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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.
Eric McWhinnie has been writing and editing digital content since 2010. He specializes in personal finance and investing. He also holds a bachelor’s degree in Finance.
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One of the most talked-about credit card concierge services is offered by American Express. The Amex concierge is known to handle all kinds of requests, from the simple to the outlandish. (Terms apply.)
While the concierge alone may not be worth a high annual card fee, it's not something that should be discounted entirely. Keep reading to see what an Amex concierge can do.
What is the Amex concierge?
The Amex concierge is a bit like a personal assistant. They can help you save time by completing research or tasks on your behalf. (Terms apply.) This could include:
Making reservations: The Amex concierge can help you get reservations at a hard-to-book restaurant -- or just your favorite local joint. They can also help you get reservations at your favorite spa or book tee times at a golf club.
Buying tickets: You can have the Amex concierge find and purchase tickets for all kinds of events, from sporting events to concerts to Broadway. Your Amex concierge may even be able to score tickets to shows or events that may otherwise appear sold out.
Shopping and gifts: An Amex concierge can help you find the perfect gift -- and get it delivered. From flowers to fashion, an Amex concierge can probably have it sent to your front door.
Travel inquiries: Want to know more about an upcoming destination? Looking for things to do on your next trip? These kinds of queries can often be handled by your Amex concierge. This could include putting together a basic city guide, or doing research into your specific itinerary.
Anything travel-related beyond basic inquiries will likely be referred to Amex Travel. It's there you can plan and book travel, including buying airline tickets or booking hotel stays. And while your concierge may be able to help you book a car service or taxi, rental car requests will typically be sent to the Amex Travel team.
Which cards have access to the Amex concierge?
Many credit card companies that offer concierge service do it for a wide range of their credit cards. Any Visa Signature cardholder, for instance, can take advantage of the Visa Signature Concierge service.
But with Amex, concierge access is far more exclusive. In fact, you can only choose a credit card from a small handful of options if you want access to the Amex concierge. Three personal cards and one business card are included:
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, 3.50 out of 5 stars.
3.50/5
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, 4.50 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
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)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
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)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
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)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
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)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
Good/Excellent (670-850)
Welcome Offer:
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
80,000 Membership Rewards® Points
Welcome Offer:
Earn 60,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
60,000
Welcome Offer:
150,000 Hilton Honors points by spending $6,000 in the first six months of card opening
150,000 Hilton Honors points
Welcome Offer:
Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
120,000 Membership Rewards® points
Rewards Program:
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel. Earn 1X Membership Rewards® Points on other purchases. Terms and limitations apply.
1X-5X Membership Rewards® Points
Rewards Program:
Earn 3X Miles on Delta purchases. Earn 1X Mile on all other eligible purchases.
1X-3X miles
Rewards Program:
14 points per $1 at Hilton properties, 7 points per $1 on flights booked directly with the airline, rental cars booked through certain agencies, and dining in eligible U.S. restaurants, 3 points per $1 on all other eligible purchases
3X - 14x points
Rewards Program:
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases. Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
1X - 5X points
Intro APR:
Purchases: n/a
Balance Transfers: n/a
Intro APR:
Purchases: n/a
Balance Transfers: n/a
Intro APR:
Purchases: N/A
Balance Transfers: N/A
Intro APR:
Purchases: N/A
Balance Transfers: N/A
APR:
See Pay Over Time APR
APR:
20.99%-29.99% Variable
APR:
20.99% to 29.99%, variable
APR:
19.49% - 27.49%, variable
Annual Fee:
$695
Annual Fee:
$650
Annual Fee:
$550
Annual Fee:
$695
Highlights:
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
$200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
$240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
$155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
$199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
$695 annual fee.¤
Terms Apply.
Highlights:
Earn 60,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Enjoy complimentary access to the Delta Sky Club. 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. Once all 15 Visits have been used, Eligible Card Members may purchase additional Delta Sky Club Visits at a per-Visit rate of $50 per person using the Card.
Receive four Delta Sky Club® One-Time Guest Passes each year when you fly Delta so you can share the experience with family and friends.
Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
Earn $1 Medallion® Qualification Dollar for each $10 of purchases made on your Delta SkyMiles® Reserve American Express Card in a calendar year and get a boost toward achieving elevated Medallion Status for next Medallion Year.
Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
$240 Resy Credit: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
$120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
With your Card receive upgrade priority over other Medallion Members within the same Medallion level and fare class.
Delta SkyMiles® Reserve American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
No Foreign Transaction Fees.
$650 Annual Fee.
Terms Apply.
Highlights:
Earn 150,000 Hilton Honors points by spending $6,000 in the first six months of card opening.
Earn 14 points per $1 spent at Hilton properties.
Earn 7 points per $1 spent on flights booked directly with the airline, rental cars booked through certain agencies, and dining in eligible U.S. restaurants.
Earn 3 points per $1 on all other eligible purchases.
Earn up to $600 in statement credits.
Complimentary airport lounge access
Complimentary Diamond status
Highlights:
Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Unlock over $1,000 in value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies, up to $360 with Indeed, up to $150 with Adobe and up to $120 on wireless telephone purchases. Enrollment required.
$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline.
$189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership.
The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
Please visit americanexpress.com/benefitsguide for more details.
Trip delay and cancellation insurance and cell phone protection underwritten by New Hampshire Insurance Company, an AIG Company.
Extended warranty, purchase protection, car rental insurance, and baggage insurance underwritten by AMEX Assurance Company.
• Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
• Please visit americanexpress.com/benefitsguide for more details.
• If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.
• Extended warranty, purchase protection warranty, baggage insurance plan, and car rental loss & damage insurance underwritten by AMEX Assurance Company.
• Trip delay insurance, trip cancellation and interruption insurance, and cell phone protection underwritten by New Hampshire Insurance Company, an AIG Company.
The invite-only American Express Centurion and American Express Business Centurion Card also come with concierge access. However, unlike the normal Amex concierge service, the Centurion concierge service takes it up a notch. For example, Centurion cardholders can receive their own dedicated concierge. So, each time you have a request, you can contact the same concierge for a more personalized service. (Terms apply.)
What does the Amex concierge not do?
Although Amex concierges can accomplish a lot of things, there are some things they simply can't do. For one thing, they'll politely decline any illegal -- or indecent -- requests. (If you wouldn't ask your mother to do it, you probably shouldn't ask an Amex concierge!)
Additionally, as mentioned above, your Amex concierge isn't who you contact to book travel or accommodations -- you want Amex Travel for that. You also won't use the Amex concierge to redeem your Amex Membership Rewards points.
Finally, Amex concierges are not credit card customer service agents. This means they can't help you with account issues. And you won't contact them to pay your Amex credit card bill or to report credit card fraud. You'll need to contact a regular Amex customer service agent for these tasks.
How to contact the Amex concierge
To use the Amex concierge service, all you need to do is call. Once you're connected with an agent, simply make your request.
You can contact an Amex concierge by calling: 1-800-525-3355
You can also dial the number on the back of your Platinum card and select "Concierge" from the menu. Amex used to offer concierge service through email, but this was discontinued Aug. 18, 2021.
If you want to book airline tickets, hotel rooms, or rental cars, you'll need to contact Amex Travel. You can do this through the American Express Travel website, or by phone.
You can contact Amex Travel by calling: 1-800-297-2977
Is the Amex concierge free to use?
There is no service fee to use the Amex concierge. However, the costs and fees for any purchases made or services contracted on your behalf will be charged to your Amex credit card. So, if you use the Amex concierge to order flowers, there's no fee for the concierge, but the cost of the flowers (and delivery) will be charged to your card.
How long does it take to get answers?
The time it takes to get an answer from your Amex concierge will depend on the complexity of your request. Simple questions can often be answered right away. More complicated questions or requests could take 48 hours or more to be completed. For example, pointing you to the nearest gas station could take minutes. On the other hand, tracking down a hard-to-find item or putting together detailed research on a destination could take several days.
Choosing a credit card
Don't you wish you could take a peek inside a credit card expert's wallet sometimes? Just to see the cards they carry? Well, you can't look in anybody's wallet, but you can check out our experts' favorite credit cards. Get started here:
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
5.00/5
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
Best for cash rewards on everyday spending
$200 cash rewards
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
2% cash rewards
Earn unlimited 2% cash rewards on purchases.
Intro:
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers
Purchases: 0% intro APR, 12 months from account opening
Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers
5.00/5
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
Best for cash back on rotating categories
Discover will match all the cash back you’ve earned at the end of your first year.
N/A
1% - 5% Cashback
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
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
Best for unlimited rewards on purchases
25,000 points
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
1.5 points per dollar
Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open.
Intro:
0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 19.24% - 29.24% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers.
Purchases: 0% Intro APR for 15 billing cycles for purchases
Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
The Amex concierge service is like a personal assistant. You can call the concierge to request help with:
Dinner, spa, or golf reservations
Finding and buying tickets to events
Purchasing and delivering gifts or flowers
Researching travel information or city guides
Amex concierges do not:
Book travel, including airfare and hotel stays
Process credit card payments
Handle account issues
Terms apply.
Eligible cardholders can contact an Amex concierge by calling 1-800-525-3355.
To book travel, you'll need to contact Amex Travel. This can be done by calling 1-800-297-2977.
Only a few Amex cards have concierge access, including:
The Platinum Card® from American Express
The Business Platinum Card® from American Express
Delta SkyMiles® Reserve American Express Card
Hilton Honors American Express Aspire Card
The Amex Centurion card and American Express Business Centurion Card also come with concierge access. However, the service is slightly different as Centurion cardholders have their own dedicated concierge. (Terms apply.)
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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, a Motley Fool service, does not cover all offers on the market. The Ascent has a dedicated team of editors and analysts focused on personal finance, and they follow the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.
American Express is an advertising partner of The Ascent, a Motley Fool company. Brittney Myers has positions in American Express. The Motley Fool has positions in and recommends Target, Uber Technologies, Visa, and Walmart. The Motley Fool recommends Flow. The Motley Fool has a disclosure policy.
For rates and fees for the Delta SkyMiles® Reserve American Express Card, click here
For rates and fees for the Hilton Honors American Express Aspire Card, click here
For rates and fees for the The Business Platinum Card® from American Express, click here
For rates and fees for the The Platinum Card® from American Express, click here
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