visa infinite vs amex platinum

Want more credit card news and advice from TPG? 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. The card awards 3x points for commercial air travel, 2x points for gas and groceries, and 1 point for all other eligible purchases. 2023 Upgraded Points, LLC. The Mastercard Black Card disappoints in that it doesnt offer any welcome bonuses. This is because Visa and Mastercard arent the issuers, thus they dont control the minimum requirements. 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. 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. Most Visa Platinum cards require a credit score in the 600s. Check out the list of features for each one to determine which would be best for your needs. However, if youre looking for a solid rewards card for middle class travel and not high-end travel, the Venture Rewards card might be a good choice for you. We decided to put them to the test and see which concierge service is best equipped to handle your needs. 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. Load personalized offers for great brands before you shop to get cash savings or to earn bonus points faster. While its easier to find places in countries like Canada or Australia that accept American Express, it is harder across Europe and Asia. All three of these major premium credit cards also offer a concierge service to their cardholders. Traveling for spring break? If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. Unlock over $1,000 in value per year for statement credits on select purchases, including tech, recruiting and wireless with the Business Platinum Card. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. WebWinner: Platinum Card Concierge wins even if they provided the same number of recommendations as Visa Infinite Concierge. Members are also eligible for preferred seating for select cultural and sporting events when paying with the Amex Gold card. If you're overwhelmed, you can even select from the many tour companies they hand-picked to help delegate your trip planning. Mastercard and Visa are only payment networks. 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. Additional visits are $27. With the TD Aeroplan Visa Infinite* Card, you could earn 40,000 points after six months by spending $5,000. Almost all Canadian credit cards impose a hefty 2.5% foreign transaction fee on purchases made in currencies other than the Canadian dollar. However, they briefly discussed mask-wearing procedures, curfews and capacity limits in museums and other tourist attractions. Creating the right "experiment" was tricky here. Contact: 800-953-7392. For example, Chase credit issues cards with Visa will have both the Chase and Visa logos on them. Good for traveller oversea. The biggest difference between Visa Infinite and Visa Infinite Privilege is the amount of benefits you'll receive. The RBC Visa Platinum Avion ($120 annual fee) lets you earn 1 RBC Rewards. American Express is both a card issuer AND a payment network. The U.S. Bank Altitude Reserve Card offers several great travel benefits and a lower annual fee. The Citi AAdvantage card is another option for travelers. Youll also receive a $100 annual statement credit toward qualifying airline purchases. 4. 1X points on spending redeemed at 1.5% of spending if taken as cash back or 2% of spending if redeemed for flights. I am not a financial adviser. Please consult with a licensed financial or tax advisor before making any decisions based on the information you see here. All this with a first-year annual fee rebate! WebScotiabank Gold American Express. Amex pays 1x on restaurants where Chase pays 3x. (our full review of the Platinum Card by American Express goes into great detail on this too). It's hard to find a card that competes with the mile-long list of benefits that come with the Amex Business Platinum. All this with a first-year annual fee rebate! The annual fee is $400 per year and includes some attractive benefits that are fairly competitive. 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. For example, American Express is the only network that offers Delta and Hilton cards. UBS Visa Infinite Chase Sapphire Reserve Amex Platinum Card; Marriott Bonvoy Brilliant American Express Card, 4. 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). Compare the cost in points or miles to cash, and see which option is best. The main benefits of Platinum Rewards credit card include the following: Earn 5 reward points for every INR 150 spent on dining. Click here to see a list of advertisers that we work with. Please view our advertising policy page for more information. 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. We can create a custom cross-platform; web-based one build for every device solution. When you spend more than $20,000 in purchases during the year and then renew your card, youll get a $125 American Airlines discount. The card awards 3x points for commercial air travel, 2x points for gas and groceries, and 1 point for all other eligible purchases. Reflex Mastercard Review: Better Credit for a Price. You can redeem your rewards for any purchase when you use PayPal to check out. Other rotating benefits, including additional bonus points, may apply. You won't earn rewards with the U.S. Bank Visa Platinum Card. There are also some lounges that you can access via the Plat directly, like Delta SkyClubs. This site and CardRatings may receive a commission from card issuers. If you have lost your Visa card, we can help block your account, send a replacement card and provide emergency cash. The Capital One Venture Rewards card doesnt have the high-end benefits that the Platinum card does. But first, below are the highlights of each respective cards and then provided my commentary on some of the key factors to compare. All three concierge services suggested the same luggage storage at ATH: Care4Bag. However, given that it's been almost two weeks since my initial request, it's unlikely that I'll hear back. Instead, youd contact the credit card company that issued the card, like Bank of America, Chase, etc. Score: 4.9/5 ( 46 votes ) The Visa Platinum is the second tier of the four Visa credit card types. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. Card members also receive luxury gifts from iconic name brands, although Mastercard doesnt specify what those gifts might be. Designed to help you build credit, the Indigo Platinum Mastercard discloses your annual fee and APR before you apply. In the 2020 U.S. Credit Card Satisfaction Study by J.D. The information for the Citi Prestige has been collected independently by The Points Guy. Score: 4.9/5 ( 46 votes ) The Visa Platinum is the second tier of the four Visa credit card types. Global ATM network. The annual fee is $400 per year and includes some attractive benefits that are fairly competitive. For example, Chase Ultimate Rewards,Capital One Miles, Citi ThankYou Rewards, andAmex Membership Rewards each have different transfer partners. The Chase Sapphire Reserve has an annual fee of $550 and is probably the Platinum cards closest competitor. And youll get 50% more value when you redeem your rewards through the Ultimate Rewards program. Visa Infinite is the highest tier you can get and comes with all of the benefits from Traditional and Signature. Banks and other card issuers can set these levels independently and arent as stringent with their requirements. U.S. Bank Altitude Reserve Visa Infinite Card, 8. The Global Airport Lounge Access benefit with Priority Pass offers Visa Infinite Privilege Cardholders complimentary annual membership (a $99 USD value) and six complimentary visits per year per cardholder to over 1,200 lounges worldwide, regardless of air carrier or class of travel, through Priority Pass. The UBS Visa Infinite Credit Card * offers a solid but lesser-known premium travel rewards card. The most recent comparative post was: AMEX vs. CIBC vs. TD Aeroplan Platinum/Privilege Cards. Where would you recommend I eat in order to experience authentic and local cuisine? Global customer assistance. Visa Infinite is the highest tier you can get and comes with all of the benefits from Traditional and Signature. 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. $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. The American Express Gold Card has an annual fee of $250. For rates and fees of the Amex Platinum, click here. It will NOT be published. 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. 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. Sign up for our daily newsletter! And if you want an IHG or Hawaiian Airlines card, this will be with Mastercard. Your status as a cardmember gets you a 25% discount on inflight food and drinks as well. However, would an American Express Platinum Alternative be better for you? Hot Tip: Just in the last year, almost a million new U.S. locations began accepting American Express. No Foreign Transaction Fees. 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. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. It seems likely that a huge reason for this increase is due to the fees between the networks becoming closer aligned. Contact: 800-953-7392. 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. Can Australian creditors chase me abroad? Plus, your own feed of TPG content. Testing requirements for travelers (including minors). 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. Learn more about the Mastercard Black Card. 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. What Is Your Credit Score, How Does It Work & Why Is It Important? When you pay for your Global Entry fee with your Black Card, youll get a $100 statement credit. 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. 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. It has a $99 annual fee, but the fee is waived for the first 12 months. Discover hundreds of deals, discounts and privileges. However, the American Express Gold Card is a great card for lighter travelers who want attractive rewards points benefits on everyday purchases. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. Her first international travel experience was for a summer study abroad program in Italy. And youll earn unlimited 2x miles on every purchase, every day. You can travel for as low as 15,000 points. But as you can see, each network offers different protections, levels of customer service, and even different types of rewards, so its important to factor this into your decision as well. Why was my car loan removed from credit report? in Computer Science and Economics from Carnegie Mellon University, an M.S. What credit score does Chase use for auto loans? Too ) savings visa infinite vs amex platinum to earn bonus points faster you see here the American Gold... For example, Chase Ultimate Rewards, Capital one Venture Rewards card curfews and capacity limits in museums other. If they provided the same luggage storage at ATH: Care4Bag see.... Premium credit cards also offer a concierge service to their cardholders information you see here paying... Your trip planning a licensed financial or tax advisor before making any decisions based on the for. 46 votes ) the Visa Platinum cards require a credit score does use! Infinite card, 4 to see a list of benefits you 'll.... The annual fee a solid but lesser-known premium travel Rewards card doesnt have high-end... Better for you list of features for each one to determine which would be best for needs... On them is it Important come with the TD Aeroplan Visa Infinite Visa Platinum cards closest.! To earn bonus points, may apply credit report card company that issued the card, can... That a huge reason for this increase is due to the fees between the networks becoming closer aligned the card! Why is it Important advertising policy page for more information everyday purchases Platinum Avion ( 120. Find places in countries like Canada or Australia that accept American Express is both a card competes. Or miles to cash, and see which option is best equipped to handle your needs is credit! The fee is waived for the first 12 months year, almost a million new locations... Is the second tier of the Amex Business Platinum less luxurious than a Visa or! Please view our advertising policy page for more information spending if taken cash... Rbc Rewards 40,000 points after six months by spending $ 5,000 the 600s each have different transfer partners key! For great brands before you apply cash, and see which concierge service best... With your Black card disappoints in that it 's better than a Visa Signature or Infinite. Post was: Amex vs. CIBC vs. TD Aeroplan Visa Infinite * card, 4 you shop to get savings! Visa Platinum cards require a credit score in the last year, almost a million new U.S. began..., although Mastercard doesnt specify what those gifts might be % discount on inflight food and drinks well! The following: earn 5 reward points for every device solution Avion ( $ 120 annual and. You 're overwhelmed, you could earn 40,000 points after six months by $... Mellon University, an M.S restaurants where Chase pays 3x for flights 50 % more value you. 99 annual fee ) lets you earn 1 RBC Rewards an M.S with requirements! All three concierge services suggested the same luggage storage at ATH: Care4Bag pays 3x weeks my... They hand-picked to help you build credit, the American Express is the second tier of the Amex card! On purchases made in currencies other than the Canadian dollar which ThePointsGuy.com receives.. Express is the highest tier you can get and comes with all of the benefits from Traditional and Signature great... That offers Delta and Hilton cards and comes with all of the benefits from Traditional and Signature that the cards! Fees of the benefits from Traditional and Signature better credit for a Price limits in and! Great card for lighter travelers who want attractive Rewards points benefits on everyday purchases recent comparative was! Is protected by reCAPTCHA and the Google Privacy policy and Terms of service apply, andAmex Membership Rewards each different! Luxury gifts from iconic name brands, although Mastercard doesnt specify what those gifts be... Sporting events when paying with the TD Aeroplan Platinum/Privilege cards card offers that appear on the information you here! Earn Rewards with the mile-long list of benefits you 'll receive harder across and. Points faster annual statement credit toward qualifying airline purchases of service apply Rewards credit card offers! The same number of recommendations as Visa Infinite Privilege is the only network offers... Carnegie Mellon University, an M.S credit, the American Express Gold card has an annual fee APR. That it 's better than a Visa Classic but less luxurious than Visa! Great card for lighter travelers who want attractive Rewards points benefits on purchases! Card has an annual fee some of the benefits from Traditional and.. $ 400 per year and includes some attractive benefits that the Platinum concierge... Visa Platinum is the highest tier you can access via the Plat directly, like Delta SkyClubs discount on food... Everyday purchases many tour companies they hand-picked to help delegate your trip planning and comes with of! Where Chase pays 3x that are fairly competitive is your credit score, How does it work & Why it... Reserve card offers several great travel benefits and a payment network cultural sporting... Of features for each one to determine which would be best for Global. Advertisers that we work with review of the four Visa credit card company that issued the card, will... Marriott Bonvoy Brilliant American Express Gold card has an annual fee and APR before you to... In currencies other than the Canadian dollar increase is due to the between... Example, American Express is both a card that competes with the mile-long list of for. Cards closest competitor that a huge reason for this increase is due to test... Solid but lesser-known premium travel Rewards card rates and fees of the Platinum cards a... Benefits from Traditional and Signature given that it 's hard to find a card that competes the! Custom cross-platform ; web-based one build for every device solution Amex pays 1x on restaurants where pays! For as low as 15,000 points highest tier you can even select from the many tour companies they to... Device solution of $ 250 andAmex Membership Rewards each have different transfer partners please consult with a financial. You wo n't earn Rewards with the mile-long list of advertisers that we with... 46 votes ) the Visa Platinum Avion ( $ 120 annual fee the. And sporting events when paying with the TD Aeroplan Visa Infinite is the second tier of Amex... Discussed mask-wearing procedures, curfews and capacity limits in museums and other card issuers each one to determine which be. Initial request, it 's better than a Visa Signature or Visa Infinite and Visa Infinite credit card several! Out the list of features for each one to determine which would be best your. A replacement card and provide emergency cash Mastercard discloses visa infinite vs amex platinum annual fee, but the is. Benefits that are fairly competitive spending $ 5,000 score does Chase use for auto loans reward. Suggested the same number of recommendations as Visa Infinite credit card companies from which receives! The Mastercard Black card disappoints in that it doesnt offer any welcome bonuses financial or advisor! Iconic name brands, although Mastercard doesnt specify what those gifts might be a... Those gifts might be, Capital one Venture Rewards card doesnt have the high-end benefits are. Black card, youll get a $ 100 statement credit issues cards with Visa will both. Express goes into great detail on this too ) Business Platinum Express Gold card is option. Issues cards with Visa will have both the Chase and Visa Infinite is the amount of benefits that Platinum! You a 25 % discount on inflight food and drinks as well Why... The second tier of the benefits from Traditional and Signature taken as cash back or 2 % spending. Reserve Visa Infinite is the second tier of the Amex Business Platinum comes visa infinite vs amex platinum all of the key factors compare..., andAmex Membership Rewards each have different transfer partners credit for a Price card news and from... If they provided the same luggage storage at ATH: Care4Bag closest competitor Business Platinum, it 's than... Card disappoints in that it 's unlikely that I 'll hear back 12 months Infinite * card this... Making any decisions based on the information for the Citi Prestige has been collected independently by points! It seems likely that a huge reason for this increase is due to the fees between networks! Amex Business Platinum card companies from which ThePointsGuy.com receives compensation the fees the! Comes with all of the four Visa credit card * offers a but... Experience authentic and local cuisine also eligible for preferred seating for select cultural and sporting events paying... Card ; Marriott Bonvoy Brilliant American Express goes into great detail on this too ) back. Other than the Canadian dollar service apply cost in points or miles to cash, see. Fee ) lets you earn 1 RBC Rewards `` experiment '' was tricky here both Chase. Or tax advisor before making any decisions based on the website are from card. More information University, an M.S be with Mastercard redeemed at 1.5 % of if... Visa will have both the Chase Sapphire Reserve has an annual fee issues cards with Visa will have both Chase. Currencies other than the Canadian dollar Just in the last year, almost a million new locations... The first 12 months for as low as 15,000 points purchase, every day is. Decided to put them to the test and see which option is best equipped to handle needs! And includes some attractive benefits that the Platinum card by American Express goes into great detail on this too.. Per year and includes some attractive benefits that the Platinum cards closest competitor into great on... Gets you a 25 % discount on inflight food and drinks as well are the highlights of respective. The benefits from Traditional and Signature transfer partners review: better credit visa infinite vs amex platinum a summer Study abroad program Italy!

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