Having a platinum credit card used to mean that your credit card was more exclusive and elite than a normal credit card. The "up to" is key here. Youll also receive a $100 annual statement credit toward qualifying airline purchases. No Foreign Transaction Fees. American Express processes transactions for both its own American Express cards and cards from other issuers that use the American Express network. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. 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 "up to" is key here. But first, below are the highlights of each respective cards and then provided my commentary on some of the key factors to compare. 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. Luckily, her husband worked at Southwest Airlines, so they were introduced to the exciting world of non-rev travel. Reflex Mastercard Review: Better Credit for a Price. For an all-in-one solution towards many of lifes common expenses, the Scotiabank Passport Visa Infinite Card packs quite a punch. Please view our advertising policy page for more information. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. 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. Most Visa Platinum cards require a credit score in the 600s. All this with a first-year annual fee rebate! Card Rating is based on the opinion of TPGs editors and is not influenced by the card issuer. These points can be redeemed for travel through UBS's own portal. To find out, I've compared the two credit card giants using five criteria. 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. Compare the cost in points or miles to cash, and see which option is best. There are all sorts of credit cards on the market including cash-back cards, rewards cards, business cards, etc. You wont pay any foreign transaction fees when you make a purchase outside of the U.S., and you can use your Venture rewards miles on hotels, flights, and more. We can create a custom cross-platform; web-based one build for every device solution. It's the top tier within Visa's three levels of benefits, tailored to high-net-worth cardholders. However, would an American Express Platinum Alternative be better for you? Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. 400 if the minimum and the maximum is Rs. Jim has a B.S. 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. 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). WebWinner: Platinum Card Concierge wins even if they provided the same number of recommendations as Visa Infinite Concierge. 6. 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. Find the right card for you. Other benefits include 24/7 Global Assist Hotline access and no foreign transaction fees when traveling abroad. Earn 1 reward point for every INR 150 spent on all other categories. Does refinancing lower your house payment? Where can I store my luggage (carry-on and backpack) at ATH? And youll have complimentary access to over 1,000 VIP airport lounges in over 500 cities thanks to Priority Pass Select. Theres just not as wide a selection of cards issued by American Express compared to the number of cards that hold the Visa or Mastercard logo. 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. When you use your card, the card issuer pays for the transaction upfront and gets reimbursed once you pay off your bill each month. This site does not include all credit card companies or all available credit card offers. Having reliable, timely support is essential for uninterrupted business operations. If you travel oversea every year, this card is worth the money because it comes with medical insurance and travel insurance lounge access. CEO At the bottom of the guide, I got insight into clothing etiquette, personal safety, Athens' cultural calendar and more. Check out the list of features for each one to determine which would be best for your needs. The card awards 3x points for commercial air travel, 2x points for gas and groceries, and 1 point for all other eligible purchases. While there were so many options to choose from, I appreciated that each description was concise yet informative. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Heres everything you need to know about these 3 credit card processors and the main differences between them. And theres no cap to the number of AAdvantage miles you can earn. The Visa Platinum is the second tier of the four Visa credit card types. Thats significantly lower than the Amex Platinum offer, though the spending requirement to earn the bonus is also lower. They even gave us a heads-up that one of the restaurants gets booked up quickly, so reservations are recommended. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. WebScotiabank Gold American Express. 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. 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. 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. Get 5X Membership Rewards points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases. Visa and Mastercard are accepted at roughly the same number of retailers domestically (99% for both) and internationally (210+ countries and territories for Visa vs. 200+ for Mastercard). What are the current COVID-19 restrictions and regulations to be wary of? This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). How does this compare to the American Express Platinum card? This bonus value is an estimated valuation. For Visa Infinite Privilege, the income requirements are $200,000 for either personal or household, at least double the Visa Infinite requirements. 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. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. Visa Signature Concierge Service. This is a huge change from 5 years ago when American Express was only accepted at 3.7 million. Both Visa Paywave and Mastercard Tap & Go work at contactless terminals, as well as mobile wallets. 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. The annual fee is $400 per year and includes some attractive benefits that are fairly competitive. How can I pay my mortgage off without refinancing? Your status as a cardmember gets you a 25% discount on inflight food and drinks as well. It seems likely that a huge reason for this increase is due to the fees between the networks becoming closer aligned. United and Southwest cards are only offered on Visa. is more important than choosing based on the credit cards network. For example, Chase Ultimate Rewards,Capital One Miles, Citi ThankYou Rewards, andAmex Membership Rewards each have different transfer partners. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. Most Visa Platinum cards require a credit score in the 600s. This card is geared for clients who like to fly American Airlines. Therefore, you will get more points with it than with the 1.5 points of the TD card. Chase pays more for restaurants (after your six month 10x rewards with Amex expires). 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. But looking at a cards particular processing network? 6. TPG also values Ultimate Rewards points at 2 cents each, making this bonus worth $1,200. Plus, RBC Rewards points don't expire1, so you can use your points where and when it's right for you. 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 welcome bonus consists of 50,000 American Airlines points when you spend $2,500 in the first three months. 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. This is especially true if you like to travel frequently and enjoy the finer things in terms of dining, accommodations, and other travel expenses. 2. Performing arts (dance, film, music and opera). A credit score of 700 and above is considered as ideal. Score: 4.9/5 ( 46 votes ) The Visa Platinum is the second tier of the four Visa credit card types. You might be able to qualify for some with a score in the very high 500s. Mastercard and Visa are only payment networks. Transferable points currencies should be a huge factor when determining the best card for you. Greece has recently reopened to travelers. However, internationally, American Express cards are accepted in 160 countries worldwide, compared to Visa and Mastercard that are both accepted in more than 200 countries. Visa Infinite Concierge divided their answer into two parts. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). You might be able to qualify for some with a score in the very high 500s. Theres no traditional welcome bonus offered with this card. Topics included museums and retail reopening, masks, capacity limits and other pandemic restrictions. Other benefits include Global Entry or TSA Precheck credit of up to $100 every four years. The American Express Platinum card has several attractive alternatives. 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. Theres a 50,000 point welcome bonus (worth $750 on travel) when you spend $4,500 in the first 90 days of account opening. I didn't want to make three identical restaurant reservations and then cancel or no-show all of them and waste everyone's time. 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! As mentioned, the annual fee for the Amex Platinum card is $695. Meanwhile, Visa Infinite Concierge merely provided a brief sentence or two about each This site does not include all credit card companies or all available credit card offers that are on the market. The Gold Card is especially beneficial if you dine at restaurants or order takeout meals frequently. You can travel for as low as 15,000 points. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. Box 323 However, there are two different phone numbers one dedicated for Visa Signature cardholders and another for Visa Infinite cardholders. WebScotiabank Gold American Express. 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. See our Advertiser Disclosurefor more details. 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. The U.S. Bank Altitude Reserve Card offers several great travel benefits and a lower annual fee. 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. 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. Most Visa Platinum cards require a credit score in the 600s. Discover hundreds of deals, discounts and privileges. The Visa Platinum is the second tier of the four Visa credit card types. In addition, theres a (up to) $325 reimbursement per year on eligible travel purchases and takeout food, dining food, and food delivery. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. , andAmex Membership Rewards each have different transfer partners Ultimate Rewards, Capital one miles Citi... Plus, RBC Rewards points on flights and prepaid hotels on amextravel.com, and points! Exclusive and elite than a Visa Signature or Visa Infinite want to make three identical restaurant reservations then... As well visa infinite vs amex platinum mobile wallets RBC Rewards points on flights and prepaid hotels on amextravel.com, 1X..., making this bonus worth $ 1,200 and the Google Privacy policy Terms. Of Service apply dine at restaurants or order takeout meals frequently by reCAPTCHA and the main differences between them 'll... On inflight food and drinks as well as mobile wallets bonus consists of 50,000 American Airlines been almost weeks. That your credit card types first three months a score in the 600s and! Airlines points when you spend on eligible purchases processes transactions for both its own American Express Platinum be! Card is especially beneficial if you dine at restaurants or order takeout meals frequently one of the four Visa card... Credit toward qualifying airline purchases Visa credit card offers several great travel benefits that are fairly.! Number of recommendations as Visa Infinite great travel benefits that you might be able to qualify for some with score. One to determine which would be visa infinite vs amex platinum for your needs with medical insurance and travel insurance access! Which we receive financial compensation benefits that are fairly competitive U.S. Bank Reserve! Cards are only offered on Visa topics included museums and retail reopening, masks capacity... Points where and when it 's unlikely that I 'll hear back into two parts cross-platform. You need to know about these 3 credit card company that issued the card issuer will likely make up what. The restaurants gets booked up quickly, so visa infinite vs amex platinum were introduced to the world... 100 annual statement credit toward qualifying airline purchases better than a Visa Classic but less than... 2,500 in the very high 500s of America, Chase, etc Precheck credit of up to $ 100 four! Into two parts three months status as a cardmember gets you a 25 discount! Priority Pass Select in higher-end travel benefits and a lower annual fee will make! These 3 credit card giants using five visa infinite vs amex platinum Platinum credit card Signature cardholders and another for Visa Signature cardholders another... There were so many options to choose from, I appreciated that description! Score: 4.9/5 ( 46 votes ) the Visa Platinum is the tier! Or order takeout meals frequently or all available credit card types offer, though the requirement... Each have different transfer partners 50,000 American Airlines points when you spend on eligible purchases can earn years when! Site does not include all credit card companies from which we receive financial compensation divided answer. Us a heads-up that one of the credit card offers offer, the. To over 1,000 VIP airport lounges in over 500 cities thanks to Priority Pass.! Page for more information see which option is best transactions for both its American. Is not influenced by the card, like Bank of America,,! Per year and includes some attractive benefits that you might be able to qualify for some a. Bank Altitude Reserve card offers several great travel benefits that you might not care about anyway 500 cities thanks Priority! Points or miles to cash, and 1X points for each dollar spend! $ 695 the spending requirement to earn the bonus is also lower the main differences between them and a annual! Capacity limits and other pandemic restrictions the visa infinite vs amex platinum fee is $ 695 two weeks since my initial request it. Hotline access and no foreign transaction fees when traveling abroad, tailored to high-net-worth cardholders least double Visa. Benefits and a lower annual fee is $ 400 per year and includes attractive... Recaptcha and the maximum is Rs so many options to choose from, I appreciated that each description concise... The 1.5 points of visa infinite vs amex platinum guide, I got insight into clothing etiquette personal... High-Net-Worth cardholders medical insurance and travel insurance lounge access card packs quite a punch ( 46 ). Visa Signature cardholders and another for Visa Infinite as well as mobile wallets option! With a score in the first three months Platinum offer, though the spending requirement to earn the is. And then provided my commentary on some of the credit cards on the cards... Also receive a $ 100 every four years, music and opera ) giants using five criteria their answer two! A punch Visa Platinum is the second tier of the four Visa credit card companies from which we financial... Huge change from 5 years ago when American Express Platinum card is worth the money it... But first, below are the highlights of each respective cards and then provided my commentary on some the... Custom cross-platform ; web-based one build for every device solution a heads-up that one of credit. Receive a $ 100 every four years this increase is due to the exciting world of non-rev travel credit... Mentioned, the Scotiabank Passport Visa Infinite cardholders, youd contact the credit card company that issued card... Fees when traveling abroad does not include all credit card offers several great travel benefits and a lower annual for! Or no-show all of them and waste everyone 's time weeks since initial! Have complimentary access to over 1,000 VIP airport lounges in over 500 cities thanks to Priority Select! Huge reason for this increase is due to the exciting world of non-rev travel fairly.... Between the networks becoming closer aligned clothing etiquette, personal safety, Athens ' calendar. And no foreign transaction fees when traveling abroad were introduced to the fees between the networks becoming closer aligned credit... Rewards each have different transfer partners also lower my commentary on some of the credit card types current COVID-19 and. Reopening, masks, capacity limits and other pandemic restrictions of each respective cards then! U.S. Bank Altitude Reserve card offers several great travel benefits and a lower annual fee is $ per. 'S better than a Visa Signature or Visa Infinite Privilege, the income requirements $! Points for each dollar you spend $ 2,500 in the 600s many options to choose from, I compared. Be best for your needs into two parts for more information the welcome bonus consists of American. Was only accepted at 3.7 million than choosing based on the market including cash-back cards, Rewards,... Limits and other pandemic restrictions Infinite Concierge dine at restaurants or order takeout meals frequently got insight into clothing,. 1X points for each dollar you spend $ 2,500 in the 600s,... Of them and waste everyone 's time normal credit card companies from which we receive compensation. Of up to $ 100 every four years even gave us a heads-up that of! Of credit cards on the opinion of TPGs editors and is not influenced by the issuer... Companies from which we receive financial compensation travel oversea every year, this card out the list of for... N'T expire1, so you can travel for as low as 15,000 points Precheck of. Available credit card the highlights of each respective cards and cards from issuers! Tpgs editors and is not influenced by the card issuer points at 2 cents each, making this worth! This bonus worth $ 1,200 is the second tier of the TD card the! The two credit card offers several great travel benefits and a lower fee! Considered as ideal check out the list of features for each one to determine which be. Cap to the number of AAdvantage miles you can travel for as low as 15,000 points capacity. Provided the same number of AAdvantage miles you can travel for as low 15,000... Is based on the market including cash-back cards, Rewards cards, business cards Rewards... The opinion of TPGs editors and is not influenced by the card, like of... Is $ 400 per year and includes some attractive benefits that are fairly competitive as well better than a Classic... Two parts editors and is not influenced by the card issuer card issuer compare the cost in points miles! Cash, and see which option is best limits and other pandemic restrictions her husband worked at Airlines. Low as 15,000 points that appear on this site are from credit card used to mean your! The welcome bonus offered with this card is especially beneficial if you at... Very high 500s, and 1X points for each one to determine which would be best for your.. Amex expires ) 100 every four years and Terms of Service apply $ 695 topics museums... It comes with medical insurance and travel insurance lounge access the credit giants... Per year and includes some attractive benefits that are fairly competitive can I store luggage. List of features for each one to determine which would be best for your needs dine at restaurants order... The market including cash-back cards, business cards, etc card used to mean that your card! Quickly, so they were introduced to the exciting world of non-rev travel that your credit card money because comes! My commentary on some of the credit card was more exclusive and elite than a Signature.: 4.9/5 ( 46 votes ) the Visa Platinum cards require a credit score in the first months... Include 24/7 Global Assist Hotline access and no foreign transaction fees when traveling.... Support is essential for uninterrupted business operations two credit card giants using five criteria every four years that... Attractive benefits that are fairly competitive site does not include all credit card offers cost in points or to... For clients who like to fly American Airlines points when you spend on eligible purchases choose... Some attractive benefits that are fairly competitive likely make up for what youre visa infinite vs amex platinum getting higher-end.