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.
Visa Infinite is a type of Visa credit card reserved for the most premium credit cards.
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.
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. The Chase Sapphire Preferred® Card and other Visa Signature credit cards offer plenty of value, similar to Visa Infinite cards, at a lesser price tag.
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 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:
Your Visa Infinite card offers complimentary 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.
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 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.
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 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
| Benefit | Visa Signature | Visa Infinite |
|---|---|---|
| Emergency card services | ✓ | ✓ |
| Extended warranty | ✓ | ✓ |
| Price protection | ✓ | ✓ |
| Purchase protection | ✓ | ✓ |
| Concierge services | ✓ | Visa Infinite concierge sercvices |
| Visa Luxury Hotel collection | ✓ | ✓ |
| Global Entry/TAS 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.
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 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 for Visa Signature cardholders and another for Visa Infinite cardholders.
Contact: 800-953-7392
Benefits:
Contact: 877-670-0905
Benefits:
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 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 , 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.
| Credit Cards | Our Ratings | Welcome Offer | Rewards Rate | Annual Fee | |
|---|---|---|---|---|---|
Chase Sapphire Reserve®
 Apply Now
on Chase's secure site |
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. | Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases. | $550 |
Apply Now
on Chase's secure site |
|
U.S. Bank Altitude™ Reserve Visa Infinite® Card*
Learn More
on U.S. Bank's secure site |
50,000 points when you spend $4,500 in the first 90 days of account opening. | Earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center, 3X points on eligible travel purchases and mobile wallet spending on Apple Pay®, Google Pay™ and Samsung Pay; 1X point on all other eligible purchases | $400 |
Learn More
on U.S. Bank's secure site |
|
Bank of America® Premium Rewards® Elite Credit Card*
Review Coming Soon
|
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 | Unlimited 2 points for every $1 spent on travel and dining purchases, and unlimited 1.5 points for every $1 spent on all other purchases | $550 | Review Coming Soon |
Getting a Visa Infinite credit card is no different than getting other credit cards.
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.
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 Chase Sapphire Reserve®, the Capital One Venture X Rewards Credit Card and the UBS Visa Infinite Credit Card 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.
For Capital One products listed on this page, some of the above benefits are provided by third parties such as Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as certain terms, conditions, and exclusions apply.
The information related to the Bank of America® Premium Rewards® Elite Credit Card, U.S. Bank Altitude™ Reserve Visa Infinite® Card and UBS Visa Infinite Credit Card has been 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.
