What are the best credit cards for concierge services?
Let your concierge recommend or book travel and dining arrangements worldwide.
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.
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.
Best credit cards for concierge services
Quick look at the best credit cards for concierge services
The Luxury Card Mastercard® Gold Card™ came out on top in all of 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.
Pros
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.
Cons
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
Purchase APR
16.49% variable
Balance transfer APR
0% intro for the first 15 billing cycles (then 16.49% variable)
Welcome Offer
N/A
Rewards
1x points
Pros
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.
Cons
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
Purchase APR
16.49% variable
Balance transfer APR
0% intro for the first 15 billing cycles (then 16.49% variable)
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.
Pros
Earn points. Earn 5x points on flights and prepaid hotels booked directly through Amex Travel. You can use your points toward gift cards, travel rewards, statement credit and more. On other eligible purchases, you'll earn 1x points. Your 5x points on flights are capped on up to $500,000 annually, reverting to 1x points after.
Welcome offer. Get 100,000 membership rewards points after you spend $6,000 on purchases in the first 6 months of card membership.
Travel fee credit. Select a qualifying airline and receive a $200 airline fee credit each year to cover incidental charges, such as checked bags or in-flight purchases. Also receive up to $200 in credit on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel.
Hotel status upgrades. Enroll to upgrade to Gold status in Starwood Preferred Guest and Hilton Honors without meeting stay requirements.
Cons
Annual fee. As a luxury card, the Amex Platinum Card requires a $695 annual fee for use.
Narrow reward categories. This card is only particularly strong at earning rewards on travel and dining.
Potentially limited acceptance abroad. American Express cards are not as widely accepted worldwide as Visa or Mastercard.
Can't always carry your balance. Most credit cards let you carry your balance by paying interest. The Amex Platinum Card, however, lets you carry your balance on some purchases, but not on all of them.
Annual fee
$695
Purchase APR
See Pay Over Time APR
Balance transfer APR
N/A
Welcome Offer
100,000 points after spending $6,000 in your first 6 months
Earn points. Earn 5x points on flights and prepaid hotels booked directly through Amex Travel. You can use your points toward gift cards, travel rewards, statement credit and more. On other eligible purchases, you'll earn 1x points. Your 5x points on flights are capped on up to $500,000 annually, reverting to 1x points after.
Welcome offer. Get 100,000 membership rewards points after you spend $6,000 on purchases in the first 6 months of card membership.
Travel fee credit. Select a qualifying airline and receive a $200 airline fee credit each year to cover incidental charges, such as checked bags or in-flight purchases. Also receive up to $200 in credit on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel.
Hotel status upgrades. Enroll to upgrade to Gold status in Starwood Preferred Guest and Hilton Honors without meeting stay requirements.
Cons
Annual fee. As a luxury card, the Amex Platinum Card requires a $695 annual fee for use.
Narrow reward categories. This card is only particularly strong at earning rewards on travel and dining.
Potentially limited acceptance abroad. American Express cards are not as widely accepted worldwide as Visa or Mastercard.
Can't always carry your balance. Most credit cards let you carry your balance by paying interest. The Amex Platinum Card, however, lets you carry your balance on some purchases, but not on all of them.
Annual fee
$695
Purchase APR
See Pay Over Time APR
Balance transfer APR
N/A
Welcome Offer
100,000 points after spending $6,000 in your first 6 months
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.
Pros
Signup bonus. 60,000 bonus points. Spend $4,000 within the first 3 months of account opening to earn these points. They are worth $750 when redeemed for travel through Chase Ultimate Rewards.
Rewards. Up to 2x points. Earn 2x points on travel and dining. Earn 1x points on all other purchases. These points are worth 25% more when redeemed through the Chase travel portal.
Point transfers to select airline and hotel partners. You can transfer your points at a 1:1 ratio to airline and hotel programs like Southwest Airlines Rapid Rewards and Marriott Bonvoy.
Cons
Annual fee. The card costs $95 annually.
No intro APR period. You won't get to save money on interest with a 0% intro APR period on purchases or balance transfers.
Annual fee
$95
Purchase APR
16.74% to 23.74% variable
Balance transfer APR
16.74% to 23.74% variable
Welcome Offer
60,000 points after spending $4,000 in the first 3 months
Signup bonus. 60,000 bonus points. Spend $4,000 within the first 3 months of account opening to earn these points. They are worth $750 when redeemed for travel through Chase Ultimate Rewards.
Rewards. Up to 2x points. Earn 2x points on travel and dining. Earn 1x points on all other purchases. These points are worth 25% more when redeemed through the Chase travel portal.
Point transfers to select airline and hotel partners. You can transfer your points at a 1:1 ratio to airline and hotel programs like Southwest Airlines Rapid Rewards and Marriott Bonvoy.
Cons
Annual fee. The card costs $95 annually.
No intro APR period. You won't get to save money on interest with a 0% intro APR period on purchases or balance transfers.
Annual fee
$95
Purchase APR
16.74% to 23.74% variable
Balance transfer APR
16.74% to 23.74% variable
Welcome Offer
60,000 points after spending $4,000 in the first 3 months
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.
Pros
Annual travel credit. Get $300 in statement credit as reimbursement for your travel purchases every year on your card account anniversary.
Signup bonus. Earn 60,000 bonus points when you spend $4,000 in your first 3 months when you open your account. This is worth $900 if you redeem through the Chase Ultimate Rewards travel portal.
Rewards points. Earn 5x points on flights booked through Chase, 10x points on hotels and car rentals booked through Chase, 3x points on Chase Dining, 3x points on all other travel and dining and 1x points on all other purchases. These points are worth 50% more when redeemed through the Chase travel portal.
Cons
Annual fee. You'll pay $550 annual fee for the card.
No intro APR period. Like many other travel cards, you won't get a 0% intro APR period on purchases, balance transfers or both.
Excellent credit score required. Being a premium card, your chances of approval greatly increase with a credit score of 740 or higher.
Annual fee
$550
Purchase APR
17.74% to 24.74% variable
Balance transfer APR
17.74% to 24.74% variable
Welcome Offer
New Offer: Earn 60,000 points after spending $4,000 in the first 3 months, from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
Annual travel credit. Get $300 in statement credit as reimbursement for your travel purchases every year on your card account anniversary.
Signup bonus. Earn 60,000 bonus points when you spend $4,000 in your first 3 months when you open your account. This is worth $900 if you redeem through the Chase Ultimate Rewards travel portal.
Rewards points. Earn 5x points on flights booked through Chase, 10x points on hotels and car rentals booked through Chase, 3x points on Chase Dining, 3x points on all other travel and dining and 1x points on all other purchases. These points are worth 50% more when redeemed through the Chase travel portal.
Cons
Annual fee. You'll pay $550 annual fee for the card.
No intro APR period. Like many other travel cards, you won't get a 0% intro APR period on purchases, balance transfers or both.
Excellent credit score required. Being a premium card, your chances of approval greatly increase with a credit score of 740 or higher.
Annual fee
$550
Purchase APR
17.74% to 24.74% variable
Balance transfer APR
17.74% to 24.74% variable
Welcome Offer
New Offer: Earn 60,000 points after spending $4,000 in the first 3 months, from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
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.
Pros
Earn United miles. Earn 4x miles on United purchases, 2x miles on dining at restaurants, and travel purchases including airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, rideshare services and tolls. Earn 1x miles on everything else.
Signup bonus. You'll earn 100,000 miles after you spend $5,000 in the first 3 months.
United Club membership. Enjoy access to United Club and Star Alliance lounges for yourself and two additional guests, a $1,200 annual value.
Travel perks. You'll enjoy a variety of travel perks, including free checked bags, priority check-in, priority boarding and more.
Cons
Annual fee. This card comes with a high annual fee of $525. That said, if you travel often with United Airlines, you can easily offset the fee.
No intro APR period. You don't get a 0% intro APR period on purchases and balance transfers. This shouldn’t deter you, though, as intro APR period is rarely offered by airline credit cards.
Annual fee
$525
Purchase APR
17.24% to 24.24% variable
Balance transfer APR
17.24% to 24.24% variable
Welcome Offer
Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
Earn United miles. Earn 4x miles on United purchases, 2x miles on dining at restaurants, and travel purchases including airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, rideshare services and tolls. Earn 1x miles on everything else.
Signup bonus. You'll earn 100,000 miles after you spend $5,000 in the first 3 months.
United Club membership. Enjoy access to United Club and Star Alliance lounges for yourself and two additional guests, a $1,200 annual value.
Travel perks. You'll enjoy a variety of travel perks, including free checked bags, priority check-in, priority boarding and more.
Cons
Annual fee. This card comes with a high annual fee of $525. That said, if you travel often with United Airlines, you can easily offset the fee.
No intro APR period. You don't get a 0% intro APR period on purchases and balance transfers. This shouldn’t deter you, though, as intro APR period is rarely offered by airline credit cards.
Annual fee
$525
Purchase APR
17.24% to 24.24% variable
Balance transfer APR
17.24% to 24.24% variable
Welcome Offer
Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
The Platinum Card® from American Express got a boost to its statement credit value.
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.
What concierge credit card programs are there?
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
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.
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.
Kliment Dukovski is a cryptocurrency and investments writer who has written over 700 articles to help readers find and compare the best financial options. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange and stock market trading.
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