Heavy travelers, however, will likely prefer the Platinum card. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021. The 2% redemption value on airfare with the Black Card is nice, but the Platinum card 5x points on airfare purchases edges the Black Card out. It seems likely that a huge reason for this increase is due to the fees between the networks becoming closer aligned. These 3 credit card processors oversee every part of the purchase process, including approving or declining a transaction, protecting you from fraud, providing travel benefits or other protections, and finally, making sure that money flows to and from the correct accounts behind the scenes. If you have lost your Visa card, we can help block your account, send a replacement card and provide emergency cash. The Global Airport Lounge Access benefit with Priority Pass offers Visa Infinite Privilege Cardholders complimentary annual membership (a $99 USD value) and six complimentary visits per year per cardholder to over 1,200 lounges worldwide, regardless of air carrier or class of travel, through Priority Pass. I could see this being a great service if you have an extensive amount of time in a new place and have no idea what to do. There are all sorts of credit cards on the market including cash-back cards, rewards cards, business cards, etc. If you have a specific card in mind, you will not have a choice as to which network your card will be in. To see the rates and fees for the American Express cards featured, please visit the following links: Platinum Card from American Express: See Rates and Fees. Which is Better Visa Platinum or Visa Infinite? The Visa Platinum is the second tier of the four Visa credit card types. All other purchases will get 1x AAdvantage miles for every $1 spent. Examples of other companies that use the American Express payment network include Bank of America, BBVA Compass, Citigroup, U.S. Bank, USAA, and Wells Fargo. American Express processes transactions for both its own American Express cards and cards from other issuers that use the American Express network. U.S. Bank Altitude Reserve Visa Infinite Card. Related: Dining out, taking out and ordering in: These are the best cards for foodies. Youll also get a $300 annual travel credit and $120 in partner benefits, which rotate often and include Peloton as of this writing. Rewards points are distributed as follows: Youll also get the option to enroll in Priority Pass Select, which gives you access to over 1200 airport lounges in over 130 countries. The content on this site is for informational and educational purposes only and should not be construed as professional financial advice. A credit score of 700 and above is considered as ideal. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. In addition, Mastercard is accepted inover 200 countries and territories throughout the world. Management Consulting Company. Other rotating benefits, including additional bonus points, may apply. Traveling for spring break? Score: 4.4/5 ( 20 votes ) 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. Global customer assistance. But if you're the type of traveler that gets overwhelmed by options, Citi Concierge also narrowed it down nicely to two restaurants that sound decadent. Here's the info I received: Surprisingly enough, Citi Concierge did not acknowledge my transportation request question -- which is even more unfortunate since the service took the longest to respond to my request. With Avion, you earn 1 RBC Rewards point for every $1 CAD you spend with your credit card~ plus 25% more when you use your card to book and pay for travel. Terms Apply. Global ATM network. But which network your card is backed by Visa, Mastercard, or American Express has implications for where and how you can use it. The card awards 3x points for commercial air travel, 2x points for gas and groceries, and 1 point for all other eligible purchases. Visa Signature Concierge Service. I received one email with luggage storage and transportation information and a second email with a more complete city guide. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. Score: 4.4/5 ( 20 votes ) 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. And youll earn 10x points on hotels and car rentals purchased through the program. For instance, the Chase Sapphire Preferred Credit Card, which has a $95 fee, is a Visa Signature card; the Chase Sapphire Reserve Card, with a $550 fee, is a Visa Infinite card. This means that if you are an applicant who has defaulted on a loan or has a limited credit history, you are more likely to get approved for a card in the Visa or Mastercard network. 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. See the Amex website for details. When comparing all 3 networks, there is 1 main difference between American Express and Mastercard/Visa. We recommend the RBC Avion Visa Infinite to those who value flexibility in what they can redeem their points on, who seek insurance coverage for frequent travel outside their province/territory or Canada itself, and who appreciate a big welcome bonus. All Right Reserved 2014 Total IT Software Solutions Pvt. Theres just not as wide a selection of cards issued by American Express compared to the number of cards that hold the Visa or Mastercard logo. You can use 25,000 points for a flight worth up to $350 or 50,000 points for a flight worth up to $900. Most Visa Platinum cards require a credit score in the 600s. The Visa Platinum is the second tier of the four Visa credit card types. You can then redeem these points for a wide array of flexible rewards. Having a platinum credit card used to mean that your credit card was more exclusive and elite than a normal credit card. 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. by J.D. Alliant Cashback Visa Signature Credit Card. For additional information, please review our advertising disclosure. Youll also get up to $100 reimbursement on your Global Entry or TSA Precheck purchase when you use your Capital One Venture Rewards card. Youll earn 2x AAdvantage miles for every $1 spent at gas stations and restaurants. 1X points for each dollar you spend on eligible purchases. You can travel for as low as 15,000 points. However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. "Visa Infinite" is a package of superpremium benefits available on certain cards that carry the Visa label. The first is a Welcome Bonus of 75,000 miles when you spend $4,000 on purchases within the first 3 months of opening the account, equal to $750 in travel. Global ATM network. U.S. Bank Altitude Reserve Visa Infinite Card. It is likely that your card will offer additional benefits in addition to these network benefits, but the following includes the minimum benefits that may be offered. Thats significantly lower than the Amex Platinum offer, though the spending requirement to earn the bonus is also lower. For Visa Infinite Privilege, the income requirements are $200,000 for either personal or household, at least double the Visa Infinite requirements. American Express AeroplanPlus What Is Your Credit Score, How Does It Work & Why Is It Important? However, given that it's been almost two weeks since my initial request, it's unlikely that I'll hear back. Unlock over $1,000 in value per year for statement credits on select purchases, including tech, recruiting and wireless with the Business Platinum Card. In addition, youll get $179 in Clear Credit when you pay for your Clear membership with your card. Each of these three concierge services offered something that the others did not, so if you hold multiple premium credit cards and have access to multiple concierge services, I'd encourage you to utilize them all (provided you have ample time to do so). All three of these major premium credit cards also offer a concierge service to their cardholders. The information for the Citi Prestige has been collected independently by The Points Guy. 6. Can you pay off a 72 month car loan early? It seems likely that a huge reason for this increase is due to the fees between the networks becoming closer aligned. Her first international travel experience was for a summer study abroad program in Italy. When you spend more than $20,000 in purchases during the year and then renew your card, youll get a $125 American Airlines discount. The Wells Fargo Active CashSMCard is no different. You might be able to qualify for some with a score in the very high 500s. Youll earn 5x points on prepaid hotels and car rentals booked directly through the Altitude Rewards Center. The RBC Visa Platinum Avion ($120 annual fee) lets you earn 1 RBC Rewards. Although they were incorrect that I could use my $15 monthly Uber Cash credit on Uber rides internationally, the breadth of information about transportation options was more than satisfactory. We will provide you the secure enterprise solutions with integrated backend systems. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. Editorial disclaimer: Opinions expressed here are the authors alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. You might be able to qualify for some with a score in the very high 500s. Heres everything you need to know about these 3 credit card processors and the main differences between them. You might be able to qualify for some with a score in the very high 500s. Get cash when you need it. 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. Now, work has her living in San Diego with her husband, daughter, and yellow lab. How does this compare to the American Express Platinum card? The U.S. Bank Altitude Reserve Card offers several great travel benefits and a lower annual fee. Winner: Platinum Card Concierge wins without a fight, but even if Visa Infinite Concierge and Citi Concierge got back to me, I'm confident that Platinum Card Concierge still would have won. Terms and conditions for using a lounge voucher(opens to external site): Lounge access - RBC vouchers may be used by the WestJet RBC World Elite Mastercard primary cardholder and their accompanied guests. 10X on hotels and rental cards booked through Chase Ultimate Rewards and 5X points on flights booked through Chase Ultimate Rewards, 3X on travel and dining, 1X on everything else. How Do You Choose Between American Express, Visa & Mastercard? Almost all Canadian credit cards impose a hefty 2.5% foreign transaction fee on purchases made in currencies other than the Canadian dollar. Please view our advertising policy page for more information. Discover hundreds of deals, discounts and privileges. If you're overwhelmed, you can even select from the many tour companies they hand-picked to help delegate your trip planning. In this Indigo Platinum Mastercard review, I cover the card's features, including the positives and negatives, and share some Indigo Mastercard alternatives. Platinum cards also charge higher annual fees than gold cards offered by the same provider, and offer more perks. However, the biggest budget items like groceries, gas and travel (hotels, etc) are at 1.5 points for the TD Aeroplan Visa Infinite Privilege* Credit Card. As you can see, the high fee is quickly offset by a host of benefits. If most of your transactions will be made in the U.S., you shouldnt really run into any issues with your card being accepted. To find out, I've compared the two credit card giants using five criteria. 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. Visa is only a payment network and has cards issued by other banks, like Chase, Bank of America, etc. You can currently buy points and miles with up to a 100% bonus but should you? Contact: 800-953-7392. Let's start with the options that Platinum Card Concierge provided. This is a huge change from 5 years ago when American Express was only accepted at 3.7 million. TPG also values Ultimate Rewards points at 2 cents each, making this bonus worth $1,200. 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. Topics included museums and retail reopening, masks, capacity limits and other pandemic restrictions. While it's easy to pick a winner for individual categories, it's harder to do so overall. I am not a financial adviser. If youre a heavy traveler, youll want the Platinum card. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. Youll get 2% value when you redeem for airfare, and 1.5% value for cash back redemptions. Earn 1.5X points (thats an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year. These points can be redeemed for travel through UBS's own portal. How does this compare to the American Express Platinum card? If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. WebWinner: Platinum Card Concierge wins even if they provided the same number of recommendations as Visa Infinite Concierge. There are a few cards that can be counted as competitors to the Platinum card. Visa Infinite represents the most premium offering from the card network, and offers benefits suited to the premium rewards cards that carry the designation. But not rental homes, because he doesn't want a second job, it's diversified small investments in a few commercial properties and farms in Illinois, Louisiana, and California through AcreTrader. Other purchases earn 1x points. Theres a 50,000 point welcome bonus (worth $750 on travel) when you spend $4,500 in the first 90 days of account opening. Winner: I was beyond impressed with Citi Concierge. Mastercard is accepted at 99% of retailers in the U.S. Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. While on the American Express Aeroplan * Card, you could earn 50,000 points after six months by spending $3,000. Here are the best cards for making your trip more comfortable. And with the 3x points on restaurants, gas stations, and supermarkets its a nice everyday use card as well. Earn 1 reward point for every INR 150 spent on all other categories. What are the must-sees or must-do's to make sure I get the most out of my 12 hours? You must call UBS or contact your UBS Financial Advisor to apply for the card. Creating the right "experiment" was tricky here. Verdict: Once the $200 travel credit is taken into account, the Platinum Cards price point is more favourable. Contact: 800-953-7392. Visit www.rbc.com/rewardsapp today. 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