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. 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.
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.
Quick look at the best credit cards for concierge services
Best concierge service
Luxury Card Mastercard® Gold Card™
670
Min. credit score
$995
Annual fee
Up to
1x
Points
n/a
Welcome offer
The Luxury Card Mastercard® Gold Card™ came on top of all of Finder's concierge service tests. It offered the fastests, most accurate solution to our problems and it often gave the most solutions to choose from, all though their mobile app. Because of that, we crown this card as the credit card with the best concierge service in 2021.
- Luxury concierge service. Enjoy complimentary access to the best concierge service 24/7 via phone, email or live mobile chat on the Luxury Card App. Your request can vary from restaurant and travel bookings and recommendations to helping you find rare items within minutes.
- Gold card. This card is truly a 24-karat gold-plated card. Nothing shouts luxury like a gold card on the counter.
- Rewards. Earn 1x points on all purchases. However, you can get 2% back in redemption value on airfare, cash back or statement credits. This basically turns the rewards rate at 2x points when you redeem on these categories.
- Annual fee. The card costs a whopping $995 annually, which makes it one of the most expensive cards you can get.
- No signup bonus. Most premium credit cards come with a signup bonus worth $1,000 or more when you meet the requirements. For some reason, this card doesn't have a signup bonus of any kind.
| Annual Fee |
$995
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| Purchase APR |
14.99% variable
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| Balance transfer APR |
0% intro for the first 15 billing cycles (then 14.99% variable)
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| Welcome offer |
N/A
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| Estimated welcome offer value |
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| Rewards |
1x points on all purchases with 2% point value when you redeem for airfare or cash back
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Best overall credit card with concierge service
The Platinum Card® from American Express
670
Min. credit score
$695
Annual fee
Up to
10x
Points
100,000
Points welcome offer
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.
- Welcome offer. Earn 100,000 membership rewards points after spending $6,000 in the first 6 months. Plus, earn 10x points at restaurants worldwide as well as with the Shop Small program in the U.S., on up to $25,000 in combined purchases for the first 6 months.
- Membership reward points. 5x points on flights purchased directly with airlines or amextravel.com, capped on up to $500,000 annually, reverting to 1x points after that. Also, earn 5x points on prepaid hotels and 1x on everything else.
- Lounge access Access to over 1,300 airport lounges.
- Annual fee. The card costs $695 annually.
- No intro APR period. You won't get a 0% intro APR period on purchases or balance transfers.
| Annual Fee |
$695
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| Purchase APR |
See Pay Over Time APR
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| Balance transfer APR |
N/A
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| Welcome offer |
100,000 points after spending $6,000 in your first 6 months, plus 10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 in combined purchases in the same timeframe
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| Estimated welcome offer value |
$7,000 based on Finder's valuation
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| Rewards |
10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 combined in the first 6 months, 5x points on prepaid hotels booked with American Express Travel, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other purchases
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Terms apply to American Express benefits and offers.
Best welcome offer and lowest annual fee
Chase Sapphire Preferred® Card
670
Min. credit score
$95
Annual fee
Up to
5x
Points
100,000
Points welcome offer
This card comes with one of the highest welcome offers available and Chase's largest ever, worth up to $1,250, 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.
- Signup bonus. Earn 100,000 bonus points after spending $4,000 in the first 3 months. With a 25% higher point redemption value through Chase Ultimate Rewards on travel purchases, your 100,000 bonus points are worth around $1,250.
- Reward points. Earn 2x points on travel and dining at restaurants, 5x points on Lyft rides until March 2022 and 1x points on all other purchases.
- Point transfer. Transfer your points to Chase's hotel and airline partners in a 1:1 ratio.
- Annual fee. The card costs $95 annually.
- No intro APR period. You don't get a 0% intro APR period on purchases or balance transfers with this card.
| Annual Fee |
$95
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| Purchase APR |
15.99% to 22.99% variable
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| Balance transfer APR |
15.99% to 22.99% variable
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| Welcome offer |
100,000 points after spending $4,000 in the first 3 months. That's $1,250 when you redeem through Chase Ultimate Rewards®
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| Estimated welcome offer value |
$1,250 based on Finder's valuation
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| Rewards |
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
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Best general travel credit card
Chase Sapphire Reserve®
740
Min. credit score
$550
Annual fee
Up to
10x
Points
60,000
Points welcome offer
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.
- Signup bonus. 60,000 bonus points after spending $4,000 in the first 3 months. With a 50% higher point redemption value through Chase Ultimate Rewards on travel purchases, your 60,000 bonus points are worth around $900
- Rewards points. Earn 3x points on travel and dining at restaurants, 10x points on Lyft rides until March 2022 and 1x points on all other purchases. Redeem your points for travel via the Chase Ultimate Rewards program and you turn your 3x and 10 points into 4.5x and 15x points in value.
- Annual credit. $300 annual credit for travel expenses.
- Annual fee. Expect to pay $550 annually to own the card.
- No intro APR period. There's no 0% intro APR period on purchases or balance transfers for you to save money on interest. But this is a rare perk in premium travel cards anyway.
| Annual Fee |
$550
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| Purchase APR |
16.99% to 23.99% variable
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| Balance transfer APR |
16.99% to 23.99% variable
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| Welcome offer |
60,000 points after spending $4,000 in the first 3 months, a value of up to $900 through Chase Ultimate Rewards.
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| Estimated welcome offer value |
$900 based on Finder's valuation
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| 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
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Best airline credit card
United Clubâ„ Infinite Card
740
Min. credit score
$525
Annual fee
75,000
Miles welcome offer
Up to
4x
Miles
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.
- Signup bonus. Enjoy 75,000 miles after you spend $3,000 on purchases in the first 3 months of opening your account.
- United miles. Earn 4x miles on United purchases, 2x miles on dining at restaurants and travel purchases, and 1x miles on everything else.
- United benefits. By being a cardmember, you get access to the United Club, which otherwise costs $650 each year. Also, 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. You'll pay $525 annually for the card.
- You may not be eligible for this card. You can only apply for the card if you don't have a United Club card and have not received a signup bonus for any United Club card in the past 24 months
| Annual fee |
$525
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| Purchase APR |
16.49% to 23.49% variable
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| Foreign transaction fee |
None
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| Welcome offer |
75,000 miles after you spend $3,000 in the first 3 months
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| Estimated welcome offer value |
$975 based on Finder's valuation
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| Rewards |
4x miles on United purchases, 2x miles on travel and dining and 1x miles on all other purchases
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What’s changed in 2021?
The Platinum Card from American Express got a boost to its statement credit value.
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.
There are five credit card concierge service programs. However, 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.
- World Mastercard, World Elite Mastercard and Luxury Card Travel
- Luxury Card Travel
- Visa Signature and Visa Infinite
- American Express
- Citi Concierge
Back to topNeed to get in touch with your concierge service? Here’s the contact information along with a link to our full concierge guides.
| American Express concierge | 800-525-3355 International: 617-622-6756 | Full guide |
| Citi concierge | 800-508-8930 | Full guide |
| Visa concierge | 800-953-7392 Visa Infinite: 1-877-660-0905 International: 312-800-4290 | Full guide |
| Luxury Card concierge | Mobile app OR 844-724-2500 | Full guide |
| Mastercard concierge | Call number on the back of your card OR Mobile app | Full guide |
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.
But if you want to have the best concierge service, then the ultra-premium Luxury Card Mastercard® Gold Card™ is the way to go.
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.
- Which credit cards have the best concierge service?
Typically, more expensive cards with annual fees between $450 and $550 have a dedicated concierge. - Do I have to pay extra for credit card concierge services?
No, but you have to pay for third-party services and items you receive. - Can I call the concierge whenever I want?
Yes. Most credit card concierge services are available 24/7.
