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What are the best credit card concierge services?

Get personalized travel assistance by being a cardmember.

Updated . What changed?

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Our pick for concierge service: Chase Sapphire Reserve®

Chase Sapphire Reserve® logo

50,000-point

Signup bonus after spending $4,000 in first 3 months

  • Not just for travel: Get DoorDash perks,10x points on Lyft and 3x on dining
  • Signup bonus worth $750 with Chase Ultimate Rewards
  • $300 annual travel credit
Apply now
You’re traveling to another city and want to know where the best local restaurant is and what its hours are. With a simple phone call, a credit card concierge service can give you a recommendation and make your reservation.

This is just one of the many services a credit card concierge service provides.

We compared all credit cards that offer concierge services. Then we accounted for the value of the welcome offer, the cards’ annual fee, the rewards rate and any additional perks and features.

Once we narrowed down the options, we looked at customer reviews and experiences with specific concierge services before selecting the winners in every category.

Best concierge service credit cards

There are many credit cards with concierge services to choose from. But if you’re looking for the best, there are a few factors you may want to consider.

Quick look at the best credit cards with concierge services

Best general travel credit card with concierge services
Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card logo
Finder Rating: 4.3 / 5

★★★★★

Credit recommended (670-850)
Apply now
on Chase's secure site
Rates & fees

670
Min. credit score
$95
Annual fee
Up to 5x
Points
80,000
Points welcome offer
If you're looking for a more affordable credit card with an excellent concierge sevice, this could be it.
  • Signup bonus. 80,000 bonus points after spending $4,000 in the first 3 months.
  • Reward points. 2x points on travel and dining at restaurants, 5x points on Lyft rides until March 2022 and 1x points on all other purchases.
  • Chase Ultimate Rewards. Points redeemed through Chase Ultimate Rewards for travel purchases are worth 25% more.
  • Point transfer. Transfer your points to Chase's hotel and airline partners in a 1:1 ratio.
Annual Fee $95
Purchase APR 15.99% to 22.99% variable
Balance transfer APR 15.99% to 22.99% variable
Welcome offer 80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards
Rewards 5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases

Best welcome offer concierge service credit card
Chase Sapphire Reserve®

Chase Sapphire Reserve® logo
Finder Rating: 4.6 / 5

★★★★★

Credit recommended (740-850)
Apply now
on Chase's secure site
Rates & fees

740
Min. credit score
$550
Annual fee
Up to 10x
Points
50,000
Points welcome offer
Worldwide travelers who want to use dedicated assistance on their trips, could find this card's concierge service useful.
  • Signup bonus. 50,000 bonus points after spending $4,000 in the first 3 months.
  • Rewards points. 3x points on travel and dining at restaurants, 10x points on Lyft rides until March 2022 and 1x points on all other purchases.
  • Annual credit. $300 annual credit for travel expenses.
  • Global Entry or TSA PreCheck fee. $100 credit for your Global Entry or TSA PreCheck application every four years.
  • Lounge access. Access more than 1,000 airport lounges worldwide with one-time Priority Pass enrollment.
Annual Fee $550
Purchase APR 16.99% to 23.99% variable
Balance transfer APR 16.99% to 23.99% variable
Welcome offer 50,000 points after spending $4,000 in the first 3 months
Rewards 10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases

Best concierge credit card for convenient service
Luxury Card Mastercard® Black Card™

Luxury Card Mastercard® Black Card™ logo
Finder Rating: 2.9 / 5

★★★★★

Credit recommended (700-850)
Apply now
on Luxury Card's secure site
700
Min. credit score
$495
Annual fee
Up to 1x
Points
n/a
Welcome offer
Gain access to the mid-tier Luxury Card to gain access to a concierge service that's not only accessible worldwide, but offers a mobile app that allows you to contact a concierge representative 24/7. That means your simpler requests can be addressed with just a few presses of your finger.
  • Rewards. Earn 1x points on all purchases. Airfare redemptions start at 50 points for $1, giving you a 2 redemption rate, while statement credit and cash back offer a 1.5% redemption rate, and 1.5% for hotels and car rentals.
  • Airline fee credit. Enjoy a $200 annual fee credit, applied automatically on eligible purchases.
  • Global Entry or TSA PreCheck credit. Receive $100 credit every five years for your Global Entry or TSA PreCheck application.
  • Priority Pass access. Access to hundreds of Priority Pass eligible lounges.
Annual Fee $495
Purchase APR 14.99% variable
Balance transfer APR 0% intro for the first 15 billing cycles (then 14.99% variable)
Welcome offer N/A
Rewards 1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back

Best value credit card with concierge services
United Club℠ Infinite Card

United Club℠ Infinite Card logo
Credit recommended (670-850)
See offer
on Creditcards.com's secure site
Rates & fees

670
Min. credit score
$525
Annual fee
100,000
Miles welcome offer
Up to 4x
Miles
This is the premium United Airlines credit card with a generous signup bonus worth between $1,500 and $3,000 and a host of other premium perks.
  • Signup bonus. Earn 100,000 bonus miles after you spend $5,000 in your first 3 months of card membership. Depending on when you redeem your miles, you can get up to three roundtrips between Los Angeles (LAX) and New York (JFK).
  • United miles. Earn 4x miles on United purchases, 2x miles on dining at restaurants and travel purchases, and 1x miles on everything else.
  • United Club membership. By being a cardmember, you get access to the United Club, which otherwise costs $650 each year.
  • Free checked bags. First and second checked bags are free for you and one companion traveling on your reservation. That's $320 saved for the two of you per round trip.
Annual fee $525
Purchase APR 16.49% to 23.49% variable
Foreign transaction fee None
Welcome offer 100,000 miles after spending $5,000 in the first 3 months
Rewards 4x miles on United purchases, 2x miles on travel and dining and 1x miles on all other purchases

Best credit card with concierge services for dining and travel
Citi Prestige® Credit Card

Citi Prestige® Credit Card logo
Finder Rating: 3.4 / 5

★★★★★

Credit recommended (670-850)
Read review
670
Min. credit score
$495
Annual fee
Up to 5x
Points
50,000
Points welcome offer
Aside from getting one of the best credit card concierge services, frequent flyers who often dine out could find the Citi Prestige® Credit Card to be a valuable tool for earning rewards.
  • Signup bonus. 50,000 bonus points after spending $4,000 in the first 3 months of account opening.
  • Reward points. 5x points on air travel and restaurants, 3x points on hotels and cruises and 1x points on all other purchases.
  • Complimentary fourth night. Book four consecutive nights at a hotel through ThankYou.com and get a complimentary fourth night stay twice every year.
  • Annual travel credit. Get up to $250 travel credit every calendar year.
  • VIP lounge access. Priority Pass Select lounge access to hundreds of VIP lounges.
Annual Fee $495
Purchase APR 16.99% to 23.99% variable
Balance transfer APR 16.99% to 23.99% variable
Welcome offer 50,000 points after spending $4,000 in the first 3 months
Rewards 5x points on flights and dining, 3x points on hotels and cruises and 1x points on all other purchases
The information about Citi Prestige® Credit Card has been collected independently by Finder and and has not been reviewed or provided by the issuer.

Best overall credit card with concierge service
The Platinum Card® from American Express

The Platinum Card® from American Express logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850)
Read review
Rates & fees

670
Min. credit score
$550
Annual fee
Up to 5x
Points
60,000
Points welcome offer
Aside from getting one of the best credit card concierge services, you can also get generous perks and features.
  • Welcome offer. Earn 60,000 membership rewards points after spending $5,000 in the first 3 months.
  • Membership reward points. 5x points on flights purchased directly with airlines, 5x points on prepaid hotels and flights on amextravel.com and 1x on everything else.
  • Airline fee credit. $200 annual fee credit on one qualifying airline.
  • Global Entry or TSA PreCheck credit. $100 credit every four years for your Global Entry or TSA PreCheck application.
  • Lounge access Access to over 1,100 airport lounges.
Annual Fee $550
Purchase APR
Balance transfer APR
Welcome offer 60,000 points after spending $5,000 in your first 3 months
Rewards 5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases

What are credit card concierge services?

A credit card concierge service acts as your personal assistant. The service includes helping you book travel and recommending places to visit, finding event tickets, arranging reservations at a restaurant and finding and sending a gift. Among credit card features, concierge service is most often found on higher-end card offerings such as luxury cards.

What can a concierge service do?

There are some things that credit card concierge service can’t do, including sell items for you, book tickets to sold-out events, assist you in illegal activities or tell you what other clients — including primary cardholders and authorized users — have requested.

But if you need help with the requests listed below, give your credit card concierge service a call.

Concierge services

  1. Research
    The credit card concierge service can help you find the perfect restaurant for meetings or a date. It can help you find a location with the best online reviews or the best place to visit while traveling abroad. The service will research any subject you require and can call you back. However, it’s a good idea to also do your own additional research.
  2. Search for lost items
    If you lose your phone or bag at the airport, taxi or hotel, the concierge service will make phone calls and provide you with the best way to retrieve your items.
  3. Restaurant reservations
    The concierge service can make dining suggestions based on the criteria you provide. They can also make a reservation in one or several locations you can choose from. They will cancel the rest. But if the restaurant is booked, they may not be able to assist.
  4. Event tickets
    Credit card concierge can find tickets for sporting events or concerts. Even if an event is fully booked, you can still try to get tickets as the concierge may know who to call.
  5. Travel reservations
    A concierge can make airline reservations for you, they can call a taxi or a limo, arrange a car rental or get a driver, book hotel stays or cruising. They can also arrange sightseeing, excursions and other activities.
  6. Assistance
    If you need help finding the perfect gift, flowers, or assistance with business presentations, the credit card concierge has you covered.

What concierge credit card programs are there?

There are five credit card concierge service programs:

  • World Mastercard, World Elite Mastercard and Luxury Card Travel
  • Luxury Card Travel
  • Visa Signature and Visa Infinite
  • American Express
  • Citi Concierge
Depending on your credit score, some credit card providers will issue a lower-tier version of the card without concierge service.
For example, instead of getting a Visa Signature credit card, you could receive a Visa Platinum.
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How to contact your concierge service

Need to get in touch with your concierge service? Here’s the contact information along with a link to our full concierge guides.

Concierge serviceContact informationFinder guide
American Express concierge800-525-3355

International: 617-622-6756

Full guide
Citi concierge800-508-8930Full guide
Visa concierge800-953-7392

Visa Infinite: 1-877-660-0905

International: 312-800-4290

Full guide
Luxury Card conciergeMobile app

OR

844-724-2500

Full guide
Mastercard conciergeCall number on the back of your card

OR

Mobile app

Full guide

How to choose the best credit card concierge service

To choose the right credit card for the concierge service, here’s what to consider:

  • Annual fee. As a general rule — the higher the card’s annual fee, the better the concierge service. That said, expect to pay $550 annually or more for your card to enjoy the best concierge service.
  • Quality of concierge service. Finder ran a few experiments during the coronavirus pandemic in April 2020 to see whether some concierge services would deliver. It turned out not all concierge services are equal. Some can fulfill your needs, while others may fall short.
  • Rewards. Getting a solid concierge service is definitely useful. But also, why not get something back for your credit card purchases? Choose the card that offers rewards on the categories where you spend most.

We ran the tests: which service came out on top?

To get a better idea of how these concierge services differed, we put them to the test. Three members of the Finder team called their card’s concierge service and asked for availability of a specific product. Luxury Card, Chase and Amex concierge services were all included in these tests and we all called at exactly the same time to see which could fulfill our request faster. Our request was the same across four tests, but the products we asked for differed in each: toilet paper, yeast, kettlebells and condoms.

You can click through to read the full results on each, but in short, Luxury Card concierge offered what was often the fastest and most convenient service. However, the differences between each concierge services were ultimately rather small and all managed to fulfill our requests admirably.

Do I really need a credit card with concierge service?

The fact is — most travel credit cards with a decent concierge service should be good enough to meet your needs. But sometimes, your concierge will go the extra mile for you. This is reflected in the card’s annual fee.

The best concierge service comes with cards priced at $550 or higher. Unless you’re getting the card for all the other perks it offers, it may not be worth getting it just for the concierge service.

Compare concierge service cards

Although most credit card concierge services can assist you with the same tasks, not all cards cost the same or offer the same additional perks. Compare the cards below to find the right fit for your wallet.

Name Product Filter values Rewards Purchase APR Annual fee
Chase Sapphire Preferred® Card
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
15.99% to 22.99% variable
$95
Earn a huge signup bonus worth $$1,000 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Citi® Diamond Preferred® Card
N/A
0% intro for the first 18 months (then 14.74% to 24.74% variable)
$0
An impressive 18 months intro APR on balance transfers and purchases, as well as no annual fee make this one of the top 0% APR cards available.
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
13.99% to 23.99% variable
$0
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
Chase Sapphire Reserve®
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
16.99% to 23.99% variable
$550
Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.
CardMatch™ from creditcards.com
See terms
See issuer's website
See terms
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
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Bottom line

If you’re a frequent traveler, you might consider prioritizing concierge services when looking at various travel cards. It’s convenient, easy, and all you have to do is call for the concierge to assist you. You can ask for travel recommendations and arrangements, dining reservations, help finding and sending gifts or flowers and more.

However, concierge services are usually tied to premium cards. If you’re not sure you qualify for a luxury card, research what kind of travel card is worth it within your financial means.

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