Highly flexible, transferable, and with a slew of non-travel related rewards, the RBC Avion Visa Infinite offers a lot to those looking for a travel-centric points program. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. But first, below are the highlights of each respective cards and then provided my commentary on some of the key factors to compare. U.S. Bank Altitude Reserve Visa Infinite Card. How can I pay my mortgage off without refinancing? When the travel credit is netted against the annual fee, we can think of the Platinum Card as having an effective annual fee of $499, which is more favourable than what the premium Aeroplan cards are charging. You might be able to qualify for some with a score in the very high 500s. Theres no traditional welcome bonus offered with this card. When comparing all 3 networks, there is 1 main difference between American Express and Mastercard/Visa. You can use 25,000 points for a flight worth up to $350 or 50,000 points for a flight worth up to $900. The content on this site is for informational and educational purposes only and should not be construed as professional financial advice. These high-end credit cards are available only to people who receive an invitation to apply, which millionaires have the best chance of getting. Most cards allow you to apply your earnings as a statement credit, purchase gift cards and other merchandise, and receive cash payments via a check or bank account deposit. It has a welcome bonus of 60,000 points when you make $4,000 in purchases during the first three months. Score: 4.9/5 ( 46 votes ) The Visa Platinum is the second tier of the four Visa credit card types. A payment network processes transactions, meaning it transfers funds from the card issuer to the merchant. But if you're the type of traveler that gets overwhelmed by options, Citi Concierge also narrowed it down nicely to two restaurants that sound decadent. You won't earn rewards with the U.S. Bank Visa Platinum Card. What is the easiest Amex to get approved for? Recently, he's invested in a few pieces of art on Masterworks too. Earn 5 reward points for every INR 150 spent on fuel. 8.945 trillion (4.890 credit, 4.055 debit), 4.767 trillion (3.015 credit, 1.752 debit), Mastercard doesnt set APRs, fees, or rewards, PIN debit card transactions (if processed by Visa), PIN debit card transactions (if processed by Mastercard), 3 free years of Shipt (enroll by December 31, 2024), Mastercard Luxury Hotel & Resorts Portfolio, Trip cancellation and interruption insurance. 4. WebWinner: Platinum Card Concierge wins even if they provided the same number of recommendations as Visa Infinite Concierge. Most Visa Platinum cards require a credit score in the 600s. But if the idea of a $695 annual fee makes you pause just a little bit, perhaps you are searching for an alternative to the Platinum Card by American Express. You might be able to qualify for some with a score in the very high 500s. This blog has partnered with CardRatings for our coverage of credit card products. Winner: While all three concierges did a great job providing me with this information, Visa Infinite Concierge presented the information clearly and concisely, providing estimates tailored to my situation. Your status as a cardmember gets you a 25% discount on inflight food and drinks as well. No Foreign Transaction Fees. However, there are two different phone numbers one dedicated for Visa Signature cardholders and another for Visa Infinite cardholders. I didn't want to make three identical restaurant reservations and then cancel or no-show all of them and waste everyone's time. In addition, youll get $179 in Clear Credit when you pay for your Clear membership with your card. Transferable points currencies should be a huge factor when determining the best card for you. What matters is how long it took for each concierge service to complete my full request. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. For more information on our advertisers, see here. If I were a frequent traveler that preferred using American Airlines, Id probably carry both cards in my wallet. Cash back credit cards offer flexibility by giving you several ways to redeem your rewards. The Visa Platinum is the second tier of the four Visa credit card types. Youll also get a complimentary 12-month Priority Pass Select membership that gives you access to over 1,300 VIP lounges. What are the current COVID-19 restrictions and regulations to be wary of? Get cash when you need it. Score: 4.4/5 ( 20 votes ) The RBC Visa Platinum Avion ($120 annual fee) lets you earn 1 RBC Rewards point per $1 spent on the card and comes with a 15,000-point credit card sign-up bonus. One of his favorite tools (here's my treasure chest of tools,, everything I use) is Personal Capital, which enables him to manage his finances in just 15-minutes each month. The UBS Visa Infinite Credit Card * offers a solid but lesser-known premium travel rewards card. WebScotiabank Gold American Express. Card members also receive luxury gifts from iconic name brands, although Mastercard doesnt specify what those gifts might be. Visa offers 3 levels of benefits for its cards. How does this compare to the American Express Platinum card? At first, they suggested that I take an Uber and recommended that I use the Amex Platinum's $15 monthly Uber Cash credit. The "up to" is key here. The American Express Global Lounge Collection can provide an escape at the airport. Specific benefits for American Express vary by card, but some common benefits offered include things like: Hot Tip: It is important to reference the benefits for your specific card to get a full picture of all of the benefits your card provides. The annual fee is $650 per year. For rates and fees of the Amex Platinum, click here. And youll enjoy preferred boarding status. The Citi AAdvantage card is another option for travelers. The Altitude Reserve card also offers cardmembers 24/7 service to the Visa Infinite Concierge, and you wont pay any foreign transaction fees when you use your card abroad. Learn more about the Mastercard Black Card. The U.S. Bank Altitude Reserve Card offers several great travel benefits and a lower annual fee. I received one email with luggage storage and transportation information and a second email with a more complete city guide. Terms and conditions for using a lounge voucher(opens to external site): Lounge access - RBC vouchers may be used by the WestJet RBC World Elite Mastercard primary cardholder and their accompanied guests. This post contains references to products from one or more of our advertisers. Travel accident insurance and 24/7 travel assistance services are included as well. For example, it's rare to see a high-end credit card these days that doesn't offer some form of a Priority Pass lounge membership and a travel or airline credit worth hundreds of dollars. Score: 4.9/5 ( 46 votes ) The Visa Platinum is the second tier of the four Visa credit card types. As far as rewards go, youll earn 1x points for every dollar spent in most categories. Jim Wang is a forty-something father of four who is a frequent contributor to Forbes and Vanguard's Blog. The Capital One Venture Rewards Card offers several great travel benefits with only an annual fee of $95. Meanwhile, Visa Infinite Concierge merely provided a brief sentence or two about each Winner: Platinum Card Concierge wins even if they provided the same number of recommendations as Visa Infinite Concierge. Visa Infinite Concierge provided the least amount of information, stating that "COVID-19 restrictions are dependent on your point of origin." Winner: The clear winner here is Platinum Card Concierge. "Visa Infinite" is a package of superpremium benefits available on certain cards that carry the Visa label. Management Consulting Company. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. WebScotiabank Gold American Express. And youll earn 2x AAdvantage miles for every eligible American Airlines purchase. With Mastercard and Visa, you will also have a card issuer which is typically a bank. The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. All other purchases will get 1x AAdvantage miles for every $1 spent. If you'd like to add a comment to this article and share your valuable feedback and opinions, please click here to leave your comment. The Global Lounge Collection membership gives you access to over 1,300 lounges in over 500 airports, and 140 countries around the world. All credit bureaus in India offer a credit score between 300-900, 900 being the highest. Although they were incorrect that I could use my $15 monthly Uber Cash credit on Uber rides internationally, the breadth of information about transportation options was more than satisfactory. The UBS Visa Infinite Credit Card currently offers a welcome bonus of 25,000 points when you make $3,000 in eligible purchases during the first three months from card account approval. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. Visa is only a payment network and has cards issued by other banks, like Chase, Bank of America, etc. Now, work has her living in San Diego with her husband, daughter, and yellow lab. Marriott Bonvoy Brilliant American Express Card: See Rates and Fees. The RBC Visa Infinite Avion ($120 annual fee) also lets you earn 1 RBC Rewards point per $1 spent and comes with a 15,000-point sign-up bonus. Credit limits tend to be lower for those with average credit, so access to a higher credit line could be beneficial for your credit score and wallet. Among other benefits, this card comes with $200 in travel credits each year for incidentals such as baggage fees. In the U.S., American Express has virtually the same network size as Mastercard or Visa. Greece has recently reopened to travelers. Click here to see a list of advertisers that we work with. You must call UBS or contact your UBS Financial Advisor to apply for the card. At a minimum, it might be a good idea to keep cards with different networks to cover you in all circumstances. However, there are two different phone numbers one dedicated for Visa Signature cardholders and another for Visa Infinite cardholders. Discover hundreds of deals, discounts and privileges. The Marriott Bonvoy Brilliant Express card is a great choice for frequent/luxury travelers that prefer to stay at Marriott-owner properties when they travel. As far as points go, youll get 5x points on flights when you purchase through Chase Ultimate Rewards. In contrast, many cards offered by Visa and Mastercard only require a fair credit rating of 630. 1X points on spending redeemed at 1.5% of spending if taken as cash back or 2% of spending if redeemed for flights. Therefore, you will get more points with it than with the 1.5 points of the TD card. While it hasn't quite reached the heights of Aeroplan or Air Miles, Avion is an up-and-coming travel rewards program offered by RBC (one of Canada's Big Five banks). I cover all of this and more in this Reflex Mastercard review. CEO Why was my car loan removed from credit report? A credit score of 700 and above is considered as ideal. If most of your transactions will be made in the U.S., you shouldnt really run into any issues with your card being accepted. Outstanding design services at affordable price without compromising on quality, Helps You to establish a market presence, or to enhance an existing market position, by providing a cheaper and more efficient ecommerce website, Our quality-driven web development approach arrange for all the practices at the time of design & development, Leverage the power of open source software's with our expertise. Therefore, you will get more points with it than with the 1.5 points of the TD card. The Visa Platinum is the second tier of the four Visa credit card types. Rs. Platinum Card Concierge provided the following information about the metro: Meanwhile, Visa Infinite Concierge provided this information about the metro: Platinum Card Concierge was the only other service to provide information on alternative modes of transportation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Points earnings as a whole are better with the Platinum card. They provided tons of options that made me want to turn my layover into a full-blown trip to Athens. join our free newsletter and join 25,000+ subscribers learning how to make more money, invest better, enjoy more of life with our 100% free newsletter. The main benefits of Platinum Rewards credit card include the following: Earn 5 reward points for every INR 150 spent on dining. The U.S. Bank Altitude Reserve Card offers several great travel benefits and a lower annual fee. Meanwhile, Visa Infinite Concierge merely provided a brief sentence or two about each With a $495 annual fee, this card comes with plenty of statement credits, including a $250 annual airline fee credit and a $500 dining and airport club statement credit. Hot Tip: Check out our guides to the best Mastercard, Visa, and American Express cardsfor rewards, perks, and cash-back. Each of these credit cards that you apply for has its own set of eligibility requirements related to credit score, credit history, and income levels. Editorial disclaimer: Opinions expressed here are the authors alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. All three concierge services provided excellent restaurant recommendations with all the necessary information (address, hours, phone number and type of cuisine). If you're overwhelmed, you can even select from the many tour companies they hand-picked to help delegate your trip planning. Chase pays more for restaurants (after your six month 10x rewards with Amex expires). Why was my car loan removed from credit report? What are the rewards on the U.S. Bank Platinum card? Theres just not as wide a selection of cards issued by American Express compared to the number of cards that hold the Visa or Mastercard logo. The current welcome bonus consists of 60,000 Membership Rewards Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months. On the other hand, I also had a strong hunch that, outside of the fanciest restaurants in the country, there wouldn't be much variation in how well these concierges could lock down a reservation for me. What is the fastest way to pay off a parent PLUS loan? U.S. Bank Altitude Reserve Visa Infinite Card. How does this compare to the American Express Platinum card? Visa Infinite vs. If you want a card specific to the hotel or airline you frequently use, you might be restricted to certain networks. All three concierge services suggested the same luggage storage at ATH: Care4Bag. For example, Chase credit issues cards with Visa will have both the Chase and Visa logos on them. Amex sourced its information from the travel website Frommers, which emphasized that public transportation is the best option in Athens -- especially the Metro, since buses can get stuck in rush hour traffic. The first is a Welcome Bonus of 75,000 miles when you spend $4,000 on purchases within the first 3 months of opening the account, equal to $750 in travel. A credit score of 700 and above is considered as ideal. You might be able to qualify for some with a score in the very high 500s. Terms apply to the offers listed on this page. U.S. Bank Altitude Reserve Visa Infinite Card. It's worth nothing that the Visa card gets you 6 visits per year, but they can be used on guests as well as yourself. This bonus value is an estimated valuation. They took it a step further and provided a quick blurb about the cuisine, if a restaurant was card-only, its atmosphere and more. P.O. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). You might be able to qualify for some with a score in the very high 500s. As luck would have it, my own laziness created the perfect opening. The annual fee is $400 per year and includes some attractive benefits that are fairly competitive. The Visa Infinite concierge can help you do things like book restaurant reservations, select gifts or obtain event tickets right when they go on sale. Visa Platinum card is the choice of consumers who want more from their cards. While I could reach Chase's concierge service the fastest, there isn't too much variation here -- certainly not enough to choose one service over another. All this with a first-year annual fee rebate! What does your credit score need to be for the Amex Platinum card? Topics included museums and retail reopening, masks, capacity limits and other pandemic restrictions. With Avion, you earn 1 RBC Rewards point for every $1 CAD you spend with your credit card~ plus 25% more when you use your card to book and pay for travel. This means that virtually anywhere that accepts credit cards will accept Mastercard. An Avion credit card lets you earn RBC points wherever you shop and has a more flexible redemption schedule than other frequent flyer programs. Most Visa Platinum cards require a credit score in the 600s. How Do You Choose Between American Express, Visa & Mastercard? For instance, the Chase Sapphire Preferred Credit Card, which has a $95 fee, is a Visa Signature card; the Chase Sapphire Reserve Card, with a $550 fee, is a Visa Infinite card. If youre looking for a business card that earns high cashback rates, you may want to compare the Scotiabank Passport Visa Infinite and the Gold American Express. Plus, RBC Rewards points don't expire1, so you can use your points where and when it's right for you. If you travel often, like luxury travel benefits such as concierge services, and would benefit from the bonus points for travel, get the Platinum card. Box 323 This is a huge change from 5 years ago when American Express was only accepted at 3.7 million. Global customer assistance. However, would an American Express Platinum Alternative be better for you? It seems likely that a huge reason for this increase is due to the fees between the networks becoming closer aligned. AMEX Points vs. Chase Points: Which is Better? These points can be redeemed for travel through UBS's own portal. Here are the best cards for making your trip more comfortable. International, land and ferry travel requirements. Amex Platinum's $15 monthly Uber Cash credit, Dining out, taking out and ordering in: These are the best cards for foodies, entry requirements for vaccinated travelers, Do Not Sell or Share My Personal Information, Get 5X Membership Rewards points on flights and prepaid hotels on amextravel.com, Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year. And youll earn unlimited 2x miles on every purchase, every day. What are the must-sees or must-do's to make sure I get the most out of my 12 hours? How does this compare to the American Express Platinum card? 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