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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.
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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.
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.
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:
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.
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.
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:
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?
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.
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.
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.
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.
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.
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:
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 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:
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.
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.
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.
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.
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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.
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