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How Credit Card Concierge Service Works (Plus Our Top 7 Cards)

Updated Oct 15, 2021 | Published Jan 06, 202110 min read

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At a glance

A credit card concierge can provide timesaving assistance with dinner reservations, travel plans, finding gifts, and recovering lost items, among other things. Concierge service can’t work magic, but in some cases it’ll get better results than you could on your own.

Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.

The information related to The Business Platinum Card® from American Express, Centurion® Card from American Express, Walmart Rewards Mastercard, Chase Freedom Flex℠, Southwest Rapid Rewards® Plus Credit Card, Southwest Rapid Rewards® Premier Credit Card, and Southwest Rapid Rewards® Priority Credit Card have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.

If you’re not a credit card aficionado, the word “concierge” likely conjures the image of an opulent five-star hotel with a smartly dressed waitstaff that’s primed to accommodate your every desire.

Perhaps unsurprisingly, that’s not exactly how credit card concierge services work. But honestly? It’s not all that far off.

What Is Credit Card Concierge Service?

Credit card concierge service is a card benefit that’s designed to help cardholders get the products, services, and information they need in a timely and convenient manner. It’s included with a variety of credit cards, which seems to include all of those issued at the World Mastercard, World Elite Mastercard, Visa Signature, and Visa Infinite tiers.

Need reservations at a restaurant that serves a good steak? Contact your concierge. Struggling to book a last-minute holiday hotel stay? Give your concierge a call, and they can likely find you a room. It’s a bit like having your own personal assistant.

There are limitations, of course. Your credit card concierge can’t typically do anything you can’t do yourself (though certain providers may have partnerships that provide access to unique cardholder deals). It can, however, make it a lot easier to find or accomplish things that you’re struggling to do — or that you simply don’t want to do — on your own.

Aside from what you’re paying for the card itself (if anything), credit card concierge service is totally free. You still have to pay for any products or services you acquire through concierge service, but concierge assistance itself costs nothing.

Enrollment required for select benefits; terms and limitations apply.

What Are the Best Credit Cards With Concierge Service?

We’ll talk about how concierge service works in a second, but before that, we’ll list a few of our favorite credit cards that provide the perk.

There are plenty of great picks, from simple rewards cards to premium cards with luxe travel benefits. The following cards all include concierge benefits, and each is a great credit card offer all around:

How Do Credit Card Concierge Services Work?

You’ll generally have to contact your credit card concierge service by phone. You should be able to find the phone number in your card’s Guide to Benefits, though you may be able to reach your concierge by calling the number on the back of your card or simply searching for the number on the web. Credit card concierge services can usually be accessed 24/7.

Insider tip

Not all concierge services require you to call. Luxury Card, for example, lets you contact concierge reps by email, or via live chat through the issuer’s mobile app. It’s rare now, but it’s not unlikely that you’ll see this functionality spread to other issuers in the future.

Once you’re on the line with a concierge representative, you may have to provide some information about your card account to confirm that you’re actually the cardholder in question (learn more about the anatomy of a credit card if you’re not sure where to find the numbers you’re asked for). Then, you can make your request.

Be as specific as possible if you’re set on getting the results you’d like. Bear in mind that the concierge can’t usually do anything you can’t do (like make dining reservations at a restaurant when it’s fully booked), but it should be able to help you with certain tasks you might find difficult, like finding a holiday gift that’s out of stock at local stores.

Provided your request can be accommodated, you’ll be given a rough timeline of how long it’ll take. It’s rarely immediate — you’ll probably have to wait a day or two, sometimes more.

Once the concierge has completed your request to the best of its ability, a rep will call you or send you an email with the results, and will help guide you through any further steps you may be able to take.

What Can a Credit Card Concierge Service Do for You?

Credit card concierge services are convenient, but they’re not magic. They can’t usually do anything that you couldn’t do yourself if you tried hard enough. They can make lots of things easier, though. Here’s an idea of what your concierge can (probably) do:

  • Book travel: Comparing the price of travel (airfare, bus tickets, hotel rooms, etc.) can be surprisingly time-consuming. Why not ask your concierge to set up your trip for you? Your concierge can help with the rest of your travel planning, too — finding attractions, identifying restaurants that suit your dietary needs, reserving a rental car (make sure to use a card with rental coverage if you’re taking that route), and that kind of thing.
  • Make dinner reservations: Need restaurant reservations for an upcoming family outing or business meeting? Your concierge can’t get you in if it’s fully booked, but it should be able to help you arrange a reservation for the most convenient opening available.
  • Purchase tickets: Concierge services are great for securing tickets to sporting events, concerts, and other high-demand happenings. Even if the event is sold out, the concierge may be able to find you a ticket through a reliable reseller.
  • Locate hard-to-find items: Whether you’re after a toy that’s in high demand or a certain grocery item that’s out of stock at all of your local big box retailers, your concierge can likely help get what you need.
  • Recover lost/forgotten items: If you’ve left something behind (at a hotel room, for example), your concierge may be able to arrange someone to collect and return it before it’s lost to the ether.
  • Conduct research: Provided it’s not classified knowledge, your concierge should be able to look into pretty much anything, information-wise, even if that means reaching out to a brand or another party with questions.

When it comes down to it, a lot of what a concierge service can do for you depends on how much you’re willing to spend. Some of the more out-of-the-box concierge anecdotes involve wealthy cardholders using concierge services to secure absurd collectors’ items, like concept cars and paintings worth millions.

Even in those cases, though, the cardholders could theoretically have contacted the appropriate parties themselves. But who knows if they’d have gotten a response, and why spend the time if someone else is getting paid to do it for you?

Credit Card Concierge in Practice: Real-World Examples

Though the above list offers a good idea of what credit card concierge services can do for the everyday cardholder, it’s hard to illustrate just how useful your concierge can be without diving into real-world anecdotes of how the perk has been used in the past. Some of these can’t be verified, but they seem realistic enough in the grand scheme of things.

Ears Like Spears

An Australian Britney Spears fan was dead set on securing a pair of the earrings Spears wore in her “Criminal” video for his girlfriend. The earrings weren’t exactly easy to find, so he contacted his credit card concierge.

Rigorous research pointed to Chanel as the potential creator of the earrings, but that didn’t pan out — Chanel’s earrings were different. The concierge kept trucking, though, and eventually traced the earrings to an independent jeweler in Texas.

Then came the next catch. Though they only cost a mere $18, the earrings were no longer being produced. Even so, the concierge managed to convince the jeweler to produce another pair, which the cardholder then gave to his girlfriend for her birthday.

Insider tip

Australian credit cards are quite a bit different from American cards, but based on our research, there’s no reason a U.S.-based concierge shouldn’t be able to put in the level of effort exhibited here.

Wii Can Do It

In a Reddit Ask Me Anything thread, a former Amex concierge employee was asked to list a request he or she would’ve liked to decline, but couldn’t. The answer? Find a Nintendo Wii. The employee apparently worked the concierge during the console’s release, when it was virtually impossible to find.

But “giving up” isn’t in the American Express Concierge job description. The employee pressed on, calling stores for weeks on end until a Wii was finally found, set aside, and shipped from a store in Ohio.

Exploring the DMZ

J. Brist, an Amex cardholder who responded to a survey requesting the details of cardholders’ wildest concierge requests, was eager to tour the demilitarized zone (DMZ) between North and South Korea. Technically, you can already book tours for this kind of thing, but everything was booked up the one day he and his wife were scheduled to be in Seoul.

So, he gave Amex Concierge a call, and voila — the spots were found and the trip was booked without a hitch.

What Can’t a Credit Card Concierge Service Do for You?

Concierge service naturally has limits. Limitations may vary by issuer or network, but you can generally assume all major concierge providers are governed by strict policies concerning what they can and can’t do. This isn’t an exhaustive list, but here are some examples of what your concierge probably won’t be able to help with:

  • Break the law: Don’t turn to your concierge for help planning your next robbery.
  • Sell things for you: Your concierge isn’t a sales rep. Instead, request a list of places you might be able to sell whatever it is you’re trying to sell.
  • Do your homework: Though a concierge can research things like the cost of a kitchen renovation project, your concierge service will not complete homework for you. It might be able to help you find information that’s useful for your work, though.
  • Provide medical advice or assistance: Concierge services can’t provide direct medical help, but you can ask for a list of practices that offer a certain medical service you’re looking for.
  • Provide private or classified information: And no, you can’t ask what kinds of requests other cardholders have made.
  • Run errands for you: Your concierge won’t deliver your groceries, but it can help you arrange a delivery with a grocery service that operates in your area.

How Do You Get A Credit Card Concierge?

To get a credit card with concierge service, you have to apply for one that provides it. Quite a few cards come with concierge benefits, so you shouldn’t have much trouble finding something that matches up with your spending habits.

Just take note that concierge perks will sometimes only come at certain card tiers.

For example, some Visa cards can be issued at either the Visa Platinum or Visa Signature level. But in most of these cases, only Visa Signature cards come with a concierge. The base credit limit for Visa Signature is usually $5,000, so you’ll probably need better credit scores and a higher income to qualify compared to cards at the Visa Platinum tier.

Credit Card Concierge Providers

Credit card concierge service is generally provided through the card’s network — Visa or Mastercard, for example — though certain credit card issuers market their concierge services under their own names (like Citi). The main concierge providers are:

  • Visa: Visa cards offer concierge services starting at the Visa Signature tier, which means it should be available with Visa Signature and Visa Infinite cards.
  • Mastercard: Like Visa, Mastercard offers concierge services at two benefit tiers: World and World Elite.
  • American Express: Amex includes concierge with a particularly exclusive selection of cards: The Platinum Card® from American Express (Review), The Business Platinum Card® from American Express (Review), and the Centurion® Card from American Express (Review) (terms apply). These are the issuer’s three most premium cards, so it’s no surprise that many of the internet’s most outlandish concierge anecdotes involve American Express.
  • Citi: Citi boasts its own concierge service, and it’s available with several of the issuer’s cards — a much less exclusive selection than that of American Express.
  • Luxury Card: Known for its Mastercard-branded metal credit cards, Luxury Card Concierge is available 24/7 to all Luxury Card cardholders. Luxury Card’s concierge is accessible by phone, email, and live chat in Luxury Card’s mobile app.
Insider tip

Starting at the World Mastercard tier, Mastercard credit cards also provide Mastercard Airport Concierge, which is a bit different than traditional credit card concierge services. This perk provides access to (and discounts on) a variety of airport services, from chauffeured rides to personal airport escorts, at more than 700 airports worldwide.

What’s the Best Credit Card Concierge Service?

Concierge service is concierge service, for the most part. What your concierge can do for you basically depends on how creative you get with your requests and how much money you have to spend. However sparkly the marketing, a premium card’s concierge service probably can’t do too much more than, say, Visa Signature concierge.

With that said, certain credit cards come with additional benefits that work in conjunction with concierge service to deliver a more luxurious experience. For example, the concierge service may have a special relationship with a network of restaurants or merchants that can grant you access to certain perks others may not have.

American Express is one such case. Its premium cards include the Global Dining Collection, which offers access to a selection of exclusive restaurant reservations and personalized culinary experiences. The collection pairs impeccably with Amex concierge, which can help cardholders arrange these experiences. (Cardholders of the Centurion® Card from American Express (Review) are also reputed to have access to a better-than-average concierge.)

Luxury Card’s concierge is somewhat unique, too. It’s accessible through live chat in the issuer’s mobile app and via email (whereas most are only accessible by phone), adding a touch of convenience that may appeal to those who’d rather not have to commit to a voice conversation to request assistance.

Our Top Picks: Credit Cards With Concierge Service

Concierge service is concierge service. From one card to the next, the differences shouldn’t be too stark. So, for our favorite concierge cards, we’ve simply picked some of our favorite cards that just happen to include concierge perks.

Premium Travel Rewards: The Platinum Card® from American Express

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The Platinum Card® from American Express
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  • Min. credit levelGood
  • Annual Fee$695
  • Purchase APRSee Pay Over Time APR

Rates & Fees

American Express is a Credit Card Insider advertiser.

Key Features

  • Global Lounge Collection: Enroll for complimentary access to Priority Pass, Centurion, American Express International, Delta Sky Club, Escape, Airspace, Lufthansa, and Plaza Premium Lounges.
  • Up to $200 in annual Uber Cash: Add your Platinum card to the Uber App to get up to $15 in Uber Cash per month, plus a bonus $20 in December; U.S. Eats orders and rides only.
  • $200 hotel credit: Get up to $200 in statement credits each year for prepaid hotels booked through The Hotel Collection and Fine Hotels & Resorts; must pay with the Platinum card.
  • $300 Equinox credit: Pay with your Platinum card to get up to $300 in statement credits annually with Equinox (up to $25 per month), for Equinox All Access, Destination, E by Equinox, or Equinox+ membership fees.
  • $240 digital entertainment credit: Pay with your Platinum card to get up to $240 in statement credits annually for digital entertainment (up to $20 per month), only for eligible purchases from Peacock, Audible, SiriusXM, and The New York Times.
  • CLEAR credit: Up to $179 in statement credits annually for CLEAR biometric security, enough for a membership.
  • Uber Eats Pass: Get unlimited $0 delivery fees and 5% off orders at eligible restaurants for 12 months; must enroll by 12/31/21. Taxes and service fees may apply and do not count toward the order minimum. Eats Pass will start auto-billing 12 months from enrollment, at then-current monthly rate. Learn more.
  • Uber VIP status: Add your Platinum card to the Uber App to get Uber VIP status where available.
  • Global Entry or TSA PreCheck application fee credit: A statement credit for the application fee of either Global Entry ($100 every four years) or TSA PreCheck ($85 once every four and a half years)
  • Complimentary elite hotel statuses: Hilton Honors Gold status and Marriott Bonvoy Gold Elite status
  • The Hotel Collection: A $100 hotel credit and room upgrades when available for every eligible two-night stay
  • Fine Hotels & Resorts Program: Daily breakfast for two, room upgrades when available, amenities valued at $100, and more at eligible properties
  • $100 annual Saks credit: Up to $100 in statement credits each year for Saks Fifth Avenue: $50 from January through June, and $50 from July through December
  • Global Dining Access by Resy: Resy provides access to exclusive reservations and dining experiences.
  • Point transfer: To a selection of airline and hotel loyalty programs
  • Shopping and travel protections: Purchase Protection; Extended Warranty; Return Protection; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Trip Delay Insurance; Trip Cancellation and Interruption Insurance
  • No foreign transaction fee
  • Annual fee: $695

Enrollment required for select benefits; terms and limitations apply.

The Platinum Card® from American Express (Rates & Fees)

Travel, Low Annual Fee: Chase Sapphire Preferred® Card

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Chase Sapphire Preferred® Card
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  • Min. credit levelGood
  • Annual Fee$95
  • Purchase APR15.99% - 22.99% Variable

Key Features

  • 10% annual point bonus: Get a 10% bonus on all points earned in the past year; awarded on your account anniversary.
  • 25% redemption point bonus: Get 25% more value when redeeming for travel expenses through Chase Ultimate Rewards; that means each point is worth 1.25 cents. Chase may give a 25% bonus for other redemption types as well.
  • Point transfer: Transfer points at a 1:1 rate to leading airline and hotel loyalty programs, like Marriott Bonvoy and United MileagePlus.
  • DoorDash membership: Get a free membership (DashPass) for at least a year, which provides free delivery and reduced service fees on orders over $12.
  • $60 Peloton credit: Enroll to get up to $60 back for an eligible Peloton Digital or All-Access Membership (through 2021). No fitness equipment is required.
  • Shop through Chase/Chase Offers: Earn more points by shopping at participating retailers with the Shop through Chase and Chase Offers shopping portals.
  • Visa Signature Concierge: Call to speak with your Visa Signature Concierge any time, day or night.
  • Primary Auto Rental Collision Damage Waiver: Get primary coverage on eligible rental vehicles so you don’t have to pay for rental insurance and your premiums won’t go up after an accident.
  • Travel protections: Roadside Dispatch; Trip Delay Reimbursement; Trip Cancellation / Trip Interruption Insurance; Baggage Delay Insurance; Lost Luggage Reimbursement; Travel Accident Insurance; Travel and Emergency Assistance Services
  • Shopping protections: Purchase Protection; Extended Warranty Protection
  • No foreign transaction fee
  • Annual fee: $95

Flat-Rate Cash Back: Citi® Double Cash Card – 18 month BT offer

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Citi® Double Cash Card - 18 month BT offer
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  • Min. credit levelGood
  • Annual Fee$0
  • Purchase APR13.99% – 23.99% (Variable)

Citi is a Credit Card Insider advertiser.

Key Features

  • Concierge: Citi
  • Annual fee: $0
  • Introductory bonus: None
  • Rewards: 2% back on every purchase (must pay at least the minimum due on time; 1% back when you make a purchase, 1% back when you pay for that purchase)
  • Other benefits: Citi Entertainment, free FICO Bankcard 8 score, virtual account numbers, The Lost Wallet Service

General Rewards, No Annual Fee: Chase Freedom Unlimited®

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Chase Freedom Unlimited®
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  • Min. credit levelGood
  • Annual Fee$0
  • Purchase APR0% Intro APR on Purchases for 15 months, then 14.99% - 23.74% Variable

Key Features

  • Concierge: Visa Signature (no concierge if issued at the Visa Platinum tier)
  • Annual fee: $0
  • Introductory bonus: $200 bonus for spending $500 in the first 3 months
  • Rewards: 5% cash back on travel purchased through Chase Ultimate Rewards and Lyft rides (through March 2022), 3% back at restaurants and drugstores, 1.5% back on everything else
  • Other benefits: Complimentary three-month DoorDash membership, Shop through Chase, Chase Offers, various shopping and travel protections, Chase Credit Journey

Dining: Capital One Savor Cash Rewards Credit Card

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Capital One Savor Cash Rewards Credit Card
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  • Min. credit levelGood
  • Annual Fee$95
  • Purchase APR15.99% - 24.99% Variable

The information related to Capital One Savor Cash Rewards Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Key Features

  • Concierge: World Elite Mastercard
  • Annual fee: $95
  • Introductory bonus: $300 cash bonus for spending $3,000 in the first 3 months
  • Rewards: 8% cash back at Vivid Seats, 4% back on dining, entertainment, and streaming services, 3% back at grocery stores, 1% back on everything else
  • Other benefits: World Elite Hotels & Resorts Portfolio, World Elite travel services, various shopping and travel protections, Capital One CreditWise

Retail: Amazon Prime Rewards Visa Signature Card

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Amazon Prime Rewards Visa Signature Card
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  • Min. credit levelFair
  • Annual Fee$0
  • Purchase APR14.24% to 22.24% Variable

Key Features

  • Concierge: Visa Signature
  • Annual fee: $0
  • Introductory bonus: $100 Amazon.com Gift Card instantly upon approval
  • Rewards: 5% cash back at Amazon.com and Whole Foods Market; 2% back at gas stations, restaurants and drugstores; 1% back on everything else
  • Other benefits: Luxury Hotel Collection, various shopping and travel protections

Other Credit Cards With Concierge Service

There are lots of credit cards that may provide concierge service. The below list doesn’t include all of your options, but it does cover most big-name picks.

Keep in mind, at the time of publication, it appears that all credit cards issued at World Mastercard, World Elite Mastercard, Visa Signature, and Visa Infinite tiers include concierge benefits. If your card is issued at a lower tier, it’s unlikely to provide a concierge benefit.

American Express

Bank of America

Capital One

Chase

Citi

Luxury Card

U.S. Bank

Wells Fargo

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For rates and fees of The Platinum Card® from American Express, please click here.

For rates and fees of The Business Platinum Card® from American Express, please click here.

Written by

Sean Messier

Sean Messier works to empower individuals with the knowledge required to use credit cards responsibly and to their advantage. His writing- and research-based background has granted him experience in an array of topics, from finance to business and beyond. Sean distills the knowledge accumulated over years of experience in the credit space into consistent, actionable articles, guides, and reviews.

The information related to Citi Prestige® Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

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