Full glossary
feature
Concierge
Card Concierge Service
Definition
A phone or chat service available on premium credit cards (Amex Platinum, Chase Sapphire Reserve, Visa Infinite) that handles bookings, recommendations, and problem-solving.
Why it matters
Most useful for: hard-to-find restaurant reservations, complex multi-city booking, and benefit redemption help. Tends to be less useful for cancellations, refunds, or anything requiring authority over your accounts.
Related terms in feature
5th Night Free
Marriott Bonvoy and Hilton Honors benefit: book 5 award nights and the cheapest night is free. Effectively a 20% discount on long-stay redemptions.
4th Night Free
IHG One Rewards benefit: book 4 award nights with the IHG Premier card and the cheapest night is free. Effectively a 25% discount.
Annual Credit
A dollar credit on specific purchases that resets each card-membership year. Examples: Amex Platinum $200 airline credit, Amex Gold $120 dining credit.