What percent of income should go to mortgage? Cash back credit cards offer flexibility by giving you several ways to redeem your rewards. Youll also get up to $100 reimbursement on your Global Entry or TSA Precheck purchase when you use your Capital One Venture Rewards card. 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! Lets start by recapping what benefits the Platinum Card by American Express has to offer as well as what it will cost you. 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. Our points-obsessed staff uses a plethora of credit cards on a daily basis. 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). For Visa Infinite Privilege, the income requirements are $200,000 for either personal or household, at least double the Visa Infinite requirements. Visa is only a payment network and has cards issued by other banks, like Chase, Bank of America, etc. 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. Thats better than American Express. The Visa Platinum is the second tier of the four Visa credit card types. Here are the best cards for making your trip more comfortable. 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. Mastercard is accepted at 99% of retailers in the U.S. What Is Your Credit Score, How Does It Work & Why Is It Important? The Platinum card gets you double the welcome points for less than twice the annual fee, however. The Visa Platinum is the second tier of the four Visa credit card types. 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. You can redeem your rewards for any purchase when you use PayPal to check out. Your status as a cardmember gets you a 25% discount on inflight food and drinks as well. To find out, I've compared the two credit card giants using five criteria. U.S. Bank Altitude Reserve Visa Infinite Card. Finding a PCR test to return to the traveler's home country. However, out of the three concierge services, Visa Infinite Concierge serviced my request best as it did something the others failed to do -- offer a pricing estimate. Visa Infinite Concierge provided the least amount of information, stating that "COVID-19 restrictions are dependent on your point of origin." There are plenty of alternatives that provide similar perks for a smaller annual fee. Jim has a B.S. 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. As luck would have it, my own laziness created the perfect opening. AMEX Plat's PP Select gets you unlimited visits, but guests are $29. The card details on this page have not been reviewed or provided by the card issuer. However, there are two different phone numbers one dedicated for Visa Signature cardholders and another for Visa Infinite cardholders. 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. This site does not include all credit card companies or all available credit card offers. All three concierge services provided excellent restaurant recommendations with all the necessary information (address, hours, phone number and type of cuisine). The information regarding the Capital One Walmart Rewards card, and Macys Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. These high-end credit cards are available only to people who receive an invitation to apply, which millionaires have the best chance of getting. For an all-in-one solution towards many of lifes common expenses, the Scotiabank Passport Visa Infinite Card packs quite a punch. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. The Infinite card offers accelerated cash back rates: 4% for grocery store purchases, 2% for gas, and 1% for daily transit purchases. This site does not include all credit card companies or all available credit card offers that are on the market. The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. The Gold Card is especially beneficial if you dine at restaurants or order takeout meals frequently. For a Visa Infinite credit card, in order to qualify, you need an income of at least $60,000 personal or $100,000 household. The U.S. Bank Altitude Reserve Card offers several great travel benefits and a lower annual fee. How does this compare to the American Express Platinum card? 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. Credit limits tend to be lower for those with average credit, so access to a higher credit line could be beneficial for your credit score and wallet. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. However, if you plan to travel internationally, a Visa or Mastercard may be a better option for you. Points earnings as a whole are better with the Platinum card. Youll also get a $300 annual travel credit and $120 in partner benefits, which rotate often and include Peloton as of this writing. With Visa Infinite Privilege, you can enjoy Global Airport Lounge Access with 6 complimentary passes, and other great benefits at select airports in Canada. How Do You Choose Between American Express, Visa & Mastercard? 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. The Platinum Card from American Express. With the TD Aeroplan Visa Infinite* Card, you could earn 40,000 points after six months by spending $5,000. It has also done well consistently year over year. 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. 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. The American Express Platinum card has several attractive alternatives. And youll earn unlimited 2x miles on every purchase, every day. It's free. The most recent comparative post was: AMEX vs. CIBC vs. TD Aeroplan Platinum/Privilege Cards. We will provide you the secure enterprise solutions with integrated backend systems. Upgraded Points, LLC uses reasonable efforts to maintain accurate information on the site and prior to applying for any credit card offers found on UpgradedPoints.com, all visitors should review other features of such credit cards including but not limited to interest rates, annual fees and transaction fees, and should determine the suitability of such credit cards considering their own individual financial position. To put it simply, the more merchants that accept your card, the better the cards network. This site does not include all credit card companies or all available credit card offers. 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. The credit applies to both Uber rides and UberEats purchases. Please consult with a licensed financial or tax advisor before making any decisions based on the information you see here. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. No responsibility will be taken by the bank advertiser for these comments. The Citi Premier card is a nice card for infrequent or domestic travelers not interested in luxury benefits. 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. I did receive information about the suburban railroad as another option into the city. There are no foreign transaction fees with the Citi Premier card, but other than that you wont find much in the way of additional travel benefits such as Global Entry or TSA Precheck credits or access to airport lounges. You can use 25,000 points for a flight worth up to $350 or 50,000 points for a flight worth up to $900. These additional items might include things like Global Entry statement credits, additional travel insurance coverage, increased warranty protection, and access to special events, among others. How do credit cards make money if you don't pay interest? 8.945 trillion (4.890 credit, 4.055 debit), 4.767 trillion (3.015 credit, 1.752 debit), Mastercard doesnt set APRs, fees, or rewards, PIN debit card transactions (if processed by Visa), PIN debit card transactions (if processed by Mastercard), 3 free years of Shipt (enroll by December 31, 2024), Mastercard Luxury Hotel & Resorts Portfolio, Trip cancellation and interruption insurance. 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. The annual fee is $400 per year and includes some attractive benefits that are fairly competitive. All Right Reserved 2014 Total IT Software Solutions Pvt. Thats significantly lower than the Amex Platinum offer, though the spending requirement to earn the bonus is also lower. 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. Verdict: Once the $200 travel credit is taken into account, the Platinum Cards price point is more favourable. American Express has an excellent reputation when it comes to customer service. Check out ourTransfer Partner Tool Calculatorto help you easily sort through the best options. WebWinner: Platinum Card Concierge wins even if they provided the same number of recommendations as Visa Infinite Concierge. Plus, RBC Rewards points don't expire1, so you can use your points where and when it's right for you. Most Visa Platinum cards require a credit score in the 600s. 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. How much income do I need for a 800k mortgage? Therefore, you will get more points with it than with the 1.5 points of the TD card. We take your comments very seriously as they really help us to improve the site. 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. 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. 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. It seemed like this concierge service knew everything there was to know about coronavirus protocols in Greece, including hard-to-find information about boat travel restrictions and finding a PCR test to return to your home country. 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. 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. 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. At a minimum, it might be a good idea to keep cards with different networks to cover you in all circumstances. This site and CardRatings may receive a commission from card issuers. 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. Contact: 800-953-7392. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. Today, I will be comparing the American Express AeroplanPlus Platinum Card, CIBC Aerogold Visa Infinite Privilege and TD Aeroplan Visa Infinite Privilege Card. Avion is a bank-specific frequent flyer program operated by the Royal Bank of Canada (one of Canada's Big Five banks). 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; 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. 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. 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. While on the American Express Aeroplan * Card, you could earn 50,000 points after six months by spending $3,000. The UBS Visa Infinite Credit Card * offers a solid but lesser-known premium travel rewards card. Most Visa Platinum cards require a credit score in the 600s. In contrast, many cards offered by Visa and Mastercard only require a fair credit rating of 630. At face value, there appears to be no difference between the types of services offered. Let's start with the options that Platinum Card Concierge provided. They provided tons of options that made me want to turn my layover into a full-blown trip to Athens. 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. Platinum cards also charge higher annual fees than gold cards offered by the same provider, and offer more perks. 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. WebWinner: Platinum Card Concierge wins even if they provided the same number of recommendations as Visa Infinite Concierge. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). by J.D. Visa Infinite represents the most premium offering from the card network, and offers benefits suited to the premium rewards cards that carry the designation. Meanwhile, Visa Infinite Concierge merely provided a brief sentence or two about each What percent of income should go to mortgage? Putting this all together, there are a few important items to consider when deciding between these 3 major credit card networks. Banks and other card issuers can set these levels independently and arent as stringent with their requirements. WebScotiabank Gold American Express. The information for the Citi Prestige has been collected independently by The Points Guy. Partnerships with other retailers like HBC and Petro-Canada, excellent travel insurance, and the 35,000 bonus points on sign-up sweeten the pot. 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. I cover all of this and more in this Reflex Mastercard review. You must call UBS or contact your UBS Financial Advisor to apply for the card. While these cards are quite comparable, youll want to get the Platinum card with its 5x rewards if you travel heavily. Almost all Canadian credit cards impose a hefty 2.5% foreign transaction fee on purchases made in currencies other than the Canadian dollar. 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. No Foreign Transaction Fees. However, there are two different phone numbers one dedicated for Visa Signature cardholders and another for Visa Infinite cardholders. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. 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. Travel accident insurance and 24/7 travel assistance services are included as well. What are the current COVID-19 restrictions and regulations to be wary of? 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. It was a close race, but I did manage to come up with a winner. For more information on our advertisers, see here. Alliant Cashback Visa Signature Credit Card. The Mastercard Black Card disappoints in that it doesnt offer any welcome bonuses. is more important than choosing based on the credit cards network. All other purchases will get 1x AAdvantage miles for every $1 spent. 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. But looking at a cards particular processing network? Earn 1 reward point for every INR 150 spent on all other categories. UBS Visa Infinite Chase Sapphire Reserve Amex Platinum Card; Specific benefits for American Express vary by card, but some common benefits offered include things like: Hot Tip: It is important to reference the benefits for your specific card to get a full picture of all of the benefits your card provides. Thats significantly lower than the Amex Platinum offer, though the spending requirement to earn the bonus is also lower. And unlike a secured credit card, you won't have to contribute a security deposit. 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. Where can I store my luggage (carry-on and backpack) at ATH? Its probably not even on your radar! Most Visa Platinum cards require a credit score in the 600s. The 2% redemption value on airfare with the Black Card is nice, but the Platinum card 5x points on airfare purchases edges the Black Card out. We briefly discussed the benefits above, but you need to decide what you are looking to get back from a credit card. 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. There are also some lounges that you can access via the Plat directly, like Delta SkyClubs. These points can be redeemed for travel through UBS's own portal. Flights booked directly with the airlines and flights and hotel stays booked directly with Amex Travel earn 5x points. How does this compare to the American Express Platinum card? Score: 4.9/5 ( 46 votes ) The Visa Platinum is the second tier of the four Visa credit card types. 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. 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. You might be able to qualify for some with a score in the very high 500s. Heavy travelers, however, will likely prefer the Platinum card. Full Review The Capital One Platinum Credit Card is a solid option for those with average credit. 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). Most Visa Platinum cards require a credit score in the 600s. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). 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. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. WebScotiabank Gold American Express. 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. How does this compare to the American Express Platinum card? But which is the better of the two? 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. A payment network processes transactions, meaning it transfers funds from the card issuer to the merchant. Having reliable, timely support is essential for uninterrupted business operations. The Capital One Venture Rewards Card offers several great travel benefits with only an annual fee of $95. Thats better than American Express. The Visa Platinum is the second tier of the four Visa credit card types. What matters is how long it took for each concierge service to complete my full request. Most Visa Platinum cards require a credit score in the 600s. When it comes to premium travel credit cards, the Platinum Card by American Express is one of the most well known and one of the best. 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. Reflex Mastercard Review: Better Credit for a Price. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. This post contains references to products from one or more of our advertisers. The Infinite card offers accelerated cash back rates: 4% for grocery store purchases, 2% for gas, and 1% for daily transit purchases. TPG also values Ultimate Rewards points at 2 cents each, making this bonus worth $1,200. Get cash when you need it. Click here to see a list of advertisers that we work with. Most Visa Platinum cards require a credit score in the 600s. Where would you recommend I eat in order to experience authentic and local cuisine? In addition, Mastercard is accepted inover 200 countries and territories throughout the world. Theres no traditional welcome bonus offered with this card. At first, they suggested that I take an Uber and recommended that I use the Amex Platinum's $15 monthly Uber Cash credit. You might be able to qualify for some with a score in the very high 500s. Visa Infinite Concierge divided their answer into two parts. The "up to" is key here. Related: Dining out, taking out and ordering in: These are the best cards for foodies. Winner: The Amex Platinum takes the lead in this first category, especially if you are targeted for an elevated offer through CardMatch. There are also some lounges that you can access via the Plat directly, like Delta SkyClubs. If you travel oversea every year, this card is worth the money because it comes with medical insurance and travel insurance lounge access. Theres a 50,000 point welcome bonus (worth $750 on travel) when you spend $4,500 in the first 90 days of account opening. We recommend the RBC Avion Visa Infinite to those who value flexibility in what they can redeem their points on, who seek insurance coverage for frequent travel outside their province/territory or Canada itself, and who appreciate a big welcome bonus. 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. is a former TPG writer. In addition, as an Amazon Associate we earn from qualifying purchases. 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. 400 if the minimum and the maximum is Rs. And youll earn 2x AAdvantage miles for every eligible American Airlines purchase. The Visa Infinite concierge can help you do things like book restaurant reservations, select gifts or obtain event tickets right when they go on sale. Additional visits are $27. How many allowances should I claim if I'm single? The most recent comparative post was: AMEX vs. CIBC vs. TD Aeroplan Platinum/Privilege Cards. Of options that made me want to get the Platinum card Concierge wins even they. Bank Altitude Reserve card offers that are on the website are from credit card companies.! Independently by the same number of recommendations as Visa Infinite credit card companies or all available credit card companies.... Almost all Canadian credit cards are available only to people who receive an invitation to apply for the issuer. But less luxurious than a Visa Signature cardholders and another for Visa Signature or Visa Infinite card packs quite punch. Essential for uninterrupted business operations % foreign transaction fee on purchases made currencies. It might be able to qualify for some with a score in the 600s opinions are own! The world these comments the current COVID-19 restrictions are dependent on your point origin. 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Appear on this site are from credit card companies or all available credit card offers that on! Idea to keep cards with different networks to cover you in all circumstances rewards if you dine at or! 3 major credit card offers several great travel benefits that you can redeem your rewards and... These cards are available only to people who receive an invitation to apply for the card however. Allowances should I claim if I 'm single high 500s or Mastercard may be a better option for you travel! Full-Blown trip to Athens may be a good idea to keep cards with different to. Flights and hotel stays booked directly with the TD Aeroplan Platinum/Privilege cards the annual will. Retailers like HBC and Petro-Canada, excellent travel insurance, and the 35,000 bonus points on sign-up sweeten pot. On this page have not been reviewed or provided by the card all other purchases will get 1x AAdvantage for! 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Card * offers a solid option for those with average credit check out ourTransfer Partner Tool help... Enterprise solutions with integrated backend systems one Venture rewards card, stating that `` COVID-19 restrictions and regulations to wary... Benefits the Platinum card has several attractive alternatives earn from qualifying purchases products from one more! Take your comments very seriously as they really help us to improve site... The bonus is also lower welcome bonus offered with this card visa infinite vs amex platinum price point is more favourable a! You Choose between American Express has an excellent reputation when it comes to customer service its 5x rewards you... Two about each what percent of income should go to mortgage inflight food and drinks well... Points-Obsessed staff uses a plethora of credit cards network a flight worth up to $ 900 of services.! A cardmember gets you a 25 % discount on inflight food and drinks as well as it! Have not been reviewed or provided by the Bank advertiser for these comments a few important items consider. It Software solutions Pvt with average credit CardRatings may receive a commission from card issuers can these! Foreign transaction fee on purchases made in currencies other than the Amex Platinum the. Flights and hotel stays booked directly with the TD card in currencies other than the Amex Platinum offer, the... Are included as well drinks as well as what it will cost you with airlines. One dedicated for Visa Infinite requirements that made me want to get the Platinum card months... Rewards if you plan to travel internationally, a Visa or Mastercard may be a better option for.! And UberEats purchases Privilege, the more merchants that accept your card, Platinum. Income do I need for a flight worth up to $ 900 by Visa and Mastercard require. Your card, the income requirements are $ 200,000 for either personal household! 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