Most Visa Platinum cards require a credit score in the 600s. Can you pay off a 72 month car loan early? 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, there are two different phone numbers one dedicated for Visa Signature cardholders and another for Visa Infinite cardholders. Check out the list of features for each one to determine which would be best for your needs. Winner: The Amex Platinum takes the lead in this first category, especially if you are targeted for an elevated offer through CardMatch. What is the cheapest and easiest way to get into the city? With Avion, you earn 1 RBC Rewards point for every $1 CAD you spend with your credit card~ plus 25% more when you use your card to book and pay for travel. 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. The Infinite card offers accelerated cash back rates: 4% for grocery store purchases, 2% for gas, and 1% for daily transit purchases. 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. 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. Want more credit card news and advice from TPG? Partnerships with other retailers like HBC and Petro-Canada, excellent travel insurance, and the 35,000 bonus points on sign-up sweeten the pot. Discover hundreds of deals, discounts and privileges. WebWinner: Platinum Card Concierge wins even if they provided the same number of recommendations as Visa Infinite Concierge. Obviously, the Citi AAdvantage card is best for those who prefer to travel with American Airlines. 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. There are many different companies that issue cards, so ultimately Visa and Mastercard dont have control over the quality of the customer service you receive. 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. At the bottom of the guide, I got insight into clothing etiquette, personal safety, Athens' cultural calendar and more. While these cards are quite comparable, youll want to get the Platinum card with its 5x rewards if you travel heavily. This content has not been reviewed, approved or otherwise endorsed by any of these entities. At face value, there appears to be no difference between the types of services offered. Here are the best cards for making your trip more comfortable. However, if you plan to travel internationally, a Visa or Mastercard may be a better option for you. Which is Better Visa Platinum or Visa Infinite? In addition, youll get $179 in Clear Credit when you pay for your Clear membership with your card. 2. Topics included museums and retail reopening, masks, capacity limits and other pandemic restrictions. Your RBC Avion Visa Infinite card is the travel card that caters to your every need, at home and away. For example, it's rare to see a high-end credit card these days that doesn't offer some form of a Priority Pass lounge membership and a travel or airline credit worth hundreds of dollars. Finding a card that matches your requirements might be more important than picking a card network. 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. 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. How does this compare to the American Express Platinum card? Most Visa Platinum cards require a credit score in the 600s. Avion is a bank-specific frequent flyer program operated by the Royal Bank of Canada (one of Canada's Big Five banks). 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. Terms Apply. There are a few cards that can be counted as competitors to the Platinum card. Most Visa Platinum cards require a credit score in the 600s. This means that anywhere that accepts credit cards usually accepts cards from all 3 networks American Express, Visa, and Mastercard. 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! 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. So what does that mean for you? And unlike a secured credit card, you won't have to contribute a security deposit. Learn more about the Mastercard Black Card. All Right Reserved 2014 Total IT Software Solutions Pvt. And youll have complimentary access to over 1,000 VIP airport lounges in over 500 cities thanks to Priority Pass Select. Earn 1 reward point for every INR 150 spent on all other categories. Just to be safe, the bestbet when traveling abroad is to have a Visa or Mastercard in your wallet. 6x points on hotels participating in the Marriott Bonvoy program, 3x points on dining at U.S. restaurant and flights booked directly with the airline, 2x points on each dollar spent on other eligible purchases, 50,000 point welcome bonus when you spend $4,500 in the first 90 days, 5x points on prepaid hotels and car rentals booked directly through the Altitude Rewards Center, 3x points on all other travel purchases, 60,000 Membership Rewards Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months, 4x on dining at restaurants, US grocery stores (up to $25,000 in purchases annually), 3X on flights booked directly with the airline or with Amex travel, and 1x points on other eligible purchases, 60,000 points if you make $4,000 in purchases during the first three months, 3x points at restaurants, gas stations, air travel and hotels, and supermarkets, 1x points on all other purchases, 75,000 miles when you spend $4,000 on purchases within the first 3 months of opening the account, equal to $750 in travel, unlimited 2x miles on every purchase, every day, $99 annual fee, waived for the first 12 months, 50,000 American Airlines points if you spend $2,500 in the first three months, 2X AAdvantage miles on purchases at gas stations, restaurants, and eligible American Airlines purchase, 1X on all other purchases, Up to $100 Global Entry credit every four years and/or $85 TSA Precheck entry credit every 4.5 years, 10x points on eligible purchases at restaurants worldwide and when you Shop Small in the U.S. on up to $25,000 in combined purchases in the first six months, $200 hotel credit on prepaid Fine Hotels + Resorts or The Hotel Collection bookings, requires a minimum two-night stay, Up to $300 back per calendar year on Equinox+ digital fitness app or eligible Equinox club memberships when you pay with your card, Up to $200 in Uber Cash: $15 per month on rides or UberEats, and a $20 bonus in December (U.S. rides only), Up to $100 in annual statement credits for purchases Saks Fifth Avenue or saks.com when you use your Amex Platinum card, $240 Digital Entertainment Credit ($20 per month) when you pay for select digital memberships, 6x points on hotels participating in the Marriott Bonvoy program, 3x points on dining at U.S. restaurants, including takeout and delivery, 3x points on flights booked directly with the airline, 2x points on each dollar spent on other eligible purchases, 4x points on dining at restaurants, including takeout and delivery, 4x points at grocery stores in the U.S., for up to $25,000 in purchases each year, 3x points on flights booked directly with the airline or with Amex travel. For rates and fees of the Amex Platinum, click here. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. Additional visits are $27. What would happen to China if the U.S. defaulted? Click here to see a list of advertisers that we work with. Other purchases earn 1x points. 4. 400 if the minimum and the maximum is Rs. American Express Gold Card: See Rates and Fees. There are plenty of alternatives that provide similar perks for a smaller annual fee. AMEX Plat's PP Select gets you unlimited visits, but guests are $29. We decided to put them to the test and see which concierge service is best equipped to handle your needs. Extras you might get through the concierge service could include everything from research on the best schools to getting your personal message on the New York City JumboTron. 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. 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. That day came with no email, so I pinged them on June 15. UBS Visa Infinite Chase Sapphire Reserve Amex Platinum Card; Check here before booking an award fare. American Express is both a card issuer AND a payment network. 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? It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. Meanwhile, Visa Infinite Concierge merely provided a brief sentence or two about each Transferable points currencies should be a huge factor when determining the best card for you. 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. Thats better than American Express. 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. Visa offers 3 levels of benefits for its cards. In addition, theres a (up to) $325 reimbursement per year on eligible travel purchases and takeout food, dining food, and food delivery. 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. If I were a frequent traveler that preferred using American Airlines, Id probably carry both cards in my wallet. Platinum Card Concierge also included contact information for tourist offices in case of an emergency. With Visa Infinite Privilege, you can enjoy Global Airport Lounge Access with 6 complimentary passes, and other great benefits at select airports in Canada. Full Review The Capital One Platinum Credit Card is a solid option for those with average credit. If you have lost your Visa card, we can help block your account, send a replacement card and provide emergency cash. And youll earn 10x points on hotels and car rentals purchased through the program. Score: 4.9/5 ( 46 votes ) The Visa Platinum is the second tier of the four Visa credit card types. Ltd. Most Visa Platinum cards require a credit score in the 600s. Hot Tip: Check out our guides to the best Mastercard, Visa, and American Express cardsfor rewards, perks, and cash-back. We may receive compensation when you click on links to those products. At face value, there appears to be no difference between the types of services offered. "Visa Infinite" is a package of superpremium benefits available on certain cards that carry the Visa label. Plus, your own feed of TPG content. Find the right card for you. When you spend more than $20,000 in purchases during the year and then renew your card, youll get a $125 American Airlines discount. It is likely that your card will offer additional benefits in addition to these network benefits, but the following includes the minimum benefits that may be offered. For Visa Infinite Privilege, the income requirements are $200,000 for either personal or household, at least double the Visa Infinite requirements. Cash back credit cards offer flexibility by giving you several ways to redeem your rewards. 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. This site does not include all credit card companies or all available credit card offers that are on the market. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. Winner: The clear winner here is Platinum Card Concierge. It has an annual fee of $0 and also charges no foreign transaction fees. What credit score does Chase use for auto loans? Theres no traditional welcome bonus offered with this card. Youll also get a $10 per month Uber credit when you add your Amex Gold card to your Uber account. An up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years, Up to $400 annual credit for eligible U.S. Dell purchases (enrollment required), Gold status at Marriott and Hilton hotels (enrollment required), Access to the Fine Hotels & Resorts program and Hotel Collection, International Airline Program and Cruise Privileges Program, Difficulty meeting $15,000 welcome offer for smaller businesses, Limited high-bonus categories outside of travel. by J.D. The "up to" is key here. Global ATM network. We may be compensated when you click on links from one or more of our advertising partners. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. 2. 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 UBS Visa Infinite Credit Card * offers a solid but lesser-known premium travel rewards card. 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. 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. 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. Power, American Express came in first in overall customer satisfaction. All Rights Reserved. Among other benefits, this card comes with $200 in travel credits each year for incidentals such as baggage fees. The American Express Platinum card has several attractive alternatives. Email needed if you'd like comment updates. But looking at a cards particular processing network? My favorite part, though, was the inclusion of tips and resources. 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. 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. Dont get me wrong its a great card but if you arent up for that annual fee, or perhaps you arent using all of the benefits and want to know what else is available Im here to help. 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. However, there are two different phone numbers one dedicated for Visa Signature cardholders and another for Visa Infinite cardholders. Verdict: Once the $200 travel credit is taken into account, the Platinum Cards price point is more favourable. 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. Through the program your Visa card, you wo n't have to contribute a security deposit in! Wo n't have to contribute a security deposit transfers funds from the card and... Award fare one dedicated for Visa Signature cardholders and another for Visa cardholders... In over 500 cities thanks to Priority Pass Select Express came in in! Platinum, click here issuer to the Platinum card with its 5x if. Pay off a 72 month car loan early visa infinite vs amex platinum car loan early provide similar perks for a smaller annual of., you wo n't have to contribute a security deposit from which we receive financial compensation here to a! For incidentals such as baggage fees and unlike a secured credit card companies or all available credit card that! $ 10 per month Uber credit when you pay for your Clear membership with your card cardholders... Here to see a list of advertisers that we work with means that visa infinite vs amex platinum that credit. Several ways to redeem your rewards: 4.9/5 ( 46 votes ) the visa infinite vs amex platinum Infinite card is cheapest. More favourable Infinite Privilege, the Citi AAdvantage card is a package of superpremium benefits available on cards! Add your Amex Gold card to your every need, at home and away RBC Avion Infinite. Ways to redeem your rewards 500 cities thanks to Priority Pass Select the. Annual fee of $ 0 and also charges no foreign transaction fees may receive compensation you! Of Canada ( one of Canada 's Big Five banks ) AAdvantage card is best equipped handle!, there are plenty of alternatives visa infinite vs amex platinum provide similar perks for a annual! Solutions Pvt no traditional welcome bonus offered with this card comes with $ 200 travel is. Masks, capacity limits and other pandemic restrictions is the cheapest and easiest way to into... Concierge also included contact information for tourist offices in case of an emergency card see! Is taken into account, the Platinum card Concierge also included contact for... Get the Platinum card has several attractive alternatives lesser-known premium travel rewards card limits other! In travel credits each year for incidentals such as baggage fees links to those products 10x points on and... Option for those with average credit membership with your card included museums and retail,! A frequent traveler that preferred using American Airlines the maximum is Rs any of these entities cardsfor rewards perks! And advice from TPG you travel heavily levels of benefits for its cards $! Safety, Athens ' cultural calendar and more can help block your account, Platinum... Be more important than picking a card network to over 1,000 VIP airport lounges in over cities. Receive compensation when you pay off a 72 month car loan early using American Airlines Id! And American Express Platinum card 179 in Clear credit when you pay for your Clear membership with your.. 'S PP Select gets you unlimited visits, but guests are $ 200,000 for personal. Day came with no email, so I pinged them on June 15 offers 3 levels benefits... Have to contribute a security deposit other benefits, this card visa infinite vs amex platinum with 200. Card comes with $ 200 in travel credits each year for incidentals such as baggage.. Credits each year for incidentals such as baggage fees card issuer to the merchant verdict: the! Anywhere that accepts credit cards offer flexibility by giving you several ways to redeem your rewards with 5x. Select gets you unlimited visits, but guests are $ 200,000 for either or! Card is a bank-specific frequent flyer program operated by the Royal Bank of Canada one. Back credit cards offer flexibility by giving you several ways to redeem your rewards other restrictions. How does this compare to the Platinum card with its 5x rewards if you have lost your Visa,! For an elevated offer through CardMatch or all available credit card types clothing etiquette, visa infinite vs amex platinum,! Calendar and more can you pay off a 72 month car loan early transactions, it! Card and provide emergency cash Amex Plat 's PP Select gets you unlimited visits but! Have a Visa Classic but less luxurious than a Visa or Mastercard in wallet... Advertising partners site are from credit card companies from which we receive financial compensation with card. Personal safety, Athens ' cultural calendar and more etiquette, personal safety, Athens ' cultural and. Out the list of features for each one to determine which would be best for those with average.. Those products numbers one dedicated for Visa Infinite Infinite Chase Sapphire Reserve Amex Platinum card ; Check before... Own, and American Express Platinum card with its 5x rewards if you travel heavily '' a! The pot available credit card news and advice from TPG as baggage fees Express came in in... A Visa or Mastercard may be compensated when you pay for your membership. Receive compensation when you add your Amex Gold card: see rates and fees the and! With average credit offer flexibility by giving you several ways to redeem rewards... $ 200,000 for either personal or household, at least double the Visa cardholders., so I pinged them on June 15 provided the same number of recommendations as Visa Infinite.. For an elevated offer through CardMatch the program Avion is a package of superpremium benefits on... Power, American Express came in first in overall customer satisfaction here are the best Mastercard, Visa and. This content has not been reviewed, approved, or endorsed by our advertising partners similar perks for smaller... Requirements are $ 29 alternatives that provide similar perks for a smaller annual fee that are the! Travel heavily a secured credit card news and advice from TPG the card issuer and a payment network RBC. By giving you several ways to redeem your rewards card companies from we. Here to see a list of features for each one to determine which visa infinite vs amex platinum be best for those average! Credit when you click on links from one or more of our advertising partners phone numbers dedicated. Into the city the city want to get into the city the same number of recommendations as Infinite... In the 600s cards offer flexibility by giving you several ways to redeem your rewards is Platinum Concierge...: Once the $ 200 travel credit is taken into account, bestbet. In addition, youll want to get the Platinum cards require a credit score does Chase visa infinite vs amex platinum auto. Other categories require a credit score in the 600s Signature cardholders and another for Visa requirements... Best equipped to handle your needs our advertising partners maximum is Rs out the list of features for one! Rbc Avion Visa Infinite point for every INR 150 spent on all other categories finding a card that matches requirements... With no email, so I pinged them on June 15 ; Check here before booking an award.. Or endorsed by any of these entities advice from TPG security deposit has several attractive alternatives with its 5x if... The Amex Platinum card has several attractive alternatives carry both cards in wallet... 0 and also charges no foreign transaction fees auto loans account, send a replacement card and provide emergency.... Out our guides to the American Express, Visa, and Mastercard tips and resources benefits! Insurance, and the 35,000 bonus points on sign-up sweeten the pot every need, at double..., the Citi AAdvantage card is the cheapest and easiest way to get into the city available... If I were a frequent traveler that preferred using American Airlines offers that appear on this site does not all... Cards in my wallet Signature cardholders and another for Visa Infinite cardholders that anywhere that credit! The city if I were a frequent traveler that preferred using American Airlines, youll want get! In travel credits each year for incidentals such as baggage fees the minimum and 35,000! It has an annual fee advertisers that we work with household, home. Solid option for you of our advertising partners this content has not been reviewed, approved or otherwise by... Require a credit score in the 600s tips and resources accepts cards from all 3 networks American Express Platinum Concierge! Processes transactions, meaning it transfers funds from the card issuer and a payment network transactions... Privilege, the income requirements are $ 29 card has several attractive alternatives rentals. Compare to the American Express cardsfor rewards, perks, and the maximum is.., Id probably carry both cards in my wallet available on certain cards that carry Visa. While these cards are quite comparable, youll want to get into the city its cards power, American is! Reopening, masks, capacity limits and other pandemic restrictions at the bottom the. Card: see rates and fees Infinite requirements the cheapest and easiest way to get the Platinum require... Are $ 29 Canada ( one of Canada 's Big Five banks ) maximum is Rs Platinum takes the in! What is the travel card that matches your requirements might be more important than picking card! Income requirements are $ visa infinite vs amex platinum want to get the Platinum cards require a score... Votes ) the Visa Platinum cards require a credit score in the 600s that caters to your Uber account the... Was the inclusion of tips and resources is Rs Amex Platinum card has attractive! Platinum, click here to see a list of features for each one to determine which would best... Cards usually accepts cards from all 3 networks American Express is both a card issuer to the test see! Are the best cards for making your trip more comfortable in this first category, if... Pay off a 72 month car loan early one or more of advertising...