Canadians in the market for a new credit card are often looking for cash back and rewards cards that allow them to earn points with every purchase made. That way, they can redeem their points for free merchandise once enough points are collected. But there’s another perk that is often overlooked when it comes to credit cards: visa infinite concierge services.
While not all credit cards offer these types of services, those that do, can make booking travel and snagging in-demand tickets easier.
Let’s take a look at some of the best credit cards with concierge services in Canada.
What Concierge Services Are Included With A Credit Card?
A credit card concierge service is similar to the type of service you’d receive at a hotel or similar venue. These services are designed to assist you in making reservations for entertainment or dining, booking tickets for events, and even purchasing gifts and other merchandise. With a simple phone call, you can have all your concierge needs taken care of without charge. Fees for such services are built into the annual fee charged for the credit card.
While certain needs are simple — such as making reservations at a restaurant — others are more complex. This is why credit card concierge services are useful. For instance, booking accommodations in another country or making changes to travel plans can be complicated. But these hassles can be eliminated with the help of a concierge service offered with many credit card products.
These services are typically offered around the clock, so you call at any time of the day or night, any day of the week.
Here are some ways to use your credit card concierge services:
- Planning travel
- Finding culinary experiences
- Booking dining reservations
- Booking event tickets
- Shopping for gifts
- Personal tasks
Best Credit Cards With Concierge Services
| Annual Fee | Concierge Services Included | |
| BMO eclipse Visa Infinite Privilege* Card | $499 | – Assistance with bookings and event planning – Get recommendations – 24/7 access |
| American Express The Platinum Card® | $699 | – Assistance with making dining reservations – Booking tickets for an event – Help to find the perfect gift – 24/7 access |
| TD® Aeroplan® Visa Infinite* Card | $139 | – Assistance with Booking restaurant reservations – Ordering flowers – Reserving event tickets – Buying gifts – Finding virtual activities |
| Scotia Momentum® Visa Infinite* | $120 | – Assistance with planning and booking a trip – Make restaurant reservations or buy event tickets – 24/7 access |
| Scotiabank Gold American Express® Card | $120 | – 24/7 access – Personalized assistance with booking trips, purchasing tickets and making reservations. |
BMO eclipse Visa Infinite Privilege* Card
The BMO eclipse Visa Infinite Privilege* Card comes with access to the Visa Infinite Privilege Concierge. With this, cardholders can call 24 hours a day to receive help with a wide variety of things, including:
- Booking restaurant reservations
- Vacation planning
- Ordering flowers
- Reserving event tickets
- Buying gifts
- Event planning
- Recommendations
BMO eclipse Visa Infinite Privilege Card Features
Annual fee: $499
Purchase rate: 20.99%
Cash advance rate: 23.99% (21.99% for Quebec residents)
Earn rate:
- Earn 5 points for every dollar you spend on eligible dining, gas, travel, groceries, and pharmacy purchases.
- Earn 1 point on all other purchases.
Extra perks:
- Receive a yearly $200 lifestyle credit.
- Visa Airport Companion membership and 6 free lounge visits per year.
- Priority Security Lane and valet service discounts at various Canadian airports.
- Visa Infinite Luxury Hotel Collection access with perks like complimentary breakfast.
- Visa Infinite Dining Series for unique dining experiences.
- Visa Infinite Wine Country for exclusive wine events.
- Troon Rewards Golf benefits, including discounts at multiple resorts and golf courses across the globe.
- Travel and medical insurance.
Eligibility: To be eligible for this card, applicants must have a minimum income of $150,000 or $200,000 as a household.
American Express The Platinum Card®
The Platinum Card® does not have any income requirements. Canadians can qualify for the card if they meet the credit and age requirements. While The Platinum Card® is expensive, it offers complimentary concierge services.
With Platinum Concierge you’ll get 24/7 personalized assistance with:
- Making dining reservations
- Booking tickets for an event
- Finding the perfect gift
American Express The Platinum Card® Features
Annual fee: $699
Purchase rate: 30% (charge card)
Earn rate:
- 3 points for every dollar spent on dining expenditures in Canada.
- 2 points for every dollar you spend on eligible travel, no matter where you’re headed.
- All other purchases, you’ll earn 1 point per dollar spent.
Welcome Offer: New cardholders can earn up to 140,000 Membership Rewards points. This includes 100,000 points after spending $10,000 within the first 3 months, plus another 40,000 points when you make a purchase on your card between 14 and 17 months of becoming a cardholder. This offer ends January 28, 2025.
Extra perks:
- You’ll receive a $200 annual travel credit that you can use towards single travel bookings of $200 or more when you use your Platinum Card.
- American Express Invites for access to unique events customized to your tastes, including dining, entertainment, and fashion events.
- Global Dining Collection access to enjoy the top culinary experiences in the world.
- Fine Hotels & Resorts for perks like late check-out and free breakfast.
- Hotel Status Benefit to reach higher tiers of top hotel loyalty programs faster.
- Pearson Priority Security Lane access during peak operating times at Toronto Pearson Airport.
- Complimentary valet service and discounts on airport parking.
- Complimentary access to more than 1,200 airport lounges across the world.
Eligibility: No income requirements.
TD® Aeroplan® Visa Infinite* Card
The TD® Aeroplan® Visa Infinite* Card comes with complimentary access to the Visa Infinite Concierge. Cardholders can call 24 hours a day, seven days a week to receive help with any request, including:
- Booking restaurant reservations
- Vacation planning
- Ordering flowers
- Reserving event tickets
- Buying gifts
- Event planning
- Recommendations
TD® Aeroplan® Visa Infinite* Card Features
Annual fee: $139
Purchase rate: 20.99%
Cash advance rate: 20.99%
Earn rate:
- Earn 1.5 Aeroplan points for every $1 spent on groceries, gas, and Air Canada or Air Canada Vacations purchases.
- 1 point for every $1 spent on all other purchases.
- Earn points twice when you make a purchase with your card and show your Aeroplan member number to participating partners.
Extra perks:
- Every Air Canada flight and seat will be available when you redeem your Aeroplan points without any restrictions on blackout dates.
- Use your Aeroplan points towards hotel accommodations, car rentals, merchandise, gift certificates, and other expenditures.
- Access a variety of travel insurance products, including travel medical insurance, trip cancellation insurance, and baggage loss/delay insurance.
- Receive an application fee rebate (up to $100 CAD) when you enroll for a NEXUS (once every 48 months).
- Discounts at participation Avis and Budget car rental locations.
Eligibility: Minimum personal annual income of $60,000 or $100,000 for a household.
Scotia Momentum® Visa Infinite* Card
Visa Infinite Concierge Service helps you plan your trip, book restaurant reservations, or buy event tickets. They’re available any time of day, making them extremely convenient. These services are completely free as they’re included in your credit card annual fee. You can reach Scotia Visa Infinite Concierge at 1-888-853-4458 to make a request.
Scotia Momentum® Visa Infinite* Card Features
Annual fee: $120
Purchase rate: 20.99%
Cash advance rate: 22.99%
Earn rate:
- 4% cash back on groceries, subscriptions, and recurring bill payments.
- 2% cash back on transit and gas purchases.
- 1% cash back on all other purchases.
Extra perks:
- Visa Infinite Hotel Collection – ensure you secure the lowest rates available, receive an automatic room upgrade when available, and get access to free Wi-Fi in your hotel room.
- Visa Infinite Dining and Wine Country program – access exclusive dining and wine experiences.
- The Scotia Momentum® Visa Infinite* Card also comes with a variety of travel insurance offerings to keep you covered while abroad.
Eligibility: To be eligible, you need an individual income of at least $60,000 or a household income of $100,000. If you have $250,000 or more of assets under management, you may qualify.
Scotiabank Gold American Express® Card
The Scotiabank Gold American Express® Card is the perfect credit card to carry for those who love to travel and appreciate the help of concierge services. With Scotiabank’s complimentary concierge services, you’ll get:
- 24/7 access
- Personalized assistance with booking trips, purchasing tickets and making reservations.
Scotiabank Gold American Express® Card Features
Annual fee: $120
Purchase rate: 20.99%
Cash advance rate: 22.99%
Earn rate:
- Earn 6 SCENE+ points for every $1 spent at eligible grocers such as Sobeys, FreshCo and Rachelle Béry.
- Earn 5 SCENE+ points at other eligible grocers, restaurants, food delivery and subscriptions.
- Earn 5 SCENE+ points on entertainment purchases including movies and ticket agencies.
- Earn 3 SCENE+ points for every $1 spent on gas, transit, and streaming services.
- All other purchases will earn you 1 SCENE+ point.
Extra perks:
- Amex Front Of the Line gives you first crack at high-demand tickets to events, theatre productions, and restaurant bookings before becoming available to the general public.
- American Express Invites to enjoy special offers and crafted just for you, including getaway travel packages, advance screenings of films, and online deals.
- Scotia Rewards Travel Service can be used much like your very own travel agency to book and redeem any flight.
- Airport lounge access.
- Preferred discount on a Priority Pass membership, access to over 1,200 airports.
- You won’t have to worry about those pesky foreign transaction fees on foreign currency purchases, either. Only the exchange rate is applicable.
Eligibility: To be eligible for this card, you’ll need a minimum income of $12,000 and a credit file.
Tips When Using A Credit Card Concierge Service
Using a credit card concierge service may sound intuitive, but there are a few things you can do to get the best results from your assistant.
Be Specific With Your Request
When requesting assistance from a credit card concierge service, make sure you’re as specific as possible about exactly what you’re looking for and your price range. If you leave out these important details, your concierge may give you options that are way out of your budget.
Do Your Own Booking For Simple Needs
Sometimes your needs are simple enough that you can do it yourself. It may be more time-consuming to go through a concierge service for certain things, such as booking a restaurant reservation at a local eatery, as opposed to making the reservations on your own.
Looking for the best credit card options?
Final Thoughts
There are several credit cards available that come with direct assistance to help you book travel, event tickets, restaurant reservations, or buy gifts. But before you settle on one, be sure to look at the annual fee, interest rate, and any other perks that the card may come with to maximize the benefits and keep costs within your budget.
