Transferable points currencies should be a huge factor when determining the best card for you. Other benefits include Global Entry or TSA Precheck credit of up to $100 every four years. 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. All this with a first-year annual fee rebate! Offers. Does refinancing lower your house payment? It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. An Avion credit card lets you earn RBC points wherever you shop and has a more flexible redemption schedule than other frequent flyer programs. This card is geared for clients who like to fly American Airlines. 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. 6x points on hotels participating in the Marriott Bonvoy program, 3x points on dining at U.S. restaurant and flights booked directly with the airline, 2x points on each dollar spent on other eligible purchases, 50,000 point welcome bonus when you spend $4,500 in the first 90 days, 5x points on prepaid hotels and car rentals booked directly through the Altitude Rewards Center, 3x points on all other travel purchases, 60,000 Membership Rewards Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months, 4x on dining at restaurants, US grocery stores (up to $25,000 in purchases annually), 3X on flights booked directly with the airline or with Amex travel, and 1x points on other eligible purchases, 60,000 points if you make $4,000 in purchases during the first three months, 3x points at restaurants, gas stations, air travel and hotels, and supermarkets, 1x points on all other purchases, 75,000 miles when you spend $4,000 on purchases within the first 3 months of opening the account, equal to $750 in travel, unlimited 2x miles on every purchase, every day, $99 annual fee, waived for the first 12 months, 50,000 American Airlines points if you spend $2,500 in the first three months, 2X AAdvantage miles on purchases at gas stations, restaurants, and eligible American Airlines purchase, 1X on all other purchases, Up to $100 Global Entry credit every four years and/or $85 TSA Precheck entry credit every 4.5 years, 10x points on eligible purchases at restaurants worldwide and when you Shop Small in the U.S. on up to $25,000 in combined purchases in the first six months, $200 hotel credit on prepaid Fine Hotels + Resorts or The Hotel Collection bookings, requires a minimum two-night stay, Up to $300 back per calendar year on Equinox+ digital fitness app or eligible Equinox club memberships when you pay with your card, Up to $200 in Uber Cash: $15 per month on rides or UberEats, and a $20 bonus in December (U.S. rides only), Up to $100 in annual statement credits for purchases Saks Fifth Avenue or saks.com when you use your Amex Platinum card, $240 Digital Entertainment Credit ($20 per month) when you pay for select digital memberships, 6x points on hotels participating in the Marriott Bonvoy program, 3x points on dining at U.S. restaurants, including takeout and delivery, 3x points on flights booked directly with the airline, 2x points on each dollar spent on other eligible purchases, 4x points on dining at restaurants, including takeout and delivery, 4x points at grocery stores in the U.S., for up to $25,000 in purchases each year, 3x points on flights booked directly with the airline or with Amex travel. In short, it wont do much good to have a credit card if its not accepted at the retailers you plan to visit. Although they were incorrect that I could use my $15 monthly Uber Cash credit on Uber rides internationally, the breadth of information about transportation options was more than satisfactory. For more information on our advertisers, see here. Specific benefits for American Express vary by card, but some common benefits offered include things like: Hot Tip: It is important to reference the benefits for your specific card to get a full picture of all of the benefits your card provides. For a Visa Infinite credit card, in order to qualify, you need an income of at least $60,000 personal or $100,000 household. Almost all Canadian credit cards impose a hefty 2.5% foreign transaction fee on purchases made in currencies other than the Canadian dollar. 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. Having reliable, timely support is essential for uninterrupted business operations. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The most recent comparative post was: AMEX vs. CIBC vs. TD Aeroplan Platinum/Privilege Cards. Score: 4.9/5 ( 46 votes ) The Visa Platinum is the second tier of the four Visa credit card types. And the card gives you reimbursement of up to $100 every four years for your TSA precheck or Global Entry fees. 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. You might be able to qualify for some with a score in the very high 500s. Lets start by recapping what benefits the Platinum Card by American Express has to offer as well as what it will cost you. How do credit cards make money if you don't pay interest? Visa Platinum card is the choice of consumers who want more from their cards. He is also diversifying his investment portfolio by adding a little bit of real estate. Here are the primary benefits at each level. Most Visa Platinum cards require a credit score in the 600s. Testing requirements for travelers (including minors). 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. Greece has recently reopened to travelers. Examples of other companies that use the American Express payment network include Bank of America, BBVA Compass, Citigroup, U.S. Bank, USAA, and Wells Fargo. Unlock over $1,000 in value per year for statement credits on select purchases, including tech, recruiting and wireless with the Business Platinum Card. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. We know that choosing a credit card based on the credit card issuer and the features of the specific card is probably a bigger consideration than choosing based on the credit card processing network. Racking up points that you can use for your next hotel stay or flight will surely be more valuable than points or miles that you will never use. 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. U.S. Bank Altitude Reserve Visa Infinite Card. However, the biggest budget items like groceries, gas and travel (hotels, etc) are at 1.5 points for the TD Aeroplan Visa Infinite Privilege* Credit Card. You can use 25,000 points for a flight worth up to $350 or 50,000 points for a flight worth up to $900. I may be compensated through 3rd party advertisers but our reviews, comparisons, and articles are based on objective measures and analysis. Many of the Visa Infinite perks offer higher levels of protection compared to the Visa Signature version of the benefits. Check here before booking an award fare. In contrast, many cards offered by Visa and Mastercard only require a fair credit rating of 630. As an Amazon Associate, I earn from qualifying purchases. The Mastercard Black card has an annual fee of $495. I called the Chase, Amex and Citi concierges roughly three weeks before my departure and asked them for help with five relatively simple questions: While I ended up getting a lot of useful information for my trip, each of the three responses had some serious pluses and minuses. There are a host of benefits geared toward taking your stay at Marriott properties to the next level. Thats significantly lower than the Amex Platinum offer, though the spending requirement to earn the bonus is also lower. Platinum Card Concierge also included contact information for tourist offices in case of an emergency. At face value, there appears to be no difference between the types of services offered. Theres no traditional welcome bonus offered with this card. To find out, I've compared the two credit card giants using five criteria. But which network your card is backed by Visa, Mastercard, or American Express has implications for where and how you can use it. All credit bureaus in India offer a credit score between 300-900, 900 being the highest. Youll also get up to $100 reimbursement on your Global Entry or TSA Precheck purchase when you use your Capital One Venture Rewards card. Get cash when you need it. appeared in the New York Times, Baltimore Sun, Entrepreneur, and Marketplace Money, 80,000 Membership Rewards points after you spend $6,000 in purchases within your first six months, 5X points flights booked directly with the airlines and hotels booked with Amex Travel, 1X on everything else, 60,000 Ultimate Rewards points after you spend $4,000 in purchases within the first three months. As of this writing, theres also a $10 per month in credits at participating restaurants when you pay with the Gold Card. Upgraded Points, LLC uses reasonable efforts to maintain accurate information on the site and prior to applying for any credit card offers found on UpgradedPoints.com, all visitors should review other features of such credit cards including but not limited to interest rates, annual fees and transaction fees, and should determine the suitability of such credit cards considering their own individual financial position. For example, if youre hoping to use your points to get a flight on AerLingus, youd want to go with a card that can get you Amex Membership Rewards or Chase Ultimate Rewards. Verdict: Once the $200 travel credit is taken into account, the Platinum Cards price point is more favourable. If you have a specific card in mind, you will not have a choice as to which network your card will be in. 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. 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. Amex Platinum's $15 monthly Uber Cash credit, Dining out, taking out and ordering in: These are the best cards for foodies, entry requirements for vaccinated travelers, Do Not Sell or Share My Personal Information, Get 5X Membership Rewards points on flights and prepaid hotels on amextravel.com, Earn 1.5X points 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. The U.S. Bank Altitude Reserve Card offers several great travel benefits and a lower annual fee. To put it simply, the more merchants that accept your card, the better the cards network. The main difference between American Express and Visa is that American Express is both a card issuer and a payment network. Get 5X Membership Rewards points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases. Best Wallet Hacks 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. Personally, I'll continue to ask Amex for its massive city guides before any future trips as a way to supplement my own research, and I'll be asking Citi to handle COVID-19 logistics. At face value, there appears to be no difference between the types of services offered. 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. If you have lost your Visa card, we can help block your account, send a replacement card and provide emergency cash. You must call UBS or contact your UBS Financial Advisor to apply for the card. 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