Top 11 Visa Infinite Benefits & Best Visa Infinite Cards [2021]

Room with view

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When you select a credit card that carries the Visa logo, you know the card will have wide acceptance throughout the world. And while acceptance is important, you’ll also enjoy access to a Visa benefits package that comes with being a cardholder.

Today, we’re going to look closely at those benefits, specifically focusing on the highest tier level of Visa benefits, Visa Infinite.

We’ll also share some excellent examples of Visa Infinite cards, break down the benefits you can expect to receive, and suggest some alternative options for cards that shine at striking a balance between the annual fee and benefits offered.

Before we talk about Visa Infinite, let’s look at how the levels of Visa benefits work, and where you might find the associated benefits.

Visa Level Benefits

While our primary focus today is on Visa Infinite benefits, there are actually several levels of Visa benefits. The foundation of Visa network benefits is the Traditional Visa benefit level. Visa Signature benefits are next and are a step above Traditional Visa benefits. The highest level, which we’ll cover shortly, is Visa Infinite.

Traditional Visa benefits include basic features such as emergency card replacement, emergency cash, zero liability, lost or stolen card reporting, ID navigator, card inquiry services, and roadside dispatch.

Both Visa Signature and Visa Infinite benefit levels include these benefits plus much more. Let’s look at the next level above the Traditional Visa benefits — Visa Signature — and which cards may include these benefits.

Visa Signature BenefitsMay Be Found on These Cards
  • Traditional Visa
  • Visa Signature
  • Visa Infinite
  • Visa Signature
  • Visa Infinite

Bottom Line: There are 3 levels of Visa benefits — Traditional Visa, Visa Signature, and Visa Infinite. While some benefits are duplicated in more than 1 level, you may find enhancements or broader coverage with a higher level benefit. For example, you may receive car rental insurance on a Traditional Visa card that is secondary while on a Visa Infinite card, this coverage may be primary. 

Visa Benefits vs. Card Issuer Benefits

In addition to Traditional Visa benefits, Visa Signature, and Visa Infinite benefits, a card issuer will choose to add its own level of benefits. An example of this would be the Visa Infinite Global Entry statement credit benefit. A card issuer may add the choice of receiving reimbursement for the TSA PreCheck fee.

The collection of Visa benefits is simply a menu from which the card issuer can select the benefits it wishes to include on any given card. You could receive a combination of any level of Visa benefits plus any additional card issuer benefits.

This combining of benefits allows a card issuer to build a unique benefits package for each card in order to fit its targeted market for that card.

The Top 11 Visa Infinite Benefits

Pine Cliffs Hotel, a Luxury Collection Resort Algarve
Visa Infinite benefits are the top tier of the 3 Visa level benefits. Pine Cliffs Hotel, a Luxury Collection Resort, Algarve. Image Credit: Marriott

We’ll cover some examples of the best Visa Infinite cards shortly and dive deeper into the benefit details. First, let’s look at some of the top Visa Infinite benefits you can expect to find on Visa Infinite cards, not necessarily in the order of value (which can vary depending on the cardholder).

Additional Visa Infinite Benefits

Enjoy these additional premium benefits that are included on Visa Infinite cards:

  • Visa Infinite Concierge Services — Receive 24/7 personalized service for making travel, entertainment, and dining arrangements and for referrals.
  • Car Rental Privileges — Enjoy discounts, upgrades, and other privileges with Hertz, Avis, National, and Silvercar.
  • Fine Wine and Food — Receive exclusive access, discounts, and benefits at 50 Sonoma wineries.
  • Golf Rewards — The Visa Infinite Troon Golf Benefit provides premium benefits at 115 golf courses.
  • Travel and Emergency Assistance Services — Receive assistance 24/7 when traveling to obtain medical/legal referrals, translation services, help arranging emergency transportation, and more. Cardholders are responsible for the actual services received.

Bottom Line: Not every Visa Infinite card will have all of the available Visa Infinite benefits. Most cards will have a combination of Traditional Visa benefits, Visa Signature benefits, and Visa Infinite benefits. The card issuer will select which Visa benefits it wants to include on a specific card then add its own card-issuer benefits. 

Finding the Best Visa Infinite Cards

There are not many choices when it comes to Visa Infinite cards, but we have some fine examples. Here are just a few that are representative of what you can expect from a Visa Infinite card:

Chase Sapphire Reserve® Card

The Chase Sapphire Reserve card is 1 of the best examples of a Visa Infinite card as it checks nearly every box when it comes to Visa Infinite benefits. You’ll start with a credit limit of $10,000 or higher, then enjoy this long list of benefits:

Primary Car Rental Insurance

Reserve and pay for your rental car with your card, decline the rental agency’s collision or loss damage waiver (CDW or LDW) coverage, and receive coverage for theft, damage, and loss of use. The coverage you receive from your card is primary coverage which means that you do not have to file a claim with any other applicable insurance first.

Visa Infinite Luxury Hotel Collection

Book your hotel room directly via Visa Infinite Hotels and receive a long list of exclusive cardholder benefits on property.

  • Upgraded room on arrival when available
  • Complimentary in-room Wi-Fi
  • Complimentary continental breakfast for you and 1 guest
  • $25 food or beverage credit per stay
  • VIP Guest services and amenities that differ by property
  • Late checkout when requested, if available
  • An additional room, spa, food/beverage, or golf credit (up to $100); varies by property

Worldwide Lounge Access via Priority Pass Select Membership

With over 1,200 properties, Priority Pass offers cardholders access to airport lounges, restaurant experiences, and Minute Suites throughout the world.

Global Entry/TSA PreCheck Statement Credit

Charge your Global Entry application or renewal fee to your card and receive a statement credit. You could alternatively choose to receive reimbursement for a TSA PreCheck fee. The maximum reimbursement is $100 every 4 years.

$300 Travel Statement Credit

The Chase Sapphire Reserve card goes a step beyond the more restrictive Visa Infinite benefit for an airline incidentals statement credit and offers the statement credit for travel purchases. Chase also has a broad definition of what constitutes a travel purchase so the credit is easy to utilize.

Trip Cancellation, Interruption, and Trip Delay

Receive up to $10,000 per trip per person, $20,000 per incident, up to a maximum of $40,000 per 12-month period for covered events. If your trip is delayed more than 6 hours, or overnight, you could receive up to $100 per day, up to a maximum of 5 days ($500).

Learn more about the travel insurance benefits on the Chase Sapphire Reserve card here.

Baggage Insurance

Once again, the Chase Sapphire Reserve card offers coverage beyond the Visa Infinite lost baggage benefit. Baggage insurance on the card offers up to $3,000 per person, per trip, for lost or stolen luggage, and up to $500 for baggage that is delayed 6 hours or more.

Shopping Protections

Eligible items purchased with the Chase Sapphire Reserve card receive the following protection coverages:

  • Extended Warranty — Manufacturer’s warranties of 3 years or less are extended 1 additional year. There is a maximum of $10,000 per claim, $50,000 per account.
  • Purchase Protection — Theft, damage, and accidental parting are covered on eligible items for 120 days from the purchase date, up to $10,000 per item, $50,000 per account.
  • Return Protection — If the merchant will not accept a return within 90 days of the purchase date, you could receive up to $500 per item, up to $1,000 per year.

Roadside Dispatch

The Visa Infinite roadside dispatch benefit offers roadside assistance for 1 low pre-determined flat fee. The Chase Sapphire Reserve card does not charge a fee for roadside assistance for up to 4 service calls each year. There is a maximum $50 benefit per service call.

Bottom Line: The Chase Sapphire Reserve card is 1 of the best examples of a Visa Infinite card as it offers all of the top Visa Infinite benefits plus several additional benefits and protections. 

UBS Visa Infinite Credit Card

Priority Pass 2 passengers conversing at a lounge
Priority Pass Select membership, a Visa Infinite benefit, can give you access to airport lounges, Minute Suites, and dining credits. Image Credit: Priority Pass

The UBS Visa Infinite card is designed for high-net-worth individuals and is available via a UBS financial advisor.

We would need to write an entire article to begin to cover all of the benefits you’d find on the UBS Visa Infinite card as the Guide to Benefits alone is 120 pages in length. We won’t overwhelm you with details, but we will offer this summary of the long list of benefits you’ll find on the card:

Air Travel

  • $250 airline fee statement credit
  • $500 dining and airport club credit
  • Worldwide lounge access via Priority Pass Select membership
  • Global Entry/TSA PreCheck fee reimbursement up to $100
  • 12 single-use passes for inflight Wi-Fi
  • Access, discounts, benefits, and incentives with private aviation charter services
  • Access to ground transport, meet and greet, and luggage delivery services
  • Lost and delayed baggage insurance

Hotel and Car Rental

  • Visa Infinite Luxury Hotel Collection benefits
  • Benefits at 7 additional luxury hotel collections
  • Discounts and benefits at 6 major car rental programs

Travel Insurance and Protections

  • Primary car rental insurance
  • Trip cancellation, interruption, and delay
  • Emergency evacuation, transportation, and repatriation of remains
  • Roadside dispatch (up to 4 $50 service calls each year)
  • Travel accident insurance

Shopping Benefits and Protections

  • Purchase security
  • Price protection
  • Return protection
  • Event ticket protection
  • Warranty manager service

The UBS Visa Infinite card has a $495 annual fee but comes with other tangible benefits such as a flexible rewards program, unlimited ATM fee waivers of up to $10 each, and no foreign transaction fees.

U.S. Bank Altitude™ Reserve Visa Infinite® Card

The U.S. Bank Altitude Reserve card is available to U.S. Bank customers. The card comes with a $400 annual fee but offers a considerable collection of benefits.

Here is a summary of the benefits you’ll find on the card:

  • Up to $325 in statement credits for travel and dining purchases
  • Worldwide lounge access via Priority Pass Select membership
  • 12 single-use in-flight Wi-Fi passes
  • Global Entry/TSA PreCheck fee reimbursement up to $100
  • Hotel benefits at Relais & Chateaux and Visa Infinite Luxury Hotel Collection properties
  • Primary car rental insurance
  • Trip cancellation, interruption, and delay coverage
  • Travel accident insurance
  • Lost luggage reimbursement
  • Emergency evacuation, repatriation of remains
  • Purchase protection, return protection, and extended warranty
  • Silvercar benefits and discounts
  • Visa Infinite Concierge

The U.S. Bank Altitude Reserve card offers a generous welcome bonus worth up to $750 in travel, 5x earnings on qualifying prepaid travel via the U.S. Bank travel center, and 3x points on mobile wallet purchases.

We’ve listed a summary of key benefits, but you can access a complete list with terms and conditions in the card’s Guide to Benefits.

Alternatives to a Visa Infinite Card

Castillo Hotel Son Vida, a Luxury Collection Hotel, Mallorca
Visa Signature cardholders also have access to benefits in the Visa Luxury Hotel Collection. Castillo Hotel Son Vida, Mallorca. Image Credit: Marriott

While a Visa Infinite card may be packed with premium benefits, you’ll generally pay a higher annual fee to receive those benefits. If you’ll use most of those benefits, the fee is normally more than offset. However, there are Visa Signature cards that may offer a lower annual fee with enough benefits to justify strong consideration over Visa Infinite cards.

Let’s look at a few cards that offer a nice balance of benefits with a lower annual fee.

Chase Sapphire Preferred® Card

One of our favorite cards, the Chase Sapphire Preferred card offers a jumpstart to your earnings with an excellent welcome bonus. The card earns flexible, and therefore valuable, Ultimate Rewards points that are worth 25% more when redeemed for travel via the Chase travel portal or potentially even greater value when transferred to airline/hotel partners.

We also like that the card charges just a $95 annual fee yet comes with travel insurance benefits such as primary car rental insurance, trip cancellation, trip interruption, and trip delay coverage. You’ll also find shopping protections such as purchase protection and extended warranty.

Capital One Venture Rewards Card

If you’re looking for simplicity in a rewards-earning card, the CapOne Venture card could be your match. You’ll earn unlimited double miles on every purchase you make, have your choice of flexible redemption options, and enjoy a collection of useful benefits.

If you own a business, regardless of size, you might also consider these Visa Signature business cards.

Ink Business Preferred® Credit Card

Credit CardKey Benefits & Info
Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card
Learn More
(at Chase's secure site)
  • Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months.
  • Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year
  • Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn
  • 25% more value when redeeming points through Ultimate Rewards® travel
  • Good to Excellent Credit Recommended (670-850)
  • Annual Fee: $95


Must Reads: For more info on the Ink Business Preferred, see our guides on its benefits, 7 things to do as a new cardholder, and our full review. This is our favorite Chase business credit card.

One of our favorite business rewards cards, the Ink Business Preferred card is an earning powerhouse. A generous welcome bonus, bonus category earnings on select business purchases, and the opportunity to redeem points for 25% greater value or transfer to travel partners for even greater potential value, make this card a winner for any size business.

Ink Business Cash® Credit Card

With no annual fee, a generous welcome bonus, and up to 5% cash-back on common business purchases, the Ink Business Cash card could be a fit for any business. And since you’re not paying an annual fee, benefits such as primary car rental insurance (for business use in your country of residence), travel insurance, and purchase protection can be useful additions.

For a comparison between these 2 popular business cards, you’ll want to access our related article.

Final Thoughts

While Visa Infinite benefits are great, benefits have no value unless you can use them. The best Visa level card for you will have a benefits package that provides bottom-line value to you personally.

Plus, benefits aren’t the only value proposition to consider when determining the best card for your situation. You’ll want to be sure your particular spending mix is earning the highest rewards possible and the card has a redemption option that fits your objectives. Finally, you’ll want to be comfortable with the annual fee you’ll be paying compared to the level of benefits you’ll use.

If you’ll use enough of the Visa Infinite level benefits, you can certainly justify the higher annual fee you may have to pay. However, Visa Signature cards may be more widely available and still offer a competitive benefits package, rewards earning potential, and likely a lower annual fee.

The information regarding the UBS Visa Infinite Credit Card, U.S. Bank Altitude™ Reserve Visa Infinite® Card, and Capital One Venture Rewards Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 

Frequently asked questions

Is a Visa Infinite card worth it?

Yes. Visa Infinite benefits are some of the best available. If you will use these benefits such as lounge access, statement credits, access to luxury hotel programs, and roadside assistance, you could receive value far beyond the annual fee.

Which is the best Visa Infinite card?

Visa Infinite cards all have similar benefits, so the best card for you will be the 1 that offers the most useful benefits for your situation. It may be more important, however, that the rewards structure matches your spending mix, you can redeem rewards for things for which you find value, and that the annual fee is one you’re willing to pay.

With that having been said, the Chase Sapphire Reserve card is one of the best examples of a Visa Infinite card, but there are others to consider.

What is the Visa Infinite credit limit?

While there is no stated maximum limit, Visa Infinite cards are issued with a credit limit of at least $10,000 or more.

What credit score do I need for a Visa Infinite card?

You will generally need an excellent credit score to be approved for a Visa Infinite card. According to the credit rating agency Equifax, an excellent credit score is one that is 800 or above.

In addition to an excellent credit score, some financial institutions that issue Visa Infinite cards may require you to be a customer.

Which is better, Visa Signature or Visa Infinite?

Visa Infinite cards include benefits that may not be offered on Visa Signature cards. These additional benefits can include worldwide lounge access via Priority Pass Select membership, airline incidental fee reimbursement, and a higher credit limit.

Visa Infinite cards may also come with some of the same benefits that are offered on Visa Signature cards but have higher coverage limits, or broader coverage definitions, on the Visa Infinite card.

Christine Krzyszton

About Christine Krzyszton

Christine, who lives in Northern Michigan, travels about 300,000 miles a year despite her remote location. Her expertise is traveling the world on a weekend with no pre-determined destination in mind, letting the cost of the airfare determine where she will go. She has over four million flown miles and elite status on all three major domestic carriers.

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  1. Under “Visa Level Benefits,” your link to the Luxury Collection is to Marriott’s Luxury Collection. Guessing that’s a typo.


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