You know that there is more to credit cards than just fees and rewards…
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.
“dinner reservations, event tickets, locating hard-to-find items, buying and delivering gifts, and coordinating business related arrangements.”
“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.”
Offer ends December 21, 2018.
Real Life Concierge in Canada
Premium credit cards aim to make your shopping, your travel, and your life easier…
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.
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 will save you on long distance fees.
Another user said that they had tried using credit card concierge “4 times” ‒ but did not find the service helpful.
Here’s are some other responses:
American Express Concierge experience
No-stress concert ticket purchase
Visa Infinite Concierge took too long
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, however, then 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.
3. If you’re a deal hunter, you may do better on your own.
If you’re the type of person that really would rather not pay full price for something, concierge might not be for you. If you ask concierge 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 her 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
Knowing all you know about credit card concierge service, you may now 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.
The Scotia Momentum Visa Infinite is one card that offers this helpful feature. It also gives you up to 4% cash back on your purchases, and you can try it out for the first year for free. Plus, you’ll also earn 10% cash back on purchases made in the first 3 months (up to $2,000 spent)…Is there really a downside?
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…
No Annual Fee + Concierge Service
It’s no secret that most premium credit cards come with a price tag to match, but the
- 2 points for every $1 spent at Nordstroms and Nordstrom affiliated stores, and
- 1 point for every dollar spent everywhere else, plus
- a sign up bonus worth $20 after your first purchase.
And as a Visa Infinite card, this card also comes with 8 different types of travel and purchase insurance, which is great for a no fee card.
No/Low Minimum Income Requirement + Concierge Service
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.
If those annual fees are a little more than you were hoping for, the Scotiabank Gold American Express has a lower annual fee of $99 and a lower minimum income requirement of only $12K. This card also has a great return on spending by giving you 4 Scotia Rewards points on every $1 you spend on gas, groceries, restaurants and entertainment.
Concierge Service with Generous Insurance Coverage + Reimbursement of Travel Fees Up to $250
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 lost and delay, and
- medical emergency up to 60 days (comparable cards only cover 15 days).
Added Bonus: If you are over 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 fee,
- $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.
Plus, until December 31, 2018, spend $3,000 in 3 months and National Bank will rebate the annual fee for the first year.
Concierge Service for the Road Warrior
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.
Concierge Service for the Student
If you’re a student, chances are you’re currently balancing classes, studies, extracurricular, and your social responsibilities. Having someone to help you plan your spring break, or your end of school year bash would be a great – and credit card concierge could help with that.
Credit Card Concierge Contact Info
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.
|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)
|National Bank World & World Elite Concierge||1‑888‑296‑8881|
|BMO Concierge Service||1-800-741-6758|
|CIBC Visa Infinite Travel Concierge Service||1-888-232-5656|
|PC Financial Concierge Services||1-866-892-8683|
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.