Canadians who are in the market to apply for a credit card may often look for cash back 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: 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.
A credit card concierge service is not unlike the type of services 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 being charged, as the fee for such services is 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, making these credit card concierge services useful. For instance, booking accommodations in another country or making changes to travel plans already made 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:
| Annual Fee | Interest Rate | Concierge Services | |
| BMO eclipse Visa Infinite Privilege Card | $499 | Purchase rate: 20.99% Cash advance rate: 23.99% | -Priority Pass membership -Priority Security Lane -Visa Infinite Luxury Hotel Collection Visa Infinite Privilege Concierge -Visa Infinite Dining Series -Visa Infinite Wine Country -Troon Rewards Golf |
| American Express Platinum Card | $699 | 30% (charge card) | -American Express Invites -Global Dining Collection-Platinum Concierge -Fine Hotels & Resorts -Hotel Status Benefit  -Pearson Priority Security Lane -Complimentary valet service and discounts on airport parking -Complimentary access to more than 1,200 airport lounges |
| TD Aeroplan Visa Infinite Card | $139 | Purchase rate: 19.99% Cash advance rate: 22.99% | -Assistance with Booking restaurant reservations -Ordering flowers -Reserving event tickets -Buying gifts -Finding virtual activities |
| Scotia Momentum Visa Infinite | $120 | Purchase rate: 20.99% Cash advance rate: 22.99% | -Visa Infinite Concierge Service -Visa Infinite Hotel Collection -Visa Infinite Dining and Wine Country program |
| Scotiabank Gold American Express Card | $120 | Purchase rate: 19.99% Cash advance rate: 22.99% | -Amex Front Of the Line -American Express Invites -Scotia Rewards Travel Service -Complimentary concierge services -Airport lounge access -Priority Pass membership |
The BMO eclipse Visa Infinite Privilege Card comes with a slew of concierge privileges, including the following:
In addition to these concierge perks, you’ll also earn 5 points for every dollar you spend on eligible dining, gas, travel, groceries, and pharmacy purchases. On all other purchases, you’ll earn 1 point per dollar spent. And when you first sign up, you can earn up to 50,000 points. Plus, there’s a $200 annual lifestyle credit up for grabs as a cardholder.
Annual fee: $499
Purchase rate: 20.99%
Cash advance rate: 23.99%
Welcome bonus: Earn up to 50,000 points
Rewards: Earn 5 points for every $1 spent on dining, gas, travel, groceries, and pharmacy purchases; 1 point for every $1 spent n all other purchases
Concierge services:
Learn how to earn Aeroplan points.
With the American Express Platinum Card, you’ll earn 3 points for every dollar spent on dining expenditures in Canada, and 2 points for every dollar you spend on eligible travel, no matter where you’re headed. For all other purchases, you’ll earn 1 point per dollar spent.
And as a new cardholder, you can earn up to 25,000 welcome bonus points when you spend $2,000 in purchases in the first 3 months of having your card. You’ll also receive a $200 annual travel credit that you can use towards single travel bookings of $200 or more when you use your Platinum Card.
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The card also comes with an array of concierge services, including the following:
Annual fee: $699
Interest rate: 30% (charge card)
Welcome bonus: Earn up to 25,000 bonus points
Rewards: Earn 3 points for every $1 spent on dining; 2 points for every $1 spent on travel; 1 point for every $1 spent elsewhere.
Concierge services:
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The TD Aeroplan Visa Infinite Card comes with a first-class concierge service, including assistance with the following:
When you book flights with Air Canada using your TD Aeroplan Visa Infinite Card, you won’t be met with any restrictions on flights and seats. Instead, every Air Canada flight and seat will be available when you redeem your Aeroplan points without any restrictions on blackout dates.
Plus, you can use your Aeroplan points towards hotel accommodations, car rentals, merchandise, gift certificates, and other expenditures.
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The TD Aeroplan Visa Infinite Card’s rewards system allows you to earn 1.5 Aeroplan points for every dollar you spend on eligible groceries, gas, and purchases made on AirCanada.com. On all other purchases, you’ll earn 1 Aeroplan point for every dollar spent.
The card also comes with a variety of travel insurance products, including travel medical insurance, trip cancellation insurance, and baggage loss/delay insurance.
Annual fee: $139
Purchase rate: 19.99%
Cash advance rate: 22.99%
Welcome bonus: Earn up to 30,000 Aeroplan points and a Buddy Pass
Rewards: Earn 1.5 Aeroplan points for every $1 spent on groceries, gas, and AirCanada.com purchases; 1 point for every $1 spent on all other purchases.
Concierge services:
Check out these credit cards with travel insurance.
One of the best cash back credit cards around is the Scotia Momentum Visa Infinite. With every purchase on eligible groceries, recurring bills, and subscriptions, you’ll earn 4% cash back. For transit and gas purchases, you’ll earn 2% cash back, and 1% cash back on all other purchases with no limits.
As an incentive to get you to sign up for the Scotia Momentum Visa Infinite, you’ll be offered the chance to earn up to 10% cash back on all purchases you make in the first 3 months for up to $2,000 in purchases. The annual fee will also be waived in the first year.
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As far as concierge perks go, the Scotia Momentum Visa Infinite offers the following:
The Scotia Momentum Visa Infinite also comes with a variety of travel insurance offerings to keep you covered while abroad.
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Annual fee: $120
Purchase rate: 20.99%
Cash advance rate: 22.99%
Welcome bonus: Earn up to 10% cash back on all purchases made within the first 3 months
Rewards: Earn 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.
Concierge services:
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, including the following:
You won’t have to worry about those pesky foreign transaction fees on foreign currency purchases, either. Only the exchange rate is applicable.
The Scotiabank Gold American Express Card also serves as a cash back card that allows you to earn when you spend. You’ll earn 5 points for every dollar spent on eligible groceries, restaurant purchases, and entertainment, and 3 points for every dollar spent on eligible gas, transit, and streaming services. For all other purchases, you’ll earn 1 point per dollar spent.
New cardholders can earn up to 25,000 bonus Scotia Rewards points with the first $1,000 spent in the first 3 months.
Annual fee: $120
Purchase rate: 19.99%
Cash advance rate: 22.99%
Welcome bonus: Earn up to 25,000 bonus points with the first $1,000 spent in the first 3 months
Rewards: Earn 5 points for every $1 spent on groceries, restaurant purchases, and entertainment; 3 points for every $1 spent on gas, transit, and streaming services; 1 point for every $1 spent on everything else.
Concierge services:
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.
Find out how cancelling a credit card can affect your credit.
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.
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There are several credit cards available that come with direct assistance to help you book travel, event tickets, restaurant reservations, or buying gifts. But before you settle on one, be sure to look at the annual fee, interest rate, and any other perk that the card may come with to maximize the benefits and keep costs within your budget.
Lisa has been working as a personal finance writer for more than a decade, creating unique content that helps to educate Canadian consumers in the realms of real estate, mortgages, investing and financial health. For years, she held her real estate license in Toronto, Ontario before giving it up to pursue writing within this realm and related niches. Lisa is very serious about smart money management and helping others do the same.
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