Visa Infinite credit cards offer exclusive benefits and services, including access to the Visa Infinite Luxury Hotel Collection, Visa Infinite Dining Series, Visa Infinite Complimentary Concierge, and more. The Visa Infinite Privilege program offers additional perks, including access to airport lounges.
Many of the top Visa credit card options in Canada are Infinite or Infinite Privilege cards, largely due to the excellent benefits this program offers.
The guide below discusses the key benefits of Visa Infinite cards and highlights some of our favourite Visa Infinite card options.
Key Takeaways
- Visa Infinite cards include a number of exclusive benefits, but Visa Infinite Privilege cards offer even more valuable opportunities.
- Benefits of the Visa Infinite program include the Luxury Hotel Collection, Dining Series, and complimentary concierge assistance.
- You can apply for Visa Infinite cards from several issuers, including Scotiabank BMO, RBC, and TD.
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What is Visa Infinite?
The Visa Infinite program is a high-tier benefits package for premium Visa credit cards. It's geared toward high earners seeking 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, airport lounge access, 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
- Automatic free room upgrade (subject to availability)
- A US$25 food or beverage voucher
- Daily breakfast for two people
- VIP guest status
- Free in-room internet access (where available)
- Late checkout upon request (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, Halifax, Whistler, 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 assist you with making hotel or restaurant reservations, planning a party, ordering flowers, obtaining 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 six complimentary visits at Visa Airport Companion lounges
- Dedicated VIP security fast track lane at Montreal and Ottawa International airports
- Airport parking at Ottawa International Airport
- Valet discounts at Toronto Billy Bishop and Ottawa 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 in personal income or $100,000 in household income. In contrast, most Infinite Privilege cards require a $200,000 household income.
- Fees: Visa Infinite Privilege cards typically have much higher annual fees, ranging from $399 to $599, compared to about $120 for Visa Infinite cards.
Visa Infinite vs. Visa Infinite Privilege card comparison
To illustrate the differences, we're comparing two cards from the same family – the RBC Avion Visa Infinite and the RBC Avion Visa Infinite Privilege.
| Feature | RBC Avion Visa Infinite | RBC Avion Visa Infinite Privilege |
|---|---|---|
| Sign-up bonus | 55,000 bonus points (terms) | Up to 70,000 bonus points (terms) |
| Rewards | * 1.25 points per $1 spent on travel * 1 point per $1 spent on all other purchases | * 1.25 points per $1 spent on all purchases |
| Visa Infinite perks | * Visa Infinite Hotel Collection * Visa Infinite Concierge * Visa Infinite Dining Series * Visa Infinite Wine Country * Discounted GigSky data plan | * Visa Infinite Luxury Hotel Collection * Visa Infinite Concierge * Visa Infinite Dining Series * Visa Airport Companion Program with six free passes * Priority security lane at Toronto-Billy Bishop, Montreal-Trudeau, and Ottawa International airports * Parking discounts at Montreal-Trudeau, and Ottawa International airports * Premium parking spots at Ottawa International Airport * Free or discounted GigSky data plan |
| Other benefits | * 3 cents off per litre fuel discount at Petro-Canada * Earn 50 Be Well points for every $1 spent at Rexall * Get up to 20% off Hertz car rentals and earn 3x the points * Enjoy a free DoorDash subscription for one year | * Optional insurance like roadside assistance available * 3 cents off per litre fuel discount at Petro-Canada, plus earn 20% more points * Personalized RBC offers and discounts * Access reservations for popular restaurants Earn 50 Be Well points for every $1 spent at Rexall * Get up to 20% off Hertz car rentals and earn 3x the points * Enjoy a free DoorDash subscription for one year * Golf perks through Troon Rewards * Access to the Toronto International Film Festival and national Canada soccer matches |
| Annual fee | $120 | $399 |
| Income requirements | $60,000 personal or $100,000 household | $200,000 personal or household |
As expected, the RBC Avion Visa Infinite Privilege has much more to offer – but it also has higher income requirements and a much higher annual fee.
The RBC Avion Visa Infinite starts you off with up to 55,000 bonus points and earns you similar rewards of 1.25 points per $1 spent on travel or 1 point per $1 everywhere else. You'll also get a discount on fuel at Petro-Canada and rental cars through Hertz, along with a free annual DoorDash subscription and the ability to earn Be Well points at Rexall – all while paying a lower annual fee.
So, it's the extra travel perks that make the difference with the RBC Avion Visa Infinite Privilege – and whether or not they're worth the $399 annual fee is up to you.
Here are a few Visa Infinite Privilege cards to consider:
$400 GeniusCash + Earn up to 200,000 points + 5x points + $200 annual lifestyle credit.*
GC: $400
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 so happens that these credit cards excel in several categories.
Here are some of the most noteworthy, in addition to the 2 covered above:
TD® Aeroplan® Visa Infinite* Card
One of Aeroplan's top branded cards, the TD Aeroplan Visa Infinite Card provides plenty of perks related to Air Canada travel – and all for a reasonable $139 annual fee, which is waived for the first year.
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
×1 Award winner GC: $150
1x Award winner What stands out the most about the Scotiabank Passport Visa Infinite Card is its lack of foreign exchange fees – it's actually one of the best foreign exchange travel credit cards in Canada. Aside from that, it has a solid 1.35% earn rate, includes 11 types of insurance coverage, and offers a Visa Airport Companion membership.
Scotia Momentum® Visa Infinite* Card
×2 Award winner GC: $20
2x Award winner As one of Canada's best cash back credit cards in Canada, the Scotia Momentum Visa Infinite Card is hard not to notice. Earning 4% back on groceries and recurring bills is nothing to sneeze at, nor is the included mobile device insurance coverage. Those who also hold a Scotiabank Ultimate Package can even have the credit card's annual fee waived each year.
FAQ
What is a Visa Infinite card?
A Visa Infinite card is a credit card that comes with a tier of benefits not included with basic Visa cards. These benefits include access to the Visa Infinite Luxury Hotel Collection, Visa Infinite Dining Series, Visa Infinite Complimentary Concierge, and more.
Is a Visa Infinite card hard to get?
A Visa Infinite credit card requires you to have at least $60,000 personal or $100,000 household annual income and meet credit score requirements. The Visa Infinite Privilege card requires even more – you'll need $200,000 a year to qualify.
Is the CIBC Visa Infinite worth it?
CIBC offers a few Visa Infinite cards, and yes, they can definitely be worth adding to your wallet. The CIBC Dividend Visa Infinite is the best cash back card from CIBC, and the CIBC Aventura Visa Infinite is the best CIBC credit card overall.
How much is a Visa Infinite card?
Typically, the annual fee for a Visa Infinite card is $120, while the annual fee for a Visa Infinite Privilege card ranges from $399 to $599. There are a few Visa Infinite cards that waive the fee for the first year, and those who also hold a Scotiabank Ultimate Package may be eligible for an annual fee waiver.
What is the Visa Infinite Wine Country program?
The Visa Infinite Wine Country program provides Visa Infinite cardholders with exclusive benefits when visiting select Canadian wineries. This can include intimate dinners, complimentary tastings, private vineyard tours, discounts on purchases, and more. There may even be online deals and/or complimentary delivery.
What is the Visa Infinite Dining program?
With the Visa Infinite Dining program, Visa Infinite cardholders have access to chef-curated events at some of Canada's best restaurants. Attending such an event means you'll enjoy a multi-course meal paired with wine or cocktails, meet the celebrated chef(s), interact with sommeliers and mixologists, and more.
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