Best Credit Cards with Premium Concierge Services for January 2021
This article was last updated Dec 31, 2020. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.
If you travel on a regular basis, a credit card that offers complimentary concierge services to help arrange your trips can save you a lot of headaches. In addition to planning travel, credit card concierge services can also assist in making dining reservations, shopping for gifts, sending flowers and much more.
Just know, credit cards that offer concierge services are typically premium-level cards with hefty annual fees. However, if you take advantage of the card’s elite benefits, you can easily justify paying the higher annual fee.
We explain what you need to know about credit card concierge services, including which credit cards offer them and what services are provided.
- What is a concierge service?
- Which credit card issuers offer concierge services?
- Is a credit card with premium concierge service right for you?
What is a concierge service?
A concierge essentially acts as a personal assistant to help you make travel arrangements, book restaurant reservations, purchase tickets to entertainment events and more. There are a variety of concierge services available, including:
- Travel concierge services can help you plan itineraries, select accommodations and book other arrangements for business and leisure travel.
- A hotel concierge can arrange transportation, make dining reservations, suggest itineraries and more during your stay at the hotel.
- A medical concierge can assist you if there’s a medical crisis, including managing hospital admissions, doctor appointments, filing insurance claims and final bills.
- Lifestyle concierge services can help you with everyday responsibilities, such as running errands, managing your household and more.
- A shopping concierge, also known as a personal shopper, can offer assistance with your shopping needs, including sourcing difficult-to-find items, finding bargains, optimizing your wardrobe and more.
Some credit card issuers offer free, 24/7 concierge services as a benefit of your credit card. While issuers do not charge cardholders to use their concierge services, be aware that you will be responsible for any purchases, fees or shipping charges authorized by you to be charged to your account.
Also, hard-to-get tickets and reservations are not guaranteed, and the concierge service is not responsible for notifying a restaurant of any food allergies when suggesting or making reservations at restaurants.
Which credit card issuers offer concierge services?
Several issuers offer premium concierge services for their luxury cards, including:
American Express concierge services
American Express provides premium card members with complimentary concierge services 24 hours a day, seven days a week, to assist cardholders with purchasing gifts, making dinner reservations, arranging pet care, planning travel, getting tickets to concerts and sporting events and much more.
- The Platinum Card® from American Express and The Business Platinum Card® from American Express both offer Platinum Card® Concierge.
- The American Express® Gold Card offers Gold Concierge.
To access the concierge service, call the number on the back of your card and say “Concierge” when prompted.
The Platinum Card® from American Express and The Business Platinum Card® from American Express cardholders can also send concierge requests to [email protected] from the email associated with your American Express account.
Along with concierge service, The Platinum Card® from American Express and the American Express® Gold Card offer a wide range of valuable benefits.
The Platinum Card® from American Express offers:
- A $200 airline fee credit
- Access to the Global Lounge Collection
- A Global Entry or TSA Precheck application fee credit
- Special perks through the Fine Hotels & Resorts program
- Marriott Bonvoy Gold Elite Status
- Hilton Honors Gold status
- Car rental privileges
- Premium Global Assist hotline and more.
- Terms apply
The American Express® Gold Card offers:
- A $120 dining credit
- A $100 hotel credit
- Personalized travel service
- Global Assist hotline
- Baggage insurance plan
- Access to presale tickets through American Express Experiences, American Express preferred seating and more.
- Terms apply
These benefits come with sizable annual fees of $550 for The Platinum Card® from American Express, $595 for The Business Platinum Card® from American Express and $250 for the American Express® Gold Card.
To see rates & fees for The Platinum Card® from American Express please click here.
To see rates & fees for The Business Platinum Card® from American Express please click here.
To see rates & fees for American Express® Gold Card please click here.
Citi concierge
Citi® Concierge provides experts to assist with travel, shopping, dining, entertainment and everyday needs 24 hours a day, seven days a week. If you have an eligible Citi credit card, you can access the concierge service by calling 800-508-8930 or emailing [email protected].
The following Citi credit cards offer concierge service:
- Citi Premier® Card
- Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
- Citi® / AAdvantage® Executive World Elite Mastercard®
- Citi Prestige® Credit Card
Visa Signature concierge
With Visa Signature concierge, cardholders receive assistance with travel planning, dining reservations, entertainment tickets and personal assistance. Just know, hard-to-get reservations and tickets are subject to availability.
Visa Signature cardholders can access the concierge service around the clock by calling 800-953-7392 in the U.S., or by calling 630-350-4551 collect outside of the U.S.
While standard requests are typically completed within 24 to 48 hours, special research or complex travel requests may require more time, which will be communicated to the cardholder via phone or email.
Note, the following requests are not handled by the concierge service: credit card account and billing inquiries, card activations, insurance benefit related calls, lost or stolen card reporting, emergency assistance and rewards inquiries.
Visa Signature credit cards include:
- Chase Sapphire Preferred® Card
- Ink Business Cash® Credit Card
- Ink Business Unlimited® Credit Card
- Ink Business Preferred℠ Credit Card
- Southwest Rapid Rewards® Performance Business Credit Card
- Southwest Rapid Rewards® Premier Business Credit Card
Along with concierge service, Visa Signature cardholders may have access the following benefits:
- Rental car discounts
- Special guest status at Visa Signature luxury hotel properties
- Lost luggage reimbursement
- Global Entry statement credit
- Trip delay reimbursement
- Trip cancellation and trip interruption reimbursement
- Rebates for airline incidental fees
- Travel accident insurance
- Lounge access
- Baggage delay reimbursement
- Roadside assistance and more.
Just know, the issuer ultimately determines which Visa Signature benefits are passed down to each credit card. For example, while the Chase Sapphire Preferred® Card card comes with trip cancellation and trip interruption reimbursement, baggage delay insurance and more, it does not offer a Global Entry application fee credit.
Visa Infinite concierge
Similar to Visa Signature concierge, Visa Infinite concierge can assist cardholders with requests such as dinner reservations, tickets to Broadway and music and sporting events.
To contact Visa Infinite Concierge, call 877-660-0905 in the U.S., or call collect at 312-800-4290 if traveling abroad.
Visa Infinite credit cards include:
Visa Infinite benefits also include:
- Special offers through the Visa Infinite Luxury Hotel Collection
- Global Entry statement credit
- Visa Infinite car rental privileges
- Priority Pass lounge access
- Airline incidentals statement credit
- Auto rental collision damage waiver
- Extended warranty protection
- Roadside Dispatch®
- Purchase security
- Travel and emergency assistance services
- Return protection
- Lost luggage reimbursement
- Trip delay reimbursement, trip cancellation and trip interruption reimbursement and emergency cash disbursement.
World Elite concierge
World Elite Mastercards offer a complimentary 24/7 concierge service, which acts as a personal assistant to help you plan vacations, book dinner reservations and find last-minute gifts, for example.
To contact the concierge, call the number on the back of your World Elite Mastercard, or log in here.
Cardholders also have access to Mastercard Airport Concierge™, which can arrange for a personal, dedicated agent to escort you through the airport for departure, arrival or any connecting flights 24 hours a day at more than 700 destinations worldwide.
Additionally, cardholders can utilize a professional travel advisor to help plan trips by calling 855-802-1387 or visiting Mastercard® Travel & Lifestyle Services.
The following card offers World Elite concierge:
- HSBC Premier World Elite Mastercard® credit card
Additional World Elite benefits include:
- A lowest hotel rate guarantee
- Complimentary room upgrades and other hotel perks with the Mastercard luxury hotel and resorts portfolio
- Access to experiences through Priceless Cities
- Complimentary ShopRunner membership
- Lyft discounts and Boxed rewards
- Identity theft protection, cell phone protection, global emergency services and more
Note, while the Citi Premier® Card, Citi® / AAdvantage® Platinum Select® World Elite Mastercard®, Citi® / AAdvantage® Executive World Elite Mastercard® and Citi Prestige® Credit Card are all World Elite Mastercards, they do not offer access to World Elite concierge services. Instead, the cards provide Citi Concierge services.
Is a credit card with premium concierge service right for you?
Credit cards that offer premium concierge services also typically come with a variety of valuable travel and shopping benefits, including hotel credits, airline fee credits, extended warranties and more. If you plan to take advantage of these benefits, they can help offset the pricey annual fees that also come with these cards.