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What are the best credit cards for concierge services?

Let your credit card concierge recommend or book travel and dining arrangements.

A credit card concierge service acts as your personal assistant. The service includes helping with travel planning, finding event tickets, arranging dinner reservations and finding and sending a gift. Among credit card benefits, concierge service is most often found on higher-end card offerings. There’s no extra cost to use this feature unless you authorize the concierge to make a purchase in your name.

Finder’s credit card experts compared more than 100 credit cards that offer concierge services and accounted for the value of the welcome offer, annual fee, the rewards rate and any additional perks and features. Once we narrowed down the options, we ran a few tests ourselves and we looked at customer reviews and experiences with specific concierge services before selecting the winners in every category.

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 the availability of a specific product.

Luxury Card, Chase and American Express 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.

Read on to learn the full results on each, but in short, the Luxury Card concierge offered what was often the fastest and most convenient service. However, the differences between each credit card issuers’ services were ultimately rather small and all managed to admirably fulfill our requests.

Best credit cards for concierge services

Best concierge service

Luxury Card Mastercard® Gold Card™

Finder Rating: 3.3 / 5 ★★★★★

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The Luxury Card Mastercard® Gold Card™ came out on top in all the Finder concierge service tests. It offered the fastest, most accurate solution to our problems and it often gave the most solutions to choose from, all through their mobile app. Because of that, we crown this card as the credit card with the best concierge service in 2021.

Best welcome offer and lowest annual fee

Chase Sapphire Preferred® Card

Finder Rating: 4.6 / 5 ★★★★★

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This card comes with one of the highest welcome offers available and Chase's largest ever, worth up to $750, which is a rare find for a card priced at $95 annually. On top of that, you get Visa Signature concierge service, which gives you access to some of the best personalized services you can get on topics like dining, travel and entertainment.

Best general travel credit card

Chase Sapphire Reserve®

Finder Rating: 4.6 / 5 ★★★★★

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Get a wide range of travel benefits, rewards and a Visa Infinite concierge service. This is the highest concierge tier you can get with a Visa card. Being part of the Infinite tier, cardholders get access to a broader range of exclusive events, travel arrangements and discounts, which are not available with other Visa tiers.

Best airline credit card

United Club℠ Infinite Card

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This is a rare premium airline credit card that comes with access to exclusive United perks and Visa Infinite concierge service, which is the highest Visa concierge tier you can get.

Best overall credit card with concierge service

The Platinum Card® from American Express

Finder Rating: 4.4 / 5 ★★★★★

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This card's concierge service is on par with the competing premium services. On top of that, if you enroll in your Amex account, you get an excellent travel credit card with generous travel perks, such as an annual $200 airline fee credit and $200 hotel credit, lounge access and access to Amex's Membership Rewards program. Overall, it's one of the most lucrative credit card offers on the market.
Terms apply to American Express benefits and offers.

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. 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 in the categories where you spend most.

What concierge credit card programs are there?

There are five credit card concierge service programs. However, if you don’t have a good 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 card, you could receive a Visa Platinum card.

  • World Mastercard, World Elite Mastercard and Luxury Card Travel
  • Luxury Card Travel
  • Visa Signature and Visa Infinite
  • American Express
  • Citi Concierge
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How to contact your concierge service

Need to get in touch with your concierge service? Here’s the contact information and phone numbers for each, 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: 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

What’s the concierge service value?

The value of the service you receive from a concierge can vary across cards. 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 — as reflected in the card’s annual fee. The best concierge service comes with cards priced at $550 or higher.

But if you want to have the best concierge service, then the ultra-premium Luxury Card Mastercard® Gold Card™ is the way to go.

Concierge service vs. Siri, Alexa or Google

If you’re looking for simple information available online, there’s no need to reach out to your concierge. Asking Siri, Alexa or Google will likely get you the same information. That said, a device can’t compete talking to a real person who can help meet your needs and understand the complexities of a request.

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 which travel card is worth it and within your financial means.

Frequently asked questions

Which credit cards have the best concierge service?
Typically, more expensive cards with annual fees between $450 and $550 have a dedicated concierge.

How much extra do I need to pay for credit card concierge services?
The concierge service on your credit card is an added feature included in the annual fee, if applicable. But you have to pay for third-party services and items you receive.

When can I call the concierge?
Most credit card concierge services are available 24/7.

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