The biggest difference between Visa Infinite and Visa Infinite Privilege is the amount of benefits you'll receive. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, given that it's been almost two weeks since my initial request, it's unlikely that I'll hear back. TPG also values Ultimate Rewards points at 2 cents each, making this bonus worth $1,200. Can you pay off a 72 month car loan early? It has a welcome bonus of 60,000 points when you make $4,000 in purchases during the first three months. For example, if youre hoping to use your points to get a flight on AerLingus, youd want to go with a card that can get you Amex Membership Rewards or Chase Ultimate Rewards. The same thing goes for travel itineraries unless you're going to a remote island in a far corner of the world, all concierges should have access to the same flight options for you. Amex Platinums fee is higher, but you also get 40,000 more points with 2,000 more in purchases. 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. If you travel somewhat frequently this could be a good card for you. In addition, Mastercard is accepted inover 200 countries and territories throughout the world. How can I pay my mortgage off without refinancing? Most Visa Platinum cards require a credit score in the 600s. 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. It will NOT be published. 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. The annual fee is $400 per year and includes some attractive benefits that are fairly competitive. And youll earn unlimited 2x miles on every purchase, every day. 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. Where would you recommend I eat in order to experience authentic and local cuisine? "Visa Infinite" is a package of superpremium benefits available on certain cards that carry the Visa label. Management Consulting Company. Theres no lounge access, credits for designated retail purchases, or access to features like early check-in at higher end hotels. American Express AeroplanPlus Theres a 50,000 point welcome bonus (worth $750 on travel) when you spend $4,500 in the first 90 days of account opening. At the bottom of the guide, I got insight into clothing etiquette, personal safety, Athens' cultural calendar and more. 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. Youll also get a $300 statement credit for eligible purchases at hotels participating in the Marriott Bonvoy program. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. 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. Meanwhile, Visa Infinite Concierge merely provided a brief sentence or two about each 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. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. Thats significantly lower than the Amex Platinum offer, though the spending requirement to earn the bonus is also lower. The card details on this page have not been reviewed or provided by the card issuer. If you're overwhelmed, you can even select from the many tour companies they hand-picked to help delegate your trip planning. You won't earn rewards with the U.S. Bank Visa Platinum Card. 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. As you can see, the high fee is quickly offset by a host of benefits. 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. Check here before booking an award fare. 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. The card issuer is the one that actually extends credit to consumers. You might be able to qualify for some with a score in the very high 500s. 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. Youll also get a complimentary 12-month Priority Pass Select membership that gives you access to over 1,300 VIP lounges. Banks and other card issuers can set these levels independently and arent as stringent with their requirements. At face value, there appears to be no difference between the types of services offered. The Chase Sapphire Preferred Card is a Visa Signature card, for example, and the Chase Sapphire Reserve is a Visa Infinite card (a tier above Signature). However, if youre looking for a solid rewards card for middle class travel and not high-end travel, the Venture Rewards card might be a good choice for you. Visa Platinum Visa Platinum is a card full of potential, with higher spending limits and greater purchasing power. My upcoming itinerary to Italy included a 12-hour layover at Athens International Airport (ATH), and I was 100% committed to getting out of the airport and exploring the city a bit since Greece has recently reopened to travelers. The Infinite card offers accelerated cash back rates: 4% for grocery store purchases, 2% for gas, and 1% for daily transit purchases. Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. Since Visa and Mastercard are only payment networks, you will find different card issuers for each card. 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. Editors note: This post has been updated with new information. WebScotiabank Gold American Express. You might be able to qualify for some with a score in the very high 500s. Here's the rundown. Want more credit card news and advice from TPG? Now, work has her living in San Diego with her husband, daughter, and yellow lab. Rewards points are distributed as follows: Youll also get the option to enroll in Priority Pass Select, which gives you access to over 1200 airport lounges in over 130 countries. The others include The Ritz-Carlton Rewards Credit Card (no longer open to applications), Visa Infinite gives you access to a number of credit card benefits that may not typically be included on your credit card. With the TD Aeroplan Visa Infinite* Card, you could earn 40,000 points after six months by spending $5,000. You must call UBS or contact your UBS Financial Advisor to apply for the card. Global customer assistance. Thats better than American Express. The Mastercard Black Card disappoints in that it doesnt offer any welcome bonuses. Among other benefits, this card comes with $200 in travel credits each year for incidentals such as baggage fees. 2. We can create a custom cross-platform; web-based one build for every device solution. Many of the Visa Infinite perks offer higher levels of protection compared to the Visa Signature version of the benefits. Visa and Mastercard have traditionally been the main contenders with acceptance at 10.7 million U.S. retailers. The Citi Premier Card is one option, and it comes with a $95 annual fee. The main difference between American Express and Visa is that American Express is both a card issuer and a payment network. I could see how useful consulting a concierge service is, especially regarding the ever-changing requirements for vaccinated travelers and international travel. What is the cheapest and easiest way to get into the city? 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. 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. 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. What is the difference between Visa Avion Infinite and Platinum? 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. Youll get the following additional benefits with your Amex Platinum card as well. Marriott Bonvoy Brilliant American Express Card: See Rates and Fees. Most Visa Platinum cards require a credit score in the 600s. Cash back credit cards offer flexibility by giving you several ways to redeem your rewards. Youll get a $100 annual credit on any single hotel stay costing $500 or more when paid for with your Citi Premier card. You might be able to qualify for some with a score in the very high 500s. In addition, theres a (up to) $325 reimbursement per year on eligible travel purchases and takeout food, dining food, and food delivery. appeared in the New York Times, Baltimore Sun, Entrepreneur, and Marketplace Money, 80,000 Membership Rewards points after you spend $6,000 in purchases within your first six months, 5X points flights booked directly with the airlines and hotels booked with Amex Travel, 1X on everything else, 60,000 Ultimate Rewards points after you spend $4,000 in purchases within the first three months. Why was my car loan removed from credit report? The Global Lounge Collection membership gives you access to over 1,300 lounges in over 500 airports, and 140 countries around the world. American Express is both a card issuer AND a payment network. Youll also get up to $100 reimbursement on your Global Entry or TSA Precheck purchase when you use your Capital One Venture Rewards card. There are plenty of alternatives that provide similar perks for a smaller annual fee. 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. Offers. 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. $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. For Visa Infinite Privilege, the income requirements are $200,000 for either personal or household, at least double the Visa Infinite requirements. The Chase Sapphire Reserve has an annual fee of $550 and is probably the Platinum cards closest competitor. Members are also eligible for preferred seating for select cultural and sporting events when paying with the Amex Gold card. However, if youd rather have more flexibility in where you stay, or if you dont use hotels often, youre likely better off with a general rewards card like the Amex Platinum. Here's the info I received: Surprisingly enough, Citi Concierge did not acknowledge my transportation request question -- which is even more unfortunate since the service took the longest to respond to my request. Finding a card that matches your requirements might be more important than picking a card network. For instance, the Chase Sapphire Preferred Credit Card, which has a $95 fee, is a Visa Signature card; the Chase Sapphire Reserve Card, with a $550 fee, is a Visa Infinite card. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. And youll get 50% more value when you redeem your rewards through the Ultimate Rewards program. U.S. Bank Altitude Reserve Visa Infinite Card. Another important factor to consider when comparing networks is how widely accepted it is. Related: Dining out, taking out and ordering in: These are the best cards for foodies. 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. To see the rates and fees for the American Express cards featured, please visit the following links: Platinum Card from American Express: See Rates and Fees. 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. 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. Other benefits include Global Entry or TSA Precheck credit of up to $100 every four years. Jim Wang is a forty-something father of four who is a frequent contributor to Forbes and Vanguard's Blog. With the TD Aeroplan Visa Infinite* Card, you could earn 40,000 points after six months by spending $5,000. The content on this site is for informational and educational purposes only and should not be construed as professional financial advice. by J.D. And with the 3x points on restaurants, gas stations, and supermarkets its a nice everyday use card as well. 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. Flights booked directly with the airlines and flights and hotel stays booked directly with Amex Travel earn 5x points. 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. 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. 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. Chase pays more for restaurants (after your six month 10x rewards with Amex expires). The welcome bonus consists of 50,000 American Airlines points when you spend $2,500 in the first three months. Visa Signature Concierge Service. You might be able to qualify for some with a score in the very high 500s. We will provide you the secure enterprise solutions with integrated backend systems. What matters is how long it took for each concierge service to complete my full request. 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. Offers. Check out ourTransfer Partner Tool Calculatorto help you easily sort through the best options. American Express Gold Card: See Rates and Fees. How does this compare to the American Express Platinum card? How does this compare to the American Express Platinum card? Platinum cards also charge higher annual fees than gold cards offered by the same provider, and offer more perks. Designed to help you build credit, the Indigo Platinum Mastercard discloses your annual fee and APR before you apply. in Computer Science and Economics from Carnegie Mellon University, an M.S. 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. You might be able to qualify for some with a score in the very high 500s. 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. The Capital One Venture Rewards Card offers several great travel benefits with only an annual fee of $95. 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. They took it a step further and provided a quick blurb about the cuisine, if a restaurant was card-only, its atmosphere and more. UBS Visa Infinite Chase Sapphire Reserve Amex Platinum Card; Earn 1 reward point for every INR 150 spent on all other categories. 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. The Visa Platinum is the second tier of the four Visa credit card types. 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. If you want a card specific to the hotel or airline you frequently use, you might be restricted to certain networks. This means that virtually anywhere that accepts credit cards will accept Mastercard. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. 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. If you travel often, like luxury travel benefits such as concierge services, and would benefit from the bonus points for travel, get the 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. This card is geared for clients who like to fly American Airlines. It has also done well consistently year over year. All this with a first-year annual fee rebate! Jim has a B.S. The information provided is for informational purposes only and should not be considered financial, tax or legal advice. Winner: Platinum Card Concierge wins even if they provided the same number of recommendations as Visa Infinite Concierge. Where can I store my luggage (carry-on and backpack) at ATH? While this is great for simple requests like restaurant reservations, I wanted to speak to a human for a more complicated request. Therefore, the TD Aeroplan Visa Infinite* Card sweeps this category strictly for its point value in terms of a travel card. Hot Tip: Check out our guides to the best Mastercard, Visa, and American Express cardsfor rewards, perks, and cash-back. 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. Email needed if you'd like comment updates. 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. Other benefits include 24/7 Global Assist Hotline access and no foreign transaction fees when traveling abroad. Youll also get a $10 per month Uber credit when you add your Amex Gold card to your Uber account. We take your comments very seriously as they really help us to improve the site. 6. AMEX Plat's PP Select gets you unlimited visits, but guests are $29. In this Indigo Platinum Mastercard review, I cover the card's features, including the positives and negatives, and share some Indigo Mastercard alternatives. Get cash when you need it. These high-end credit cards are available only to people who receive an invitation to apply, which millionaires have the best chance of getting. Winner: Platinum Card Concierge knocked it out of the park with a reasonable phone hold time (just 14 minutes) and my full request was fulfilled within five days! 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. 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. 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. The most recent comparative post was: AMEX vs. CIBC vs. TD Aeroplan Platinum/Privilege Cards. That means your 60,000 points could be worth $900 instead of $600. A credit score of 700 and above is considered as ideal. See our Advertiser Disclosurefor more details. The Citi Premier card is a nice card for infrequent or domestic travelers not interested in luxury benefits. This site does not include all credit card companies or all available credit card offers. Its probably not even on your radar! Amex sourced its information from the travel website Frommers, which emphasized that public transportation is the best option in Athens -- especially the Metro, since buses can get stuck in rush hour traffic. Ltd. Most Visa Platinum cards require a credit score in the 600s. Card Rating is based on the opinion of TPGs editors and is not influenced by the card issuer. U.S. Bank Altitude Reserve Visa Infinite Card, 8. Out of all the concierge services, Citi Concierge provided the most in-depth information about COVID-19 procedures and entry requirements for vaccinated travelers in Greece, providing FAQs and information about the following: When it came to coronavirus-related information, the next-best service was Platinum Card Concierge, providing information directly from the U.S. Embassy website. And youll earn 2x AAdvantage miles for every eligible American Airlines purchase. When you use your card, the card issuer pays for the transaction upfront and gets reimbursed once you pay off your bill each month. Reflex Mastercard Review: Better Credit for a Price. Get 5X Membership Rewards points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases. Discover hundreds of deals, discounts and privileges. International, land and ferry travel requirements. 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. Additional visits are $27. As far as points go, youll get 5x points on flights when you purchase through Chase Ultimate Rewards. 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. And unlike a secured credit card, you won't have to contribute a security deposit. Christy was born in St. Louis, Missouri, but lived in Texas for the majority of her life. When you spend more than $20,000 in purchases during the year and then renew your card, youll get a $125 American Airlines discount. What Is Your Credit Score, How Does It Work & Why Is It Important? 2. Therefore, you will get more points with it than with the 1.5 points of the TD card. Instead, youd contact the credit card company that issued the card, like Bank of America, Chase, etc. Visa is only a payment network and has cards issued by other banks, like Chase, Bank of America, etc. As mentioned, the annual fee for the Amex Platinum card is $695. His approach to personal finance is that of an engineer, breaking down complex subjects into bite-sized easily understood concepts that you can use in your daily life. The annual fee is $650 per year. Credit cards branded Visa Signature or Visa Infinite typically offer a starting credit limit of $5,000 or more. 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