Heres everything you need to know about these 3 credit card processors and the main differences between them. Youll get a $100 annual credit on any single hotel stay costing $500 or more when paid for with your Citi Premier card. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. CEO The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. 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. Today, I will be comparing the American Express AeroplanPlus Platinum Card, CIBC Aerogold Visa Infinite Privilege and TD Aeroplan Visa Infinite Privilege Card. This site does not include all credit card companies or all available credit card offers. The Luxury Hotel & Resort Collection benefit provides for additional benefits at select hotels and resorts, such as early check-in and late check-out. Other rotating benefits, including additional bonus points, may apply. The Capital One Venture Rewards card doesnt have the high-end benefits that the Platinum card does. Points earnings as a whole are better with the Platinum card. You must call UBS or contact your UBS Financial Advisor to apply for the card. They took it a step further and provided a quick blurb about the cuisine, if a restaurant was card-only, its atmosphere and more. Heavy travelers, however, will likely prefer the Platinum card. Winner: The Amex Platinum takes the lead in this first category, especially if you are targeted for an elevated offer through CardMatch. This blog has partnered with CardRatings for our coverage of credit card products. All credit bureaus in India offer a credit score between 300-900, 900 being the highest. The U.S. Bank Altitude Reserve Card offers several great travel benefits and a lower annual fee. These high-end credit cards are available only to people who receive an invitation to apply, which millionaires have the best chance of getting. While it hasn't quite reached the heights of Aeroplan or Air Miles, Avion is an up-and-coming travel rewards program offered by RBC (one of Canada's Big Five banks). The fee with the Platinum card is much higher, of course, but if you travel frequently youll make your money back quickly. U.S. Bank Altitude Reserve Visa Infinite Card. Best Wallet Hacks You can redeem your rewards for any purchase when you use PayPal to check out. TPG also values Ultimate Rewards points at 2 cents each, making this bonus worth $1,200. American Express AeroplanPlus Theres no traditional welcome bonus offered with this card. 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. Greece has recently reopened to travelers. 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. Designed to help you build credit, the Indigo Platinum Mastercard discloses your annual fee and APR before you apply. 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. Almost all Canadian credit cards impose a hefty 2.5% foreign transaction fee on purchases made in currencies other than the Canadian dollar. 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. Visa Signature Concierge Service. 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. The content on this site is for informational and educational purposes only and should not be construed as professional financial advice. 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. 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. Almost all Canadian credit cards impose a hefty 2.5% foreign transaction fee on purchases made in currencies other than the Canadian dollar. They took it a step further and provided a quick blurb about the cuisine, if a restaurant was card-only, its atmosphere and more. Get 5X Membership Rewards points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases. The credit applies to both Uber rides and UberEats purchases. As luck would have it, my own laziness created the perfect opening. 4,000. 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. Members are also eligible for preferred seating for select cultural and sporting events when paying with the Amex Gold card. Terms Apply. These services are provided by third-party companies and not by the issuers themselves, so the responsiveness and quality of the results can vary. Discover hundreds of deals, discounts and privileges. Amex pays 1x on restaurants where Chase pays 3x. How does this compare to the American Express Platinum card? The U.S. Bank Altitude Reserve card is somewhat competitive with the Platinum card in terms of points rewards. How do credit cards make money if you don't pay interest? AMEX Plat's PP Select gets you unlimited visits, but guests are $29. To find out, I've compared the two credit card giants using five criteria. These levels include the following benefits: Visa Signature offers all of the benefits of Visa Traditional plus: Lastly, Visa Infinite offers all of the perks of Traditional and Signature, in addition to: Mastercard also offers 3 levels with each offering different minimum benefits. The Visa Platinum is the second tier of the four Visa credit card types. Partnerships with other retailers like HBC and Petro-Canada, excellent travel insurance, and the 35,000 bonus points on sign-up sweeten the pot. How does this compare to the American Express Platinum card? For example, American Express is the only network that offers Delta and Hilton cards. Terms Apply. The Visa Platinum is the second tier of the four Visa credit card types. 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. Can Australian creditors chase me abroad? Most users would earn back the $95 annual fee with gained points quite quickly. You might be able to qualify for some with a score in the very high 500s. The American Express Platinum card has several attractive alternatives. The one area where the Black Card wins is in luxury extras such as the concierge service it offers. 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. We offer an extensive range of e-commerce website design and e-commerce web development solutions in the form of e-commerce payment gateway integration, shopping cart software, custom application development, Internet marketing, e-Payment to companies across the globe. At the bottom of the guide, I got insight into clothing etiquette, personal safety, Athens' cultural calendar and more. Amex sourced its information from the travel website Frommers, which emphasized that public transportation is the best option in Athens -- especially the Metro, since buses can get stuck in rush hour traffic. Best Alternatives to American Express Platinum, 3. 1X points for each dollar you spend on eligible purchases. Load personalized offers for great brands before you shop to get cash savings or to earn bonus points faster. 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. 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. These points can be redeemed for travel through UBS's own portal. Verdict: Once the $200 travel credit is taken into account, the Platinum Cards price point is more favourable. 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. The Visa Platinum is the second tier of the four Visa credit card types. You can use 25,000 points for a flight worth up to $350 or 50,000 points for a flight worth up to $900. 4. The UBS Visa Infinite Credit Card * offers a solid but lesser-known premium travel rewards card. Can you pay off a 72 month car loan early? Obviously, the Citi AAdvantage card is best for those who prefer to travel with American Airlines. What Is Your Credit Score, How Does It Work & Why Is It Important? Get cash when you need it. For an explanation of our Advertising Policy, visit. Hot Tip: Check out our guides to the best Mastercard, Visa, and American Express cardsfor rewards, perks, and cash-back. American Express AeroplanPlus Amex Platinums fee is higher, but you also get 40,000 more points with 2,000 more in purchases. Other purchases earn 1x points. 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. The U.S. Bank Altitude Reserve Card offers several great travel benefits and a lower annual fee. For an all-in-one solution towards many of lifes common expenses, the Scotiabank Passport Visa Infinite Card packs quite a punch. 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. This site and CardRatings may receive a commission from card issuers. Click here to see a list of advertisers that we work with. by J.D. 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 worth nothing that the Visa card gets you 6 visits per year, but they can be used on guests as well as yourself. The Infinite card offers accelerated cash back rates: 4% for grocery store purchases, 2% for gas, and 1% for daily transit purchases. (our full review of the Platinum Card by American Express goes into great detail on this too). Additional visits are $27. The "up to" is key here. Credit cards branded Visa Signature or Visa Infinite typically offer a starting credit limit of $5,000 or more. Both Visa Paywave and Mastercard Tap & Go work at contactless terminals, as well as mobile wallets. Youll get 2% value when you redeem for airfare, and 1.5% value for cash back redemptions. WebWinner: Platinum Card Concierge wins even if they provided the same number of recommendations as Visa Infinite Concierge. Opinions expressed here are the author's alone, not those of any bank or financial institution. 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). 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. Recently, he's invested in a few pieces of art on Masterworks too. Today, I will be comparing the American Express AeroplanPlus Platinum Card, CIBC Aerogold Visa Infinite Privilege and TD Aeroplan Visa Infinite Privilege Card. Get cash when you need it. 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. 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. Global customer assistance. As mentioned, the annual fee for the Amex Platinum card is $695. 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. All this with a first-year annual fee rebate! 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. What is the fastest way to pay off a parent PLUS loan? Does refinancing lower your house payment? Flights booked directly with the airlines and flights and hotel stays booked directly with Amex Travel earn 5x points. Improve earnings, maximize rewards and track progress toward dream trips. These points can be redeemed for travel through UBS's own portal. American Express is both a card issuer AND a payment network. 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 most recent comparative post was: AMEX vs. CIBC vs. TD Aeroplan Platinum/Privilege Cards. Where can I store my luggage (carry-on and backpack) at ATH? What would happen to China if the U.S. defaulted? 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" is a package of superpremium benefits available on certain cards that carry the Visa label. You can travel for as low as 15,000 points. You might be able to qualify for some with a score in the very high 500s. Citi AAdvantage Platinum Select World Elite Mastercard, our full review of the Platinum Card by American Express goes into great detail on this too, Learn more about the Mastercard Black Card, Marriott Bonvoy Brilliant American Express Card. All three of these major premium credit cards also offer a concierge service to their cardholders. Visa Infinite Concierge provided the least amount of information, stating that "COVID-19 restrictions are dependent on your point of origin." 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. Here's the rundown. WebScotiabank Gold American Express. 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). Thats significantly lower than the Amex Platinum offer, though the spending requirement to earn the bonus is also lower. It's hard to find a card that competes with the mile-long list of benefits that come with the Amex Business Platinum. I may be compensated through 3rd party advertisers but our reviews, comparisons, and articles are based on objective measures and analysis. All three concierge services provided excellent restaurant recommendations with all the necessary information (address, hours, phone number and type of cuisine). They provided tons of options that made me want to turn my layover into a full-blown trip to Athens. Email needed if you'd like comment updates. The UBS Visa Infinite Credit Card * offers a solid but lesser-known premium travel rewards card. 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. 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. And 3x points on all other travel purchases. Choosing a credit card based on the credit card issuer along with the. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. Earn 1 reward point for every INR 150 spent on all other categories. These fees do have to be charged to your Platinum card, and the credits only apply to your pre-selected airline. In addition, the card offers special access to tickets (including presale tickets) for thousands of events including sporting events, concerts, dining experiences, and more. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. It has also done well consistently year over year. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. Indigo Platinum Mastercard Review: Is it Worth the Cost? 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. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. 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. If youre a heavy traveler, youll want the Platinum card. As far as rewards go, youll earn 1x points for every dollar spent in most categories. WebScotiabank Gold American Express. Testing requirements for travelers (including minors). In terms of other differences, platinum cards offer higher minimum credit limits than gold cards, which can be a bonus if you spend a lot on credit and can responsibly manage your credit card payments. Youll also get a $300 statement credit for eligible purchases at hotels participating in the Marriott Bonvoy program. 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. The card awards 3x points for commercial air travel, 2x points for gas and groceries, and 1 point for all other eligible purchases. How does this compare to the American Express Platinum card? All three concierge services suggested the same luggage storage at ATH: Care4Bag. American Express Gold Card: See Rates and Fees. Many of the Visa Infinite perks offer higher levels of protection compared to the Visa Signature version of the benefits. Why was my car loan removed from credit report? While Visa Infinite Concierge was the first to respond to me with initial restaurant recommendations, I didn't receive the full details of my request until nine days later. Performing arts (dance, film, music and opera). Winner: I was beyond impressed with Citi Concierge. 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. Therefore, you will get more points with it than with the 1.5 points of the TD 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. Sign up for our daily newsletter! And youll enjoy preferred boarding status. Check here before booking an award fare. 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. The Citi AAdvantage card is another option for travelers. This content has not been reviewed, approved or otherwise endorsed by any of these entities. Visa Platinum Visa Platinum is a card full of potential, with higher spending limits and greater purchasing power. If you want a wider selection of cards to choose from, youd be better off picking a card in the Mastercard or Visa network. The most recent comparative post was: AMEX vs. CIBC vs. TD Aeroplan Platinum/Privilege Cards. As you can see, the high fee is quickly offset by a host of benefits. The Chase Sapphire Reserve has an annual fee of $550 and is probably the Platinum cards closest competitor. There are a host of benefits geared toward taking your stay at Marriott properties to the next level. All other purchases will get 1x AAdvantage miles for every $1 spent. Most Visa Platinum cards require a credit score in the 600s. But it comes with cell phone insurance, a minor perk. Compare the cost in points or miles to cash, and see which option is best. I cover all of this and more in this Reflex Mastercard review. There is currently a welcome bonus of 60,000 Ultimate Rewards points after you spend $4,000 in purchases within the first three months. UBS Visa Infinite Chase Sapphire Reserve Amex Platinum Card; 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. Visa Infinite vs. The card issuer is the one that actually extends credit to consumers. Box 323 They took it a step further and provided a quick blurb about the cuisine, if a restaurant was card-only, its atmosphere and more. WebWinner: Platinum Card Concierge wins even if they provided the same number of recommendations as Visa Infinite Concierge. A notable perk of carrying a Visa Infinite card is that most have added travel insurance coverage.