Update: Some offers mentioned below may have changed or are no longer available. View current credit card offerings from our partners at CardCritics here on the issuer’s website.

                By                    Andrew Lisa

In the right kind of hotel or resort, a staff concierge will help you make reservations, get a car, buy gifts or arrange a visit to the spa or salon. With the right kind of credit card, you can get the exact same treatment. 

Read: 18 Reasons Why You Should Be Using Your Credit Cards MoreSee: The Top Purchases You Should Always Make With a Credit Card

Most credit cards do not come with a team of personal assistants — but some do. You’ll pay for the service, but not always as much as you might think. If your current credit card isn’t helping you save time and get things done, perhaps it’s time for an upgrade.

Wait. My Credit Card Comes With Helpers? What Can They Do?

Premium concierge credit cards offer benefits that are unlike those you’ll find in any standard rewards programs. In most cases, you can call on them 24 hours a day, seven days a week to farm out tedious tasks that you don’t want to do yourself. That includes:

  • Booking airline tickets or hotel rooms
  • Making dinner or theater reservations
  • Reserving rental cars
  • Wardrobe shopping, personal shopping and gift shopping
  • Securing personal services like salon visits or pet sitters
  • Booking VIP events or other exclusive outings, like in-demand sporting events or hard-to-get dinner reservations — if you’re willing to pay the price, that is.

They can’t do anything unethical or illegal, and they can’t do things that can’t be done. If you call your concierge demanding two Super Bowl tickets on the 50-yard line for $30 each, for example, you’ll get the same response that you would have gotten at the ticket box office — a resounding “no.” 

Check Out: The Best Credit Card for Each Type of SpenderLearn: Surprising Uses for Your Credit Card Rewards

This All Sounds Expensive, Right? Often, but Not Always

Generally, cards that offer concierge services are marketed to well-heeled travelers and other wealthier cardholders who can afford the annual fees, which tend to be steep. The most exclusive concierge card in the world, the invitation-only American Express Centurion Black Card, comes with a $10,000 initiation fee and an annual fee of $5,000.

That — thankfully for mere mortals who might be interested — is an outlier. 

The vast majority of concierge cards let you move the decimal point back one place with annual fees between $500-$600. There are a few gems, however, that offer premium concierge services — although not as premium as the extraordinary perks that Centurion Black delivers — for a much more reasonable price. Chase Sapphire Preferred, for example, has an annual fee of just $95, which you could easily pay for a decent rewards card with no concierge services at all.

Travel Is Back: 10 Credit Cards To Consider for Travel RewardsBonuses Bonanza: Credit Cards Now Offering Major Bonuses For New Customers

Those fees cover the cost of the concierge services — you don’t have to pay anything extra when you request assistance. Keep in mind, however, that whatever you buy will be charged to the card associated with the service, and big asks can cost big bucks.  

Is $5,000 or $500 or $95 worth the expense? That, of course, depends on what those numbers mean to you and your budget — but in all cases, concierge cards are only worth the expense if you actually use the service.  

Which Credit Cards Can Give Me a Personal Assistant?

According to Forbes, the following credit cards offer concierge services to cardholders who qualify:

American Express, Member FDIC

  • Delta SkyMiles Reserve American Express Card
  • Hilton Honors Aspire Card from American Express
  • The Platinum Card from American Express
  • Centurion Card from American Express

Explore: The Best New Credit Card Rewards Available — and Which Ones to Focus OnSee: This Easy Trick Will Improve Your Credit Score and Avoid Late Payments

Capital One

  • Capital One SavorOne Cash Rewards Mastercard
  • Capital One Venture Rewards Visa Signature
  • Capital One VentureOne Rewards Visa Signature
  • Capital One Walmart Rewards Card
  • Capital One Quicksilver Cash Rewards Mastercard
  • Savor Rewards from Capital One Visa Signature

Chase

Discover: The 6 Best Store Credit Cards Worth a Spot in Your WalletLearn: Why It’s Time to Break Up With Your First Credit Card

Citi

  • American Airlines AAdvantage MileUp Card World
  • Citi / AAdvantage Platinum Select World Elite Mastercard
  • Citi / AAdvantage Executive World Elite Mastercard
  • Costco Anywhere Visa Card by Citi World
  • Citi Double Cash Card World
  • Citi Premier Card World
  • Citi Diamond Preferred Card World
  • Citi Rewards+ Card World
  • Citi Prestige Card

Luxury Card

  • Mastercard Gold Card
  • Mastercard Titanium Card
  • Mastercard Black Card

U.S. Bank

  • U.S. Bank Altitude Reserve Visa Infinite Card

  • Jaw-Dropping Stats About the State of Retirement in America

  • Monifi Review: Mobile Banking That Can Improve Your Budgeting

  • 20 Home Renovations That Will Hurt Your Home’s Value

  • 27 Things You Should Never Do With Your Money