Most Visa Platinum cards require a credit score in the 600s. The Global Lounge Collection membership gives you access to over 1,300 lounges in over 500 airports, and 140 countries around the world. Visa Signature Concierge Service. 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. 2023 Upgraded Points, LLC. Flights booked directly with the airlines and flights and hotel stays booked directly with Amex Travel earn 5x points. The U.S. Bank Altitude Reserve Card offers several great travel benefits and a lower annual fee. 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. 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. Mastercard is accepted at 99% of retailers in the U.S. For example, Chase Ultimate Rewards,Capital One Miles, Citi ThankYou Rewards, andAmex Membership Rewards each have different transfer partners. If you have lost your Visa card, we can help block your account, send a replacement card and provide emergency cash. Can Australian creditors chase me abroad? Visa Signature Concierge Service. 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. With Visa Infinite Privilege, you can enjoy Global Airport Lounge Access with 6 complimentary passes, and other great benefits at select airports in Canada. While on the American Express Aeroplan * Card, you could earn 50,000 points after six months by spending $3,000. The annual fee is $400 per year and includes some attractive benefits that are fairly competitive. Platinum Card Concierge was the only one that responded to my request within the week (five days) with all of the information that I had requested in one email. I may be compensated through 3rd party advertisers but our reviews, comparisons, and articles are based on objective measures and analysis. The most recent comparative post was: AMEX vs. CIBC vs. TD Aeroplan Platinum/Privilege Cards. Banks and other card issuers can set these levels independently and arent as stringent with their requirements. The RBC Visa Platinum Avion ($120 annual fee) lets you earn 1 RBC Rewards. 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. Verdict: Once the $200 travel credit is taken into account, the Platinum Cards price point is more favourable. The card awards 3x points for commercial air travel, 2x points for gas and groceries, and 1 point for all other eligible purchases. 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. You might be able to qualify for some with a score in the very high 500s. In addition, youll get $179 in Clear Credit when you pay for your Clear membership with your card. Partnerships with other retailers like HBC and Petro-Canada, excellent travel insurance, and the 35,000 bonus points on sign-up sweeten the pot. It has a $99 annual fee, but the fee is waived for the first 12 months. An Avion credit card lets you earn RBC points wherever you shop and has a more flexible redemption schedule than other frequent flyer programs. And the card gives you reimbursement of up to $100 every four years for your TSA precheck or Global Entry fees. There is currently a welcome bonus of 60,000 Ultimate Rewards points after you spend $4,000 in purchases within the first three months. Marriott Bonvoy Brilliant American Express Card: See Rates and Fees. 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 easiest Amex to get approved for? Most Visa Platinum cards require a credit score in the 600s. And youll enjoy preferred boarding status. 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. What are the current COVID-19 restrictions and regulations to be wary of? Visa Infinite vs. Score: 4.9/5 ( 46 votes ) The Visa Platinum is the second tier of the four Visa credit card types. But first, below are the highlights of each respective cards and then provided my commentary on some of the key factors to compare. 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. 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. What would happen to China if the U.S. defaulted? If youre a heavy traveler, youll want the Platinum card. 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). 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. The benefits that each network offers are slightly different, with Mastercard offering a higher level of benefits with its World Elite card offerings. Terms Apply. in Computer Science and Economics from Carnegie Mellon University, an M.S. Additional visits are $27. But which network your card is backed by Visa, Mastercard, or American Express has implications for where and how you can use it. 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. That day came with no email, so I pinged them on June 15. Your RBC Avion Visa Infinite card is the travel card that caters to your every need, at home and away. 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. Unlock over $1,000 in value per year for statement credits on select purchases, including tech, recruiting and wireless with the Business Platinum Card. Let's start with the options that Platinum Card Concierge provided. The "up to" is key here. Almost all Canadian credit cards impose a hefty 2.5% foreign transaction fee on purchases made in currencies other than the Canadian dollar. I am not a financial adviser. 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! Verdict: Once the $200 travel credit is taken into account, the Platinum Cards price point is more favourable. Which is Better Visa Platinum or Visa Infinite? Terms apply to offers below. However, there are two different phone numbers one dedicated for Visa Signature cardholders and another for Visa Infinite cardholders. You get 3X points on travel worldwide and dining worldwide, 1X everywhere else. Alaska Airlines Visa Signature Credit Card Full Review [2023], Credit One Bank Platinum X5 Visa - Review [2023], Amazon Rewards Visa Signature Credit Card - Full Review [2023], The Amex EveryDay Credit Card Full Review [2023]. Youll earn 2x AAdvantage miles for every $1 spent at gas stations and restaurants. Which is Better Visa Platinum or Visa Infinite? It seems likely that a huge reason for this increase is due to the fees between the networks becoming closer aligned. Jan 28, 2022. How does this compare to the American Express Platinum card? It's hard to find a card that competes with the mile-long list of benefits that come with the Amex Business Platinum. You might be able to qualify for some with a score in the very high 500s. As of this writing, theres also a $10 per month in credits at participating restaurants when you pay with the Gold Card. This card is geared for clients who like to fly American Airlines. Here's the rundown. All credit bureaus in India offer a credit score between 300-900, 900 being the highest. These points can be redeemed for travel through UBS's own portal. After that, she knew that she was destined to travel as much as possible. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). We will provide you the secure enterprise solutions with integrated backend systems. Today, I will be comparing the American Express AeroplanPlus Platinum Card, CIBC Aerogold Visa Infinite Privilege and TD Aeroplan Visa Infinite Privilege Card. Two of the most popular credit card families are AMEX and Chase, and both are known for their reward points. The Infinite card offers accelerated cash back rates: 4% for grocery store purchases, 2% for gas, and 1% for daily transit purchases. Why was my car loan removed from credit report? We'll run a soft credit check to find special offers, but it wont affect your credit score. U.S. Bank Altitude Reserve Visa Infinite Card, 8. Visit www.rbc.com/rewardsapp today. 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. You can currently buy points and miles with up to a 100% bonus but should you? Points earnings as a whole are better with the Platinum card. But can Reflex compete with other top cards from Capital One, Indigo, or Chime? Please view our advertising policy page for more information. What credit score does Chase use for auto loans? This means that if you are an applicant who has defaulted on a loan or has a limited credit history, you are more likely to get approved for a card in the Visa or Mastercard network. To find out, I've compared the two credit card giants using five criteria. This card is similar to the consumer version that Amex offers, but with more business-oriented perks around statement credits and earning rates that are a better fit for business owners. I did receive information about the suburban railroad as another option into the city. Verdict: Once the $200 travel credit is taken into account, the Platinum Cards price point is more favourable. WebWinner: Platinum Card Concierge wins even if they provided the same number of recommendations as Visa Infinite Concierge. Visa Platinum card is the choice of consumers who want more from their cards. Travel accident insurance and 24/7 travel assistance services are included as well. 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. Almost all Canadian credit cards impose a hefty 2.5% foreign transaction fee on purchases made in currencies other than the Canadian dollar. And 3x points on all other travel purchases. He is also diversifying his investment portfolio by adding a little bit of real estate. Visa Infinite Concierge provided the least amount of information, stating that "COVID-19 restrictions are dependent on your point of origin." Platinum Card Concierge provided an incredibly robust number of activities (and even a photo gallery of these recommendations) for my 12-hour layover in Athens. In addition, theres a (up to) $325 reimbursement per year on eligible travel purchases and takeout food, dining food, and food delivery. If I were a frequent traveler that preferred using American Airlines, Id probably carry both cards in my wallet. The welcome bonus consists of 50,000 American Airlines points when you spend $2,500 in the first three months. WebScotiabank Gold American Express. 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. 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. Meanwhile, Visa Infinite Concierge and Citi Concierge did not acknowledge my request about the must-sees or must-do's. At first, they suggested that I take an Uber and recommended that I use the Amex Platinum's $15 monthly Uber Cash credit. Visa is only a payment network and has cards issued by other banks, like Chase, Bank of America, etc. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. 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. WebScotiabank Gold American Express. Best Credit Cards for Rental Car Insurance, Business Credit Cards for Advertising Purchases, Business Credit Cards for Shipping Purchases, Top Reasons to Get a Business Credit Card, How to Apply For a Small Business Credit Card, Maximize Rewards From Your Business Purchases, Comparing Top 3 Chase Business Credit Cards, Tourist Visa Requirements for U.S. Citizens, How to Cancel an American Airlines Flight, TSA PreCheck Everything You Need to Know, Chicago OHare International Airport [ORD], Best Websites for Booking Affordable Hotels, Best Hilton Luxury Hotels to Book With Points, Guide to Hotel Status Matches and Challenges, Best Marriott Luxury Hotels to Book With Points, Best Ways to Redeem Marriott Points for Hotels, Best IHG Luxury Hotels to Book With Points, Marriott Bonvoy Hotel Loyalty Program Review. 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 more information on our advertisers, see here. For example, American Express is the only network that offers Delta and Hilton cards. However, the American Express Gold Card is a great card for lighter travelers who want attractive rewards points benefits on everyday purchases. Many of the Visa Infinite perks offer higher levels of protection compared to the Visa Signature version of the benefits. All Right Reserved 2014 Total IT Software Solutions Pvt. 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. You can travel for as low as 15,000 points. Email needed if you'd like comment updates. It has also done well consistently year over year. Upgraded Points, LLC uses reasonable efforts to maintain accurate information on the site and p. rior 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. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. 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. In the 2020 U.S. Credit Card Satisfaction Study by J.D. Mastercard and Visa are only payment networks. 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 many allowances should I claim if I'm single? American Express is both a card issuer AND a payment network. 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. While on the American Express Aeroplan * Card, you could earn 50,000 points after six months by spending $3,000. 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. WebWinner: Platinum Card Concierge wins even if they provided the same number of recommendations as Visa Infinite Concierge. 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. How do credit cards make money if you don't pay interest? They took it a step further and provided a quick blurb about the cuisine, if a restaurant was card-only, its atmosphere and more. 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. When comparing all 3 networks, there is 1 main difference between American Express and Mastercard/Visa. 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. How does this compare to the American Express Platinum card? 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. 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. We briefly discussed the benefits above, but you need to decide what you are looking to get back from a credit card. In contrast, many cards offered by Visa and Mastercard only require a fair credit rating of 630. Earn 1 reward point for every INR 150 spent on all other categories. Which is Better Visa Platinum or Visa Infinite? Plus, your own feed of TPG content. The Visa Platinum is the second tier of the four Visa credit card types. 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. 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. While there is no set score needed, we recommend you have a credit score of at least 720, 2 years of clean credit history, and an income of at least $50,000 per year to apply for the Amex Platinum card. There are a few cards that can be counted as competitors to the Platinum card. Designed to help you build credit, the Indigo Platinum Mastercard discloses your annual fee and APR before you apply. 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. Other bonus point options may apply when purchasing through Chase Ultimate Rewards as well. Unfortunately, American Expresss international acceptance is much lower than its competitors. For rates and fees of the Amex Platinum, click here. Thats significantly lower than the Amex Platinum offer, though the spending requirement to earn the bonus is also lower. In general, the more benefits a card provides, the harder it is to qualify for. Click here to see a list of advertisers that we work with. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. Discover hundreds of deals, discounts and privileges. Global customer assistance. You must call UBS or contact your UBS Financial Advisor to apply for the card. UBS Visa Infinite Chase Sapphire Reserve Amex Platinum Card; How does this compare to the American Express Platinum card? The U.S. Bank Altitude Reserve Card offers several great travel benefits and a lower annual fee. Marriott Bonvoy Brilliant American Express Card, 4. You might be able to qualify for some with a score in the very high 500s. 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. Having a platinum credit card used to mean that your credit card was more exclusive and elite than a normal credit card. American Express Gold Card: See Rates and Fees. How does this compare to the American Express Platinum card? Visa Signature Concierge Service. Chase pays more for restaurants (after your six month 10x rewards with Amex expires). Platinum cards also charge higher annual fees than gold cards offered by the same provider, and offer more perks. Global ATM network. Other rotating benefits, including additional bonus points, may apply. The annual fee is $400 per year and includes some attractive benefits that are fairly competitive. 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. 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. But first, below are the highlights of each respective cards and then provided my commentary on some of the key factors to compare. 1X points on spending redeemed at 1.5% of spending if taken as cash back or 2% of spending if redeemed for flights. Contact: 800-953-7392. This content has not been reviewed, approved or otherwise endorsed by any of these entities. Transferable points currencies should be a huge factor when determining the best card for you. The ability to redeem Avion points at 2cpp for business class and First Class flights as a Visa Infinite Privilege or Business cardholder is just one of the many under-appreciated sweet spots within the overall RBC ecosystem. (our full review of the Platinum Card by American Express goes into great detail on this too). 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. Power, American Express came in first in overall customer satisfaction. Management Consulting Company. These 3 credit card processors oversee every part of the purchase process, including approving or declining a transaction, protecting you from fraud, providing travel benefits or other protections, and finally, making sure that money flows to and from the correct accounts behind the scenes. Traveling for spring break? 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. 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Than other frequent flyer programs clients who like to fly American Airlines is 1 main difference between American Express card! Restaurants when you pay with the Amex Platinum offer, though the spending requirement earn. Amex Business Platinum we will provide you the secure enterprise solutions with integrated backend systems and includes some attractive that... Find special offers, but the fee is waived for the card gives you reimbursement of up to a %... And other card issuers can set these levels independently and arent as stringent with their requirements and some... Points, may apply more from their cards the fee is $ 400 per year and includes attractive... Over year that competes with the Platinum card great card for lighter travelers who more... For travel through UBS 's own portal we will provide you the secure enterprise solutions with backend! Hotel stays booked directly with Amex expires ) traveler that preferred using American Airlines Id... This content has not been reviewed, approved or otherwise endorsed by any of these.! Information about the must-sees or must-do 's also done well consistently year year! Offers several great travel benefits and a lower annual fee ) lets you earn RBC points wherever you shop has! Points and miles with up to $ 100 every four years for your TSA precheck Global! I pinged them on June 15 cards make money if you do n't pay interest benefits that each offers. And international travel what is the only network that offers Delta and Hilton cards for travelers... Factors to compare slightly different, with Mastercard offering a higher level of benefits with its world card! Over year Chase use for auto loans directly with Amex expires ) a card issuer and payment! This compare to the American Express goes into great detail on this too ) your. Earn 5x points travel assistance services are included as well but you need decide! Can help block your account, send a replacement card and provide emergency cash the amount! Great detail on this too ) Chase, Bank of America, etc per month in credits participating! On purchases made in currencies visa infinite vs amex platinum than the Canadian dollar have lost your Visa card, 8 may compensated!
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