Cash Back

Finding a credit card with concierge service


You don’t often hear about concierge services and other benefits, but they are common among reward cards

The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs.

QuestionDear Cashing In,
Can you please point me to a list of all credit cards that offer concierge services? — Rich

AnswerDear Rich,
A lot of people with rewards cards probably don’t realize that they might be carrying a card that offers concierge services.

Credit cards offer a couple different kinds of rewards. There are the rewards offered by the issuing bank and perhaps its co-branded partner. These are the ones you probably hear the most about, and the ones that tend to come to mind when we think about reward cards — perks such as frequent flier miles and cash back.

In addition to those, however, many cards have a long list of other features. You can consider them to be rewards, or at least perks, but you don’t hear about them quite as much. These are often contracted out by the issuing back to other companies to administer. Here, I’m thinking of features such as car rental insurance, trip insurance, extra warranty protections and, yes, concierge services.

You don’t hear about those card benefits as much because they don’t figure prominently in people’s decisions to apply for cards. For instance, in a January 2015 scientific survey by, when 756 investors were asked to name their favorite credit card reward, only two named concierge services.

Still, these kinds of services can be useful. Rich, if you’re interested in concierge services, you might start by examining the cards you already have to see if they offer it. All cards that are Visa Signature and World Elite MasterCard offer concierge services. In addition, some banks include concierge services on their higher-end cards, such as the American Express Platinum and Centurion (Black) cards and the Citi Diamond Preferred, ThankYou Preferred and Prestige cards.

In 2014, I conducted my own tryout and compared the credit card concierge services — and came away impressed by their responsiveness. Often, the services they provided were no better than what I could have done on my own. I doubt that they have any special expertise or have connections with maitre d’s at fancy restaurants to land you hard-to-get dinner reservations, for instance. But they certainly took less time than I would have, which is the point of such services, right?

If you want concierge service and don’t have a card that offers it, I’m not sure that any particular card’s concierge is better than any other. If that’s the main service you’re interested in from a reward card, then at least find one with no annual fee, such as the Citi Diamond Preferred MasterCard. If you’re interested in other rewards, too, then you have plenty of options from other cards, including some of the best-known cards from major banks such as American Express, Chase, Capital One, US Bank and Barclaycard.

I don’t know of any consolidated list of cards with concierge services, but if you start examining reward cards, those services are more common than you might think.

See related:11 hidden credit card perks


Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

What’s up next?

In Cash Back

What’s the best reward card for a single big purchase?

Want to maximize rewards returns on an upcoming big purchase? Several cards offer 2 percent cash back, but sign-up bonuses on travel cards are even more lucrative

See more stories
Credit Card Rate Report Updated: September 16th, 2020
Cash Back

Questions or comments?

Contact us

Editorial corrections policies

Learn more

Join the Discussion

We encourage an active and insightful conversation among our users. Please help us keep our community civil and respectful. For your safety, do not disclose confidential or personal information such as bank account numbers or social security numbers. Anything you post may be disclosed, published, transmitted or reused.

The editorial content on is not sponsored by any bank or credit card issuer. The journalists in the editorial department are separate from the company’s business operations. The comments posted below are not provided, reviewed or approved by any company mentioned in our editorial content. Additionally, any companies mentioned in the content do not assume responsibility to ensure that all posts and/or questions are answered.