document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Disclaimer:Upgraded Points, LLC and its website, UpgradedPoints.com, provides information on credit cards, reward programs, travel information and ancillary information concerning travel and credit cards. See the Amex website for details. Transferable points currencies should be a huge factor when determining the best card for you. Almost all Canadian credit cards impose a hefty 2.5% foreign transaction fee on purchases made in currencies other than the Canadian dollar. 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. What percent of income should go to mortgage? And unlike a secured credit card, you won't have to contribute a security deposit. And you can transfer the miles to one of 15+ Capital One partner travel loyalty programs. I didn't want to make three identical restaurant reservations and then cancel or no-show all of them and waste everyone's time. But first, below are the highlights of each respective cards and then provided my commentary on some of the key factors to compare. 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. 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. 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. However, there are two different phone numbers one dedicated for Visa Signature cardholders and another for Visa Infinite cardholders. When you spend more than $20,000 in purchases during the year and then renew your card, youll get a $125 American Airlines discount. 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. 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. I may be compensated through 3rd party advertisers but our reviews, comparisons, and articles are based on objective measures and analysis. Card members also receive luxury gifts from iconic name brands, although Mastercard doesnt specify what those gifts might be. 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. 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. Today, I will be comparing the American Express AeroplanPlus Platinum Card, CIBC Aerogold Visa Infinite Privilege and TD Aeroplan Visa Infinite Privilege Card. And youll earn 2x AAdvantage miles for every eligible American Airlines purchase. That means your 60,000 points could be worth $900 instead of $600. The annual fee is $650 per year. Thats significantly lower than the Amex Platinum offer, though the spending requirement to earn the bonus is also lower. Most Visa Platinum cards require a credit score in the 600s. What percent of income should go to mortgage? The Marriott Bonvoy Brilliant Express card is a great choice for frequent/luxury travelers that prefer to stay at Marriott-owner properties when they travel. Offers. All three concierge services provided excellent restaurant recommendations with all the necessary information (address, hours, phone number and type of cuisine). "Visa Infinite" is a package of superpremium benefits available on certain cards that carry the Visa label. A credit score of 700 and above is considered as ideal. With Visa Infinite Privilege, you can enjoy Global Airport Lounge Access with 6 complimentary passes, and other great benefits at select airports in Canada. What are the rewards on the U.S. Bank Platinum card? Terms Apply. Earn 1 reward point for every INR 150 spent on all other categories. There are also some lounges that you can access via the Plat directly, like Delta SkyClubs. Ltd. As of this writing, theres also a $10 per month in credits at participating restaurants when you pay with the Gold 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. However, despite the sizable annual fee, it is one of the best cards out there for heavy travelers. Topics included museums and retail reopening, masks, capacity limits and other pandemic restrictions. All Rights Reserved. Youll also receive a $100 annual statement credit toward qualifying airline purchases. We provide complete 24*7 Maintenance and Support Services that help customers to maximize their technology investments for optimal business value and to meet there challenges proficiently. Having the ability to choose travel or financial redemption options makes the RBC Avion Visa Infinite Card a great asset; however, Aeroplan points are worth more. 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. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Does refinancing lower your house payment? American Express AeroplanPlus Visa is only a payment network and has cards issued by other banks, like Chase, Bank of America, etc. Terms Apply. Email needed if you'd like comment updates. 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. See our Advertiser Disclosurefor more details. Youll also get a $10 per month Uber credit when you add your Amex Gold card to your Uber account. 4. Click here to see a list of advertisers that we work with. Visit www.rbc.com/rewardsapp today. As luck would have it, my own laziness created the perfect opening. Outstanding design services at affordable price without compromising on quality, Helps You to establish a market presence, or to enhance an existing market position, by providing a cheaper and more efficient ecommerce website, Our quality-driven web development approach arrange for all the practices at the time of design & development, Leverage the power of open source software's with our expertise. 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. Greece has recently reopened to travelers. Winner: The Amex Platinum takes the lead in this first category, especially if you are targeted for an elevated offer through CardMatch. 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. Youll also get up to $100 reimbursement on your Global Entry or TSA Precheck purchase when you use your Capital One Venture Rewards card. As far as rewards go, youll earn 1x points for every dollar spent in most categories. What matters is how long it took for each concierge service to complete my full request. For an all-in-one solution towards many of lifes common expenses, the Scotiabank Passport Visa Infinite Card packs quite a punch. Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. The main difference between American Express and Visa is that American Express is both a card issuer and a payment network. It has also done well consistently year over year. At a minimum, it might be a good idea to keep cards with different networks to cover you in all circumstances. Choosing a credit card based on the credit card issuer along with the features of the individual card is more important than choosing based on the credit cards network. 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. For more information on our advertisers, see here. Which is Better Visa Platinum or Visa Infinite? Rs. You can redeem your rewards for any purchase when you use PayPal to check out. Power, American Express came in first in overall customer satisfaction. AMEX Plat's PP Select gets you unlimited visits, but guests are $29. I am not a financial adviser. You must call UBS or contact your UBS Financial Advisor to apply for the card. However, if youre an infrequent traveler or if you mostly travel domestically, youll probably do just fine with the Citi Premier card. 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. The American Express Global Lounge Collection can provide an escape at the airport. The annual fee is $400 per year and includes some attractive benefits that are fairly competitive. Power, American Express came in first in overall customer satisfaction. I needed a request that would give each concierge a chance to show some creativity. Visa offers 3 levels of benefits for its cards. As an Amazon Associate, I earn from qualifying purchases. The U.S. Bank Altitude Reserve Card offers several great travel benefits and a lower annual fee. The one area where the Black Card wins is in luxury extras such as the concierge service it offers. The "up to" is key here. 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. He has also been fortunate to have appeared in the New York Times, Baltimore Sun, Entrepreneur, and Marketplace Money. You can travel for as low as 15,000 points. 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. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. This site does not include all credit card companies or all available credit card offers. I'd say the overlap of information, advice and recommendations I received from all three was far better than any one service on its own. The Reflex Mastercard is a secured credit card designed for those trying to build or rebuild their credit. 1X points on spending redeemed at 1.5% of spending if taken as cash back or 2% of spending if redeemed for flights. What is the easiest Amex to get approved for? While on the American Express Aeroplan * Card, you could earn 50,000 points after six months by spending $3,000. Your RBC Avion Visa Infinite card is the travel card that caters to your every need, at home and away. 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. With the TD Aeroplan Visa Infinite* Card, you could earn 40,000 points after six months by spending $5,000. And theres no cap to the number of AAdvantage miles you can earn. 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. 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. Improve earnings, maximize rewards and track progress toward dream trips. Obviously, the Citi AAdvantage card is best for those who prefer to travel with American Airlines. You might be able to qualify for some with a score in the very high 500s. 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. American Express AeroplanPlus Points earnings as a whole are better with the Platinum card. This post contains references to products from one or more of our advertisers. Creating the right "experiment" was tricky here. 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. 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. However, there are two different phone numbers one dedicated for Visa Signature cardholders and another for Visa Infinite cardholders. None of the concierge services could fulfill my requests on the spot (which is to be expected), so where the differences started to become strikingly apparent was how long it took them to follow up. It's the top tier within Visa's three levels of benefits, tailored to high-net-worth cardholders. Recently, he's invested in a few pieces of art on Masterworks too. They took it a step further and provided a quick blurb about the cuisine, if a restaurant was card-only, its atmosphere and more. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Therefore, the TD Aeroplan Visa Infinite* Card sweeps this category strictly for its point value in terms of a travel card. Its probably not even on your radar! It has an annual fee of $0 and also charges no foreign transaction fees. 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. Global ATM network. 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. These fees do have to be charged to your Platinum card, and the credits only apply to your pre-selected airline. What is the credit limit for an Axis Bank Platinum Credit Card? 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. Heavy travelers, however, will likely prefer the Platinum card. If most of your transactions will be made in the U.S., you shouldnt really run into any issues with your card being accepted. Other purchases earn 1x points. These high-end credit cards are available only to people who receive an invitation to apply, which millionaires have the best chance of getting. Youll get the following additional benefits with your Amex Platinum card as well. The Visa Platinum is the second tier of the four Visa credit card types. Find the right card for you. Here are the primary benefits at each level. UBS Visa Infinite Chase Sapphire Reserve Amex Platinum Card; The content on this site is for informational and educational purposes only and should not be construed as professional financial advice. It's free. First introduced overseas, Visa Infinite came to the U.S. around 2016 and remains relatively uncommon. I finally got a reply with all the answers on June 18 -- nine days later -- but it's unclear whether Citi would have responded if it weren't for my follow-up email. Where would you recommend I eat in order to experience authentic and local cuisine? Sign up for our daily newsletter! Theres no traditional welcome bonus offered with this card. WebScotiabank Gold American Express. In addition, as an Amazon Associate we earn from qualifying purchases. It lets you earn Avion points whenever you spend money on your credit card. They provided tons of options that made me want to turn my layover into a full-blown trip to Athens. Contact: 800-953-7392. Visa Infinite Concierge provided the least amount of information, stating that "COVID-19 restrictions are dependent on your point of origin." Examples of other companies that use the American Express payment network include Bank of America, BBVA Compass, Citigroup, U.S. Bank, USAA, and Wells Fargo. Which is Better Visa Platinum or Visa Infinite? 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. Most Visa Platinum cards require a credit score in the 600s. The most recent comparative post was: AMEX vs. CIBC vs. TD Aeroplan Platinum/Privilege Cards. We take your comments very seriously as they really help us to improve the site. Luckily, her husband worked at Southwest Airlines, so they were introduced to the exciting world of non-rev travel. 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. Add that to the 10 types of purchase and travel insurance that are included, and this card is definitely worth considering. The information for the Citi Prestige has been collected independently by The Points Guy. Indigo Platinum Mastercard Review: Is it Worth the Cost? This is a huge change from 5 years ago when American Express was only accepted at 3.7 million. How can I pay my mortgage off without refinancing? The Citi AAdvantage card is another option for travelers. Where can I store my luggage (carry-on and backpack) at ATH? Among other benefits, this card comes with $200 in travel credits each year for incidentals such as baggage fees. Platinum Card Concierge also included contact information for tourist offices in case of an emergency. Opinions and recommendations are ours alone. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. What are the current COVID-19 restrictions and regulations to be wary of? Meanwhile, Visa Infinite Concierge merely provided a brief sentence or two about each This site and CardRatings may receive a commission from card issuers. In addition, youll get $179 in Clear Credit when you pay for your Clear membership with your card. But can Reflex compete with other top cards from Capital One, Indigo, or Chime? Visa Infinite represents the most premium offering from the card network, and offers benefits suited to the premium rewards cards that carry the designation. The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. Now that the Citi Prestige card program is no longer accepting new applicants, youll have to look to other options if you like using Citi cards. In addition, Mastercard is accepted inover 200 countries and territories throughout the world. Cash back credit cards offer flexibility by giving you several ways to redeem your rewards. Jim Wang is a forty-something father of four who is a frequent contributor to Forbes and Vanguard's Blog. Winner: The Amex Platinum takes the lead in this first category, especially if you are targeted for an elevated offer through CardMatch. Cards impose a hefty 2.5 % foreign transaction fees youre an infrequent traveler or if are! Commentary on some of the four Visa credit card, you shouldnt really run any..., there are two different phone numbers one dedicated for Visa Signature cardholders and another for Visa *. Eat in order to experience authentic and local cuisine certain cards that carry the label! Travel credits each year for incidentals such as baggage fees relatively uncommon fee is $ 400 per year includes... 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