotel Loyalty Program Review. Transferable points currencies should be a huge factor when determining the best card for you. 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. A credit score of 700 and above is considered as ideal. What credit score does Chase use for auto loans? Meanwhile, Visa Infinite Concierge merely provided a brief sentence or two about each The annual fee is $400 per year and includes some attractive benefits that are fairly competitive. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. With the TD Aeroplan Visa Infinite* Card, you could earn 40,000 points after six months by spending $5,000. However, would an American Express Platinum Alternative be better for you? The Citi AAdvantage card is another option for travelers. For more information on our advertisers, see here. Mastercard and Visa are only payment networks. The Visa Platinum is the second tier of the four Visa credit card types. $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card or any of the Additional Cards on your Platinum Card account. Visa and Mastercard have traditionally been the main contenders with acceptance at 10.7 million U.S. retailers. by J.D. Power, American Express came in first in overall customer satisfaction. For an all-in-one solution towards many of lifes common expenses, the Scotiabank Passport Visa Infinite Card packs quite a punch. Rs. 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. How does this compare to the American Express Platinum card? This content has not been reviewed, approved or otherwise endorsed by any of these entities. Verdict: Once the $200 travel credit is taken into account, the Platinum Cards price point is more favourable. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. For example, Chase Ultimate Rewards,Capital One Miles, Citi ThankYou Rewards, andAmex Membership Rewards each have different transfer partners. Having reliable, timely support is essential for uninterrupted business operations. The Reflex Mastercard is a secured credit card designed for those trying to build or rebuild their credit. The information provided is for informational purposes only and should not be considered financial, tax or legal advice. The RBC Visa Platinum Avion ($120 annual fee) lets you earn 1 RBC Rewards. Why was my car loan removed from credit report? Flights booked directly with the airlines and flights and hotel stays booked directly with Amex Travel earn 5x points. As far as rewards go, youll earn 1x points for every dollar spent in most categories. 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. We take your comments very seriously as they really help us to improve the site. The Visa Platinum is the second tier of the four Visa credit card types. 1X points on spending redeemed at 1.5% of spending if taken as cash back or 2% of spending if redeemed for flights. Ltd. U.S. Bank Altitude Reserve Visa Infinite Card. The one area where the Black Card wins is in luxury extras such as the concierge service it offers. Score: 4.9/5 ( 46 votes ) The Visa Platinum is the second tier of the four Visa credit card types. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. The card awards 3x points for commercial air travel, 2x points for gas and groceries, and 1 point for all other eligible purchases. Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. 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. While on the American Express Aeroplan * Card, you could earn 50,000 points after six months by spending $3,000. With Mastercard and Visa, you will also have a card issuer which is typically a bank. Most users would earn back the $95 annual fee with gained points quite quickly. 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. You must call UBS or contact your UBS Financial Advisor to apply for the card. For more information on our advertisers, see here. Cash back credit cards offer flexibility by giving you several ways to redeem your rewards. For additional information, please review our advertising disclosure. All this with a first-year annual fee rebate! The Chase Sapphire Reserve has an annual fee of $550 and is probably the Platinum cards closest competitor. You might be able to qualify for some with a score in the very high 500s. Highly flexible, transferable, and with a slew of non-travel related rewards, the RBC Avion Visa Infinite offers a lot to those looking for a travel-centric points program. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021. They took it a step further and provided a quick blurb about the cuisine, if a restaurant was card-only, its atmosphere and more. There are plenty of alternatives that provide similar perks for a smaller annual fee. Each of these three concierge services offered something that the others did not, so if you hold multiple premium credit cards and have access to multiple concierge services, I'd encourage you to utilize them all (provided you have ample time to do so). Sign up for our daily newsletter! How does this compare to the American Express Platinum card? Winner: I was beyond impressed with Citi Concierge. 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. It has a $99 annual fee, but the fee is waived for the first 12 months. Here's the rundown. And unlike a secured credit card, you won't have to contribute a security deposit. Visa Infinite represents the most premium offering from the card network, and offers benefits suited to the premium rewards cards that carry the designation. Which is Better Visa Platinum or Visa Infinite? As far as points go, youll get 5x points on flights when you purchase through Chase Ultimate Rewards. Related: Dining out, taking out and ordering in: These are the best cards for foodies. 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. Platinum Card Concierge provided the following information about the metro: Meanwhile, Visa Infinite Concierge provided this information about the metro: Platinum Card Concierge was the only other service to provide information on alternative modes of transportation. 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. Winner: The Amex Platinum takes the lead in this first category, especially if you are targeted for an elevated offer through CardMatch. The Visa Platinum is the second tier of the four Visa credit card types. 4. Meanwhile, Visa Infinite Concierge and Citi Concierge did not acknowledge my request about the must-sees or must-do's. Global customer assistance. 4. In the. 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. AMEX Points vs. Chase Points: Which is Better? This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). 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. 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. So what does that mean for you? Earn 5 reward points for every INR 150 spent on fuel. The content on this site is for informational and educational purposes only and should not be construed as professional financial advice. American Express Gold Card: See Rates and Fees. The fee with the Platinum card is much higher, of course, but if you travel frequently youll make your money back quickly. Terms Apply. American Express has an excellent reputation when it comes to customer service. Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. However, there are two different phone numbers one dedicated for Visa Signature cardholders and another for Visa Infinite cardholders. 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. When comparing all 3 networks, there is 1 main difference between American Express and Mastercard/Visa. Youll also get up to $100 reimbursement on your Global Entry or TSA Precheck purchase when you use your Capital One Venture Rewards card. 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. We'll run a soft credit check to find special offers, but it wont affect your credit score. You must call UBS or contact your UBS Financial Advisor to apply for the card. This is a huge change from 5 years ago when American Express was only accepted at 3.7 million. The "up to" is key here. Theres no traditional welcome bonus offered with this card. Visa Infinite Concierge provided the least amount of information, stating that "COVID-19 restrictions are dependent on your point of origin." Both Visa Paywave and Mastercard Tap & Go work at contactless terminals, as well as mobile wallets. What would happen to China if the U.S. defaulted? WebScotiabank Gold American Express. Global ATM network. There are a few cards that can be counted as competitors to the Platinum card. We may receive compensation when you click on links to those products. Visa Signature Concierge Service. Thats significantly lower than the Amex Platinum offer, though the spending requirement to earn the bonus is also lower. While I could reach Chase's concierge service the fastest, there isn't too much variation here -- certainly not enough to choose one service over another. First introduced overseas, Visa Infinite came to the U.S. around 2016 and remains relatively uncommon. But in terms of comparing eligibility requirements for Visa, Mastercard, and American Express, American Express may be the hardest issuer to qualify for as most cards require applicants to have a good credit score of at least 670 to qualify. 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. There is currently a welcome bonus of 60,000 Ultimate Rewards points after you spend $4,000 in purchases within the first three months. Theres a 50,000 point welcome bonus (worth $750 on travel) when you spend $4,500 in the first 90 days of account opening. Contact: 800-953-7392. At a minimum, it might be a good idea to keep cards with different networks to cover you in all circumstances. While there were so many options to choose from, I appreciated that each description was concise yet informative. On the other hand, I also had a strong hunch that, outside of the fanciest restaurants in the country, there wouldn't be much variation in how well these concierges could lock down a reservation for me. And with the 3x points on restaurants, gas stations, and supermarkets its a nice everyday use card as well. 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. Contact: 800-953-7392. Visa Infinite Concierge divided their answer into two parts. "Visa Infinite" is a package of superpremium benefits available on certain cards that carry the Visa label. If I were a frequent traveler that preferred using American Airlines, Id probably carry both cards in my wallet. As luck would have it, my own laziness created the perfect opening. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. This post contains references to products from one or more of our advertisers. Creating the right "experiment" was tricky here. Each of these credit cards that you apply for has its own set of eligibility requirements related to credit score, credit history, and income levels. 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. If you have lost your Visa card, we can help block your account, send a replacement card and provide emergency cash. The welcome bonus consists of 50,000 American Airlines points when you spend $2,500 in the first three months. Most Visa Platinum cards require a credit score in the 600s. There is a chance that I could receive a follow-up email from them in the near future. TPG also values Ultimate Rewards points at 2 cents each, making this bonus worth $1,200. 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