Visa Infinite offers an elevated level of luxury, discounts and protections.
If you’re a top earner and a frequent traveller, there are few programs as worthwhile as the Visa Infinite package of benefits. Replete with travel advantages such as trip coverage, purchase and return protection, and much more, the benefits associated with Visa Infinite are often sought-after by credit card users.
The Visa Infinite program launched in Canada in 2008 and remains somewhat exclusive to this day. However, if your application for a Visa Infinite credit card is approved, you’ll enjoy dozens of perks to make your life that much easier the next time you travel or dine out for business or pleasure.
What is Visa Infinite?
Visa Infinite is an umbrella term for a specific tier of benefits that Visa extends to its cardholders. There are two tiers of benefits correlated with specific credit cards: the Visa Infinite tier and the Visa Infinite Privilege tier.
We’ll be focusing primarily on Visa’s Infinite tier, which requires a personal income of at least $60,000 a year or a household income of at least $100,000 ayear to be eligible. This program has cards that come with some hefty annual fees, such as $499/year (though most Visa Infinite cards have an annual fee that falls around $120/year). That said, if you travel or dine out frequently enough, the benefits that the Visa Infinite program provides can be more than worth it.
While a Visa Infinite card can be difficult to obtain, or seemingly costly on an annual basis, the benefits that these cards offer will compensate for the expense if you’re a frequent traveller. Many Visa Infinite cards also waive first-year annual fees, so you can enjoy a slew of perks for free and decide whether they’re worth the cost in subsequent years. However, we think you’ll find the perks worth it. In fact, Visa Infinite cards account for many of the best Visa credit cards we recommend.
Before applying for any of the Visa Infinite cards, it’s important that you have a comprehensive overview of the perks and benefits that they offer. Let’s explore these in a bit more detail.
Visa Infinite Benefits
To be considered a true travel credit card, benefits must cover multiple areas pertaining to travel, including lodging, entertainment, and food and drink. Any of the credit cards in the Visa Infinite collection offer perks that span these categories and more!
Luxury hotels
A Visa Infinite card can open a lot of (expensive) doors for a fraction of the cost. Take, for example, the Luxury Hotel & Resort Collection program. With your Visa Infinite card, your reservation at any of the 1,000 qualifying hotels will include:
- Best available rate guarantee
- Complimentary WiFi
- Daily continental breakfast
- Early check-in or late check-out
- A possible room upgrade
While these benefits more or less apply to any qualifying luxury hotel, their value may vary based upon the quality of the property’s amenities. You can get the most bang for your buck by targeting hotels that offer the best services for your needs and preferences. To take advantage of these perks, you’ll need to book your stay at a property via the Luxury Hotel & Resort Collection website.
Dining
With a Visa Infinite card, dining is another major category in which you’ll receive a wide range of perks. Specifically, the Visa Infinite Dining Series — updated each season — is your meal ticket (literally) to exclusive fine dining experiences throughout Canada. As a Visa Infinite cardholder, you’ll have access to culinary events and tickets that are not even available to major Instagram influencers.
With a Visa Infinite card, you’ll also enjoy multi-course meals and wine pairings delivered straight to your home. Follow along with the pros of the culinary industry via livestream for superior meals and entertainment from the comfort of your kitchen!
Wine
Credit cards in the Visa Infinite program grant exclusive access and benefits at wineries and vineyards in BC, Ontario, and Sonoma Valley. Expect perks such as complimentary wine tastings and tours, or discounted wine deliveries, at more than 60 wineries during the summer months. Be sure to check the Visa Infinite Dining Series guide for the season to stay in the loop with all participating venues.
Concierge
A Visa Infinite credit card gets you access to something like a personal assistant, otherwise known as Concierge. This Visa Infinite program service is complimentary and available around the clock. Get immediate help planning events, booking spaces and hotel reservations, ordering gifts and flowers…the list is endless! With Concierge, you can get even the hardest-to-find information about events and bookings by simply dialling for assistance. If this is a perk you’re after in a card, check out our top picks for credit cards with concierge services.
Flights & travel
Having the best travel credit card is a priority for many people who travel frequently for work or leisure. Perhaps one of the biggest benefits of being a Visa Infinite cardholder is that it offers some of the best travel perks out there, making it an attractive option to travel aficionados. Along with receiving exclusive seasonal offers for specific hotels and restaurants, you’ll receive extras such as:
- Free Air Canada companion ticket on Economy flights within North America
- Free first checked bag (Air Canada only)
- Flights reserved with points rather than cash
- Hotel rooms and rental cars reservable with points rather than cash
- Extensive travel medical insurance
- Trip cancellation/interruption service
- Delayed/lost baggage insurance
- Auto rental collision insurance
These benefits are really only the tip of the iceberg. Be sure to review the terms of your membership to maximize your credit card perks.
Visa Infinite vs. Visa Infinite Privilege
As we touched on earlier, there’s a difference between the Visa Infinite program and Visa Infinite Privilege.
Actually, there are several differences between the two programs, though the biggest is the increased number of benefits you’ll receive with Visa Infinite Privilege. For your convenience, here’s a total breakdown of the primary differences between the two:
| Features | Visa Infinite | Visa Infinite Privilege |
|---|---|---|
| Income requirements | Usually $60,000 personal or $100,000 household income | Typically higher, often requires significant assets under management; exact figures can vary by bank |
| Annual fee | Generally ranges from $100 to $499, depending on the bank and specific card | Typically higher than Visa Infinite, often $399 or more |
| Travel Insurance | Comprehensive coverage including trip cancellation, emergency medical, and delayed/lost baggage | More extensive coverage limits compared to Visa Infinite, including higher insurance amounts and additional types of coverage |
| Airport Lounge Access | Complimentary access, often with a limited number of free visits per year | More extensive lounge access, often including unlimited visits and additional guest passes |
| Concierge services | 24/7 concierge service for travel, entertainment, and dining assistance | More personalized concierge services, potentially with dedicated assistants |
| Rewards and Points | Reward points or cash back on purchases, with bonus categories for higher earnings | Typically higher rewards earning rate and more lucrative bonus categories compared to Visa Infinite |
| Hotel benefits | Benefits such as room upgrades, late check-out, and complimentary services at partner hotels | More luxurious hotel benefits, including guaranteed room upgrades and exclusive experiences |
| Exclusive Offers and Events | Access to special events, experiences, and offers in dining, entertainment, and shopping | Access to more exclusive, high-profile events and experiences tailored to affluent lifestyles |
| Purchase Protections | Includes protections like extended warranties, purchase protection, and return protection | Similar to Visa Infinite but may feature higher coverage limits and additional protections |
How to Join the Visa Infinite Club
Are you a frequent flyer, traveller, or restaurant aficionado? Are you considering a Visa Infinite card for the myriad perks the program offers?
There are several credit cards available, which you should explore in-depth to determine which will be the best fit for your lifestyle.
Best Visa Infinite credit cards for Travel
up to $1,300 valueâ€
Welcome Bonus
$436
First Year Value
$0
Annual Value
Welcome Bonus: Earn up to $1,300 in value†including up to 40,000 Aeroplan points†and no Annual Fee for the first year†. Conditions Apply.
Get this card if you...
-
want to quickly rack up Aeroplan points
-
need comprehensive travel insurance benefits
-
value a great welcome offer
Annual Fee & Annual Interest Rates
$139
Annual Fee
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The TD® Aeroplan® Visa Infinite* Card is a travel rewards credit card designed for frequent Air Canada travelers, offering elevated Aeroplan points on eligible gas, grocery, travel, and dining purchases. Cardholders benefit from perks such as a NEXUS application fee rebate, a complimentary first checked bag for the primary cardholder and up to eight companions on Air Canada flights, and access to select airport lounges; however, the card carries an annual fee and requires a minimum personal or household income for eligibility.
Eligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
-
The card has a high earn rate for Aeroplan Points, generating 1.5 points† per $1 spent on eligible purchases.
-
Insurance offered includes coverage in the categories that travellers need, and is generally better than its Aeroplan peers at a similar annual fee level.
Cons
-
No airport lounge membership or free lounge access.
-
Aeroplan points can’t be redeemed for flights outside the Star Alliance network, nor can they be redeemed for cash credit. This makes them less flexible than some competing travel rewards programs.
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$139
Annual Fee
$2.5
Foreign Transaction
3.00%
Balance Transfer
Rewards Aeroplan
1.5 pointsâ€
for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®)
1 pointâ€
Earn 1 point for every $1 you spend on all other purchases
2x
Earn points twice with Aeroplan partner brands and on the Aeroplan eStore.
50%
Earn 50% more Aeroplan points at Starbucks when you link your card to your account. Conditions apply.
1
partial NEXUS application fee rebate every 48 monthsâ€
1st
checked bag free for you and up to 8 travel companionsâ€
Insurance Benefits
$1,000
Mobile device insurance amount
$500,000
Travel accident insurance amount
$2,500
Hotel burglary insurance
$65,000
Rental car insurance amount
Earn up to $1,300 in value†, including up to 40,000 Aeroplan points†, no annual fee for the first year†and additional travel benefits. Conditions Apply. Offer effective as of January 7, 2025.
Earn a welcome bonus of 10,000 Aeroplan points when you make your first Purchase with your new Cardâ€
Earn 15,000 Aeroplan points when you spend $7,500 within 180 days of Account openingâ€
Plus, earn a one-time anniversary bonus of 15,000 Aeroplan points when you spend $12,000 within 12 months of Account openingâ€
Enroll for NEXUS and once every 48 months get a partial application fee rebateâ€
Plus, share free first checked bags with up to 8 travel companionsâ€
Get an annual fee rebate for the first year†.
To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders while this offer is in effect.
Starbucks Bonus Offer for New Linked Members†: Link your TD Aeroplan Visa Infinite to earn 600 Starbucks Stars and redeem them for free Starbucks treats. Limited time only. Conditions and restrictions apply.
Our Take
The TD® Aeroplan® Visa Infinite* Card is a travel rewards credit card designed for frequent Air Canada travelers, offering elevated Aeroplan points on eligible gas, grocery, travel, and dining purchases. Cardholders benefit from perks such as a NEXUS application fee rebate, a complimentary first checked bag for the primary cardholder and up to eight companions on Air Canada flights, and access to select airport lounges; however, the card carries an annual fee and requires a minimum personal or household income for eligibility.
Eligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
-
The card has a high earn rate for Aeroplan Points, generating 1.5 points† per $1 spent on eligible purchases.
-
Insurance offered includes coverage in the categories that travellers need, and is generally better than its Aeroplan peers at a similar annual fee level.
Cons
-
No airport lounge membership or free lounge access.
-
Aeroplan points can’t be redeemed for flights outside the Star Alliance network, nor can they be redeemed for cash credit. This makes them less flexible than some competing travel rewards programs.
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$139
Annual Fee
$2.5
Foreign Transaction
3.00%
Balance Transfer
Rewards Aeroplan
1.5 pointsâ€
for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®)
1 pointâ€
Earn 1 point for every $1 you spend on all other purchases
2x
Earn points twice with Aeroplan partner brands and on the Aeroplan eStore.
50%
Earn 50% more Aeroplan points at Starbucks when you link your card to your account. Conditions apply.
1
partial NEXUS application fee rebate every 48 monthsâ€
1st
checked bag free for you and up to 8 travel companionsâ€
Insurance Benefits
$1,000
Mobile device insurance amount
$500,000
Travel accident insurance amount
$2,500
Hotel burglary insurance
$65,000
Rental car insurance amount
Earn up to $1,300 in value†, including up to 40,000 Aeroplan points†, no annual fee for the first year†and additional travel benefits. Conditions Apply. Offer effective as of January 7, 2025.
Earn a welcome bonus of 10,000 Aeroplan points when you make your first Purchase with your new Cardâ€
Earn 15,000 Aeroplan points when you spend $7,500 within 180 days of Account openingâ€
Plus, earn a one-time anniversary bonus of 15,000 Aeroplan points when you spend $12,000 within 12 months of Account openingâ€
Enroll for NEXUS and once every 48 months get a partial application fee rebateâ€
Plus, share free first checked bags with up to 8 travel companionsâ€
Get an annual fee rebate for the first year†.
To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders while this offer is in effect.
Starbucks Bonus Offer for New Linked Members†: Link your TD Aeroplan Visa Infinite to earn 600 Starbucks Stars and redeem them for free Starbucks treats. Limited time only. Conditions and restrictions apply.
To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders while this offer is in effect.
†Terms and conditions apply.
up to 40,000 pts
Welcome Bonus
$1,383
First Year Value
$583
Annual Value
Welcome Bonus: Join and get up to $1,100 in value in your first year!â€
Get this card if you...
-
frequently travel with Air Canada and collect Aeroplan points
-
value comprehensive travel insurance
-
value a great welcome offer
Annual Fee & Annual Interest Rates
$139
Annual Fee
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The CIBC Aeroplan® Visa Infinite* Card is a travel rewards credit card tailored for frequent Air Canada travelers, offering elevated Aeroplan point accumulation on eligible gas, grocery and direct Air Canada purchases. Cardholders benefit from perks such as a free first checked bag on Air Canada flights, access to exclusive Visa Infinite offers, and comprehensive travel insurance.
Eligibility
Very Good (671 - 739)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
-
Earn up to 40,000 bonus Aeroplan points in the first year
-
Earn up to 1.5 Aeroplan points on purchases
-
Free checked bags on Air Canada flights
-
Special pricing on Aeroplan flight rewards
-
Includes travel insurance
Cons
-
High income requirement of either $60,000 personal or $100,000 household
-
Rewards go furthest when redeeming for Air Canada flights, so that can limit your travel options
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
25.99%
Penalty
Fees
$139
Annual Fee
$2.5
Foreign Transaction
5.00%
Balance Transfer
$5
Cash Advance
$29
Over The Limit Penalty
$42.5
Return Penalty
Rewards Aeroplan
1.5 pts
for every $1 you spend on eligible gas, electric vehicle charging, groceries and with Air Canada directly, including through Air Canada Vacations®
1 pt
for every $1 you spend on all other purchases.
2x
Earn points twice at over 150 Aeroplan partners and more than 170 online retailers through the Aeroplan eStore.
Insurance Benefits
$1,000
Mobile device insurance amount
$5,000,000
Emergency medical insurance amount
$2,500
Hotel burglary insurance
$65,000
Rental car insurance amount
Join and get up to $1,100 in value in your first year!â€
Get a total of up to 40,000 Aeroplan points (up to $800 in travel value†):
10,000 Aeroplan points when you make your first purchase†.
10,000 Aeroplan points when you spend $5,000 or more during the first 4 monthly statements periods†.
20,000 Aeroplan points as an additional anniversary bonus when you have at least $10,000 in net purchases posted on your account during the first 12 monthly statement periods†.
Enjoy a free first checked bag: a $140 value for 2 travellers for each round-trip flight, assuming you take one round-trip Air Canada flight in the first year†.
Plus, get a one-time annual fee rebate ($139) for you (the primary cardholder) and up to three authorized users ($50 each): up to $189 value†.
Our Take
The CIBC Aeroplan® Visa Infinite* Card is a travel rewards credit card tailored for frequent Air Canada travelers, offering elevated Aeroplan point accumulation on eligible gas, grocery and direct Air Canada purchases. Cardholders benefit from perks such as a free first checked bag on Air Canada flights, access to exclusive Visa Infinite offers, and comprehensive travel insurance.
Eligibility
Very Good (671 - 739)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
-
Earn up to 40,000 bonus Aeroplan points in the first year
-
Earn up to 1.5 Aeroplan points on purchases
-
Free checked bags on Air Canada flights
-
Special pricing on Aeroplan flight rewards
-
Includes travel insurance
Cons
-
High income requirement of either $60,000 personal or $100,000 household
-
Rewards go furthest when redeeming for Air Canada flights, so that can limit your travel options
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
25.99%
Penalty
Fees
$139
Annual Fee
$2.5
Foreign Transaction
5.00%
Balance Transfer
$5
Cash Advance
$29
Over The Limit Penalty
$42.5
Return Penalty
Rewards Aeroplan
1.5 pts
for every $1 you spend on eligible gas, electric vehicle charging, groceries and with Air Canada directly, including through Air Canada Vacations®
1 pt
for every $1 you spend on all other purchases.
2x
Earn points twice at over 150 Aeroplan partners and more than 170 online retailers through the Aeroplan eStore.
Insurance Benefits
$1,000
Mobile device insurance amount
$5,000,000
Emergency medical insurance amount
$2,500
Hotel burglary insurance
$65,000
Rental car insurance amount
Join and get up to $1,100 in value in your first year!â€
Get a total of up to 40,000 Aeroplan points (up to $800 in travel value†):
10,000 Aeroplan points when you make your first purchase†.
10,000 Aeroplan points when you spend $5,000 or more during the first 4 monthly statements periods†.
20,000 Aeroplan points as an additional anniversary bonus when you have at least $10,000 in net purchases posted on your account during the first 12 monthly statement periods†.
Enjoy a free first checked bag: a $140 value for 2 travellers for each round-trip flight, assuming you take one round-trip Air Canada flight in the first year†.
Plus, get a one-time annual fee rebate ($139) for you (the primary cardholder) and up to three authorized users ($50 each): up to $189 value†.
†Terms and Conditions Apply. This offer is not available for residents of Quebec.
The information for the CIBC Aeroplan® Visa Infinite* Card has been collected independently by Money.ca. The card details on this page have not been reviewed or provided by the card issuer.
up to $1,300* value
Welcome Bonus
$926
First Year Value
$0
Annual Value
Welcome Bonus: Earn up to $1,300* in value in the first 12 months, including up to 40,000 bonus Scene+ points*. Expires Jul 01, 2025
Get this card if you...
-
travel often and want premium travel perks like lounge access
-
want to avoid paying foreign exchange fees
-
appreciate a good welcome offer
Annual Fee & Annual Interest Rates
$150
Annual Fee
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The Scotiabank Passport® Visa Infinite* Card is a travel rewards credit card offering elevated Scene+ points on eligible grocery store purchases, dining, entertainment, and daily transit, with a standard earn rate on all other purchases. Cardholders benefit from no foreign transaction fees, six complimentary airport lounge visits per year through the Visa Airport Companion Program, and comprehensive travel insurance.
Eligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
-
No FX fees means the card saves you significant expenses on foreign transaction fees
-
Earn up to 3x Scene+ points per $1 spent on eligible purchases
-
Flexible and straightforward redemption program
-
Visa acceptance globally compared to American Express, especially outside major cities
-
Enjoy six annual visits to airport lounges
-
Robust insurance offerings, including extended travel emergency medical coverage
-
Access to Visa Infinite Program benefits, with added advantages like a free supplementary card
Cons
-
High annual fee
-
Limited rewards categories for earning reward max rate on purchases
-
Primarily best for travel within Canada
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$150
Annual Fee
$0
Foreign Transaction
5.00%
Balance Transfer
$5
Cash Advance
Rewards Scene+
3x
Scene+ points¹ on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more
2x
Scene+ points¹ for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including ride shares, buses, subways, taxis and more)
4x
Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
1x
Scene+ point for every $1 spent on all other eligible everyday purchases
Insurance Benefits
$2,000,000
Emergency medical insurance amount
$3
Emergency medical insurance over 65 days
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$65,000
Rental car insurance amount
Earn up to $1,300 in value in the first 12 months, including up to 40,000 bonus Scene+ points*.
Potential First Year Value = up to $1,345 |
Our Take
The Scotiabank Passport® Visa Infinite* Card is a travel rewards credit card offering elevated Scene+ points on eligible grocery store purchases, dining, entertainment, and daily transit, with a standard earn rate on all other purchases. Cardholders benefit from no foreign transaction fees, six complimentary airport lounge visits per year through the Visa Airport Companion Program, and comprehensive travel insurance.
Eligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
-
No FX fees means the card saves you significant expenses on foreign transaction fees
-
Earn up to 3x Scene+ points per $1 spent on eligible purchases
-
Flexible and straightforward redemption program
-
Visa acceptance globally compared to American Express, especially outside major cities
-
Enjoy six annual visits to airport lounges
-
Robust insurance offerings, including extended travel emergency medical coverage
-
Access to Visa Infinite Program benefits, with added advantages like a free supplementary card
Cons
-
High annual fee
-
Limited rewards categories for earning reward max rate on purchases
-
Primarily best for travel within Canada
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$150
Annual Fee
$0
Foreign Transaction
5.00%
Balance Transfer
$5
Cash Advance
Rewards Scene+
3x
Scene+ points¹ on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more
2x
Scene+ points¹ for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including ride shares, buses, subways, taxis and more)
4x
Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
1x
Scene+ point for every $1 spent on all other eligible everyday purchases
Insurance Benefits
$2,000,000
Emergency medical insurance amount
$3
Emergency medical insurance over 65 days
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$65,000
Rental car insurance amount
Earn up to $1,300 in value in the first 12 months, including up to 40,000 bonus Scene+ points*.
Potential First Year Value = up to $1,345 |
Rates, fees and other information are effective as of January 3, 2025. Subject to change.
Rates, fees and other information are effective as of January 3, 2025. Subject to change.
Conditions Apply. Visit here for the Scotiabank Passport® Visa Infinite* Card to learn more.
*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.
up to 55,000 points
Welcome Bonus
$236
First Year Value
$0
Annual Value
Welcome Bonus: Get up to 55,000 Avion points* (a value of up to $1,100†). Expires Jun 03, 2025
Get this card if you...
-
want to earn Avion points on everyday purchases
-
value a generous welcome offer
-
need comprehensive travel insurance benefits
Annual Fee & Annual Interest Rates
$120
Annual Fee
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The RBC Avion Visa Infinite Card is a flexible travel rewards credit card that allows cardholders to earn Avion points on everyday purchases, with additional benefits such as comprehensive travel insurance and access to exclusive events. It is well-suited for frequent travelers seeking a versatile rewards program and value-added perks.
Eligibility
Very Good (671 - 739)
Recommended Credit Score
$60,000
Required Annual Personal Income
Pros
-
Rewards program is highly flexible, transferable, and includes a slew of non-travel-related reward options
-
Partnerships with other retailers like HBC and Petro-Canada
-
Provides excellent travel insurance
-
New cardholders earn up to 55,000 welcome Avion points on approval*
-
Solid option for looking for a travel-centric points program
Cons
-
The points-to-dollars ratio is only average and there are few opportunities for accelerated earning.
-
The $120 annual fee isn’t cheap
-
High annual income requirement: Personal: $60,000 or Household: $100,000
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$120
Annual Fee
$2.5
Foreign Transaction
5.00%
Balance Transfer
Rewards Avion Elite
1
Earn 1 Avion point for every dollar you spend*.
25%
extra Avion points on eligible travel purchases
$1,500
mobile device insurance
3¢/L
savings on fuel at Petro-Canada and always earn 20% more Avion points
50
Be Well points for every $1 spent on eligible products at Rexall
20%
off at Hertz and earn 3x the Avion points
$0
delivery fees for 12 months from DoorDash
Insurance Benefits
$1,500
Mobile device insurance amount
$3
Emergency medical insurance over 65 days
$500,000
Travel accident insurance amount
$2,500
Hotel burglary insurance
$65,000
Rental car insurance amount
Get up to 55,000 Avion points* (a value of up to $1,100†), that’s enough to fly anywhere in North America or the Caribbean!
Get 35,000 Welcome Points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months*. Apply by June 3, 2025.
Our Take
The RBC Avion Visa Infinite Card is a flexible travel rewards credit card that allows cardholders to earn Avion points on everyday purchases, with additional benefits such as comprehensive travel insurance and access to exclusive events. It is well-suited for frequent travelers seeking a versatile rewards program and value-added perks.
Eligibility
Very Good (671 - 739)
Recommended Credit Score
$60,000
Required Annual Personal Income
Pros
-
Rewards program is highly flexible, transferable, and includes a slew of non-travel-related reward options
-
Partnerships with other retailers like HBC and Petro-Canada
-
Provides excellent travel insurance
-
New cardholders earn up to 55,000 welcome Avion points on approval*
-
Solid option for looking for a travel-centric points program
Cons
-
The points-to-dollars ratio is only average and there are few opportunities for accelerated earning.
-
The $120 annual fee isn’t cheap
-
High annual income requirement: Personal: $60,000 or Household: $100,000
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$120
Annual Fee
$2.5
Foreign Transaction
5.00%
Balance Transfer
Rewards Avion Elite
1
Earn 1 Avion point for every dollar you spend*.
25%
extra Avion points on eligible travel purchases
$1,500
mobile device insurance
3¢/L
savings on fuel at Petro-Canada and always earn 20% more Avion points
50
Be Well points for every $1 spent on eligible products at Rexall
20%
off at Hertz and earn 3x the Avion points
$0
delivery fees for 12 months from DoorDash
Insurance Benefits
$1,500
Mobile device insurance amount
$3
Emergency medical insurance over 65 days
$500,000
Travel accident insurance amount
$2,500
Hotel burglary insurance
$65,000
Rental car insurance amount
Get up to 55,000 Avion points* (a value of up to $1,100†), that’s enough to fly anywhere in North America or the Caribbean!
Get 35,000 Welcome Points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months*. Apply by June 3, 2025.
Refer to RBC page for up to date offer terms and conditions.
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up to 60,000 points
Welcome Bonus
$762.4
First Year Value
$192.4
Annual Value
Welcome Bonus: Get up to 60,000 points worth $400 in travel rewards, a $50 lifestyle credit and the $120 annual fee waived in the first year - that's a $570 value in your first anniversary.* Expires Jun 01, 2025
Get this card if you...
-
want to maximize rewards on everyday spending
-
want travel insurance and exclusive Visa Infinite perks
-
value a generous welcome offer
Annual Fee & Annual Interest Rates
$120
Annual Fee
21.99%
Purchase
23.99%
Cash Advance
23.99%
Balance Transfer
Our Take
The BMO eclipse Visa Infinite* Card is a rewards credit card designed for individuals who frequently spend on categories such as groceries, dining, gas, and transit. It offers flexible redemption options through the BMO Rewards program and includes additional benefits like a lifestyle credit and various insurance coverages.
Eligibility
Very Good (671 - 739)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
-
Excellent welcome offer: Get up to 60,000 points and a $50 lifestyle credit
-
Good earn rate in top spending categories
-
First year annual fee waiver* (Value: $120)
-
Includes new mobile device insurance: Up to $1,000 in coverage**
-
Annual $50 lifestyle credit to spend however you like*
-
Includes comprehensive travel insurance
-
Access to exclusive Visa Infinite benefits
Cons
-
High minimum annual income: Minimum $60,000 (individual) or $100,000 (household)
-
Insurance doesn't include trip cancellation coverage
Annual Interest Rates
21.99%
Purchase
23.99%
Cash Advance
23.99%
Balance Transfer
Fees
$120
Annual Fee
Rewards BMO Rewards
5x
Earn 5x the points for every $1 spent on groceries, gas, dining in and out and transit.*
10%
Earn 10% more points when you add an authorized user to your account.*
$50
Get a $50 annual lifestyle credit to spend however you want*
Insurance Benefits
$1,000
Mobile device insurance amount
$500,000
Travel accident insurance amount
$65,000
Rental car insurance amount
Get up to 60,000 points worth $400 in travel rewards, a $50 lifestyle credit and the $120 annual fee waived in the first year - that's a $570 value in your first anniversary!*
30,000 points when you spend $3,000 in the first 3 months, and 2,500 points for each subsequent month in which you make at least $2,000 in purchases on your card, for 12 months.
Our Take
The BMO eclipse Visa Infinite* Card is a rewards credit card designed for individuals who frequently spend on categories such as groceries, dining, gas, and transit. It offers flexible redemption options through the BMO Rewards program and includes additional benefits like a lifestyle credit and various insurance coverages.
Eligibility
Very Good (671 - 739)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
-
Excellent welcome offer: Get up to 60,000 points and a $50 lifestyle credit
-
Good earn rate in top spending categories
-
First year annual fee waiver* (Value: $120)
-
Includes new mobile device insurance: Up to $1,000 in coverage**
-
Annual $50 lifestyle credit to spend however you like*
-
Includes comprehensive travel insurance
-
Access to exclusive Visa Infinite benefits
Cons
-
High minimum annual income: Minimum $60,000 (individual) or $100,000 (household)
-
Insurance doesn't include trip cancellation coverage
Annual Interest Rates
21.99%
Purchase
23.99%
Cash Advance
23.99%
Balance Transfer
Fees
$120
Annual Fee
Rewards BMO Rewards
5x
Earn 5x the points for every $1 spent on groceries, gas, dining in and out and transit.*
10%
Earn 10% more points when you add an authorized user to your account.*
$50
Get a $50 annual lifestyle credit to spend however you want*
Insurance Benefits
$1,000
Mobile device insurance amount
$500,000
Travel accident insurance amount
$65,000
Rental car insurance amount
Get up to 60,000 points worth $400 in travel rewards, a $50 lifestyle credit and the $120 annual fee waived in the first year - that's a $570 value in your first anniversary!*
30,000 points when you spend $3,000 in the first 3 months, and 2,500 points for each subsequent month in which you make at least $2,000 in purchases on your card, for 12 months.
*Terms and conditions apply.
Final Word
If you’re in the financial position to apply for a Visa Infinite credit card, you’ll enjoy a long list of benefits pertaining especially to dining out and frequent travel. If you find yourself constantly booking flights or hotels, and if you eat out several times per week, it would benefit you to take advantage of the myriad benefits these cards offer. You’re spending the money regardless, so why not enjoy some exclusive perks in exchange for those dollars you’re spending?
To get the most out of the steep annual fees for either of these two credit cards, you do want to be sure that you’re travelling or dining out often enough to compensate for the splurge. If you find yourself frequently booking flights or making dinner reservations, many of the Visa Infinite cards could make a great addition to your wallet, and you’ll more than makeup for the annual fees with the perks you’ll receive in return.
Visa Infinite FAQ
Caitlin is a skilled freelance writer with an extensive background in finance writing for a number of finance blogs such as MoneyWizard.ca. Her works can also been seen in American Profile, DeSoto Magazine, MotorHome Magazine, German-Life, and many others.
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†Terms and Conditions apply.