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How Does LendingTree Get Paid?
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How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

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LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products.

Best Credit Cards with Premium Concierge Services of 2022

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

If you travel on a regular basis, a credit card that offers complimentary concierge services to help arrange your trips can save you a lot of headaches. In addition to planning travel, credit card concierge services can also assist in making dining reservations, shopping for gifts, sending flowers and much more.

Just know, credit cards that offer concierge services are typically premium-level cards with hefty annual fees. However, if you take advantage of the card’s elite benefits, you can easily justify paying the higher annual fee.

We explain what you need to know about credit card concierge services, including which credit cards offer them and what services are provided.

What is a concierge service?

A concierge essentially acts as a personal assistant to help you make travel arrangements, book restaurant reservations, purchase tickets to entertainment events and more. There are a variety of concierge services available, including:

  • Travel concierge services can help you plan itineraries, select accommodations and book other arrangements for business and leisure travel.
  • A hotel concierge can arrange transportation, make dining reservations, suggest itineraries and more during your stay at the hotel.
  • A medical concierge can assist you if there’s a medical crisis, including managing hospital admissions, doctor appointments, filing insurance claims and final bills.
  • Lifestyle concierge services can help you with everyday responsibilities, such as running errands, managing your household and more.
  • A shopping concierge, also known as a personal shopper, can offer assistance with your shopping needs, including sourcing difficult-to-find items, finding bargains, optimizing your wardrobe and more.

Some credit card issuers offer free, 24/7 concierge services as a benefit of your credit card.  While issuers do not charge cardholders to use their concierge services, be aware that you will be responsible for any purchases, fees or shipping charges authorized by you to be charged to your account.

Also, hard-to-get tickets and reservations are not guaranteed, and the concierge service is not responsible for notifying a restaurant of any food allergies when suggesting or making reservations at restaurants.

Which credit card issuers offer concierge services?

Several issuers offer premium concierge services for their luxury cards, including:

American Express concierge services

American Express provides premium card members with complimentary concierge services 24 hours a day, seven days a week, to assist cardholders with purchasing gifts, making dinner reservations, arranging pet care, planning travel, getting tickets to concerts and sporting events and much more.

The following American Express credit cards offer concierge service:

To access the concierge service, call the number on the back of your card and say “Concierge” when prompted.

The Platinum Card® from American Express and The Business Platinum Card® from American Express cardholders can also send concierge requests to [email protected] from the email associated with your American Express account.

| Disclosures
The Business Platinum Card® from American Express
The Business Platinum Card® from American Express
on American Express's secure site
Terms Apply
N/A
14.99% - 22.99% Variable
$695
5X Membership Rewards® points on flights and prepaid hotels on amextravel.com. Get
  • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
  • Plus, 0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.99% to 22.99% based on your credit worthiness and other factors as determined at the time of account opening.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
  • 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.
  • Unlock over $1,000 in value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies, up to $360 with Indeed, up to $150 with Adobe and up to $120 on wireless telephone purchases. Enrollment required.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline.
  • $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
  • $695 Annual Fee.
  • Terms Apply.
680 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Along with concierge service, The Platinum Card® from American Express and the American Express® Gold Card offer a wide range of valuable benefits.

The Platinum Card® from American Express offers:

      • A $200 airline fee credit (you must enroll and select one qualifying airline)
      • Access to the Global Lounge Collection
      • A Global Entry or TSA Precheck application fee credit
      • Special perks through the Fine Hotels & Resorts program
      • Marriott Bonvoy Gold Elite Status (enrollment required)
      • Hilton Honors Gold status (enrollment required)
      • Car rental privileges (enrollment required)
      • Terms apply

      | Disclosures
      The Platinum Card® from American Express
      The Platinum Card® from American Express
      on American Express's secure site
      Terms Apply
      N/A
      See Pay Over Time APR
      $695
      5X Membership Rewards® points on flights booked directly with airlines or with
      • Earn 100,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
      • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
      • Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®. And if you fly, you can receive up to $200 in statement credits per calendar year after you select a qualifying airline and incidental fees are charged by the airline to your Platinum Card®.
      • $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card® on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Enrollment required.
      • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax. Plus Ups are excluded.
      • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. There are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
      • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
      • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
      • $300 Equinox Credit: Get up to $25 back each month on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card®. Enrollment required.
      • $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership. CLEAR® is available at select airports and stadiums.
      • $695 annual fee.
      • Terms Apply.
      720 850

      How Does LendingTree Get Paid?

      LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

      American Express® Gold Card offers:

      • Up to a $120 dining credit (enrollment required)
      • Up to a $100 hotel credit
      • Personalized travel service
      • Access to presale tickets through American Express Experiences, American Express preferred seating and more.
      • Terms apply

      These benefits come with sizable annual fees of $695 for The Platinum Card® from American Express, $695 for The Business Platinum Card® from American Express and $250 for the American Express® Gold Card.

      | Disclosures
      American Express® Gold Card
      American Express® Gold Card
      on American Express's secure site
      Terms Apply
      N/A
      See Pay Over Time APR
      $250
      Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in
      • Rose Gold is here to stay. Card Members can choose between a Gold or Rose Gold Card.
      • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
      • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® Points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
      • Earn 3X Membership Rewards® Points on flights booked directly with airlines or on amextravel.com.
      • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
      • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
      • No Foreign Transaction Fees.
      • Annual Fee is $250.
      • Terms Apply.
      720 850

      How Does LendingTree Get Paid?

      LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

      To see rates & fees for The Platinum Card® from American Express please click here.
      To see rates & fees for The Business Platinum Card® from American Express please click here.
      To see rates & fees for American Express® Gold Card please click here.

      Citi concierge

      Citi® Concierge provides experts to assist with travel, shopping, dining, entertainment and everyday needs 24 hours a day, seven days a week. If you have an eligible Citi credit card, you can access the concierge service by calling 800-508-8930 or emailing [email protected].

      The following Citi credit cards offer concierge service:

| Disclosures
Citi Premier® Card
Citi Premier® Card
on Citibank's secure site
N/A
16.74% - 24.74% (Variable)
$95
Earn 3X points per $1 spent at restaurants, supermarkets, gas stations, air
  • Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 60,000 Points are redeemable for $600 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
660 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Visa Signature concierge

With Visa Signature concierge, cardholders receive assistance with travel planning, dining reservations, entertainment tickets and personal assistance. Just know, hard-to-get reservations and tickets are subject to availability.

Visa Signature cardholders can access the concierge service around the clock by calling 800-953-7392 in the U.S., or by calling 630-350-4551 collect outside of the U.S.

While standard requests are typically completed within 24 to 48 hours, special research or complex travel requests may require more time, which will be communicated to the cardholder via phone or email.

Note, the following requests are not handled by the concierge service: credit card account and billing inquiries, card activations, insurance benefit related calls, lost or stolen card reporting, emergency assistance and rewards inquiries.

Visa Signature credit cards include:

| Disclosures
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
on Chase's secure site
N/A
16.24% - 23.24% Variable
$95
5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
750 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


| Disclosures
Ink Business Cash® Credit Card
Ink Business Cash® Credit Card
on Chase's secure site
0% Intro APR on Purchases for 12 months
13.49% - 19.49% Variable
$0
Earn 5% cash back on the first $25,000 spent in combined purchases
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • 0% introductory APR for 12 months on purchases
750 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


| Disclosures
Ink Business Preferred℠ Credit Card
Ink Business Preferred℠ Credit Card
on Chase's secure site
N/A
16.24% - 21.24% Variable
$95
Earn 3 points per $1 on the first $150,000 spent in combined
  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account
750 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


| Disclosures
Ink Business Unlimited® Credit Card
Ink Business Unlimited® Credit Card
on Chase's secure site
0% Intro APR on Purchases for 12 months
13.49% - 19.49% Variable
$0
Earn unlimited 1.5% cash back on every purchase made for your business
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • 0% introductory APR for 12 months on purchases
680 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


| Disclosures
Southwest® Rapid Rewards® Performance Business Credit Card
Southwest® Rapid Rewards® Performance Business Credit Card
on Chase's secure site
N/A
16.24% - 23.24% Variable
$199
Earn 4 points per $1 spent on Southwest® purchases. Earn 3 points
  • Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.
  • 9,000 bonus points after your Cardmember anniversary.
  • Earn 4X points on Southwest® purchases.
  • Earn 3X points on Rapid Rewards® hotel and car partners.
  • Earn 2X points on rideshare.
  • Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
  • 4 Upgraded Boardings per year when available.
  • Global Entry or TSA PreCheck® Fee Credit.
750 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


| Disclosures
Southwest® Rapid Rewards® Premier Business Credit Card
Southwest® Rapid Rewards® Premier Business Credit Card
on Chase's secure site
N/A
16.24% - 23.24% Variable
$99
Earn 3 points per $1 spent on Southwest® purchases. Earn 2 points
  • Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
  • 6,000 bonus points after your Cardmember anniversary.
  • Earn 3X points on Southwest Airlines® purchases.
  • Earn 2X points on Rapid Rewards® hotel and car partners.
  • Earn 2X points on rideshare.
  • 1 point per $1 spent on all other purchases.
  • 2 EarlyBird Check-In® each year.
  • Earn unlimited tier qualifying points towards A-List status.
750 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

  • Along with concierge service, Visa Signature cardholders may have access the following benefits:
    • Rental car discounts
    • Special guest status at Visa Signature luxury hotel properties
    • Lost luggage reimbursement
    • Global Entry statement credit
    • Trip delay reimbursement
    • Trip cancellation and trip interruption reimbursement
    • Rebates for airline incidental fees
    • Travel accident insurance
    • Lounge access
    • Baggage delay reimbursement
    • Roadside assistance and more.

    Just know, the issuer ultimately determines which Visa Signature benefits are passed down to each credit card. For example, while the Chase Sapphire Preferred® Card comes with trip cancellation and trip interruption reimbursement, baggage delay insurance and more, it does not offer a Global Entry application fee credit.

    Visa Infinite concierge

    Similar to Visa Signature concierge, Visa Infinite concierge can assist cardholders with requests such as dinner reservations, tickets to Broadway and music and sporting events.

    To contact Visa Infinite Concierge, call 877-660-0905 in the U.S., or call collect at 312-800-4290 if traveling abroad.

    Visa Infinite credit cards include:

    | Disclosures
    Chase Sapphire Reserve®
    Chase Sapphire Reserve®
    on Chase's secure site
    N/A
    17.24% - 24.24% Variable
    $550
    5x points on flights and 10x points on hotels and car rentals
    • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
    • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
    • Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
    • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 50,000 points are worth $750 toward travel
    • With Pay Yourself BackSM, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
    • 1:1 point transfer to leading airline and hotel loyalty programs
    • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
    750 850

    How Does LendingTree Get Paid?

    LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

    Visa Infinite benefits also include:

    • Special offers through the Visa Infinite Luxury Hotel Collection
    • Global Entry statement credit
    • Visa Infinite car rental privileges
    • Priority Pass lounge access
    • Airline incidentals statement credit
    • Auto rental collision damage waiver
    • Extended warranty protection
    • Roadside Dispatch®
    • Purchase security
    • Travel and emergency assistance services
    • Return protection
    • Lost luggage reimbursement
    • Trip delay reimbursement, trip cancellation and trip interruption reimbursement and emergency cash disbursement.

    World Elite concierge

    World Elite Mastercards offer a complimentary 24/7 concierge service, which acts as a personal assistant to help you plan vacations, book dinner reservations and find last-minute gifts, for example.

    To contact the concierge, call the number on the back of your World Elite Mastercard, or log in here.

    Cardholders also have access to Mastercard Airport Concierge™, which can arrange for a personal, dedicated agent to escort you through the airport for departure, arrival or any connecting flights 24 hours a day at more than 700 destinations worldwide.

    Additionally, cardholders can utilize a professional travel advisor to help plan trips by calling 855-802-1387 or visiting Mastercard® Travel & Lifestyle Services.

    The following card offers World Elite concierge:

    • HSBC Premier World Elite Mastercard® credit card

    Additional World Elite benefits include:

    • A lowest hotel rate guarantee
    • Complimentary room upgrades and other hotel perks with the Mastercard luxury hotel and resorts portfolio
    • Access to experiences through Priceless Cities
    • Complimentary ShopRunner membership
    • Lyft discounts and Boxed rewards
    • Identity theft protection, cell phone protection, global emergency services and more

    Note, while the Citi Premier® Card, Citi® / AAdvantage® Platinum Select® World Elite Mastercard®, Citi® / AAdvantage® Executive World Elite Mastercard®, Citi Prestige® Credit Card are all World Elite Mastercards, they do not offer access to World Elite concierge services. Instead, the cards provide Citi Concierge services.

    Is a credit card with premium concierge service right for you?

    Credit cards that offer premium concierge services also typically come with a variety of valuable travel and shopping benefits, including hotel credits, airline fee credits, extended warranties and more. If you plan to take advantage of these benefits, they can help offset the pricey annual fees that also come with these cards.

    The information related to Citi Prestige® Credit Card, HSBC Premier World Elite Mastercard® credit card, and UBS Visa Infinite Credit Card have been independently collected by LendingTree and have not been reviewed or provided by the issuers of these cards before publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.