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You know that there’s more to credit cards than just fees and rewards…

We’ve talked about the types of insurance and 17 drool-worthy perks ‒ and one of those 17 perks is concierge service.

Compared to the more sought-after perks like sign-up bonuses, credit card concierge flies under the radar. Because, unlike a sign up bonus with a direct and immediate dollar value, the value of concierge is more subtle.

So, let’s unpack “subtle” and figure out exactly what concierge is, including:

  • what are its common uses, and
  • if it is the kind of credit card perk you actually want.

What is credit card concierge service?

In the same way that a hotel concierge helps customers by booking restaurant reservations and spa appointments or giving recommendations for all the city “hot spots” ‒ credit card concierge service is there to help you:

  • make plans,
  • schedule the perfect date,
  • shop for a special gift,
  • and more.

Think of them as your very own personal assistant you can call when you need something special done.

Concierge defined

Amex says that their concierge staff is “at your service,” whether you’re in need of small favours or extravagant entertainment.

Mastercard World Elite says that their service allows cardholders to enjoy assistance with:

dinner reservations, event tickets, locating hard-to-find items, buying and delivering gifts, and coordinating business related arrangements.”

Then Visa describes their Visa Infinite Concierge Service with the following statement:

The Visa Infinite complimentary Concierge can help create whatever your idea of great is. With only a phone call, the Concierge can take care of any requests – from making dining reservations to helping plan a birthday party to building vacation itineraries and more.

Real-life concierge in Canada

Premium credit cards aim to make your shopping, travel, and life easier…

Sounds hokey?

Maybe a little too good to be true?

Sure, we’re a little skeptical too ‒ so we posed this question to reddit users to see if they had ever used this service and how their experience was.

Credit card concierge reddit question

As with anything, some folks loved their concierge experience, while others remained unimpressed.

One Reddit user mentioned that they found the service very useful for event tickets and dinner reservations, especially when on vacation to a place where English is not the primary language. So, if you’re trying to make plans in Italy or Japan or any other foreign location, credit card concierge could save you a lot of miscommunication and headaches – plus, it’ll save you on long distance fees.

Another user said that they had tried using credit card concierge “4 times” ‒ but didn’t find the service helpful.

Here’s are some other responses:

American Express concierge experience

American Express Concierge experience

No-stress concert ticket purchase

No-stress concert ticket purchase

Visa Infinite Concierge took too long

Visa Infinite Concierge took too long

Be specific with requests

Be specific with requests

Tips from concierge users

And with that last point in mind…

Concierge can be a hit or miss, so here are some tips to keep in mind.

1. Sometimes it might be easier to do it on your own.

In some situations, it might make more sense to just do the work yourself. If you’re looking for an easy to get concert ticket, logging into Ticketmaster might be easier than calling a 1-800 number to explain to them what you want.

However, if you’re wanting to score tickets to a hot show, and you don’t have the time (or the patience) to sit around, hitting refresh, waiting for said tickets to go on sale, that is something you could easily hand over to a concierge agent.

2. Be specific, if the specifics really matter.

Be sure to express clearly what you’re looking for. Concierge agents cannot read your mind, so if you’re trying to stay within a certain budget or looking to get into a specific restaurant, be sure to communicate that to the concierge agent.

If the specifics really don’t matter to you, being flexible could make it even easier for you to have your requests fulfilled. For instance, if you’re wanting to send flowers somewhere, perhaps just give them your max budget, and let them worry about the type of bouquet.

3. If you’re a deal hunter, you may do better on your own.

If you’re the type of person that would rather not pay full price for something, concierge might not be for you. If you ask the concierge service to get you tickets to a broadway show, they might just take the first tickets that come along, instead of hunting around for the best deal.

Or if you ask them to book a hotel for you and you’re willing to pay up to a certain amount, they may book you a room at the top of your budget, instead of considering options that are lower in price.

4. Concierge Service can help when you’re in a jam.

One credit card user reached out to us on Facebook let us know that she and her family, who love to travel, have used concierge when they were stranded due to delayed or cancelled flights. They were able to just call concierge and leave all the re-booking in their hands. By doing this, our reader and her family were able to take advantage of their time “stranded” and get in some fun sightseeing in unexpected places.

Which credit cards include concierge service?

Now that you know all about credit card concierge service, you may be wondering which credit cards offer this premium perk.

For starters, concierge comes standard on any and all World & World Elite Mastercards and Visa Infinite & Visa Infinite Privilege cards. So if you carry one of these cards, then you already have access to concierge.

Let’s take a look at a few of our favorites.

Scotia Momentum Visa Infinite

The Scotia Momentum Visa Infinite is one card that offers this helpful feature. It also gives you up to 4% cash back on groceries, recurring bills, plus 2% on gas and daily transit. You can also try it out for the first year for free…Is there really a downside?

TD Cash Back Visa Infinite* Card

The TD Cash Back Visa Infinite* Card also offers concierge service as one of its perks. Plus, you’ll get 10% cash back on all purchases for your first 3 months, up to $2,000 spent, and then 3% on recurring bills, groceries, and gas.


On the Mastercard World Elite side of things, the BMO AIR MILES World Elite is another one that offers this 24/7 service. If you’re an AIR MILES collector, this card is the Best AIR MILES credit card by far, you get:

  • 1 mile for every $10 spent, and
  • 15% discount on AIR MILES flights within North America.

If World Elite and Visa Infinite cards feel a little too rich in terms of annual fee and income requirement, then keep reading…

Platinum American Express cards

If an annual fee doesn’t scare you away, but you are looking for a premium card that doesn’t require an $80K annual income, the Scotiabank Platinum American Express ($12K income requirement) and the American Express Platinum Card ($0 income requirement) are two great cards that offer credit card concierge.

But with annual fees of $399 and $699 respectively, these cards would only make sense for you if you are spending at least $2,000 a month on your credit card. Aside from great concierge service, both cards come with lounge visits, comprehensive insurance packages, solid sign up bonuses, and plenty of other travel perks. The Platinum Card from American Express definitely comes out on top, however, due to the fact that it comes with a $200 annual travel credit.

Scotiabank Gold American Express

If those annual fees are a little more than you were hoping for, the Scotiabank Gold American Express has a lower annual fee of $120 and a lower minimum income requirement of only $12K. This card also has a great return on spending by giving you 5 Scotia Rewards points on every $1 you spend on groceries, restaurants, and entertainment.

National Bank World Elite Mastercard

If your lifestyle is one that includes traveling and shopping abroad, National Bank World Elite Mastercard offers some great travel insurance, like:

  • trip interruption,
  • trip cancellation,
  • baggage loss and delay, and
  • medical emergency up to 60 days (comparable cards only cover 15 days).

Added Bonus: If you’re over the age of 65, this card will cover you for 15 days of travel – which is a feature that is pretty hard to find.

Making your purchases with this card also gives you generous purchase protection of 180 days and extended warranty that triples up to 2 additional years.

Even if its annual fee is $150, you can receive up to $250 in fee reimbursements EVERY year on travel expenses:

  • $100 for airport parking fees,
  • $100 baggage fee, and
  • $50 seat selection.

And to top it off? You get unlimited access to National Bank VIP lounge at Montreal Trudeau airport.

BMO Shell CashBack World Mastercard

If gas is one of your main expenses and you spend a fair amount of time in your car, the BMO Shell CashBack World Mastercard will not only give you valuable cash back rewards, but also a great insurance package and complimentary roadside assistance (valued at $69/year).

And as an added bonus, at $79/year, this card also has one of the lower annual fees when it comes to World Mastercards on the market right now.

Credit card concierge contact information

Looking to get ahold of your credit card concierge to plan your partners birthday party? Or possibly to get tickets to your dream concert? These numbers should help you get in touch with a concierge agent quickly.

Company Phone Number
Visa Infinite Concierge 1-888-853-4458
1-630-350-4545 (if calling from outside Canada or the US)
Mastercard World Elite Concierge To contact the concierge, call the number on the back of your Mastercard World Elite card.
American Express Concierge Platinum Card Concierge
* In Canada/U.S. : 1-866-323-6979 (toll-free)
* Outside Canada/U.S : (905) 474-9279 (collect)
Scotiabank Gold & Platinum American Express Concierge 1-800-665-2582
Outside Canada/US call collect: (905) 696-5088
National Bank World & World Elite Concierge 1‑888‑296‑8881
BMO Concierge Service 1-800-741-6758

Now it’s your turn

Have you ever used credit card concierge service? If so, how was your experience?

Does credit card concierge sway whether or not you will apply for a credit card?

We would love to hear from you in the comments.