Visa Infinite: What Is It? How Is It Different From Other Credit Cards?
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While you're plunking down the hefty annual fee for a luxury credit card, you may have noticed the Visa Infinite logo in the corner and may be wondering what the deal is with Visa Infinite. Visa Infinite is the highest level of Visa-branded credit cards, above Visa Signature and Visa Traditional. There are only a few Visa Infinite cards in the U.S., as they're typically only the most high-end credit cards offering the best benefits of any card on the Visa network.
Visa Infinite cards come with a few additional perks over the Visa Signature tier, such as Visa Infinite Concierge and the Visa Infinite hotel collection. However, depending on your card issuer, you may find that the difference between the Visa Signature and Visa Infinite tiers is minor, and you'll find many of the same benefits on both tiers.
In fact, most card features are often controlled by the issuer so the perks you get with Visa Infinite can vary with each card. While we'll go over everything Visa Infinite has to offer in this guide, you should always double check with the bank to see what benefits are actually included.
What is Visa Infinite?
Visa Infinite is a type of Visa credit card reserved for the most premium credit cards.
You can recognize a Visa Infinite card by the logo on the lower right corner of a card.
Currently, there are only a handful of Visa Infinite cards available in the United States. Again, 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.
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 make sense. You can find similar benefits with other credit cards. Chase Sapphire Preferred and other Visa Signature credit cards offer plenty of value, similar to Visa Infinite cards, at 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 some of these benefits may overlap with your card issuer, so you'll want to read your specific credit card's fine print to determine the best point of contact.
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 and more.
Visa Infinite cardholders can book hotels at visainfinitehotels.com. Depending on the hotel, you can get perks like:
- Best rate guarantee
- Automatic room upgrade upon arrival
- Complimentary Wi-Fi
- Complimentary daily breakfast
- $25 food or beverage credit
- VIP guest status
- Late check out
- $75 to $100 on-property credit
Your Visa Infinite card offers complimentary - Free or Discounted Membership"]Priority Pass™ lounge membership, giving you access to over 1,300 airport lounges worldwide.
By booking your car rental with Avis, Hertz, National or Silvercar, you'll enjoy potential perks like rental discounts or free weekend night benefits.
You'll receive reimbursement for air travel fees including checked baggage charges, in-flight purchases and more. The card issuer sets the statement credit amount.
By paying with your Visa Infinite card, you can receive up to $100 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 primary car rental insurance protecting you from theft or damage.
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 up to $2,000 per insured person.
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 (such as an airline) and your checked or carry-on luggage is lost or stolen, you can receive up to $3,000 per covered trip in reimbursement.
In case of a roadside emergency, you can access 24/7 roadside assistance services that can provide towing, jump starting and more. While there is no cost to access this benefit, you will 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. While there is no cost to access this benefit, you will be financially responsible for any services rendered.
Visa Infinite purchase and security benefits
Visa Infinite cards now come with a free Shipt membership (enrollment required) until Dec. 31 2024. Shipt is a premium delivery service for groceries and other household essentials from popular retailers. Cardholders can enjoy delivery on Shipt orders of $35 or more.
Use your Visa Infinite card to pay your monthly cell phone 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 on your Visa Infinite card, you can receive reimbursement if your merchant does not accept a return within 90 days of purchase.
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.
If you don't recognize charges on your Visa Infinite card, you won't be financially responsible in the event of fraud.
Visa Infinite Experiences
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.
Before using any of these perks, be sure you read the fine print to understand any restrictions or limitations.
Visa Infinite vs. Visa Signature
Visa Signature cards are much more common than Visa Infinite in the U.S. After taking a closer look, there aren't many discernible differences between the two tiers, as Visa Signature cards still 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 this chart:
Visa Signature vs. Visa Infinite benefits
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 |
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.
Visa Infinite vs. Visa Signature Hotel Collection
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 8th benefit (at 200 eligible properties):
|
Visa Infinite vs. Visa Signature concierge services
Visa Infinite has its own conAt face value, there appears to be no difference between the types of services offered. However, there are two different phone numbers — one dedicated for Visa Signature cardholders and another for Visa Infinite cardholders.
Visa Signature Concierge Service
Contact: 800-953-7392
Benefit:
- Available 24/7
- Offers dining, travel, entertainment or other personal assistance services
Visa Infinite Concierge Service
Contact: 877-670-0905
Benefit:
- Available 24/7
- Offers dining, travel, entertainment or other personal assistance services
There's not much difference between Visa Infinite and Visa Signature benefits. However, all benefits 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. So, a Chase Visa Infinite card may have substantially better benefits than a Chase Visa Signature card. Ultimately, the quality of the benefits depends on each card.
Best Visa Infinite cards
Only a handful of Visa Infinite cards exist. Because Infinite cards feature luxury benefits, they all feature high annual fees and are geared towards high net-worth individuals who travel often.
Cards like [data-lightrail id="1129"]{name}[/data-lightrail] and [data-lightrail id="2240"]{name}[/data-lightrail] are fan favorites because of their laundry-list approach to luxury travel perks. Other Visa Infinite Cards like [data-lightrail id="1507"]{name}[/data-lightrail], [data-lightrail id="2057"]{name}[/data-lightrail] and [data-lightrail id="2277"]{name}[/data-lightrail] may appeal to current customers of those banks who want access to premium credit card benefits. We've surveyed cards on ValuePenguin as well as on top issuer sites to bring you the list of best Visa Infinite cards:
Card | Sign-up bonus | Rewards | Annual fee |
|---|---|---|---|
| [affiliate-lightrail id="1129" view="banner" /] [data-lightrail id="1129"]{name}[/data-lightrail] | [data-lightrail id="1129"]{signUpBonus}[/data-lightrail] | [data-lightrail id="1129"]{rewardsRateDesc}[/data-lightrail] | [data-lightrail id="1129"]{fee.annual.text}[/data-lightrail] |
| [affiliate-lightrail id="2240" view="banner" /] [data-lightrail id="2240"]{name}[/data-lightrail] | [data-lightrail id="2240"]{signUpBonus}[/data-lightrail] | [data-lightrail id="2240"]{rewardsRateDesc}[/data-lightrail] | [data-lightrail id="2240"]{fee.annual.text}[/data-lightrail] |
| [affiliate-lightrail id="1507" view="banner" /] [data-lightrail id="1507"]{name}[/data-lightrail] | N/A | [data-lightrail id="1507"]{rewardsRateDesc}[/data-lightrail] | [data-lightrail id="1507"]{fee.annual.text}[/data-lightrail] |
| [affiliate-lightrail id="2057" view="banner" /] [data-lightrail id="2057"]{name}[/data-lightrail] | [data-lightrail id="2057"]{signUpBonus}[/data-lightrail] | [data-lightrail id="2057"]{rewardsRateDesc}[/data-lightrail] | [data-lightrail id="2057"]{fee.annual.text}[/data-lightrail] |
| [affiliate-lightrail id="2277" view="banner" /] [data-lightrail id="2277"]{name}[/data-lightrail] | [data-lightrail id="2277"]{signUpBonus}[/data-lightrail] | [data-lightrail id="2277"]{rewardsRateDesc}[/data-lightrail] | [data-lightrail id="2277"]{fee.annual.text}[/data-lightrail] |
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 understand better 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. While these cards offer desirable benefits, applying is only a good idea if you think you’ll qualify for a card.
Frequently asked questions
Visa Infinite is the top line of Visa-branded cards, above Visa Signature and Visa Traditional. They offer the best available perks provided by Visa.
There are only a handful of Visa Infinite cards currently available. Card issuers offering Visa Infinite cards include Chase, Capital One, Bank of America, U.S. Bank and UBS.
Although there aren't many Visa Infinite cards in the U.S., the [data-lightrail id="1129"]{name}[/data-lightrail], the [data-lightrail id="2240"]{name}[/data-lightrail] and the [data-lightrail id="1507"]{name}[/data-lightrail] are some examples of Visa Infinite options.
There is no set credit limit on Visa Infinite credit cards. Card issuers assign credit limits to cardholders based on their creditworthiness and other factors.
You must apply for a credit card that is Visa Infinite-branded. These cards tend to be premium cards with high annual fees.
Yes, Visa Infinite cards typically include trip cancellation, interruption and delay insurance. However, it's best to check your specific card's benefits guide to glance over any limitations or restrictions.
Visa Infinite concierge service is a 24/7 personalized assistance line that can help you with many services, including travel planning, restaurant reservations and more. To reach Visa Infinite Concierge Services, call 877-670-0905.
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How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.
Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).