Pros & cons
Pros
- Earn 1.5 points per $1 spent on all purchases.
- Double points on foreign currency purchases.
- 11 types of insurance.
Cons
- High income requirements of $60,000 personal or $100,000 household.
Your rewards
Getting your welcome bonus
Based on $2,000 in monthly spending, you can get up to 7,000 points which translates to an estimated $70.◊
For all welcome bonus details click here.
Welcome bonus offer ends May 31, 2025.
How you earn rewards
Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. With Meridian Visa Infinite Travel Rewards Card, here's how you earn rewards:
- 6 points per $2 spent on fx purchases
- 3 points per $2 spent on all other purchases
For all reward details click here.
How much your rewards are worth
The dollar value of your rewards depends on the specific rewards program ‒ and what you choose to redeem your points for. For Meridian Visa Infinite Travel Rewards Card in particular, if you spend $2,000 per month, here's our estimated annual rewards earned depending on which reward you choose:
| Statement credits | $360 | |
| Merchandise | $360 | |
| Gift Cards | $360 | |
| Redeem for any travel | $360 |
Calculating your annual rewards
$24,000 annual spending x 1.50% return on spending = $360 annual rewards
$360 annual rewards − $99.00 annual fee = $261 net annual rewards
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Details and eligibility
- Estimated Credit Score
- 760 - 900
- Personal Income
- $60,000
- Household Income
- $100,000
- Annual Fee
- $99.00
- First Year Free
- Yes
- Extra Card Fee
- $30
- Card type
- Credit
- Purchase
- 19.50%
- Cash Advance
- 21.99%
- Balance Transfer
- 21.99%
Insurance coverage
- Extended Warranty
- 1 year
- Purchase Protection
- 90 days
- Price Protection
- Yes
- Mobile Device
- $1,000
- Travel Accident
- $1,000,000
- Emergency Medical Term
- 48 days
- Emergency Medical over 65
- 15 days
- Trip Cancellation
- $2,000
- Trip Interruption
- $2,000
- Baggage Delay
- $500
- Lost or Stolen Baggage
- $1,000
- Rental Car Theft & Damage
- Yes
Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.
Learn more about the value of credit card insurance coverage.
Genius Rating
Meridian Visa Infinite Travel Rewards Card's 4.6 Genius Rating is based on the weighted average of the following scores:
Methodology
All scores are produced by our math-based rating algorithm that takes into account over 126 credit card features.
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GC: $150
Meridian Travel Rewards Visa Infinite
Travel rewards cards with a high base earn rate on everything are getting harder to come by. But there are some options out there, with the Meridian Visa Infinite Travel Rewards Card being one of them.
Here's what this credit card offers.
Meridian Visa Infinite Travel Rewards Card rewards
With the Meridian Visa Infinite Travel Rewards Card you're earning flexible rewards that can be used for a few things. First, here's what it earns on purchases:
- 6 points per $2 spent on fx purchases
- 3 points per $2 spent on all other purchases
If you prefer just one rate for your purchases, this is a good card to consider. And as a bonus, your rewards are doubled when you're travelling outside the country, which offsets the typical 2.5% foreign currency fee.
You’ve got a few options for how you use those rewards:
- Travel
- Gift cards
- Merchandise
- Statement credits
No matter which option you choose, you'll get a value of 1 cent per point, or a return of 1.5% on everything.
Pros of the Meridian Visa Infinite Travel Rewards Card
This card brings more to the table than just rewards.
1. Excellent insurance coverage
Like most Meridian credit cards, the insurance package included with this credit card is extensive, with 11 types included.
But there's a very rare insurance included: price protection. Pay for an eligible item and if it goes on sale within 60 days, you can get a refund for the price difference.
2. Lower annual fee of $99
Most credit cards with these levels of rewards and insurance start with an annual fee of $120 – but not here. It's only $Meridian Visa Infinite Travel Rewards Card, which leaves a few extra dollars in your pocket.
Meridian Visa Infinite Travel Rewards Card cons
Here are some things you'll want to consider with the Meridian Visa Infinite Travel Rewards Card.
1. Only available to residents of Ontario
Meridian only offers credit cards to residents of Ontario. And while their application includes all provinces, you’ll be denied if you aren’t living in Ontario.
2. High income requirements
As a Visa Infinite card, you’ll need to meet the typical income requirements of $60,000 personal or $100,000 household. This may put the card out of reach for some people.
Comparison to the Meridian Visa Infinite Cash Back Card
Meridian offers 2 different Visa Infinite cards – the other is the Meridian Visa Infinite Cash Back Card. While it's labeled as a cash back credit card, it offers the same rewards as this card, albeit with different earn rates.
Here's how they compare.
| Meridian Visa Infinite Travel Rewards Card | Meridian Visa Infinite Cash Back Card | |
|---|---|---|
| Normal earn rate | * 6 points per $2 spent on fx purchases * 3 points per $2 spent on all other purchases | * 4% cash back on groceries and gas * 2% cash back on pharmacies and utility bills * 1% cash back on all other purchases |
| Welcome bonus | 7,000 bonus points (terms) | 70 bonus cash (terms) |
| Number of insurance types | 11 | 11 |
| Annual fee | $99 | $99 |
| Income requirements | * $60,000 personal * $100,000 household | * $60,000 personal * $100,000 household |
It all comes down to where you plan to use your credit card:
- If you use your card for a lot of basics like gas and groceries, the Meridian Visa Infinite Cash Back Card will earn you more rewards
- If you want to keep it simple or often shop at stores that don’t fall under any category, go with the Meridian Visa Infinite Travel Rewards Card
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FAQ
What kind of credit card is the Meridian Visa Infinite Travel Rewards Card?
The Meridian Visa Infinite Travel Rewards Card is a flexible rewards credit card, where points can be used towards things like travel, statement credits, merchandise, and gift cards.
What insurance coverage comes with the Meridian Visa Infinite Travel Rewards Card?
The Meridian Visa Infinite Travel Rewards Card includes 11 types of insurance, one of which is rare price protection.
What are the annual fee and income requirements of the Meridian Visa Infinite Travel Rewards Card?
The Meridian Visa Infinite Travel Rewards Card has an annual fee of $99 and income requirements of either $60,000 personal or $100,000 household.
Key benefits
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