Lets start by recapping what benefits the Platinum Card by American Express has to offer as well as what it will cost you. This is especially true if you like to travel frequently and enjoy the finer things in terms of dining, accommodations, and other travel expenses. How do credit cards make money if you don't pay interest? It has also done well consistently year over year. Discover hundreds of deals, discounts and privileges. 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. TPG also values Ultimate Rewards points at 2 cents each, making this bonus worth $1,200. And youll have complimentary access to over 1,000 VIP airport lounges in over 500 cities thanks to Priority Pass Select. A credit score of 700 and above is considered as ideal. Most users would earn back the $95 annual fee with gained points quite quickly. Thats better than American Express. American Express processes transactions for both its own American Express cards and cards from other issuers that use the American Express network. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. American Express AeroplanPlus The Infinite card offers accelerated cash back rates: 4% for grocery store purchases, 2% for gas, and 1% for daily transit purchases. You might be able to qualify for some with a score in the very high 500s. If youre a heavy traveler, youll want the Platinum card. Meanwhile, Visa Infinite Concierge merely provided a brief sentence or two about each You might be able to qualify for some with a score in the very high 500s. What are the rewards on the U.S. Bank Platinum card? The "up to" is key here. 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. In addition, theres a (up to) $325 reimbursement per year on eligible travel purchases and takeout food, dining food, and food delivery. 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. The U.S. Bank Altitude Reserve Card offers several great travel benefits and a lower annual fee. 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. 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. U.S. Bank Altitude Reserve Visa Infinite Card. If I were a frequent traveler that preferred using American Airlines, Id probably carry both cards in my wallet. 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). Chase pays more for restaurants (after your six month 10x rewards with Amex expires). Jan 28, 2022. Please view our advertising policy page for more information. 6. These high-end credit cards are available only to people who receive an invitation to apply, which millionaires have the best chance of getting. 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. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). 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. Opinions expressed here are the author's alone, not those of any bank or financial institution. But it comes with cell phone insurance, a minor perk. We may receive compensation when you click on links to those products. 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. However, if youre an infrequent traveler or if you mostly travel domestically, youll probably do just fine with the Citi Premier card. 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. Check out the list of features for each one to determine which would be best for your needs. What Is Your Credit Score, How Does It Work & Why Is It Important? 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. When you are issued an American Express card, you will only deal with American Express. This site and CardRatings may receive a commission from card issuers. These points can be redeemed for travel through UBS's own portal. The credit applies to both Uber rides and UberEats purchases. A payment network processes transactions, meaning it transfers funds from the card issuer to the merchant. I could see how useful consulting a concierge service is, especially regarding the ever-changing requirements for vaccinated travelers and international travel. And theres no cap to the number of AAdvantage miles you can earn. There are a host of benefits geared toward taking your stay at Marriott properties to the next level. The Visa Platinum is the second tier of the four Visa credit card types. All credit bureaus in India offer a credit score between 300-900, 900 being the highest. Global customer assistance. And youll earn 10x points on hotels and car rentals purchased through the program. All three concierge services suggested the same luggage storage at ATH: Care4Bag. They also offer financial planning, such as a Retirement Planning Tool that can tell you if you're on track to retire when you want. For more information on our advertisers, see here. After that, she knew that she was destined to travel as much as possible. Youll earn 2x AAdvantage miles for every $1 spent at gas stations and restaurants. Visa Infinite vs. An Avion credit card lets you earn RBC points wherever you shop and has a more flexible redemption schedule than other frequent flyer programs. Editors note: This post has been updated with new information. Click here to see a list of advertisers that we work with. 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.. Earn 5 reward points for every INR 150 spent on fuel. While there were so many options to choose from, I appreciated that each description was concise yet informative. Thats better than American Express. Editorial disclaimer: 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. 4. 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. 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. Let's start with the options that Platinum Card Concierge provided. First introduced overseas, Visa Infinite came to the U.S. around 2016 and remains relatively uncommon. He is also diversifying his investment portfolio by adding a little bit of real estate. 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. Two of the most popular credit card families are AMEX and Chase, and both are known for their reward points. Her first international travel experience was for a summer study abroad program in Italy. 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. Both Visa Paywave and Mastercard Tap & Go work at contactless terminals, as well as mobile wallets. Winner: I was beyond impressed with Citi Concierge. You might be able to qualify for some with a score in the very high 500s. Some networks are more widely accepted, some offer better customer service, and others might be the best choice if you have less than stellar credit. I cover all of this and more in this Reflex Mastercard review. The welcome bonus consists of 50,000 American Airlines points when you spend $2,500 in the first three months. Additional visits are $27. Power, American Express came in first in overall customer satisfaction. If you have lost your Visa card, we can help block your account, send a replacement card and provide emergency cash. The Platinum Card from American Express. WebScotiabank Gold American Express. 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. And youll get 50% more value when you redeem your rewards through the Ultimate Rewards program. 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. Contact: 800-953-7392. The Visa Platinum is the second tier of the four Visa credit card types. All this with a first-year annual fee rebate! Where would you recommend I eat in order to experience authentic and local cuisine? Score: 4.9/5 ( 46 votes ) The Visa Platinum is the second tier of the four Visa credit card types. 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. The Visa Platinum is the second tier of the four Visa credit card types. When you use your card, the card issuer pays for the transaction upfront and gets reimbursed once you pay off your bill each month. They took it a step further and provided a quick blurb about the cuisine, if a restaurant was card-only, its atmosphere and more. 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