The Visa Infinite program offers credit card holders exclusive benefits and services. While it’s a tier down from the Visa Infinite Privilege program, it’s designed for premium cardholders and offers perks such as concierge services, travel benefits, and more.
Key Takeaways
- The Visa Infinite perks and benefits are available to those who hold Visa credit cards with this specific designation.
- Premium services provided by the program include its Luxury Hotel Collection, Dining Series, and complimentary concierge assistance.
- The top cards in this category include the RBC Avion Visa Infinite, Scotiabank Momentum Visa Infinite, Scotiabank Passport Visa Infinite, and TD Aeroplan Visa Infinite card.
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What is Visa Infinite?
The Visa Infinite program is the highest level of Visa-branded credit card. It’s geared towards high earners who are looking for top-tier benefits from their credit cards.
Visa Infinite benefits are provided by Visa, but it’s actually the credit card issuer that decides whether a particular benefit or perk is included on their Visa Infinite-branded card. Plus, many issuers add their own perks on top of the Infinite ones.
Visa Infinite perks and benefits
With a Visa Infinite credit card in your wallet, you’ll enjoy a range of insurance coverages, Priority Pass membership, roadside assistance, and much more.
Here are a few of the most exclusive highlights.
Visa Infinite Luxury Hotel Collection
What it is: The Visa Infinite Luxury Hotel Collection is a curated selection of over 900 prestigious hotels and resorts around the world that offer exclusive benefits and privileges to Visa Infinite cardholders.
What you get: When you use your Visa Infinite or Visa Infinite Privilege card to reserve a stay at a Hotel Collection property, you'll automatically enjoy:
- The best available rate
- A free room upgrade (subject to availability)
- A US$25 food or beverage voucher
- Daily breakfast for 2 people
- VIP guest status
- Free in-room internet access
- Late 3 PM checkout (subject to availability)
Visa Infinite Dining Series
What it is: The Visa Infinite Dining Series is updated each season and gives cardholders exclusive access to dining experiences at new restaurants throughout the country.
What you get: You'll be able to purchase tickets that might not otherwise be available to Instagram-worthy culinary events in all of Canada's biggest cities – Toronto, Vancouver, Calgary, Ottawa, and Montreal. Each event is exclusive for Visa Infinite and Visa Infinite Privilege cardholders and includes:
- A multi-course meal
- Wine or cocktail pairings
- An experience with renowned chefs, sommeliers, and mixologists
Visa Infinite Complimentary Concierge
What it is: Your Visa Infinite credit card concierge can help you make hotel or restaurant reservations, plan a party, order flowers, get tickets to the hottest shows, and more.
What you get: Enjoy 24/7 access to a concierge who will do the research and heavy lifting so that you don’t have to. Your complimentary concierge is available by phone. If you’re outside of Canada, you can place a collect call to the concierge.
Visa Infinite vs. Visa Infinite Privilege
The biggest difference between Visa Infinite and Visa Infinite Privilege is the number of benefits you'll receive. The Privilege program gives you access to all the regular Visa Infinite perks – and then some. This might include:
- Global Airport Lounge Access with 6 complimentary visits at Visa Airport Companion lounges
- Dedicated VIP security fast track lane at Montreal, Ottawa, Toronto-Billy Bishop, and Vancouver International airports
- Airport parking at Ottawa and Vancouver International airports
- Valet discounts at Montreal, Ottawa, and Vancouver International airports
There are a couple of other key differences between the card programs:
- Income requirements: Most Visa Infinite cards require at least $60,000 personal or $100,000 household income. In contrast, most Infinite Privilege cards require $200,000 household income.
- Fees: Visa Infinite Privilege cards tend to have much higher annual fees – typically around $399 to $599 vs. about $120 for Visa Infinite cards.
Visa Infinite vs. Visa Infinite Privilege card comparison
To illustrate the differences, we're comparing 2 cards from the same family – the
| Feature | BMO eclipse Visa Infinite Card | BMO eclipse Visa Infinite Privilege Card |
|---|---|---|
| Sign-up bonus |  $150 GeniusCash + Up to 70,000 bonus points, first year free (terms) | Up to 120,000 bonus points (terms) |
| Rewards | * 5 BMO Rewards points for every $1 spent on dining, groceries, gas, and transit * 1 point per $1 spent on all other purchases | * 5x BMO Rewards points for every $1 spent on travel, dining, gas, groceries, and drugstores * 1 point per $1 spent on all other purchases |
| Visa Infinite perks | * Visa Infinite Luxury Hotel Collection * Visa Infinite Concierge * Visa Infinite Dining Series | * Visa Infinite Luxury Hotel Collection * Visa Infinite Concierge * Visa Infinite Dining Series * Global Airport Lounge Access with Priority Pass * Priority security lane at Montreal-Trudeau, Vancouver, and Ottawa International airports * Parking discounts at Montreal-Trudeau, Vancouver, Toronto-Billy Bishop, and Ottawa International airports * Premium parking spots at Vancouver and Ottawa International airports |
| Other benefits | * $50 annual lifestyle credit * 10% bonus points when you add an authorized user | * $200 annual lifestyle credit * 25% bonus points when you add an authorized user |
| Annual fee | $120 | $599 |
| Income requirements | $60,000 personal or $100,000 household | $150,000 personal or $200,000 household |
As expected, the BMO eclipse Visa Infinite Privilege Card has much more to offer – but it also has higher income requirements and a much higher annual fee.
The BMO eclipse Visa Infinite Card starts you off with up to 70,000 bonus points and earns you similar rewards of up to 5 points per $1 spent on the card. You’ll also get an annual $50 lifestyle credit, 10% bonus points when you add an authorized user, and a discount on fuel at Shell – and you’ll pay a lower annual fee for it all.
So it's the extra perks that make the difference with the BMO eclipse Visa Infinite Privilege Card – and whether or not they're worth the $599 annual fee is up to you.
Here are a few Visa Infinite Privilege cards to consider:
Best Visa Infinite credit cards
If you want access to Visa Infinite and Visa Infinite Privilege perks, you'll need a Visa Infinite credit card. It just so happens that these credit cards come out on top in several categories.
Here are some of the most noteworthy, in addition to the 2 that we've already covered above.
TD Aeroplan Visa Infinite Card
One of Aeroplan's top branded cards, the
Earn 1.5 points for each dollar spent on gas, groceries, and Air Canada purchases. And since each Aeroplan point is worth 2 cents, you're getting a 3% return on all of these purchases – plus another 2.33% return on all other spending. You'll also receive free checked bags on Air Canada and preferred pricing on reward flights.
Scotiabank Passport Visa Infinite Card
GC: $30
What stands out the most about the
RBC Avion Visa Infinite
×1 Award winner GC: $100
1x Award winner The
Scotia Momentum Visa Infinite Card
GC: $20
As one of the best cash back credit cards in Canada, the
What do you think of the Visa Infinite program?
From where we're sitting, the Visa Infinite program makes it relatively easy to live a life of luxury – all you need is the right credit card in your wallet. Consider all of the perks provided by the program itself, plus the benefits of the individual credit cards, and you're sitting pretty.
Do you have a Visa Infinite card? What is your favourite perk?
Leave us a comment below!
FAQ
What is the Visa Infinite program?
Along with the perks of your credit card itself, the Visa Infinite program offers a standard set of benefits for Visa Infinite cardholders. Some of these advantages include concierge service, the Luxury Hotel Collection, and Visa Infinite Dining Series.
What is the best Visa Infinite credit card?
The best Visa Infinite credit card is the RBC Avion Visa Infinite for its high rate of return on spending, insurance, and other perks. Other top cards include the Scotiabank Momentum Visa Infinite and TD Aeroplan Visa Infinite cards.
Who issues Visa Infinite credit cards in Canada?
The main issuers of Visa Infinite credit cards in Canada are Scotiabank, RBC, TD, BMO, and CIBC. Each has its own line of cards with unique features, eligibility requirements, insurance coverage, and benefits for cardholders.
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