Updated
Fact Checked
Ashley Maready
When choosing a credit card, most people focus on the issuer perks. But many credit cards have perks beyond the rewards or sign-up bonuses. For example, Visa credit cards come with a range of useful benefits that can add a lot of value to your card. One oft-overlooked benefit available to many Visa cardholders is the Visa concierge.
Credit card concierges are like free personal assistants. They can help you with all kinds of things, saving you time and, sometimes, money. Many premium credit cards come with some kind of concierge service, including most of the best travel rewards credit cards.
Keep in mind credit card concierges are not customer service agents. Your Visa concierge can't help you with Visa card billing issues or dealing with card fraud. So, what can they do? Read on for more details.
Which credit cards have Visa concierge benefits?
You can find all types of credit cards with concierge service. Most Visa credit cards with Visa Infinite or Visa Signature logos will have access to their respective Visa concierge service.
You can see which type of Visa card you have by looking for the Visa logo in the lower right-hand corner of your card. The logo will read "Visa," "Visa Signature," or "Visa Infinite."
Although there are many Visa Infinite credit cards around the world, U.S. consumers only have access to a few select travel cards listed here:
As of May. 08, 2024
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| Chase Sapphire Reserve® |
U.S. Bank Altitude™ Reserve Visa Infinite® Card |
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Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
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Apply Now for Chase Sapphire Reserve®
On Chase's Secure Website. |
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Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
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Welcome Offer: Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠. 75,000 bonus points |
Welcome Offer: 50,000 points after spending $4,500 in the first 90 days of account opening 50,000 points |
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Rewards Program: Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ 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. 5x points on flights and 10x points on hotels and car rentals through Chase Travel℠. |
Rewards Program: 5x points on prepaid car rentals/hotels booked through Altitude Rewards Center, 3x points for eligible travel and mobile wallet spending, 1x points on other purchases 1x - 5x points |
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Intro APR: Purchases: N/A Balance Transfers: N/A |
Intro APR: Purchases: N/A Balance Transfers: N/A |
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Regular APR: 22.49%-29.49% Variable |
Regular APR: 22.24%-29.24%, variable |
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Annual Fee: N/A $550 |
Annual Fee: $400 |
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Highlights:
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Highlights:
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Apply Now for Chase Sapphire Reserve®
On Chase's Secure Website. |
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U.S. Bank Altitude™ Reserve Visa Infinite® Card is unavailable on The Ascent. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.
What does the Visa concierge do?
Visa concierge agents can perform a range of tasks to help you both at home and while traveling. Your Visa concierge can:
- Book reservations for restaurants and special dining experiences
- Book tickets for events or attractions, such as concerts and sporting events
- Help plan and arrange travel, including booking flights and hotel stays
- Help you find and rent supplies or equipment
- Help you access local services, such as translation or legal services
- Recommend, order, and arrange delivery of special gifts
- Recommend local attractions or other things to do while traveling
- Provide updates on local COVID-19 restrictions or requirements
These days, it's fairly easy to do many of these things yourself -- especially if you're good with a search engine. But a Visa concierge can also help you save time. Sure, you could spend several hours researching the best way to travel from Boston to New York. Or, you can ask the Visa concierge to offer recommendations. The concierge can even help you book your travel.
Moreover, concierges often have connections the typical consumer lacks. We've found countless anecdotes about how a credit card concierge was able to secure a reservation to an unbookable restaurant or sold-out show. Not bad for a perk that comes free with your credit cards.
RELATED: Best Credit Card Concierge Service
Visa Infinite Concierge vs. Visa Signature Concierge
Visa credit cards have three benefit tiers:
- Visa
- Visa Signature
- Visa Infinite
The standard Visa tier has the fewest benefits, while the Visa Infinite tier has the most benefits. Both the Visa Signature and Visa Infinite tiers offer concierge services as a benefit -- each with its own dedicated phone number.
When choosing a card, don't worry about the type of concierge service you'll get. While they have separate phone numbers, both Visa Signature and Visa Infinite concierges will offer the same services. You can make all the same requests, including booking dining and travel reservations.
However, Visa Infinite cardholders have access to perks that Visa Signature cards lack. This includes certain special events and experiences. As such, the Visa Infinite Concierge may offer more options for certain requests than their Visa Signature counterparts.
RELATED: Best Visa Credit Cards
How to use the Visa concierge
You can contact the Visa concierge by phone or by email. The number you call will depend on the type of Visa card you own.
To use the Visa Infinite Concierge service, you can call: 1-877-587-2700
To use the Visa Signature Concierge service, you can call: 1-800-953-7392
To access Visa concierge services online, you'll need to register through the Visa Digital Concierge website.
Once you're in touch with a concierge agent, you can make your request. You can ask broad questions -- "What are some great restaurants in London?" -- or get more specific: "What is the best place for fish and chips in London?" The more detail you provide in your request, the better the service you'll likely get.
How long does it take to get answers from the Visa concierge?
The amount of time it takes for the concierge to complete your request will depend on how complex it is. Simple requests can often be completed right away. For example, booking reservations at a restaurant.
According to Visa, most requests can be completed within 24 to 48 hours.
More complicated requests could take a few days or more. If you want help planning a 10-day trip across Europe, for instance, you could wait a while for a full response. The more research it takes -- or the more bookings the agent must make -- the longer it will take to complete your request.
Is the Visa concierge free to use?
There is no fee for using the Visa concierge. That said, you will have to pay for any purchases made on your behalf. For instance, if the concierge books you a flight or hotel room, the charges will be posted to your Visa credit card.
LEARN MORE: American Express vs. Visa
Visa Signature credit cards are far more common in the U.S., including many of our favorite rewards credit cards:
- Chase Sapphire Preferred® Card
- United℠ Explorer Card
- U.S. Bank Cash+® Visa Signature® Card
- Wells Fargo Active Cash® Card
- Bank of America® Customized Cash Rewards credit card
You can verify your Visa card has concierge access by checking your card's benefits page. Most issuers provide a list of card benefits through your online account or mobile app.
Credit card comparison
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
| Offer | Our Rating | Welcome Offer | Rewards Program | APR | Learn More |
|---|---|---|---|---|---|
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Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Discover will match all the cash back you've earned at the end of your first year. N/A | 1% - 5% Cashback Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically. |
Intro: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months Regular: 17.24% - 28.24% Variable APR |
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Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Up to $300 cash back Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases. | 1.5% - 5% cash back Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases |
Intro: 0% Intro APR on Purchases and Balance Transfers for 15 months Purchases: 0% Intro APR on Purchases, 15 months Balance Transfers: 0% Intro APR on Balance Transfers, 15 months Regular: 20.49% - 29.24% Variable |
Apply Now for Chase Freedom Unlimited®
On Chase's Secure Website. |
|
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
75,000 bonus points Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠. | 5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. |
Intro: N/A Purchases: N/A Balance Transfers: N/A Regular: 21.49%-28.49% Variable |
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
FAQs
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Visa concierge is essentially a personal assistant service for Visa Signature and Visa Infinite cardholders. A Visa concierge can help you with a range of requests, including:
- Booking restaurant reservations
- Obtaining tickets to a show or concert
- Planning and booking travel
- Ordering and delivering special gifts
- Finding local service providers
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You are likely eligible for Visa concierge services if you have a Visa credit card with either a Visa Signature or Visa Infinite logo. You can find the logo on the lower right-hand corner of your Visa card.
Some popular Visa Infinite cards include:- Chase Sapphire Reserve®
- United Club℠ Infinite Card
- U.S. Bank Altitude™ Reserve Visa Infinite® Card
Some popular Visa Signature cards include:
- Chase Sapphire Preferred® Card
- United℠ Explorer Card
- U.S. Bank Cash+® Visa Signature® Card
- Wells Fargo Active Cash® Card
- Bank of America® Customized Cash Rewards credit card
Our Credit Cards Experts
Brittney started her writing career in the world of science, putting her physics degree to good use. Her journey into finance started with building her personal credit, but soon grew into a borderline obsession with credit cards and travel rewards. For the last 7 years, she has enjoyed the ability to share her expertise with readers, as well as the opportunity to interview companies and individuals making an impact on our financial lives. She wholly believe most problems can be solved with the right research -- and a good spreadsheet -- and she specializes in translating complex financial topics into actionable advice to help educate and empower readers.
Fact Checked
Ashley Maready
Ashley Maready is a former history museum professional who made the leap to digital content writing and editing in 2021. She has a BA in History and Philosophy from Hood College and an MA in Applied History from Shippensburg University. Ashley loves creating content for the public and learning new things so she can teach others, whether it's information about salt mining, canal mules, or personal finance.
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We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent, a Motley Fool service, does not cover all offers on the market. The Ascent has a dedicated team of editors and analysts focused on personal finance, and they follow the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.
JPMorgan Chase is an advertising partner of The Ascent, a Motley Fool company. Wells Fargo is an advertising partner of The Ascent, a Motley Fool company. Bank of America is an advertising partner of The Ascent, a Motley Fool company. American Express is an advertising partner of The Ascent, a Motley Fool company. Brittney Myers has positions in American Express. The Motley Fool has positions in and recommends Bank of America, JPMorgan Chase, U.S. Bancorp, and Visa. The Motley Fool has a disclosure policy.