When it comes to luxury travel and lifestyle, having a credit card with concierge services can make all the difference.
These services give cardholders access to a dedicated team of experts who can assist with everything from booking travel and restaurant reservations to securing tickets for sold-out events.
In this article, we will look at some of the best credit cards on the market that offer concierge services, highlighting their features and benefits.
Best for Luxury Travel: American Express Platinum Card® (review)
Best for Travel Insurance: Chase Sapphire Reserve® (review)
Best for Beginner Travelers: Chase Sapphire Preferred® Card (review)
1. American Express Platinum Card®
Best for Luxury Travel
American Express Platinum Card® (review) offers the most comprehensive airport lounge network available, giving you access to premium Centurion Lounges plus thousands of other lounges worldwide. You can easily offset the card’s large annual fee through generous credits for Uber, hotels, digital entertainment, Resy dining, and lifestyle brands like lululemon.
Earning Points: 5x on flights booked directly with airlines or through American Express Travel®, on up to $500,000 on these purchases per calendar year; 5x points on on prepaid hotels booked on AmexTravel.com; 1x points on all other purchases.
Card Benefits:
- Airport Lounge Access to Eligible Cardmembers: American Express Centurion Lounges, Delta Sky Club (when flying Delta and limited to 10 annual visits unless you spend $75,000 in a calendar year), Priority Pass with unlimited visits, Escape Lounges, Plaza Premium Lounges, and select Lufthansa Lounges (when flying a Lufthansa Group airline).
- Statement Credits: You can enjoy monthly and annual statement credits (enrollment required for most benefits; terms and conditions apply) for a wide range of services and merchants, including airline fees, Uber Cash, hotel bookings, digital entertainment, Walmart+, Saks Fifth Avenue purchases, CLEAR® Plus membership, Equinox fitness club membership, and SoulCycle At-Home Bike purchases.
- Elite Status: Marriott Bonvoy Gold, Hilton Honors Gold, Hertz President’s Circle, National Car Rental Emerald Club Executive, and Avis Preferred Plus.
- Travel Benefits: Trip delay insurance, trip cancellation insurance, secondary rental car insurance, and baggage insurance plan.
- Purchase Benefits: Extended warranty, purchase protection, return protection, and cell phone protection.
Transfer Partners: Aer Lingus, AeroMexico, Air Canada Aeroplan, ANA, Avianca LifeMiles, British Airways, Cathay Pacific, Choice Privileges, Delta, Emirates, Etihad, Air France – KLM Flying Blue, Hawaiian Airlines, Hilton, Iberia, JetBlue, Marriott, Qantas, Qatar Airways, Singapore KrisFlyer, and Virgin Atlantic.
2. The Business Platinum Card® from American Express
Best for Business Travelers
The Business Platinum Card® from American Express (review) delivers premium travel benefits including extensive lounge access (access is limited to eligible card members) and valuable hotel elite status. This premium business card excels at making travel more luxurious, though you’ll need to use multiple statement credits and travel perks to maximize its value.
Welcome Bonus: bonus_miles_full
Earn Rewards: 5x points for flights, prepaid hotels booked at AmexTravel.com; 2x points per dollar for purchases up to $2 million in spending per calendar year in these categories: purchases of $5,000 or more regardless of category, U.S. cloud service and software providers, U.S. construction materials and hardware suppliers, U.S. electronics retailers, and U.S. shipping providers; and 1x points on all other eligible purchases.
Card Benefits:
- Statement Credits: You’ll earn numerous statement credits including $250 for Adobe purchases after spending $600, up to $200 for airline incidentals, up to $209 for Clear Plus membership, up to $1,150 for Dell purchases ($150 in credits plus $1,000 after spending $5,000), Global Entry or TSA PreCheck credit, up to $200 for Hilton purchases ($50 quarterly with required Hilton for Business membership), up to $600 for Fine Hotels & Resorts and Hotel Collection bookings ($300 biannually with minimum two-night stays required for Hotel Collection), up to $360 for Indeed hiring services ($90 quarterly), and up to $120 for wireless telephone services ($10 monthly from any U.S. provider).
- Airport Lounge Access: American Express Centurion Lounges, Delta Sky Club when flying Delta (limited to 10 annual visits unless you spend $75,000 in a calendar year), Priority Pass, Escape Lounges, and Select Lufthansa Lounge when flying Lufthansa Group airlines. (Access is limited to eligible Card Members)
- Elite Status: Marriott Gold, Hilton Gold, Hertz’s President’s Circle, National Emerald Club Executive, and Avis Preferred Plus.
- Other Benefits: No preset spending limit, baggage insurance plan, trip cancellation and delay insurance, secondary rental car insurance, no foreign transaction fees, extended warranty, return protection, purchase protection, and cell phone protection.
Transfer Partners: Aer Lingus, AeroMexico, Air Canada Aeroplan, ANA, Avianca LifeMiles, British Airways, Cathay Pacific, Choice Privileges, Delta, Emirates, Etihad, Air France – KLM Flying Blue, Hawaiian Airlines, Hilton, Iberia, JetBlue, Marriott, Qantas, Qatar Airways, Singapore KrisFlyer, and Virgin Atlantic.
3. Chase Sapphire Reserve®
Best for Travel Insurance
The Chase Sapphire Reserve® (review) offers premium travel benefits including lounge access, hotel elite status, and multiple statement credits that can offset its $795 annual fee. With bonus earnings on travel and dining purchases plus the ability to transfer points to 14 airline and hotel partners, this card delivers strong value for frequent travelers who can maximize its benefits.
Welcome Bonus: bonus_miles_full
Earning Rewards: 10x points on Hotels (excluding The Edit) and car rentals and 5x points on flights through Chase Travel after the first $300 is spent on travel purchases annually; 10x points on Chase Dining purchases with Ultimate Rewards; 3x points on dining at restaurants, including eligible delivery services, takeout, and dining out; 3x points on other travel after the first $300 is spent on travel purchases annually; 1x points on other eligible spending.
Card Benefits: $300 annual travel credit, Priority Pass airport lounge membership with unlimited visits, Global Entry or TSA PreCheck® or NEXUS application fee credit of up to $120 every four years, no foreign transaction fees, travel insurance (primary rental car, trip delay, trip cancellation, travel accident, lost luggage, and baggage delay), purchase protection, return protection, and extended warranty.
Transfer Partners: Aer Lingus, Air Canada Aeroplan, British Airways, Emirates, Air France KLM Flying Blue, Hyatt, IHG, Iberia, JetBlue, Marriott, Singapore KrisFlyer, Southwest, United, and Virgin Atlantic.
4. Delta SkyMiles® Reserve American Express Card
Best for Delta Companion Tickets
The Delta SkyMiles® Reserve American Express Card (review) offers premium perks for frequent Delta flyers, including airport lounge access and an annual companion certificate. While it comes with a high annual fee, frequent Delta flyers can find significant value through its array of travel benefits and ability to boost elite status qualification.
Welcome Bonus: bonus_miles_full
Earning SkyMiles: 3x SkyMiles on Delta Air Lines purchases; 1x SkyMiles on all other eligible purchases.
Card Benefits:
- Airport Lounges: Access to Delta Sky Clubs* when flying Delta and to American Express Centurion Lounges when you use your card to book your Delta flight.
- Delta Perks: Annual companion certificate at renewal, free first checked bag and priority boarding for you and up to eight travel companions, 15% award discount, 20% back on in-flight purchases, and $200 annual Delta Stays credit.
- Other Benefits: $240 Resy credit at U.S. Resy restaurants (up to $20 in statement credits per month; enrollment required), $120 Rideshare credit on U.S. rideshare purchases (up to $10 in statement credits per month; enrollment required); Hertz’s President’s Circle, Global Entry / TSA PreCheck credit, travel insurance (trip delay, trip cancellation, baggage insurance, and secondary rental car), extended warranty, return protection, and purchase protection.
* Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
5. United Club℠ Infinite Card
Best for United Frequent Flyers
The United Club℠ Infinite Card (review) stands out as United’s most premium personal credit card offering extensive United Club lounge access and elite-style benefits. The card provides excellent value for loyal United travelers through its lounge access, free checked bags, and bonus miles on United purchases.
Welcome Bonus: Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months; plus 5,000 bonus miles after you add an authorized user in the first 3 months.
Earning Miles: 4x miles on United Airlines purchases; 2x miles on all other travel purchases (hotels, rental cars, cruises, transit, rideshare, etc.) and dining (including eligible delivery services); 1x miles on all other purchases.
Card Benefits: United Club membership, free first and second checked bags for you and companion, Premier Access, Global Entry or TSA PreCheck® or NEXUS application fee credit of up to $120 every four years, 25% back on United inflight and Club premium drink purchases, IHG One Rewards Platinum Elite status, Avis President’s Club, No foreign transaction fees, travel insurance (trip delay, trip cancellation, baggage delay, lost luggage, and primary rental car), purchase protection, return protection, and extended warranty.
6. Chase Sapphire Preferred® Card
Best for Beginner Travelers
The Chase Sapphire Preferred® Card (review) is one of the most popular travel rewards cards because it offers nice welcome bonus and extra points on travel and dining, which can be transferred to airline and hotel partners or redeemed directly for travel at a rate of 1.25 cents per point through Chase Travel℠. The Sapphire Preferred also offers great travel and purchase protections for a card with a $95 annual fee.
Welcome Bonus: Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months.
Earning Rewards: 5x points on travel purchased through Chase Travel, 3x points on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2x points on all other travel purchases, and 1 point per dollar on all other purchases.
Card Benefits: Ability to transfer to airline and hotel partners, 25% bonus when redeeming points through Chase Travel, $50 annual hotel stay credit via Chase Travel, 10% anniversary points bonus, no foreign transaction fees, primary rental car insurance, trip delay insurance, trip cancellation insurance, baggage delay insurance, purchase protection, and extended warranty.
Transfer Partners: Aer Lingus, Air Canada Aeroplan, British Airways, Emirates, Air France KLM Flying Blue, Hyatt, IHG, Iberia, JetBlue, Marriott, Singapore KrisFlyer, Southwest, United, and Virgin Atlantic.
7. Citi Strata Premier® Card
Best for General Travel
- 75,000 bonus points after spending $4,000 in the first 3 months of account opening.
- 3x Points for Flights, Hotels, Gas Stations, EV Charging, Supermarkets, and Restaurants. hotels, gas stations, EV charging, supermarkets, and restaurants.
- $100 Annual Hotel Credit
- $95 Annual Fee
The Citi Strata Premier℠ Card stands out for its impressive 3x points earning on everyday purchases including restaurants, supermarkets, gas stations, and travel. While its redemption options might not match competitors like Chase or Amex, you’ll still get solid value through airline transfer partners and travel bookings.
Welcome Bonus: 75,000 bonus points after spending $4,000 in the first 3 months of account opening.
Earning Points: 10x points on hotels, car rentals, and attractions booked through the Citi Travel portal; 3x points on airfare, hotels, gas stations, EV charging, supermarkets, and restaurants.
Card Benefits: $100 annual hotel credit on bookings of $500+ through the Citi travel portal, no foreign transaction fees, trip delay insurance, trip cancellation and interruption insurance, lost luggage reimbursement, secondary rental car insurance, and Mastercard World Elite benefits.
For rates and fees of The Platinum Card® from American Express, please click here. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
For rates and fees of The Business Platinum Card® from American Express, please click here. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
For rates and fees of the Delta SkyMiles® Reserve American Express Card, please click here. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
