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.
Starting January 12, 2020, Chase Sapphire Reserve® got an update:
Annnual fee increased from $450 to $550.
10x points on Lyft rides until March 2022.
One year complimentary Lyft Pink membership worth $199.
One year DashPass subscription.
DoorDash statement credits up to $120 until December 21, 2021.
Chase Sapphire Preferred® Card got a smaller update:
5x points on Lyft rides until March 2022.
One year DashPass subscription.
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
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 $100 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.
Balance transfer APR
0% intro for the first 15 billing cycles (then 14.99% variable)
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
Aside from getting one of the best credit card concierge services, you can also get generous perks and features.
Welcome offer. Earn 75,000 membership rewards points after spending $5,000 in the first 6 months. Plus, earn 10x points at US supermarkets and US gas stations on up to $15,000 in combined purchases for the first 6 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. Starting January 1, 2021, however, your 5x points on flights will be capped on up to $500,000 annually, reverting to 1x points after that.
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.
See pay over time APR
Balance transfer APR
See pay over time APR
75,000 points after spending $5,000 in your first 6 months, plus 10x points at US gas stations and US supermarkets on up to $15,000 in combined purchases in the same timeframe
10x points at US gas stations and US supermarkets on up to $15,000 combined in the first 6 months, 5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases. Starting January 1, 2021, your 5x points on flights will be capped on up to $500,000 annually (then 1x points).
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.
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.
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.
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.
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.
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.
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
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.
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.
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.
Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.
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