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. 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. The Capital One Venture Rewards Card offers several great travel benefits with only an annual fee of $95. Amex Platinums fee is higher, but you also get 40,000 more points with 2,000 more in purchases. Having the ability to choose travel or financial redemption options makes the RBC Avion Visa Infinite Card a great asset; however, Aeroplan points are worth more. Fulton, MD 20759, 2023 Best Wallet Hacks All rights reserved. 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. For example, the Capital One Walmart Rewards card is a Mastercard, the Costco Anywhere Visa Card by Citiis on the Visa network, and the Macys Credit Card is processed by American Express. There are a host of other benefits as well, including travel insurance and the 24/7 Premium Global Assist Hotline access to help you deal with emergencies while traveling. The much-lower annual fee will likely make up for what youre not getting in higher-end travel benefits that you might not care about anyway. For Visa Infinite Privilege, the income requirements are $200,000 for either personal or household, at least double the Visa Infinite requirements. While on the American Express Aeroplan * Card, you could earn 50,000 points after six months by spending $3,000. Global ATM network. Visa and Mastercard have traditionally been the main contenders with acceptance at 10.7 million U.S. retailers. 2. All three concierge services suggested the same luggage storage at ATH: Care4Bag. However, if youd rather have more flexibility in where you stay, or if you dont use hotels often, youre likely better off with a general rewards card like the Amex Platinum. 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. Opinions and recommendations are ours alone. Topics included museums and retail reopening, masks, capacity limits and other pandemic restrictions. Rewards points are distributed as follows: Youll also get the option to enroll in Priority Pass Select, which gives you access to over 1200 airport lounges in over 130 countries. It seems likely that a huge reason for this increase is due to the fees between the networks becoming closer aligned. However, would an American Express Platinum Alternative be better for you? The annual fee is $650 per year. Click here to see a list of advertisers that we work with. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. 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. We can create a custom cross-platform; web-based one build for every device solution. In general, the more benefits a card provides, the harder it is to qualify for. This would certainly be my best option since I would have minimal luggage with me. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Most Visa Platinum cards require a credit score in the 600s. What is the easiest Amex to get approved for? How many allowances should I claim if I'm single? When comparing all 3 networks, there is 1 main difference between American Express and Mastercard/Visa. This site does not include all credit card companies or all available credit card offers that are on the market. Load personalized offers for great brands before you shop to get cash savings or to earn bonus points faster. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. Rather than standard credit limits and customer service hotlines, elite invite-only cards can come with unlimited credit lines and personal shoppers willing to track down just about anything. However, there are two different phone numbers one dedicated for Visa Signature cardholders and another for Visa Infinite cardholders. The U.S. Bank Altitude Reserve Card offers several great travel benefits and a lower annual fee. Health protocols of the hospitality and tourism industry in Greece. No Foreign Transaction Fees. 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. There are also some lounges that you can access via the Plat directly, like Delta SkyClubs. Additional visits are $27. Best Credit Cards for Rental Car Insurance, Business Credit Cards for Advertising Purchases, Business Credit Cards for Shipping Purchases, Top Reasons to Get a Business Credit Card, How to Apply For a Small Business Credit Card, Maximize Rewards From Your Business Purchases, Comparing Top 3 Chase Business Credit Cards, Tourist Visa Requirements for U.S. Citizens, How to Cancel an American Airlines Flight, TSA PreCheck Everything You Need to Know, Chicago OHare International Airport [ORD], Best Websites for Booking Affordable Hotels, Best Hilton Luxury Hotels to Book With Points, Guide to Hotel Status Matches and Challenges, Best Marriott Luxury Hotels to Book With Points, Best Ways to Redeem Marriott Points for Hotels, Best IHG Luxury Hotels to Book With Points, Marriott Bonvoy Hotel Loyalty Program Review. As far as rewards go, youll earn 1x points for every dollar spent in most categories. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. Among other benefits, this card comes with $200 in travel credits each year for incidentals such as baggage fees. While this is great for simple requests like restaurant reservations, I wanted to speak to a human for a more complicated request. Thats better than American Express. We'll run a soft credit check to find special offers, but it wont affect your credit score. Most Visa Platinum cards require a credit score in the 600s. Putting this all together, there are a few important items to consider when deciding between these 3 major credit card networks. The card awards 3x points for commercial air travel, 2x points for gas and groceries, and 1 point for all other eligible purchases. 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. Today, I will be comparing the American Express AeroplanPlus Platinum Card, CIBC Aerogold Visa Infinite Privilege and TD Aeroplan Visa Infinite Privilege Card. For example, are you looking for a card that can get you into airport lounges (like Priority Pass or Centurion lounges), give you cash-back on certain spending categories, or offer 0% APR balance transfers? Verdict: Once the $200 travel credit is taken into account, the Platinum Cards price point is more favourable. They took it a step further and provided a quick blurb about the cuisine, if a restaurant was card-only, its atmosphere and more. This is especially true if you like to travel frequently and enjoy the finer things in terms of dining, accommodations, and other travel expenses. So what does that mean for you? Card Rating is based on the opinion of TPGs editors and is not influenced by the card issuer. In contrast, many cards offered by Visa and Mastercard only require a fair credit rating of 630. The annual fee is $400 per year and includes some attractive benefits that are fairly competitive. If you want a store card, you may not have any say in what network you use. 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. 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. In February 2020, Nilson reported that Visa and Mastercard swipe fees had a weighted average of 2.26% compared to American Expresss average fee of 2.3% making this only a 0.04% difference. This means that virtually anywhere that accepts credit cards will accept Mastercard. 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. 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. Meanwhile, Visa Infinite Concierge merely provided a brief sentence or two about each You might be able to qualify for some with a score in the very high 500s. If you're overwhelmed, you can even select from the many tour companies they hand-picked to help delegate your trip planning. The Citi Premier Card is one option, and it comes with a $95 annual fee. Best Alternatives to American Express Platinum, 3. His approach to personal finance is that of an engineer, breaking down complex subjects into bite-sized easily understood concepts that you can use in your daily life. There are all sorts of credit cards on the market including cash-back cards, rewards cards, business cards, etc. Now, work has her living in San Diego with her husband, daughter, and yellow lab. Creating the right "experiment" was tricky here. Two of the most popular credit card families are AMEX and Chase, and both are known for their reward points. It's free. In the example noted above, Chase is the credit card issuer and Visa is the payment network. This post contains references to products from one or more of our advertisers. With the TD Aeroplan Visa Infinite* Card, you could earn 40,000 points after six months by spending $5,000. However, there are two different phone numbers one dedicated for Visa Signature cardholders and another for Visa Infinite cardholders. Meanwhile, Visa Infinite Concierge merely provided a brief sentence or two about each restaurant. Plus, RBC Rewards points don't expire1, so you can use your points where and when it's right for you. WebScotiabank Gold American Express. 400 if the minimum and the maximum is Rs. 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. It's the top tier within Visa's three levels of benefits, tailored to high-net-worth cardholders. Ltd. Design & Developed by:Total IT Software Solutions Pvt. While on the American Express Aeroplan * Card, you could earn 50,000 points after six months by spending $3,000. The Visa Platinum is the second tier of the four Visa credit card types. Box 323 Visit www.rbc.com/rewardsapp today. Therefore, you will get more points with it than with the 1.5 points of the TD card. The ability to redeem Avion points at 2cpp for business class and First Class flights as a Visa Infinite Privilege or Business cardholder is just one of the many under-appreciated sweet spots within the overall RBC ecosystem. It was a close race, but I did manage to come up with a winner. Other benefits include access to charter services, room upgrades, premium car rentals, and 24/7 access to Luxury Card Concierge, a concierge service dedicated to taking your travel experience to the next level. But first, below are the highlights of each respective cards and then provided my commentary on some of the key factors to compare. In addition, Mastercard is accepted inover 200 countries and territories throughout the world. AMEX Plat's PP Select gets you unlimited visits, but guests are $29. Thats significantly lower than the Amex Platinum offer, though the spending requirement to earn the bonus is also lower. And youll earn unlimited 2x miles on every purchase, every day. The Visa Platinum is the second tier of the four Visa credit card types. 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. It has a welcome bonus of 60,000 points when you make $4,000 in purchases during the first three months. Email needed if you'd like comment updates. Contact: 800-953-7392. Priority Pass Select is included, which means youll have access to over 1,300 lounges in over 500 cities worldwide. $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card or any of the Additional Cards on your Platinum Card account. Many of the Visa Infinite perks offer higher levels of protection compared to the Visa Signature version of the benefits. This site does not include all credit card companies or all available credit card offers. No Foreign Transaction Fees. 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. Related: Dining out, taking out and ordering in: These are the best cards for foodies. What percent of income should go to mortgage? For an all-in-one solution towards many of lifes common expenses, the Scotiabank Passport Visa Infinite Card packs quite a punch. Just to be safe, the bestbet when traveling abroad is to have a Visa or Mastercard in your wallet. What transactions get reported to the IRS? Performing arts (dance, film, music and opera). Earn 5 reward points for every INR 150 spent on fuel. This is a huge change from 5 years ago when American Express was only accepted at 3.7 million. You might be able to qualify for some with a score in the very high 500s. Terms Apply. 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. In the U.S., American Express has virtually the same network size as Mastercard or Visa. Visa Infinite vs. 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. There is currently a welcome bonus of 60,000 Ultimate Rewards points after you spend $4,000 in purchases within the first three months. Here's the rundown. Alliant Cashback Visa Signature Credit Card. Some networks are more widely accepted, some offer better customer service, and others might be the best choice if you have less than stellar credit. My upcoming itinerary to Italy included a 12-hour layover at Athens International Airport (ATH), and I was 100% committed to getting out of the airport and exploring the city a bit since Greece has recently reopened to travelers. Card members also receive luxury gifts from iconic name brands, although Mastercard doesnt specify what those gifts might be. How can I pay my mortgage off without refinancing? The biggest difference between Visa Infinite and Visa Infinite Privilege is the amount of benefits you'll receive. What are the current COVID-19 restrictions and regulations to be wary of? Compare the cost in points or miles to cash, and see which option is best. Credit ranges are a variation of FICO Score 8, one of many types of credit scores lenders may use when considering your credit card application. Winner: Platinum Card Concierge wins without a fight, but even if Visa Infinite Concierge and Citi Concierge got back to me, I'm confident that Platinum Card Concierge still would have won. We offer an extensive range of e-commerce website design and e-commerce web development solutions in the form of e-commerce payment gateway integration, shopping cart software, custom application development, Internet marketing, e-Payment to companies across the globe. From last times post, note that American Express has discontinued its Platinum version of the card, so the Reserve card is the closest comparison to the CIBC and TD Visa Infinite Privilege versions. Having a platinum credit card used to mean that your credit card was more exclusive and elite than a normal credit card. Plus, your own feed of TPG content. 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. It has a $99 annual fee, but the fee is waived for the first 12 months. 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. 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