By Eric RosenHow to Use Your Credit Card’s Concierge Service
By Eric Rosen
You're likely already familiar with some of the great benefits credit cards offer, from cash rewards to increased fraud protection. But some credit cards add a personal touch to their benefits in the form of concierge service. If you carry one of these cards, you basically have an army of personal assistants at your disposal day and night.
Credit card concierge services can take care of the details for you by reserving tables at popular restaurants, securing tickets to sold-out events, advising you on travel plans or even helping with personal shopping. To use a credit card's concierge service, first make sure your card extends such a benefit, and then call your issuer to see what types of help they can offer. Here's what you need to know about making the most of your credit card's concierge service.
Best rewards cards of 2026
Compare cards from our partners that earn points, cash back or miles on everyday spending.
Offers from our partners
Citi Double Cash® Card
Intro APR:0% for 18 months on Balance Transfers
Ongoing APR:17.49% - 27.49% (Variable)
Rewards:2% (cash back)
Annual Fee:$0
Blue Cash Everyday® Card from American Express
Intro bonus:You may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.
Intro APR:0% on Purchases and Balance Transfers for 15 months
Ongoing APR:19.49%-28.49% Variable
Rewards:1% - 3% (cash back)
Annual Fee:$0
Discover it® Chrome
Intro bonus:INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards.
Intro APR:0% intro APR for 6 Months on Purchases and 0% intro APR for 18 Months on Balance Transfers
Ongoing APR:17.49% - 26.49% Variable APR
Rewards:1% - 2% (cash back)
Annual Fee:$0
The opensky® Secured Visa® Credit Card
Ongoing APR:23.89% Variable
Rewards:10% (cash back)
Annual Fee:$35
Credit One Bank American Express® Card for Rebuilding Credit
Ongoing APR:29.74% Variable
Rewards:1% (cash back)
Annual Fee:$75 First year. $99 thereafter, billed monthly at $8.25
Blue Cash Preferred® Card from American Express
Intro bonus:You may be eligible for as high as $300 cash back after spending $3,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.
Intro APR:0% on Purchases and Balance Transfers for 12 months
Ongoing APR:19.49%-28.49% Variable
Rewards:1% - 6% (cash back)
Annual Fee:$0 intro annual fee for the first year, then $95.
American Airlines AAdvantage® MileUp® Card
Intro APR:0% for 15 months on Balance Transfers
Ongoing APR:19.49% - 29.49% (Variable)
Rewards:2x (Miles per dollar)
Annual Fee:$0
Citi Strata Premier® Card
Intro bonus:Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
Ongoing APR:19.49% - 27.49% (Variable)
Rewards:1x - 10x (Points per dollar)
Annual Fee:$95
Costco Anywhere Visa® Card by Citi
Ongoing APR:18.74% - 26.74% (Variable)
Rewards:1% - 5% (cash back)
Annual Fee:$0
American Express® Gold Card
Intro bonus:You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Ongoing APR:See Pay Over Time APR
Rewards:1x - 4x (Points per dollar)
Annual Fee:$325
First Latitude Secured Mastercard ® Cash Back Rewards
Ongoing APR:27.49% Variable
Rewards:1% - 10% (cash back)
Annual Fee:$0
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
Ongoing APR:19.49% - 29.49% (Variable)
Rewards:2x (Miles per dollar)
Annual Fee:$99, waived for first 12 months
Avant® Cashback Rewards Mastercard®
Ongoing APR:35.99%*
Rewards:1% (cash back)
Annual Fee:$75*
Citi® / AAdvantage® Globe™ Mastercard®
Ongoing APR:19.49% - 29.49% (Variable)
Rewards:1x - 6x (Miles per dollar)
Annual Fee:$350
Avant® Cashback Rewards Mastercard®
Ongoing APR:35.99%*
Rewards:1% (cash back)
Annual Fee:Introductory fee of $75 for the first year. After that, $99 annually.*
Avant® Cashback Rewards Mastercard®
Ongoing APR:35.99%*
Rewards:1% (cash back)
Annual Fee:$39*
Credit One Bank® Platinum X5 Visa® Metal Card
Ongoing APR:29.74% Variable
Rewards:1% - 5% (cash back)
Annual Fee:$95
First Progress Prestige Secured Mastercard® Cash Back Rewards
Ongoing APR:13.49% Variable
Rewards:1% - 10% (cash back)
Annual Fee:$49
First Progress Select Secured Mastercard® Cash Back Rewards
Ongoing APR:17.49% Variable
Rewards:1% - 10% (cash back)
Annual Fee:$39
Credit One Bank® Premier American Express® Credit Card
Ongoing APR:29.74% Variable
Rewards:1% (cash back)
Annual Fee:$39
Marriott Bonvoy Brilliant® American Express® Card
Intro bonus:Earn 200,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership. Offer Ends 5/13/2026.
Ongoing APR:19.49%-28.49% Variable
Rewards:2x - 6x (Points per dollar)
Annual Fee:$650
Discover it® Miles
Intro bonus:UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match. You could turn 35,000 Miles into 70,000 Miles.
Intro APR:0% intro APR for 15 months on Purchases and Balance Transfers
Ongoing APR:17.49% - 26.49% Variable APR
Rewards:1.5x (Miles per dollar)
Annual Fee:$0
Delta SkyMiles® Gold American Express Card
Intro bonus:Earn 70,000 Bonus Miles after you spend $3,000 in purchases with your new Card, and an additional 20,000 bonus miles after you make an additional $2,000 in purchases on the Card, both within your first 6 months. Ends 04/01/2026.
Ongoing APR:19.49%-28.49% Variable
Rewards:1x - 2x (Miles per dollar)
Annual Fee:$0 introductory annual fee for the first year, then $150.
Credit One Bank® Premier American Express® Unlimited Rewards Card
Ongoing APR:29.74% Variable
Rewards:1% (cash back)
Annual Fee:$0
Hilton Honors American Express Surpass® Card
Intro bonus:Earn 130,000 Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership. Offer Ends 4/15/2026.
Ongoing APR:19.49%-28.49% Variable
Rewards:3x - 12x (Points per dollar)
Annual Fee:$150
Delta SkyMiles® Blue American Express Card
Intro bonus:Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.
Ongoing APR:19.49%-28.49% Variable
Rewards:1x - 2x (Miles per dollar)
Annual Fee:$0
One Key™ Card
Intro bonus:Limited Time Offer: Earn $300 in OneKeyCash™ after you spend $1,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia®, Hotels.com® and Vrbo®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Ongoing APR:18.49%, 23.49%, or 28.49% Variable APR
Rewards:1.5x - 3x (Points per dollar)
Annual Fee:$0
One Key+™ Card
Intro bonus:Earn $350 in OneKeyCash™ after you spend $3,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia®, Hotels.com® and Vrbo®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Ongoing APR:18.49%, 23.49%, or 28.49% Variable APR
Rewards:2x - 3x (Points per dollar)
Annual Fee:$99
Avant® Cashback Rewards Mastercard® - With A Higher Credit Limit
Ongoing APR:35.99%*
Rewards:1% (cash back)
Annual Fee:$125*
Avant® Cashback Rewards Mastercard®
Ongoing APR:35.99%*
Rewards:1% (cash back)
Annual Fee:$0*
See all our best rewards credit cards for 2026.
What Is a Credit Card Concierge?
Credit card concierges are customer service representatives who can step in to handle cardholders' day-to-day needs and demands. While they may not be able to do anything you can't do for yourself, they can still save you a lot of time by taking some busy work off your hands.
Credit card concierges are on call to take care of things a personal assistant would, like helping you book flights, finding that perfect gift for a professional engagement or tracking down items you might have lost while traveling.
Most concierge services are provided by specific families of cards within larger networks, such as Visa Signature or Visa Infinite products or certain World Mastercard and World Elite Mastercard products. Some are provided directly by credit card issuers, such as American Express or Citi.
If your card features concierge service, you should receive information about it with the initial benefits package when you apply. However, you can always just ring up customer service and ask what services are available with your specific cards. The concierge service itself is free (or included in your credit card's annual fee), but you still have to pay for anything you purchase through them.
How to Get the Most out of Your Card's Concierge Service
Credit card concierge services available through your card issuer, payment network or bank can be accessible via phone, email, a specific webpage or an app. You can ask your credit card concierge to do any number of tasks, including ones you might not have thought of. Here are the main types of requests they cover:
- Travel plans: Credit card concierges are usually able to search for and reserve flights, hotels, other types of transit and even book activities and excursions. They're basically like a travel agent in your back pocket.
- Restaurant reservations: Heading to a new city and don't know where to eat? Your credit card concierge can pull up recommendations and make reservations for you. They might even be able to score a table at an eatery that appears booked up to the general public.
- Event tickets: Some credit card issuers have deals with agencies that sell tickets to major events like concerts and sporting events, so they may be able to get you preferred seating or spots in an arena that is otherwise sold out.
- Personal shopping: They won't send a personal assistant to follow you around a department store—but if you need to locate a hard-to-find item for yourself, or a gift for someone else, your credit card concierge can do the legwork tracking it down. What's more, they can probably arrange to purchase it and have it shipped or delivered wherever you like.
- Lost and found: Ever left something behind in a hotel room? Your credit card concierge can contact the property for you and make sure they look high and low for your lost item and then return it to you.
- Search for services: Need to find a store selling Danish antiques? Looking for the best pet spa in your area? Your credit card concierge can comb through listings for you and find the best-rated businesses in your area.
- What they can't do: Credit card concierges are veritable superstars, but don't ask them for services like booking medical assistance, tracking down classified information or running errands in person.
Should You Get a Credit Card With a Concierge?
Having a personal assistant at your fingertips sounds great, but the credit cards that include this type of benefit tend to be ultra-premium and carry high annual fees. Before opening one of them, think about whether you'll derive enough value from its other benefits to justify paying for it. Not only that, these cards also usually require you to have a good credit score, so make sure your score is good enough to qualify. Before applying for a new credit card, check your credit score for free.
Calling on a credit card concierge can be a tremendous benefit when you need help either at home or on the road and don't have time to do your own research or make your own bookings. If your card includes such a benefit, call your issuer to ask what kinds of services they provide and then take them out for a test drive the next time you have a request they may be able to assist with. For personalized credit card suggestions, including those with concierge services, try Experian's card comparison tool.
Get the rewards you deserve
Cash back? Miles? Points? Whatever suits your goals, we can help match you to personalized rewards card offers. Start with your FICO® Score for free.
See your offers
About the author
Eric Rosen
Eric Rosen covers credit cards, loyalty programs, the aviation industry and hotels. In addition to Experian, Eric contributes to Bloomberg, Forbes, Business Insider, Travel + Leisure and Condé Nast Traveler on a variety of topics ranging from frequent-flier miles and business-class amenities to rain forest spas and reef-safe sunscreens.
Read more from Eric