Best credit cards for concierge services

Complimentary access to concierge services is a benefit that cardholders may not care about or don’t even know they have. For most people, card benefits are all about rewards and welcome bonuses. Some may be aware of warranty extensions, purchase protections and car rental coverage, but who needs a concierge when you have Google?

However, when used right, concierge services can be a useful tool that can free up a lot of your time. It’s like having access to a personal assistant that doesn’t cost you a penny.

Comparing the best credit cards for concierge services

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Top cards for concierge services

Best for luxury travel

The Platinum Card® from American Express

Rating: 4.8 stars out of 5

4.8

• Bankrate’s View

  The Platinum Card® from American Express, which comes with a $695 annual fee, packs in a ton of perks and benefits, including a welcome offer that can earn a large windfall of points worth hundreds or thousands toward Amex’s travel portal, depending on how you redeem them. Its welcome offer and point value turn this uber-premium credit card into a money-maker for the first year.

• Pros & Cons

  

  Pros

  • You’d get access to the Amex Global Lounge Collection, which includes Centurion lounges, International American Express Lounges, Priority Pass lounges and more.
  • The card comes with premium trip protection coverage, including trip delay and trip cancellation insurance.

  

  Cons

  • The $695 annual fee is one of the highest on the market.
  • Some of the card’s niche perks may be too obscure to benefit some people.

Best for lifestyle perks

Capital One Venture X Rewards Credit Card

Rating: 5 stars out of 5

5

• Bankrate’s View

  The Capital One Venture X Rewards Credit Card’s $395 annual fee isn’t cheap, but in the right hands, it can be a bargain. The card’s welcome offer can also help you accumulate hundreds of dollars of value on travel bookings through Capital One’s portal. But this perk is just the beginning. The Venture X has an impressive list of perks and benefits that could offer more value to cardholders for a bit less.

• Pros & Cons

  

  Pros

  • Offers up to $300 in annual statement credits for bookings through Capital One Travel.
  • You can earn 10,000 bonus miles on your account anniversary, which is worth about $100 toward Capital One travel.

  

  Cons

  • The $395 annual fee, though lower than other premium travel cards, may still be quite high for some.
  • There’s currently only one Capital One airport lounge, which is located in Dallas (DFW), but two more are coming.

Best for concerts

Citi Premier® Card

Rating: 4.7 stars out of 5

4.7

• Bankrate’s View

  (This card is no longer available) Despite the reasonable $95 annual fee, the Citi Premier® Card doesn’t compromise on quality. The card offers excellent earning rates on restaurants, supermarkets, hotel and air travel purchases and more. If you’re interested in travel and dining — but you don’t want to pay a high annual fee — the Citi Premier is a good alternative. Plus, you can also get early access to highly anticipated concerts through Citi Entertainment.

• Pros & Cons

  

  Pros

  • You could get a $100 annual hotel credit on a single hotel stay of $500 or more booked through Citi ThankYou.
  • Other benefits include World Elite Mastercard benefits, World Elite concierge services and Citi Concierge services.

  

  Cons

  • Citi’s list of transfer partners isn’t as robust as similar cards’ partners.
  • The card lacks some key travel insurance that you can find with competing cards.

Best for everyday purchases

Chase Sapphire Preferred® Card

Rating: 5 stars out of 5

5

• Bankrate’s View

  The Chase Sapphire Preferred® Card rewards people abroad and at home, earning on Chase Ultimate Rewards, dining, select streaming services and more. You also earn bonus points on each account anniversary equal to 10 percent of your total purchases from the previous year, as well as up to $50 in hotel credits through Chase Travel℠. These features and other perks make the $95 annual fee well worth it.

• Pros & Cons

  

  Pros

  • The card carries high-caliber benefits that are usually reserved for higher-tiered travel cards.
  • The card has great redemption value through hotel and airline transfer partners.

  

  Cons

  • Doesn’t offer airline- or hotel-specific perks like free checked bags, elite status or free night stays.
  • This card doesn’t have intro APR offers, so you won’t get a break on interest charges.

Best for no annual fee

Capital One SavorOne Cash Rewards Credit Card

Rating: 5 stars out of 5

5

• Bankrate’s View

  You may think that only premium credit cards provide access to concierge services, but the Capital One SavorOne Cash Rewards Credit Card proves them wrong. This no-annual-fee card offers complimentary concierge service via Mastercard Concierge. It also comes with a fairly accessible welcome bonus and earns competitively on some of the most popular spending categories.

• Pros & Cons

  

  Pros

  • The card has flexible redemption options like statement credits, checks, gift cards or shopping at Amazon or via PayPal.
  • Card benefits like extended warranty coverage, price protection and travel accident insurance are a big deal to get for no annual fee.

  

  Cons

  • You have to book through Capital One Travel or Capital One Entertainment to earn higher cash back rates, which may feel restrictive
  • It doesn’t have boosted cash back for purchasing plane tickets, a common staple on competing cards.

How to use a credit card concierge

Using your credit card’s concierge is fairly straightforward but can vary depending on the issuer.

• American Express

  Officially, the American Express Concierge program only allows eligible cardholders (currently Centurion, Platinum, Delta Reserve or Hilton Aspire) to get assistance with the following tasks:
  
  

  • Purchasing event tickets
  • Dining or other reservations (including spa and golf reservations)
  • General travel-related inquiries
  • Shopping requests (including gifts)

  You can contact Amex Concierge 24/7 at the phone number printed on the back of your eligible American Express card, or via chat after logging in to your Amex account. Once logged in, simply select “Travel” and then “Manage My Trips.”

  Other American Express cards may be connected to Visa concierge services. Check your card’s benefits guide to see which service is offered.

• Visa

  Visa offers the Visa Infinite and Visa Signature concierge services. Both can assist you with a variety of requests, including:
  
  

  • Travel bookings
  • Reservations at restaurants
  • Tickets for events and concerts
  • Gifts and floral arrangement delivery

  With Venture X, you’ll have 24/7 access to a Visa Infinite concierge. Some people like Visa Infinite Concierge better than Amex Concierge, but that’s a matter of preference. The Chase Sapphire Preferred® Card includes access to Visa Signature Concierge.

  You will have to call the Visa Infinite Concierge Service number or Visa Signature Concierge Service number or go to the Visa Digital Concierge website. You can call the Visa Signature Concierge at 1-800-953-7392 and the Visa Infinite Concierge at 888-315-6982.

• Citi

  Citi Concierge assists with requests related to travel, shopping, dining, entertainment and everyday needs.To contact Citi Concierge, call 1-800-508-8930 or send an email to concierge@yourconciergecenter.com.

• Mastercard

  Amazingly, even no-annual-fee cards get access to Mastercard Concierge. Enjoy access to dining experiences, limo service, golf appointments and more.To contact these concierge services, call the phone number listed in your Capital One card’s Guide to Benefits.

How to choose a card for concierge services

No one chooses a credit card just for concierge services; it’s often merely an afterthought. That said, what if you need to choose between two or three equally attractive cards, but only one of them has concierge access? Being aware of this benefit would probably affect your decision.

When choosing a card with concierge services, keep a few things top of mind.

Try out different concierge services

Not every concierge service is the same. Find the one that works best for you.

If you have several cards with different concierge services, engage them all and see if you find a favorite. Not every experience will be the best, but taking a sample of what each has to offer could help you narrow down the types of cards you’re considering.

Keep card costs in mind

Is the annual fee worth it?

While not every card that offers concierge services charges an annual fee, many premium cards for travel do. Some annual fees are much more reasonable or fit into people’s budgets better than others, so be sure to crunch some numbers so that the perks and benefits are worth the added cost.

Note how you’ll use the card beyond the concierge services

Track your spending to maximize your reward potential.

Remember that the concierge services a card offers are typically secondary to the other perks and value a card can give you. Decide on what kind of rewards and spending categories matter most. Pick cards that align with your current spending habits, then use them to maximize what you earn in those categories. Having the chance to use concierge services could then be the icing on the cake.

Frequently asked questions

• How much does a concierge cost?

  The concierge service is free to cardholders. Still, you are responsible for purchases made through the service, such as deposits on travel bookings or concert tickets. You should never be asked to pay for the concierge service itself.
  

• Can you get concierge service on a card for bad to fair credit?

  It’s unlikely that you will get access to this kind of benefit on a card for bad to fair credit as those cards often focus on credit-building features. In that circumstance, this service can be deemed unnecessary.
  

• When can I call a concierge?

  Most concierge services will be available to call at any time. They may also have a chat service available online with the same flexibility. For time-sensitive requests, it is best to call as soon as you’re able to.
  

The bottom line

Concierge access is probably one of the most underrated credit card benefits, which is unfortunate because a concierge can help you in many ways. They may be able to get you a seat for a sold-out show, book you a table at a popular restaurant, send flowers to your friends in another country or help you plan the trip of your life.

That said, concierge services don’t always excel at tasks. People who expect instant gratification might be especially frustrated since working on a request or inquiry takes time. However, you’ll never know unless you try. Give them some time, be patient and let your concierge — or better yet, concierges (if you have cards from different issuers or networks) — do their job.

Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at upgraded status level through December 31, 2024. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply. 

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.