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Customer service is important.

It can really make or break an experience.

Being served by a cranky waiter at a restaurant, or dealing with a sales clerk that sighs or rolls their eyes when you ask for a different size in the dressing room, can really put a damper on your mood and your wallet.

Nobody wants sub-par customer service.

This is especially true when it comes to delicate subjects like our hard-earned money.

And it’s even more true when you’re paying high annual fees for certain premium cards.

Doing your research and reading user reviews should help weed out any banks that offer less than acceptable customer service, but there are cards out there that will actually give you specialized or priority customer service.

So, if poor customer service is a deal breaker for you, this list of credit cards with above-and-beyond customer service is a good place to start.

BMO World Elite Mastercard

The offers exclusive priority queuing for its cardholders.


  • call their main customer service line,
  • provide your credit card number, which will identify you as a BMO World Elite holder, and then…
  • you will be directed to a separate queue.

Although this information is not listed on the BMO World Elite card page, we did find mention of it in a press release. We then reached out to BMO customer service ourselves and confirmed that this is still a card benefit.

But wait! The card benefits don’t stop there. With the BMO World Elite Mastercard you’ll also enjoy:

  • one of the best credit card insurance packages on the market,
  • a Mastercard Airport Experience provided by LoungeKey membership, and 4 annual complimentary passes,
  • flexible rewards that can be redeemed for travel, merchandise, gift cards, and investments,
  • a great sign-up bonus,
  • concierge service,
  • up to 25% off car rentals at select locations,
  • Mastercard World experiences, and
  • Mastercard World Elite Priceless Cities.

Not to mention, for a limited time, BMO is giving you this card for free for the first year.

Get all the details here:

American Express cards

American Express is known for having some pretty great perks included with their cards.

Priority customer service is no exception.

Generally, all of their agents are knowledgeable and there’s not often a long wait.

But a few of their premium cards go even further by offering higher-end customer service.

American Express AIR MILES Reserve Card

Similar to the card above, the doesn’t give you priority customer service with Amex, but because it gives you automatic AIR MILES Onyx status, you will get priority service at the AIR MILES call centre.

As an added bonus, AIR MILES Onyx status also gives you:

  • Stage Pass perks, such as reserved ticket access, social media surprises, and VIP contests and experiences,
  • up to 40% discounts on flights,
  • up to 20% discounts on merchandise rewards,
  • invitations to exclusive events and gatherings,
  • the ability to use Dream Miles to order rewards outside the online Catalogue,
  • and much more.

Get all the details here:

Marriott Bonvoy Business American Express Card

The is a credit card for small businesses that offers enhanced customer service from more experienced customer service representatives for its cardholders.

A lot can be said for experienced agents.

I realize that everyone needs to start somewhere, but for a business owner who is dealing with suppliers and has employees counting on them, it would be nice to deal with someone who has a bit of experience backing them up.

Here is an excerpt from the SPG Business card page:

“Dedicated Customer Service: Get information about Card benefits or online account management from specially trained Small Business service specialists. Simply dial the number on the back of your Card and enter your Card number to reach a Business specialist.”

Related: Marriott Bonvoy Amex Canada Review & Point Value Analysis

American Express AIR MILES Business Card

The offers a similar perk to the Marriott Bonvoy Business card, where you have access to more experienced customer service representatives.

These customer service agents will help you manage your Air Miles account as well as answer some more business related questions:

Expert Customer Service: As an American Express Cardmember, you have access to around-the-clock servicing to help you manage your account, whether you’re at the office or on the road.

American Express® AIR MILES for Business Cardmembers also have access to the AIR MILES®* Business Preferred Servicing team who are there to help you manage your AIR MILES®* Collector Account and answer your questions as a small business owner.”

And then there are 6 other cards…

If you thought that was it, you were wrong. As well as the BMO World Elite Mastercard and the 4 American Express cards we mentioned above, there is more.

PC Financial World Elite Mastercard

The PC Financial World Elite Mastercard offers enhanced service so your calls are answered faster, by more experienced agents.

Thanks to this faster and better customer service, the PC Financial credit cards were listed highest in customer satisfaction in a recent J.D. Power’s Canadian Credit Card Study.

Canadian Tire Triangle World Elite Mastercard

The is another retail store credit card that makes it to this list.

This card offers Enhanced Customer Service, aka priority queuing. This means you get special treatment to get ahead of the waiting queue whenever you call customer service.

However, if you don’t shop at Canadian Tire a lot, and you don’t have easy access to any Gas+ locations, this card may not be the best option for you.

Related: The New Canadian Tire Triangle Mastercards

CIBC Aero cards

CIBC has a few cards that offer a priority customer service feature:

  • the ,
  • the ,
  • the , and
  • the .

…However, cardholders really need to jump through hoops to be able to take advantage.

This feature is only available when you’re calling the Aeroplan Call Centre, and you need to achieve Diamond status on your card first.

To reach Diamond status, you would need to earn 100,000 Miles between January 1 and December 31 each calendar year.

For example, with the , on a typical spend, we estimate cardholders will earn 1.065 miles for every dollar spent.

100,000 miles / 1.065 miles = $93,896.71

To reach Diamond status, the average cardholder would need to spend at least $93,896 on their card annually.

And, with the future of Aeroplan still up in the air, this limited priority customer service might not be enough to sway you to get one of these cards.

Related: Visa Infinite ‒ Your Guide To Visa’s Premium Program

The truth of the matter is…

We all want really good customer service.

So, when it’s guaranteed, we’re going to take notice.

If you’re tired of 10-30+ minute waits when calling your credit card issuer, you may want to consider one of the cards mentioned above.

You’re welcome.

We would love to hear from you

Was there ever a time where you received customer service that was above-and-beyond?

Or have you ever received service that left a bad taste in your mouth?

Feel free to tell us about your experiences in the comments below, or leave a review on a particular card you really liked or really disliked.