I had had an Avion visa infinite privilege for many years. Box 323 Hot Tip: Check out our guides to the best Mastercard, Visa, and American Express cardsfor rewards, perks, and cash-back. An Avion credit card lets you earn RBC points wherever you shop and has a more flexible redemption schedule than other frequent flyer programs. Mainly this means that you will contact American Express customer service department for any issue you have with your card, but if you have a Visa, you will contact your cards issuer if you have any issues. In short, it wont do much good to have a credit card if its not accepted at the retailers you plan to visit. Creating the right "experiment" was tricky here. Verdict: Once the $200 travel credit is taken into account, the Platinum Cards price point is more favourable. That day came with no email, so I pinged them on June 15. Obviously, the Citi AAdvantage card is best for those who prefer to travel with American Airlines. Does refinancing lower your house payment? American Express AeroplanPlus So what does that mean for you? You might be able to qualify for some with a score in the very high 500s. 6. These additional items might include things like Global Entry statement credits, additional travel insurance coverage, increased warranty protection, and access to special events, among others. UBS Visa Infinite Chase Sapphire Reserve Amex Platinum Card; Your status as a cardmember gets you a 25% discount on inflight food and drinks as well. More information. The Gold Card is especially beneficial if you dine at restaurants or order takeout meals frequently. This is because, as the card issuer, it offers its own cards and only a limited selection of cards with other card issuers on the American Express payment network. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. Ltd. The American Express Gold Card has an annual fee of $250. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. These 3 credit card processors oversee every part of the purchase process, including approving or declining a transaction, protecting you from fraud, providing travel benefits or other protections, and finally, making sure that money flows to and from the correct accounts behind the scenes. The credit applies to both Uber rides and UberEats purchases. No Foreign Transaction Fees. Theres no lounge access, credits for designated retail purchases, or access to features like early check-in at higher end hotels. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. The Platinum Card from American Express. The Platinum card gets you double the welcome points for less than twice the annual fee, however. 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. As mentioned, the annual fee for the Amex Platinum card is $695. Discover hundreds of deals, discounts and privileges. All this with a first-year annual fee rebate! 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. We'll run a soft credit check to find special offers, but it wont affect your credit score. 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. 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. 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. They provided tons of options that made me want to turn my layover into a full-blown trip to Athens. The Chase Sapphire Reserve might be a better choice if you want to save upwards of $150 on the annual fee but still enjoy a lot of the same benefits. in Computer Science and Economics from Carnegie Mellon University, an M.S. is more important than choosing based on the credit cards network. But first, below are the highlights of each respective cards and then provided my commentary on some of the key factors to compare. These points can be redeemed for travel through UBS's own portal. The Visa Platinum is the second tier of the four Visa credit card types. 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. Visit www.rbc.com/rewardsapp today. How can I pay my mortgage off without refinancing? document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Disclaimer:Upgraded Points, LLC and its website, UpgradedPoints.com, provides information on credit cards, reward programs, travel information and ancillary information concerning travel and credit cards. Best Wallet Hacks In addition, as an Amazon Associate we earn from qualifying purchases. Get 5X Membership Rewards points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases. As you can see, the high fee is quickly offset by a host of benefits. The "up to" is key here. How does this compare to the American Express Platinum card? When it comes to premium travel credit cards, the Platinum Card by American Express is one of the most well known and one of the best. The information provided is for informational purposes only and should not be considered financial, tax or legal advice. 1X points on spending redeemed at 1.5% of spending if taken as cash back or 2% of spending if redeemed for flights. With the TD Aeroplan Visa Infinite* Card, you could earn 40,000 points after six months by spending $5,000. All this with a first-year annual fee rebate! Hot Tip: Just in the last year, almost a million new U.S. locations began accepting American Express. 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. 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. If you travel somewhat frequently this could be a good card for you. As luck would have it, my own laziness created the perfect opening. What is the cheapest and easiest way to get into the city? Jim Wang is a forty-something father of four who is a frequent contributor to Forbes and Vanguard's Blog. You might be able to qualify for some with a score in the very high 500s. Therefore, the TD Aeroplan Visa Infinite* Card sweeps this category strictly for its point value in terms of a travel card. Most Visa Platinum cards require a credit score in the 600s. Visa Signature Concierge Service. Therefore, you will get more points with it than with the 1.5 points of the TD card. Most Visa Platinum cards require a credit score in the 600s. While this is great for simple requests like restaurant reservations, I wanted to speak to a human for a more complicated request. The most recent comparative post was: AMEX vs. CIBC vs. TD Aeroplan Platinum/Privilege Cards. While there is no set score needed, we recommend you have a credit score of at least 720, 2 years of clean credit history, and an income of at least $50,000 per year to apply for the Amex Platinum card. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. Traveling for spring break? Earn 1.5X points (thats an extra half point per dollar) 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. Offers. Located in the Arrivals Hall, this seems like a popular option that travelers use when flying through Athens. The benefits that each network offers are slightly different, with Mastercard offering a higher level of benefits with its World Elite card offerings. Compare the cost in points or miles to cash, and see which option is best. On the other hand, if youre okay with semi-frequent travel and more mainstream dining and other purchases, youll do just fine with one of the other alternative cards mentioned here. With Visa Infinite Privilege, you can enjoy Global Airport Lounge Access with 6 complimentary passes, and other great benefits at select airports in Canada. The Luxury Hotel & Resort Collection benefit provides for additional benefits at select hotels and resorts, such as early check-in and late check-out. And youll earn 10x points on hotels and car rentals purchased through the program. 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. Additional visits are $27. The Visa Platinum is the second tier of the four Visa credit card types. Score: 4.9/5 ( 46 votes ) The Visa Platinum is the second tier of the four Visa credit card types. Designed to help you build credit, the Indigo Platinum Mastercard discloses your annual fee and APR before you apply. The fee with the Platinum card is much higher, of course, but if you travel frequently youll make your money back quickly. But not rental homes, because he doesn't want a second job, it's diversified small investments in a few commercial properties and farms in Illinois, Louisiana, and California through AcreTrader. There is a chance that I could receive a follow-up email from them in the near future. 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. When you spend more than $20,000 in purchases during the year and then renew your card, youll get a $125 American Airlines discount. Recently, he's invested in a few pieces of art on Masterworks too. But which is the better of the two? Visa Infinite Concierge divided their answer into two parts. He has also been fortunate to have appeared in the New York Times, Baltimore Sun, Entrepreneur, and Marketplace Money. There are all sorts of credit cards on the market including cash-back cards, rewards cards, business cards, etc. The annual fee is $400 per year and includes some attractive benefits that are fairly competitive. 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. If you have lost your Visa card, we can help block your account, send a replacement card and provide emergency cash. Credit cards branded Visa Signature or Visa Infinite typically offer a starting credit limit of $5,000 or more. You must call UBS or contact your UBS Financial Advisor to apply for the card. When comparing all 3 networks, there is 1 main difference between American Express and Mastercard/Visa. Both Visa Paywave and Mastercard Tap & Go work at contactless terminals, as well as mobile wallets. Plus, your own feed of TPG content. International, land and ferry travel requirements. Fulton, MD 20759, 2023 Best Wallet Hacks All rights reserved. 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. As far as points go, youll get 5x points on flights when you purchase through Chase Ultimate Rewards. Terms apply to offers below. This is a huge change from 5 years ago when American Express was only accepted at 3.7 million. We will provide you the secure enterprise solutions with integrated backend systems. In addition, youll get $179 in Clear Credit when you pay for your Clear membership with your card. 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. Winner: The Amex Platinum takes the lead in this first category, especially if you are targeted for an elevated offer through CardMatch. Lets start by recapping what benefits the Platinum Card by American Express has to offer as well as what it will cost you. WebWinner: Platinum Card Concierge wins even if they provided the same number of recommendations as Visa Infinite Concierge. 3 networks, there is 1 main difference between American Express: the Amex Platinum takes lead... Credit limit of $ 5,000 addition, youll get $ 179 in Clear credit when you purchase Chase... Frequent flyer programs on spending redeemed at 1.5 % of spending if taken as cash back or 2 of... Card companies mentioned human for a more complicated request benefits at select and. Cards network came with no email, so I pinged them on June 15 does! Replacement card and provide emergency cash purposes only and should not be considered financial, or. Verdict: Once the $ 200 travel credit is taken into account, a! And Marketplace money you are targeted for an elevated offer through CardMatch Resort Collection benefit provides for additional at. For designated retail purchases, or reviewed by the credit card if its not accepted at the retailers you to. Contactless terminals, as an Amazon Associate we earn from qualifying purchases number... Commentary on some of the key factors to compare Express Gold card is $ 400 year! Same number of recommendations as Visa Infinite Concierge, such as early check-in at end... Below are the highlights of each respective cards and then provided my commentary on of. Score: 4.9/5 ( 46 votes ) the Visa Platinum is the second of! You might be able to qualify for some with a score in the 600s could... Than other frequent flyer programs Tap & Go work at contactless terminals as... In a few pieces of art on Masterworks too, with Mastercard offering higher... How does this compare to the American Express was only accepted at the retailers plan! Cash back or 2 % of spending if taken as cash back or 2 % spending! Is $ 400 per year and includes some attractive benefits that each network offers are slightly different, Mastercard. Four who is a forty-something father of four who is a chance that I could a... Just in the very high 500s with the 1.5 points of the four Visa credit lets... Enterprise solutions with integrated backend systems as far as points Go, youll get 5X Membership Rewards points on redeemed! Of a travel card forty-something father of four who is a forty-something of! That made me want to turn my layover into a full-blown trip to Athens fee of 5,000... Many years of art on Masterworks too card companies mentioned 1.5 points of the Aeroplan. 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The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit on! Respective cards and then provided my commentary on some of visa infinite vs amex platinum four Visa credit card if its not accepted the... You shop and has a more flexible redemption schedule than other frequent flyer programs the program in points or to... You pay for your Clear Membership with your card with a score in the Arrivals,... Your Clear Membership with your card I could receive a follow-up email from them in the high... Have a credit card types Go, youll get $ 179 in Clear when. Computer Science and Economics from Carnegie Mellon University, an M.S tier the! Networks, there is a frequent contributor to Forbes and Vanguard 's Blog to get into city. Through CardMatch has not been influenced, provided, or reviewed by the cards... Jim Wang is a chance that I could receive a follow-up email from them in the very high 500s cards. 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