Updated
Fact Checked
Ashley Maready
Chase credit cards are well known for their great rewards. But many Chase cards also offer some valuable, if less tangible, benefits. One of the most overlooked of those perks is likely the Chase concierge service.
Credit card concierge agents are similar to the concierges in fancy hotels. They can help you book reservations at restaurants or events, locate hard-to-find items, or just answer general questions about the local area.
Credit card concierge services are most commonly offered by premium travel rewards cards. In most cases, it's a feature provided by the credit card network, rather than the issuer. For example, Chase's concierge is actually a service of its network, Visa, not Chase itself.
What does the Chase concierge include?
You may have access to one of two concierge services, based on the tier of your Chase Visa card. Chase credit cards that sport the Visa Infinite logo have access to the Visa Infinite Concierge. Chase cards with the Visa Signature logo can use the Visa Signature Concierge service.
As of Apr. 16, 2024
|
|
|
| Chase Sapphire Reserve® | Chase Sapphire Preferred® Card | Prime Visa |
|
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, 4.50 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 |
|
Apply Now for Chase Sapphire Reserve®
On Chase's Secure Website. |
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Apply Now for Prime Visa
On Chase's Secure Website. |
|
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) |
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) |
|
Welcome Offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠. 60,000 bonus points |
Welcome Offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠. 60,000 bonus points |
Welcome Offer: Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members Get a $100 Amazon Gift Card |
|
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: 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. 5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases |
Rewards Program: Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and unlimited 1% on all other purchases 1% - 5% back |
|
Intro APR: Purchases: N/A Balance Transfers: N/A |
Intro APR: N/A Purchases: N/A Balance Transfers: N/A |
Intro APR: Purchases: N/A Balance Transfers: N/A |
|
Regular APR: 22.49%-29.49% Variable |
Regular APR: 21.49%-28.49% Variable |
Regular APR: 19.49% - 27.49%, variable |
|
Annual Fee: N/A $550 |
Annual Fee: N/A $95 |
Annual Fee: $0 |
|
Highlights:
|
Highlights:
|
Highlights:
|
|
Apply Now for Chase Sapphire Reserve®
On Chase's Secure Website. |
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Apply Now for Prime Visa
On Chase's Secure Website. |
Show More
Show Less
|
||
Visa Signature Concierge services
The Visa Signature Concierge can help you with a wide range of requests. This can include -- but isn't limited to -- the following:
- Booking reservations for restaurants
- Booking tickets for special events, such as plays, concerts, or sporting events
- Helping arrange travel, including booking flights and hotel stays
- Helping you access local services, such as translation or legal services
- Helping you find and rent special equipment
- Recommending, ordering, and arranging delivery of special gifts
- Recommending local attractions or other activities while traveling
- Providing updates on local COVID-19 restrictions or requirements
Although you can do many of these things yourself, concierge services often have access regular folks lack. For example, we found many stories from cardholders who couldn't get reservations at a popular restaurant until their credit card concierge stepped in.
Keep in mind the concierge agent isn't an account services representative. The concierge can't help you with credit card billing issues, for instance. It also isn't where you'll report lost cards or freeze your credit card account.
Visa Infinite Concierge services
The Visa Infinite Concierge offers all of the same services as the Visa Signature Concierge. This includes making various reservations, arranging gifts, and finding local travel information.
However, Visa Infinite cardholders have access to a wider range of options and potential discounts than their Visa Signature counterparts. This may open more options when requesting a reservation at a popular restaurant or tickets for a particular event.
Additionally, Visa Infinite Concierge service may offer a quicker turnaround. There are far fewer Visa Infinite credit cards than there are Visa Signature cards. So, you may not be competing with quite as many other customers for the time and attention of an agent.
How does Chase concierge work?
The Chase concierge services are offered and operated by Visa, not Chase. As such, you'll need to contact Visa to access them. You can contact Visa by phone or by email. Concierge services are available 24/7 any time of year.
To use the Chase Visa Signature Concierge service, you can call: 1-800-953-7392
To use the Chase Visa Infinite Concierge service, you can call: 1-877-660-0905
To access Visa concierge services online, you'll need to register through the Visa Digital Concierge website.
Once you are in touch with an agent, simply ask your questions. Depending on the nature of your request, the agent may be able to assist you right away. For more complicated requests, the agent may have to follow up by phone or email.
There is no cost to use the concierge service itself. However, anything the concierge purchases on your behalf will be charged to your Chase credit card.
For example, if you use the concierge to purchase and deliver flowers to a friend, the cost of the flowers will be charged to your credit card. But there won't be any extra charges for using the concierge to make the purchase.
Which Chase credit cards have concierge services?
The Visa concierge services are available to most Chase credit cards with either a Visa Infinite or Visa Signature logo. The logo is usually found in the lower right-hand corner of your card. This will mean Chase travel cards for the most part, but other types of credit cards may also offer the benefit.
Chase Visa Infinite cards with concierge access include:
Chase Visa Signature credit cards with concierge service include:
- Chase Sapphire Preferred® Card
- United℠ Explorer Card
- United Quest℠ Card
- United Gateway℠ Card
- Marriott Bonvoy Boundless® Credit Card
- Marriott Bonvoy Bold® Credit Card
- The World of Hyatt Credit Card
- Prime Visa
Not sure if your Chase credit card offers concierge services? You can check out your card's benefits through your online Chase account. You can also see your card benefits in the Chase mobile app.
If your Chase card offers access to the Visa concierge services, it will be listed in the benefits section. If you don't see the service listed as a card benefit, then you do not have access to it.
Chase concierge vs. Amex concierge
There are a few notable differences between the Chase and Amex concierge services. For one thing, Amex operates its own concierge service. Chase cards get concierge services provided by Visa.
Both networks have similar concierge services in function -- you can use them to make reservations or book travel, for example. However, who can use the service varies greatly. Specifically, far more Chase cards offer the benefit than Amex cards.
While more than a dozen Chase credit cards offer concierge service access through Visa, Amex's concierge service is a perk of only a small number of premier cards, all of which have high annual fees.
Additionally, the uber-exclusive Amex Centurion Card (aka, the Black Card) has its own dedicated concierge service. Of course, you need an invitation to even apply for this card.
And that's it. If you have any other Amex card -- even the expensive American Express® Gold Card -- you're out of luck for concierge benefits.
This seems like a remarkable oversight on Amex's part. Sure, most of us aren't going to choose a credit card based solely on its concierge service. But it is, nonetheless, a valuable benefit that shouldn't be overlooked.
Related reads
FAQs
-
Yes, Visa concierge is free to use as long as your credit card is either a Visa Signature or a Visa Infinite card. Not all Visa cards offer concierge services.
-
You might want to call Chase concierge to complete tasks when you lack internet access or are otherwise occupied, such as while flying on a plane. You can use Chase concierge whenever you'd like, however.
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.
Cole Tretheway is a full-time personal finance writer whose articles have been featured on The Ascent and The Motley Fool. He has a degree in English with a Certificate in Professional and Technical Communication from California Polytechnic University, SLO.
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.
Share This Page
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 does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.
American Express is an advertising partner of The Ascent, a Motley Fool company. JPMorgan Chase is an advertising partner of The Ascent, a Motley Fool company. John Mackey, former CEO of Whole Foods Market, an Amazon subsidiary, is a member of The Motley Fool’s board of directors. Brittney Myers has positions in American Express. Cole Tretheway has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Amazon, JPMorgan Chase, Mastercard, Uber Technologies, and Visa. The Motley Fool recommends Flow, Hyatt Hotels, and Marriott International and recommends the following options: long January 2025 $370 calls on Mastercard and short January 2025 $380 calls on Mastercard. The Motley Fool has a disclosure policy.
For rates and fees for the American Express® Gold Card, click here