Awesome Credit Card Concierge Services You May Not Be Taking Advantage Of
In the right kind of hotel or resort, a staff concierge will help you make reservations, get a car, buy gifts or arrange a visit to the spa or salon. With the right kind of credit card, you can get the exact same treatment.
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Most credit cards do not come with a team of personal assistants — but some do. You’ll pay for the service, but not always as much as you might think. If your current credit card isn’t helping you save time and get things done, perhaps it’s time for an upgrade.
Wait. My Credit Card Comes With Helpers? What Can They Do?
Premium concierge credit cards offer benefits that are unlike those you’ll find in any standard rewards programs. In most cases, you can call on them 24 hours a day, seven days a week to farm out tedious tasks that you don’t want to do yourself. That includes:
Booking airline tickets or hotel rooms
Making dinner or theater reservations
Reserving rental cars
Wardrobe shopping, personal shopping and gift shopping
Securing personal services like salon visits or pet sitters
Booking VIP events or other exclusive outings, like in-demand sporting events or hard-to-get dinner reservations — if you’re willing to pay the price, that is.
They can’t do anything unethical or illegal, and they can’t do things that can’t be done. If you call your concierge demanding two Super Bowl tickets on the 50-yard line for $30 each, for example, you’ll get the same response that you would have gotten at the ticket box office — a resounding “no.”
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This All Sounds Expensive, Right? Often, but Not Always
Generally, cards that offer concierge services are marketed to well-heeled travelers and other wealthier cardholders who can afford the annual fees, which tend to be steep. The most exclusive concierge card in the world, the invitation-only American Express Centurion Black Card, comes with a $10,000 initiation fee and an annual fee of $5,000.
That — thankfully for mere mortals who might be interested — is an outlier.
The vast majority of concierge cards let you move the decimal point back one place with annual fees between $500-$600. There are a few gems, however, that offer premium concierge services — although not as premium as the extraordinary perks that Centurion Black delivers — for a much more reasonable price. Chase Sapphire Preferred, for example, has an annual fee of just $95, which you could easily pay for a decent rewards card with no concierge services at all.
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Those fees cover the cost of the concierge services — you don’t have to pay anything extra when you request assistance. Keep in mind, however, that whatever you buy will be charged to the card associated with the service, and big asks can cost big bucks.
Is $5,000 or $500 or $95 worth the expense? That, of course, depends on what those numbers mean to you and your budget — but in all cases, concierge cards are only worth the expense if you actually use the service.
Which Credit Cards Can Give Me a Personal Assistant?
According to Forbes, the following credit cards offer concierge services to cardholders who qualify:
American Express
Delta SkyMiles Reserve American Express Card
Hilton Honors Aspire Card from American Express
The Platinum Card from American Express
Centurion Card from American Express
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Capital One
Capital One SavorOne Cash Rewards Mastercard
Capital One Venture Rewards Visa Signature
Capital One VentureOne Rewards Visa Signature
Capital One Walmart Rewards Card
Capital One Quicksilver Cash Rewards Mastercard
Savor Rewards from Capital One Visa Signature
Chase
Chase Sapphire Reserve Visa Infinite
Chase Sapphire Preferred Visa Signature
Chase Freedom Unlimited Visa Signature
Disney Premier Visa Visa Signature
Disney Visa Signature
IHG Rewards Club Premier Credit Card
IHG Rewards Club Traveler credit card
Starbucks Rewards Visa Signature
Southwest Rapid Rewards Priority Visa Signature
Southwest Rapid Rewards Plus Visa Signature
Southwest Rapid Rewards Premier Visa Signature version
United Club Infinite Card Visa Infinite
United Explorer Card
British Airways Visa Signature Card
Aer Lingus Visa Signature card Iberia Visa Signature Card
Amazon Prime Rewards Visa Signature Card
AARP Credit Card from Chase Visa Signature
Marriott Bonvoy Boundless Credit Card
Marriott Bonvoy Bold Credit Card
The World of Hyatt Credit Card
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Citi
American Airlines AAdvantage MileUp Card World
Citi / AAdvantage Platinum Select World Elite Mastercard
Citi / AAdvantage Executive World Elite Mastercard
Costco Anywhere Visa Card by Citi World
Citi Double Cash Card World
Citi Premier Card World
Citi Diamond Preferred Card World
Citi Rewards+ Card World
Citi Prestige Card
Luxury Card
Mastercard Gold Card
Mastercard Titanium Card
Mastercard Black Card
U.S. Bank
U.S. Bank Altitude Reserve Visa Infinite Card
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Last updated: June 18, 2021
This article originally appeared on GOBankingRates.com: Awesome Credit Card Concierge Services You May Not Be Taking Advantage Of
