Visa Infinite Cards: Your Guide to Exclusive Benefits and Premium Perks
Key takeaways
- Visa Infinite is the highest tier for credit cards within the Visa payment network.
- Visa Infinite cards come with premium travel benefits like lounge access, hotel upgrades and strong travel insurance protections, depending on the specific issuer.
- Purchases made on Visa Infinite credit cards are protected with extended warranties, price coverage and cellphone insurance.
Visa Infinite credit cards offer the highest-tier benefits across the Visa network, with premium perks such as complimentary travel upgrades, purchase protections and luxury benefits.
However, Visa Infinite cards are relatively exclusive, typically available for high-end consumers with good to excellent credit who are willing to pay annual fees of $400 or more.
This guide explains the core benefits you can expect with Visa Infinite credit cards. Specific benefits vary between individual card issuers, so make sure you read the fine print in your card benefits guide.
What is Visa Infinite?
Visa Infinite is a type of Visa credit card reserved for the most premium credit cards, which offers the best available perks provided by Visa. Only a handful of Visa Infinite cards are currently available in the United States.
Note that card issuers decide which features are available to cardholders, so benefits vary from card to card. Therefore, it’s always best to confirm with a bank whether or not a particular perk you’re interested in is available on the Visa Infinite card you’re considering.
How do I know which cards are Visa Infinite?
Visa Infinite benefits
On top of your bank-issued benefits, Visa Infinite comes with a long list of services and protections that can help you when you’re shopping or traveling. Note that your card issuer determines which benefits to include, so you’ll want to read your card’s fine print to verify your benefits.
Visa Infinite travel benefits
Visa Infinite cards have a dedicated concierge service. You can call Visa Infinite Concierge services for 24/7 personalized assistance on travel planning, dinner reservations, tickets for events and experiences, gifts and floral delivery and more.
Visa Infinite cardholders can book hotels at visainfinitehotels.com. Depending on the hotel, you can get perks like:
- Best available rate guarantee
- Automatic room upgrade upon arrival, when available
- Complimentary in-room Wi-Fi, when available
- Complimentary continental breakfast
- $25 USD food or beverage credit
- VIP Guest status
- 3 p.m. check-out upon request, when available
Your Visa Infinite card offers complimentary Priority Pass lounge membership, giving you access to over 1,700 airport lounges worldwide.
By booking your car rental with Avis, Hertz or National on demand, you’ll enjoy potential perks and VIP amenities like rental discounts or free weekend night benefits.
You’ll receive reimbursement for air travel fees, including checked baggage charges, in-flight purchases, accelerated airport security and more. The card issuer sets the statement credit amount.
By paying with your Visa Infinite card, you can receive up to $120 reimbursement when applying for Global Entry (which also grants you TSA PreCheck®). Many card issuers also extend this credit to your TSA PreCheck® application.
Visa Infinite travel protections
When paying for your eligible car rental with your Visa Signature card, you’ll receive built-in car rental insurance protecting you from theft, physical damage, reasonable and customary towing and loss-of-use charges. You’ll just need to be sure your name is listed as the primary renter on the contract and that any additional drivers are listed.
If you pay for your nonrefundable trip with your Visa Infinite card and unexpected circumstances cause your plans to be canceled or interrupted, you can receive reimbursement for your passenger fare. The terms of coverage vary from card to card, so make sure you check your specific card benefits before booking your travel.
If you pay for a trip with your Visa Infinite card and it’s delayed by more than six hours — or requires an overnight stay — you can receive up to $500 per purchased ticket to cover reasonable expenses. This coverage is supplementary to any travel insurance you’ve purchased.
If you pay for a passenger ticket on a common carrier (an airline, for example) and your checked or carry-on luggage is lost or stolen, you can receive up to $3,000 per covered trip in reimbursement.
If you are missing your checked bag for more than four hours, some Visa Infinite cards offer baggage delay reimbursement. You’ll get reimbursed for necessities up to $300, so your trip can get started while you wait for your bag to arrive.
In case of a roadside emergency, you can access 24/7 roadside assistance services that can provide towing, jump-starting and more. But while there’s no cost to access this benefit, you’ll be financially responsible for any services rendered.
If you’re facing an emergency when traveling, you have access to 24/7 travel and emergency assistance services that can refer you to medical, legal and other resources. There is no cost to access this benefit, though you will be financially responsible for any services rendered.
When you use your Visa Infinite card to pay for your flight, you will get travel accident insurance for you, your spouse and dependent children. You can be reimbursed for accidental loss of life, limb, sight, speech or hearing during your trip, up to a specified amount.
Some Visa Infinite cards come with emergency evacuation, which means that you’ll have transportation to the closest medical facility for treatment if you become sick or injured during travel. You’ll be covered up to $10,000.
Hotel theft protection will cover any personal belongings that are stolen from your hotel room in the U.S. or Canada. This benefit is only offered with some Visa Infinite cards, so you’ll want to check your credit card terms to see if this is included.
Visa Infinite purchase and security benefits
Use your Visa Infinite card to pay your monthly cellphone bill for protection over the following calendar month. Coverage varies depending on the card issuer and requires paying a $50 deductible.
When purchasing eligible items on your Visa Infinite card, purchase security will offer a replacement, repair or reimbursement of items that are stolen or damaged up to 90 days after purchase.
When purchasing eligible items that come with a U.S. manufacturer’s warranty (under three years or less) with your Visa Infinite card, enjoy an additional year of coverage with the extended warranty benefit.
When purchasing eligible items that come with a U.S. manufacturer’s warranty (under three years or less) with your Visa Infinite card, enjoy an additional year of coverage with the extended warranty benefit.
If you come across a print advertisement featuring an item you purchased with your Visa Infinite card at a lower price, you can be reimbursed the difference. Only some Visa Infinite cards come with this additional benefit, so you’ll want to check with your card issuer.
If you don’t recognize charges on your Visa Infinite card, you won’t be financially responsible in the event of fraud.
In the event that your card is lost or stolen, Visa can work with your bank to make sure a replacement is shipped to you within 24 to 72 hours.
If you are in an emergency situation and need cash to use immediately, Visa can arrange a wire transfer to your local wire transfer location within two hours of approval from your bank.
Visa Infinite experiences and lifestyle benefits
Unlock primetime reservations at popular restaurants in select cities by adding your U.S. and Mexico Visa Infinite, or Canada Visa Infinite Privilege® cards to your OpenTable account.
With your Visa Infinite card, you’ll get one free ticket per show with the purchase of one or more tickets to a Sofar show. Plus, you’ll also get unlimited access to an exclusive seven-day advance presale.
Enter your Visa Infinite card number to join Troon Golf Rewards and enjoy premium benefits at over 150 golf courses worldwide, offering discounts on golf fees and merchandise.
Enjoy BOGO tastings, discounts and preferred pricing when visiting more than 50 Visa Signature wineries in Sonoma Wine Country.
Explore a wide range of music, food and drink that appeal to your love of travel with special offers and exclusive access to experiences that reflect your interests.
Get benefits like ticket discounts and complimentary food items at Universal Studios Hollywood and Universal Orlando Resort when you pay with your Visa Infinite card.
Visa Infinite vs. Visa Signature
There aren’t that many differences between the benefits you’ll get with Visa Infinite vs. Visa Signature. Benefits for each card type are ultimately decided at the issuer level. For example, when Chase issues a credit card with the Visa Infinite or Visa Signature branding, the issuer decides which of the standard Visa perks will be passed on to cardholders, and may add on its own benefits. Thus, a Chase Visa Infinite card may have substantially better benefits than a Chase Visa Signature card. Still, Visa Signature cards can provide a whole suite of premium benefits.
The main difference between Visa Infinite and Visa Signature cards is the luxury hotel collection and concierge services, as you can see from the chart below. You may also come across more Visa Signature cards since they’re much more common in the U.S. than Visa Infinite cards.
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Visa Signature vs. Visa Infinite benefits
Benefit Visa Signature Visa Infinite Emergency card services Extended warranty Price protection Purchase protection Concierge services Visa Infinite concierge services Visa Luxury Hotel collection Global Entry/TSA PreCheck® credit Rental car insurance Baggage insurance Travel insurance Airport lounge access Travel statement credits Depends on the card Luxury hotel collection 8th premium benefit Car rental privileges As you can see from the list above, both sets of cards offer many of the same benefits. But Visa Infinite benefits are usually more generous than Visa Signature perks: higher trip cancellation coverage limits, better rental car protection, and access to luxury hotel perks like room upgrades and late checkout. Visa Infinite cards may also offer higher credit limits and more exclusive travel and concierge services than Vids Signature cards.
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Visa Infinite vs. Visa Signature Hotel Collection
Benefit Visa Signature Hotel Collection Visa Infinite Luxury Hotel Collection Book on visasignaturehotels.com Best available rate guarantee Room upgrade at check-in $25 food and beverage credit per room, per stay Daily continental breakfast for you and one guest VIP guest status (amenities differ by property) Complimentary in-room Wi-Fi 3 p.m. late checkout upon request Choice of an eighth benefit (at 200 eligible properties): An additional $75 food and beverage credit or $100 spa credit or $100 golf credit or $100 room rate credit -
Visa Infinite vs. Visa Signature concierge services
Visa Infinite has its own concierge service. Although there appears to be no difference between the types of concierge services offered to Visa Infinite and Visa Signature cardholders, there are two different phone numbers. One number is dedicated to Visa Signature cardholders and another is for Visa Infinite cardholders.
Visa Signature Concierge Service Visa Infinite Concierge Service Contact 800-953-7392 800-587-2700 Benefits - Available 24/7
- Offers dining, travel, entertainment or other personal assistance services
- Available 24/7
- Offers dining, travel, entertainment or other personal assistance services
Best Visa Infinite cards
Only a handful of Visa Infinite cards exist. Because Infinite cards feature luxury benefits, they have high annual fees and are geared toward high-net-worth individuals who travel often.
Cards like the Chase Sapphire Reserve® and Capital One Venture X Rewards Credit Card are fan favorites because of their laundry-list approach to luxury travel perks.
Other Visa Infinite Cards, like the UBS Visa Infinite Credit Card and Bank of America® Premium Rewards® Elite Credit Card, may appeal to current customers of those banks who want access to premium credit card benefits.
| Credit Cards | Our Ratings | Annual Fee | Rewards Rate | Welcome Offer | |
|---|---|---|---|---|---|
Chase Sapphire Reserve®*
|
$795 | 1X - 8X points
| 125,000 points
Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
| ||
Capital One Venture X Rewards Credit Card
|
$395 | 2X - 10X miles
| 75,000 miles
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
| ||
Bank of America® Premium Rewards® Elite Credit Card*
|
$550 | 1.5X - 2X points
| 75,000 points
75,000 online bonus points — a $750 value — after you make at least $5,000 in purchases in the first 90 days of account opening
| ||
The New United Club℠ Card*
|
$695 | 1X - 4X miles
| 80,000 miles
Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
| ||
UBS Visa Infinite Credit Card*
|
$650 | 1X -3X points
| N/A |
How to get a Visa Infinite card
Applying for a Visa Infinite credit card is no different than applying for another credit card.
- Make sure you meet the card issuer’s requirements to qualify for card approval.
- Compare the cards listed above, their benefits and their annual fees to find the one that fits your needs best.
- Once you’ve chosen a card, you can apply directly through the card issuer’s website.
Alternatives to Visa Infinite cards
For those wanting many of the benefits of a Visa Infinite card without the steep annual fee, Visa Signature cards are a great alternative. As you can see from the table above, many Visa Signature credit cards offer comparable benefits for travelers who don’t hit the road often enough to make Visa Infinite annual fees worth the financial investment.
| Credit Cards | Our Ratings | Annual Fee | Rewards Rate | Welcome Offer | |
|---|---|---|---|---|---|
Chase Sapphire Preferred® Card
|
$95 | 1X - 5X points
| 75,000 points
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
| ||
Chase Freedom Unlimited®
|
$0 | 1.5% - 5% cash back
| $200 cash back
Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
| ||
Ink Business Preferred® Credit Card*
|
$95 | 1X - 3X points
| 90,000 points
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
| ||
Ink Business Cash® Credit Card
|
$0 | 1% - 5% cash back
| $750 cash back
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
| ||
Marriott Bonvoy Bountiful credit card*
|
$250 | 2X - 10X points
| 85,000 points
85,000 Bonus Points after you spend $4,000 in purchases in your first 3 months from your account opening.
| ||
World of Hyatt Credit Card*
|
$95 | 1X - 9X points
| 2 Free Night Awards
Earn 2 free nights at any Category 1–4 Hyatt hotel or resort after you spend $4,000 on purchases in the first 3 months from the account opening. Plus, 25,000 Bonus Points after you spend $12,000 on purchases in the first 6 months from account opening.
| ||
Wells Fargo Active Cash® Card*
|
$0 | 2% cash rewards on purchases
Earn unlimited 2% cash rewards on purchases
| $200 cash rewards
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
| ||
Wells Fargo Autograph® Card*
|
$0 | 1X - 3X points
| 20,000 points
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
|
Is Visa Infinite worth it?
The ideal Visa Infinite cardholder has excellent credit, a higher income and a lifestyle that includes regular travel, dining or luxury spending.
Visa Infinite cards can be worth the investment for frequent travelers, as well as high spenders who will use the premium perks. Benefits like luxury hotel upgrades, Priority Pass lounge access and enhanced travel insurance can easily offset the high annual fee if you take advantage of most or all perks each year.
But if you rarely travel and can’t take advantage of most Visa Infinite benefits, consider getting a lower-fee Visa Signature credit card that still offers good value at a lower price point.
Frequently asked questions
Most Visa Infinite credit cards typically have a minimum credit limit requirement of $10,000, although this benchmark can vary across cards and issuers.
Some issuers allow you to transfer credit limit from other credit cards to meet this requirement if needed — for example, some Chase cardholders have been allowed to transfer credit from a different credit card to the Chase Sapphire Reserve® in order to meet the $10,000 credit limit requirement. This move is helpful when Chase will not grant you sufficient additional credit to qualify for a Visa Infinite credit card, but you have sufficient credit across other Chase cards to transfer to your new card.
Visa Infinite Concierge Services offers 24/7 personal assistance with administrative tasks like booking travel and restaurant reservations or scoring tickets for concerts, shows and live entertainment.
You can get Visa Infinite credit cards from U.S. issuers, including Chase (Chase Sapphire Reserve®) and Capital One (Capital One Venture X Rewards Credit Card). Qualified applicants with excellent credit have the best chance of being approved for these premium cards.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
The information related to the Chase Sapphire Reserve®, UBS Visa Infinite Credit Card, Bank of America® Premium Rewards® Elite Credit Card, The New United Club℠ Card, Ink Business Preferred® Credit Card, Marriott Bonvoy Bountiful credit card, World of Hyatt Credit Card, Wells Fargo Active Cash® Card and Wells Fargo Autograph® Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
