Your Visa Platinum card offers a credit limit up to $50,000. Today, I will be comparing the American Express AeroplanPlus Platinum Card, CIBC Aerogold Visa Infinite Privilege and TD Aeroplan Visa Infinite Privilege Card. The annual fee is $400 per year and includes some attractive benefits that are fairly competitive. What matters is how long it took for each concierge service to complete my full request. Thats significantly lower than the Amex Platinum offer, though the spending requirement to earn the bonus is also lower. The RBC Visa Platinum Avion ($120 annual fee) lets you earn 1 RBC Rewards point per $1 spent on the card and comes with a 15,000-point credit card sign-up bonus. Platinum Card Concierge provided an incredibly robust number of activities (and even a photo gallery of these recommendations) for my 12-hour layover in Athens. Theres no lounge access, credits for designated retail purchases, or access to features like early check-in at higher end hotels. First, the table below shows the amount of time it took to get through to each concierge, from the time I dialed the phone number to the time my account had been authenticated and I was speaking to a live human. The Visa Infinite concierge can help you do things like book restaurant reservations, select gifts or obtain event tickets right when they go on sale. For example, it's rare to see a high-end credit card these days that doesn't offer some form of a Priority Pass lounge membership and a travel or airline credit worth hundreds of dollars. The Visa Platinum is the second tier of the four Visa credit card types. Visa Platinum card is the choice of consumers who want more from their cards. Rather than standard credit limits and customer service hotlines, elite invite-only cards can come with unlimited credit lines and personal shoppers willing to track down just about anything. Banks and other card issuers can set these levels independently and arent as stringent with their requirements. It seems likely that a huge reason for this increase is due to the fees between the networks becoming closer aligned. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. You must call UBS or contact your UBS Financial Advisor to apply for the card. Mainly this means that you will contact American Express customer service department for any issue you have with your card, but if you have a Visa, you will contact your cards issuer if you have any issues. There are all sorts of credit cards on the market including cash-back cards, rewards cards, business cards, etc. I cover all of this and more in this Reflex Mastercard review. The Visa Platinum is the second tier of the four Visa credit card types. But in terms of comparing eligibility requirements for Visa, Mastercard, and American Express, American Express may be the hardest issuer to qualify for as most cards require applicants to have a good credit score of at least 670 to qualify. Performing arts (dance, film, music and opera). If you're overwhelmed, you can even select from the many tour companies they hand-picked to help delegate your trip planning. Travel accident insurance and 24/7 travel assistance services are included as well. The most recent comparative post was: AMEX vs. CIBC vs. TD Aeroplan Platinum/Privilege Cards. Platinum cards also charge higher annual fees than gold cards offered by the same provider, and offer more perks. They took it a step further and provided a quick blurb about the cuisine, if a restaurant was card-only, its atmosphere and more. However, if youd rather have more flexibility in where you stay, or if you dont use hotels often, youre likely better off with a general rewards card like the Amex Platinum. TPG also values Ultimate Rewards points at 2 cents each, making this bonus worth $1,200. What are the rewards on the U.S. Bank Platinum card? This is a huge change from 5 years ago when American Express was only accepted at 3.7 million. For more information on our advertisers, see here. CEO These services are provided by third-party companies and not by the issuers themselves, so the responsiveness and quality of the results can vary. The card issuer is the one that actually extends credit to consumers. Based in New York City, Stella is always on the road (or in the air). Winner: The clear winner here is Platinum Card Concierge. His approach to personal finance is that of an engineer, breaking down complex subjects into bite-sized easily understood concepts that you can use in your daily life. The Visa Platinum is the second tier of the four Visa credit card types. Most Visa Platinum cards require a credit score in the 600s. Other benefits include access to charter services, room upgrades, premium car rentals, and 24/7 access to Luxury Card Concierge, a concierge service dedicated to taking your travel experience to the next level. The RBC Visa Infinite Avion ($120 annual fee) also lets you earn 1 RBC Rewards point per $1 spent and comes with a 15,000-point sign-up bonus. Visa Signature Concierge Service. In short, it wont do much good to have a credit card if its not accepted at the retailers you plan to visit. American Express is both a card issuer AND a payment network. What percent of income should go to mortgage? They provided tons of options that made me want to turn my layover into a full-blown trip to Athens. Verdict: Once the $200 travel credit is taken into account, the Platinum Cards price point is more favourable. In addition, the card offers special access to tickets (including presale tickets) for thousands of events including sporting events, concerts, dining experiences, and more. What is the cheapest and easiest way to get into the city? Contact: 800-953-7392. Credit cards branded Visa Signature or Visa Infinite typically offer a starting credit limit of $5,000 or more. Terms Apply. Winner: I was beyond impressed with Citi Concierge. If you want a card specific to the hotel or airline you frequently use, you might be restricted to certain networks. Editorial Disclosure:The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. Having the ability to choose travel or financial redemption options makes the RBC Avion Visa Infinite Card a great asset; however, Aeroplan points are worth more. Find the right card for you. Most Visa Platinum cards require a credit score in the 600s. How does this compare to the American Express Platinum card? They took it a step further and provided a quick blurb about the cuisine, if a restaurant was card-only, its atmosphere and more. The U.S. Bank Altitude Reserve Card offers several great travel benefits and a lower annual fee. And unlike a secured credit card, you won't have to contribute a security deposit. Email needed if you'd like comment updates. However, if youre looking for a solid rewards card for middle class travel and not high-end travel, the Venture Rewards card might be a good choice for you. And theres no cap to the number of AAdvantage miles you can earn. U.S. Bank Altitude Reserve Visa Infinite Card. The UBS Visa Infinite Credit Card currently offers a welcome bonus of 25,000 points when you make $3,000 in eligible purchases during the first three months from card account approval. Winner: Platinum Card Concierge knocked it out of the park with a reasonable phone hold time (just 14 minutes) and my full request was fulfilled within five days! I'd say the overlap of information, advice and recommendations I received from all three was far better than any one service on its own. 400 if the minimum and the maximum is Rs. in Computer Science and Economics from Carnegie Mellon University, an M.S. The U.S. Bank Altitude Reserve Card offers several great travel benefits and a lower annual fee. The Altitude Reserve card also offers cardmembers 24/7 service to the Visa Infinite Concierge, and you wont pay any foreign transaction fees when you use your card abroad. Welcome Offer: Earn 120,000 Membership Rewards points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership. WebWinner: Platinum Card Concierge wins even if they provided the same number of recommendations as Visa Infinite Concierge. Youll also receive a $100 annual statement credit toward qualifying airline purchases. Millionaires use credit cards like the Centurion Card from American Express, the J.P. Morgan Reserve Credit Card, and The Platinum Card from American Express. First introduced overseas, Visa Infinite came to the U.S. around 2016 and remains relatively uncommon. While it hasn't quite reached the heights of Aeroplan or Air Miles, Avion is an up-and-coming travel rewards program offered by RBC (one of Canada's Big Five banks). AMEX Plat's PP Select gets you unlimited visits, but guests are $29. Fulton, MD 20759, 2023 Best Wallet Hacks All rights reserved. All credit bureaus in India offer a credit score between 300-900, 900 being the highest. This is because Visa and Mastercard arent the issuers, thus they dont control the minimum requirements. If you have a specific card in mind, you will not have a choice as to which network your card will be in. The benefits that each network offers are slightly different, with Mastercard offering a higher level of benefits with its World Elite card offerings. And with the 3x points on restaurants, gas stations, and supermarkets its a nice everyday use card as well. The Gold Card is especially beneficial if you dine at restaurants or order takeout meals frequently. How does this compare to the American Express Platinum card? In general, the more benefits a card provides, the harder it is to qualify for. One of his favorite tools (here's my treasure chest of tools,, everything I use) is Personal Capital, which enables him to manage his finances in just 15-minutes each month. If you have lost your Visa card, we can help block your account, send a replacement card and provide emergency cash. The Platinum card gets you double the welcome points for less than twice the annual fee, however. The "up to" is key here. While on the American Express Aeroplan * Card, you could earn 50,000 points after six months by spending $3,000. It's the top tier within Visa's three levels of benefits, tailored to high-net-worth cardholders. The Infinite card offers accelerated cash back rates: 4% for grocery store purchases, 2% for gas, and 1% for daily transit purchases. You might be able to qualify for some with a score in the very high 500s. The main difference between American Express and Visa is that American Express is both a card issuer and a payment network. There is currently a welcome bonus of 60,000 Ultimate Rewards points after you spend $4,000 in purchases within the first three months. Youll also get up to $100 reimbursement on your Global Entry or TSA Precheck purchase when you use your Capital One Venture Rewards card. However, there are two different phone numbers one dedicated for Visa Signature cardholders and another for Visa Infinite cardholders. I needed a request that would give each concierge a chance to show some creativity. Upgraded Points, LLC uses reasonable efforts to maintain accurate information on the site and prior to applying for any credit card offers found on UpgradedPoints.com, all visitors should review other features of such credit cards including but not limited to interest rates, annual fees and transaction fees, and should determine the suitability of such credit cards considering their own individual financial position. Which is Better Visa Platinum or Visa Infinite? Here's the rundown. For an explanation of our Advertising Policy, visit. Where would you recommend I eat in order to experience authentic and local cuisine? 8.945 trillion (4.890 credit, 4.055 debit), 4.767 trillion (3.015 credit, 1.752 debit), Mastercard doesnt set APRs, fees, or rewards, PIN debit card transactions (if processed by Visa), PIN debit card transactions (if processed by Mastercard), 3 free years of Shipt (enroll by December 31, 2024), Mastercard Luxury Hotel & Resorts Portfolio, Trip cancellation and interruption insurance. Credit ranges are a variation of FICO Score 8, one of many types of credit scores lenders may use when considering your credit card application. As you can see, the high fee is quickly offset by a host of benefits. Check here before booking an award fare. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. 6x points on hotels participating in the Marriott Bonvoy program, 3x points on dining at U.S. restaurant and flights booked directly with the airline, 2x points on each dollar spent on other eligible purchases, 50,000 point welcome bonus when you spend $4,500 in the first 90 days, 5x points on prepaid hotels and car rentals booked directly through the Altitude Rewards Center, 3x points on all other travel purchases, 60,000 Membership Rewards Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months, 4x on dining at restaurants, US grocery stores (up to $25,000 in purchases annually), 3X on flights booked directly with the airline or with Amex travel, and 1x points on other eligible purchases, 60,000 points if you make $4,000 in purchases during the first three months, 3x points at restaurants, gas stations, air travel and hotels, and supermarkets, 1x points on all other purchases, 75,000 miles when you spend $4,000 on purchases within the first 3 months of opening the account, equal to $750 in travel, unlimited 2x miles on every purchase, every day, $99 annual fee, waived for the first 12 months, 50,000 American Airlines points if you spend $2,500 in the first three months, 2X AAdvantage miles on purchases at gas stations, restaurants, and eligible American Airlines purchase, 1X on all other purchases, Up to $100 Global Entry credit every four years and/or $85 TSA Precheck entry credit every 4.5 years, 10x points on eligible purchases at restaurants worldwide and when you Shop Small in the U.S. on up to $25,000 in combined purchases in the first six months, $200 hotel credit on prepaid Fine Hotels + Resorts or The Hotel Collection bookings, requires a minimum two-night stay, Up to $300 back per calendar year on Equinox+ digital fitness app or eligible Equinox club memberships when you pay with your card, Up to $200 in Uber Cash: $15 per month on rides or UberEats, and a $20 bonus in December (U.S. rides only), Up to $100 in annual statement credits for purchases Saks Fifth Avenue or saks.com when you use your Amex Platinum card, $240 Digital Entertainment Credit ($20 per month) when you pay for select digital memberships, 6x points on hotels participating in the Marriott Bonvoy program, 3x points on dining at U.S. restaurants, including takeout and delivery, 3x points on flights booked directly with the airline, 2x points on each dollar spent on other eligible purchases, 4x points on dining at restaurants, including takeout and delivery, 4x points at grocery stores in the U.S., for up to $25,000 in purchases each year, 3x points on flights booked directly with the airline or with Amex travel. 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