Priority Pass Select is included, which means youll have access to over 1,300 lounges in over 500 cities worldwide. We'll run a soft credit check to find special offers, but it wont affect your credit score. Box 323 Terms and conditions for using a lounge voucher(opens to external site): Lounge access - RBC vouchers may be used by the WestJet RBC World Elite Mastercard primary cardholder and their accompanied guests. Editors note: This post has been updated with new information. The biggest difference between Visa Infinite and Visa Infinite Privilege is the amount of benefits you'll receive. Please consult with a licensed financial or tax advisor before making any decisions based on the information you see here. 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. How does this compare to the American Express Platinum card? Best Wallet Hacks Platinum Card Concierge provided the following information about the metro: Meanwhile, Visa Infinite Concierge provided this information about the metro: Platinum Card Concierge was the only other service to provide information on alternative modes of transportation. The "up to" is key here. While there were so many options to choose from, I appreciated that each description was concise yet informative. The Platinum Card from American Express. 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. American Express AeroplanPlus For rates and fees of the Amex Platinum, click here. Amex pays 1x on restaurants where Chase pays 3x. 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. Theres a 50,000 point welcome bonus (worth $750 on travel) when you spend $4,500 in the first 90 days of account opening. Many of the Visa Infinite perks offer higher levels of protection compared to the Visa Signature version of the benefits. The U.S. Bank Altitude Reserve Card offers several great travel benefits and a lower annual fee. We briefly discussed the benefits above, but you need to decide what you are looking to get back from a credit card. In addition, the card offers special access to tickets (including presale tickets) for thousands of events including sporting events, concerts, dining experiences, and more. The "up to" is key here. You can redeem any earned rewards instantly using your mobile device. 4,000. Power, American Express came in first in overall customer satisfaction. Editorial Disclosure:The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. If most of your transactions will be made in the U.S., you shouldnt really run into any issues with your card being accepted. How much income do I need for a 800k mortgage? 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. Racking up points that you can use for your next hotel stay or flight will surely be more valuable than points or miles that you will never use. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. 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. Among other benefits, this card comes with $200 in travel credits each year for incidentals such as baggage fees. Banks and other card issuers can set these levels independently and arent as stringent with their requirements. 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. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. 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. 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. How do credit cards make money if you don't pay interest? Our points-obsessed staff uses a plethora of credit cards on a daily basis. We can create a custom cross-platform; web-based one build for every device solution. Today, I will be comparing the American Express AeroplanPlus Platinum Card, CIBC Aerogold Visa Infinite Privilege and TD Aeroplan Visa Infinite Privilege Card. American Express Gold Card: See Rates and Fees. There are a few cards that can be counted as competitors to the Platinum card. WebWinner: Platinum Card Concierge wins even if they provided the same number of recommendations as Visa Infinite Concierge. Amex Platinums fee is higher, but you also get 40,000 more points with 2,000 more in purchases. This bonus value is an estimated valuation. What matters is how long it took for each concierge service to complete my full request. I am not a financial adviser. 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. 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. Cash back credit cards offer flexibility by giving you several ways to redeem your rewards. Which is Better Visa Platinum or Visa Infinite? 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. $189 CLEAR Credit: CLEAR uses biometrics to assign you a touchless ID, allowing you to move faster through security at select airports and stadiums across the U.S. You can cover the cost of a CLEAR membership with up to $189 in statement credits per calendar year after you pay for CLEAR with your Business Platinum Card. I called the Chase, Amex and Citi concierges roughly three weeks before my departure and asked them for help with five relatively simple questions: While I ended up getting a lot of useful information for my trip, each of the three responses had some serious pluses and minuses. 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. Discover hundreds of deals, discounts and privileges. Earn 1.5X points (thats an extra half point per dollar) 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. It has a $99 annual fee, but the fee is waived for the first 12 months. That day came with no email, so I pinged them on June 15. However, would an American Express Platinum Alternative be better for you? 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. They even gave us a heads-up that one of the restaurants gets booked up quickly, so reservations are recommended. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Your status as a cardmember gets you a 25% discount on inflight food and drinks as well. 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. 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. Visa and Mastercard have traditionally been the main contenders with acceptance at 10.7 million U.S. retailers. It will NOT be published. A credit score of 700 and above is considered as ideal. Jim Wang is a forty-something father of four who is a frequent contributor to Forbes and Vanguard's Blog. Just to be safe, the bestbet when traveling abroad is to have a Visa or Mastercard in your wallet. And you can transfer the miles to one of 15+ Capital One partner travel loyalty programs. 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. This blog has partnered with CardRatings for our coverage of credit card products. You won't earn rewards with the U.S. Bank Visa Platinum Card. join our free newsletter and join 25,000+ subscribers learning how to make more money, invest better, enjoy more of life with our 100% free newsletter. More information. Click here to see a list of advertisers that we work with. Visa Signature benefits are less exclusive and apply to a much larger range of cards, including popular travel credit cards and cash-back credit cards. Youll also get a $300 statement credit for eligible purchases at hotels participating in the Marriott Bonvoy program. The Visa Platinum is the second tier of the four Visa credit card types. 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. 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. 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. American Express AeroplanPlus If you want a card specific to the hotel or airline you frequently use, you might be restricted to certain networks. With Visa Infinite Privilege, you can enjoy Global Airport Lounge Access with 6 complimentary passes, and other great benefits at select airports in Canada. No Foreign Transaction Fees. When you spend more than $20,000 in purchases during the year and then renew your card, youll get a $125 American Airlines discount. How can I pay my mortgage off without refinancing? 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. Global customer assistance. Flights booked directly with the airlines and flights and hotel stays booked directly with Amex Travel earn 5x points. WebWinner: Platinum Card Concierge wins even if they provided the same number of recommendations as Visa Infinite Concierge. At face value, there appears to be no difference between the types of services offered. 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. 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. U.S. Bank Altitude Reserve Visa Infinite Card. Theres no lounge access, credits for designated retail purchases, or access to features like early check-in at higher end hotels. Considered as ideal better for you you several ways to redeem your rewards quickly... Lounge access, credits for designated retail purchases, or reviewed by credit! 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