Visa Infinite cards offer a plethora of benefits and can cost upwards of $400 per year in annual fees, which will make you wonder if they are worth the cost. If so, what makes them stand out among other Visa credit cards?
The highest level of credit card in the Visa network, Visa Infinite cards offer more benefits than Visa Signature and Visa Traditional cards. There are only a few Visa Infinite cards in the U.S., as they’re typically the most exclusive cards and offer the most exclusive and luxurious benefits.
Our guide explains all of the Visa Infinite benefits, but the card issuing banks determine which benefits are included with their particular card. You should double-check with your bank to see what your Visa Infinite card includes.
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.
Currently, there are only a handful of Visa Infinite cards available in the United States.
Note that card issuers can control which features are available to cardholders. 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?
You can recognize a Visa Infinite card by the logo on the lower right corner of the card.
Is Visa Infinite worth it?
Visa Infinite credit cards come with added benefits beyond the card’s primary perks. However, these cards also carry a premium annual fee, making them more expensive than many other popular rewards credit cards.
Ultimately, Visa Infinite cards are only worth it if you plan to take full advantage of the added perks or travel enough that having added protections makes sense. You can find similar benefits with other credit cards. Visa Signature credit cards like the Chase Sapphire Preferred® Card may offer similar benefits for a lesser price tag.
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 travel protections
Visa Infinite purchase and security benefits
Visa Infinite experiences and lifestyle benefits
Before using any of these perks, make sure to read the fine print to understand any restrictions or limitations.
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, they decide which of the standard Visa perks will be passed on to cardholders, and may add on their own benefits. As such, 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
BenefitVisa SignatureVisa InfiniteEmergency 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 Luxury hotel collection added benefit Car rental privileges While Visa Infinite offers a supposedly superior hotel collection, the Visa Infinite hotel collection really has one advantage over the Visa Signature hotel collection: an additional statement credit, only valid at over 200 properties that are part of the Visa Hotel Collection.
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Visa Infinite vs. Visa Signature Hotel Collection
BenefitVisa Signature Hotel Collection Visa Infinite Luxury Hotel CollectionBook 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 8th 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. At face value, there appears to be no difference between the types of services offered. However, there are two different phone numbers — one dedicated to Visa Signature cardholders and another for Visa Infinite cardholders.
Visa Signature Concierge ServiceVisa Infinite Concierge ServiceContact 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 all have high annual fees and are geared toward high-net-worth individuals who travel often.
Cards like 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 UBS Visa Infinite Credit Card, U.S. Bank Altitude™ Reserve Visa Infinite® 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.
We’ve surveyed cards on LendingTree, as well as on top issuer sites, to bring you the list of best Visa Infinite cards.
How to get a Visa Infinite card
Getting a Visa Infinite credit card is no different than getting other credit cards.
- Make sure you meet the card issuer’s requirements to qualify for card approval.
- Compare the cards listed above, their benefits, and 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.
As premium credit cards, Visa Infinite cards are typically reserved for individuals with good to excellent credit. It’s always a good idea to check your credit score before applying for a card to better understand whether you fall within the issuer’s credit requirement range. Credit card companies perform a hard credit inquiry to assess an applicant’s creditworthiness during the application process. A hard credit inquiry can cause your credit score to drop temporarily.
Visa Infinite requirements vary between issuers and cards, so some may be easier to qualify for than others. But while these cards offer desirable benefits, applying is only a good idea if you think you’ll qualify for a card.
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.