Contact: 800-953-7392. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. What are the current COVID-19 restrictions and regulations to be wary of? Editorial Disclosure:The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). WebWinner: Platinum Card Concierge wins even if they provided the same number of recommendations as Visa Infinite Concierge. 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. 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. P.O. An up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years, Up to $400 annual credit for eligible U.S. Dell purchases (enrollment required), Gold status at Marriott and Hilton hotels (enrollment required), Access to the Fine Hotels & Resorts program and Hotel Collection, International Airline Program and Cruise Privileges Program, Difficulty meeting $15,000 welcome offer for smaller businesses, Limited high-bonus categories outside of travel. Earn 5 reward points for every INR 150 spent on fuel. In the. However, this is incorrect since the Uber credit can't be used abroad. Your RBC Avion Visa Infinite card is the travel card that caters to your every need, at home and away. 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. So what does that mean for you? 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. Verdict: Once the $200 travel credit is taken into account, the Platinum Cards price point is more favourable. 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. How does this compare to the American Express Platinum card? They provided tons of options that made me want to turn my layover into a full-blown trip to Athens. Thats significantly lower than the Amex Platinum offer, though the spending requirement to earn the bonus is also lower. As mentioned, the annual fee for the Amex Platinum card is $695. I did receive information about the suburban railroad as another option into the city. 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. Good for traveller oversea. 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. American Express AeroplanPlus They also offer financial planning, such as a Retirement Planning Tool that can tell you if you're on track to retire when you want. A payment network processes transactions, meaning it transfers funds from the card issuer to the merchant. With the TD Aeroplan Visa Infinite* Card, you could earn 40,000 points after six months by spending $5,000. You might be able to qualify for some with a score in the very high 500s. Youll also get a $10 per month Uber credit when you add your Amex Gold card to your Uber account. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. The credit applies to both Uber rides and UberEats purchases. Box 323 Platinum Card Concierge also included contact information for tourist offices in case of an emergency. However, if you plan to travel internationally, a Visa or Mastercard may be a better option for you. Having a platinum credit card used to mean that your credit card was more exclusive and elite than a normal credit card. And youll earn 10x points on hotels and car rentals purchased through the program. Visa Signature Concierge Service. 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. Thats significantly lower than the Amex Platinum offer, though the spending requirement to earn the bonus is also lower. On the other hand, if youre okay with semi-frequent travel and more mainstream dining and other purchases, youll do just fine with one of the other alternative cards mentioned here. (our full review of the Platinum Card by American Express goes into great detail on this too). Most Visa Platinum cards require a credit score in the 600s. However, they briefly discussed mask-wearing procedures, curfews and capacity limits in museums and other tourist attractions. With the TD Aeroplan Visa Infinite* Card, you could earn 40,000 points after six months by spending $5,000. Now, work has her living in San Diego with her husband, daughter, and yellow lab. This site does not include all credit card companies or all available credit card offers that are on the market. 2. 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. The American Express Global Lounge Collection can provide an escape at the airport. 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. How does this compare to the American Express Platinum card? Amex Platinums fee is higher, but you also get 40,000 more points with 2,000 more in purchases. Unfortunately, American Expresss international acceptance is much lower than its competitors. 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. The Capital One Venture Rewards card doesnt have the high-end benefits that the Platinum card does. If you have a specific card in mind, you will not have a choice as to which network your card will be in. Marriott Bonvoy Brilliant American Express Card: See Rates and Fees. 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. 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. Visa Platinum card is the choice of consumers who want more from their cards. 4. The Infinite card offers accelerated cash back rates: 4% for grocery store purchases, 2% for gas, and 1% for daily transit purchases. Which is Better Visa Platinum or Visa Infinite? What credit score does Chase use for auto loans? Partnerships with other retailers like HBC and Petro-Canada, excellent travel insurance, and the 35,000 bonus points on sign-up sweeten the pot. This is because Visa and Mastercard arent the issuers, thus they dont control the minimum requirements. What Is Your Credit Score, How Does It Work & Why Is It Important? Luckily, her husband worked at Southwest Airlines, so they were introduced to the exciting world of non-rev travel. Two of the most popular credit card families are AMEX and Chase, and both are known for their reward points. Compare the cost in points or miles to cash, and see which option is best. Find the right card for you. The Visa Platinum is the second tier of the four Visa credit card types. "Visa Infinite" is a package of superpremium benefits available on certain cards that carry the Visa label. This would certainly be my best option since I would have minimal luggage with me. 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. No responsibility will be taken by the bank advertiser for these comments. All Rights Reserved. We know that choosing a credit card based on the credit card issuer and the features of the specific card is probably a bigger consideration than choosing based on the credit card processing network. There are a few cards that can be counted as competitors to the Platinum card. Check here before booking an award fare. Score: 4.9/5 ( 46 votes ) The Visa Platinum is the second tier of the four Visa credit card types. Rs. 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. Terms apply to the offers listed on this page. The American Express Gold Card has an annual fee of $250. It's free. Avion is a bank-specific frequent flyer program operated by the Royal Bank of Canada (one of Canada's Big Five banks). This post contains references to products from one or more of our advertisers. Most Visa Platinum cards require a credit score in the 600s. 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 card awards 3x points for commercial air travel, 2x points for gas and groceries, and 1 point for all other eligible purchases. Visa Infinite Concierge divided their answer into two parts. It's the top tier within Visa's three levels of benefits, tailored to high-net-worth cardholders. Jim Wang is a forty-something father of four who is a frequent contributor to Forbes and Vanguard's Blog. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. Mastercard and Visa are only payment networks. 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. The RBC Visa Platinum Avion ($120 annual fee) lets you earn 1 RBC Rewards. The Citi Premier card is a nice card for infrequent or domestic travelers not interested in luxury benefits. The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. You might be able to qualify for some with a score in the very high 500s. These fees do have to be charged to your Platinum card, and the credits only apply to your pre-selected airline. When comparing all 3 networks, there is 1 main difference between American Express and Mastercard/Visa. It has an annual fee of $0 and also charges no foreign transaction fees. Visa and Mastercard have traditionally been the main contenders with acceptance at 10.7 million U.S. retailers. The U.S. Bank Altitude Reserve Card offers several great travel benefits and a lower annual fee. How can I pay my mortgage off without refinancing? Most Visa Platinum cards require a credit score in the 600s. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. Now, there are platinum credit cards offered for every level of creditworthiness, from bad to excellent, and the word platinum has more to do with marketing than a card's benefits and features. Finding a PCR test to return to the traveler's home country. Thats better than American Express. Your status as a cardmember gets you a 25% discount on inflight food and drinks as well. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). AMEX Plat's PP Select gets you unlimited visits, but guests are $29. Therefore, you will get more points with it than with the 1.5 points of the TD card. In addition, youll get $179 in Clear Credit when you pay for your Clear membership with your card. For an all-in-one solution towards many of lifes common expenses, the Scotiabank Passport Visa Infinite Card packs quite a punch. There are no foreign transaction fees with the Citi Premier card, but other than that you wont find much in the way of additional travel benefits such as Global Entry or TSA Precheck credits or access to airport lounges. Thats better than American Express. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. Which is Better Visa Platinum or Visa Infinite? 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. Thats significantly lower than the Amex Platinum offer, though the spending requirement to earn the bonus is also lower. There is a chance that I could receive a follow-up email from them in the near future. At the bottom of the guide, I got insight into clothing etiquette, personal safety, Athens' cultural calendar and more. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. In addition, the card offers special access to tickets (including presale tickets) for thousands of events including sporting events, concerts, dining experiences, and more. 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visa infinite vs amex platinum