Edited by: Keri Stooksbury
& Kellie Jez
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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.
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 levels include these benefits plus much more. Let’s look at what Visa Signature entails and which cards may include these benefits.
|Visa Signature Benefits||May Be Found on These Cards|
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 is the Visa Infinite Global Entry statement credit. A card issuer may add the choice of receiving reimbursement for the TSA PreCheck fee, too.
The collection of Visa benefits is simply a menu from which the card issuer can select what 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 target market.
We’ll cover some examples of the best Visa Infinite cards shortly and dive deeper into the benefit details. However, 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).
Enjoy these additional premium benefits that are included on 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:
A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options out there.
The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options. Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.
Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!
The Chase Sapphire Reserve card is one 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 and then you’ll enjoy a long list of benefits and protections.
We like that the card earns well on travel purchases via the Chase travel portal but also offers 3x earnings on dining and travel purchases outside the portal. At redemption time, you’ll be able to redeem your Ultimate Rewards points for 1.5 cents each towards travel via the portal or transfer to Chase airline and hotel partners for even greater potential value.
Here’s a sampling of some of the best benefits offered by the card:
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. You receive primary coverage which means that you do not have to file a claim with any other applicable insurance first.
Book your hotel room directly via Visa Infinite Hotels and receive a long list of exclusive cardholder on-property benefits:
Hot Tip: You can also use your Chase Sapphire Reserve card to book through a similarly named program called The Luxury Hotel & Resort Collection to receive extra benefits at over 1,000 hotels, resorts, lodges, and spas worldwide.
With over 1,300 locations, Priority Pass offers cardholders access to airport lounges, restaurant experiences, and Minute Suites throughout the world.
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 or NEXUS fee. The maximum reimbursement is up to $100 every 4 years.
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.
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.
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.
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.
Eligible items purchased with the Chase Sapphire Reserve card receive the following protection coverages:
The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.
Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.
Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.
Another premium travel rewards card market is the Capital One Venture X card, also a Visa Infinite card. In addition to a generous welcome bonus, you’ll enjoy elevated earnings on Capital One Travel purchases, travel statement credits, premium travel benefits, and more.
You’ll be earning well on select Capital One Travel purchases and the card earns a flat 2x miles on every other purchase you make. You also have the option to use your miles to purchase travel via Capital One Travel or transfer miles to airline and hotel partners where it is possible to receive even greater value.
Here are some of the best additional features and benefits of the Capital One Venture X card:
Hot Tip: To learn more about how these 2 Visa Infinite cards compare, you’ll find our article on the Capital One Venture X card vs. the Chase Sapphire Reserve card informative.
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:
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.
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:
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.
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 offset and then some. 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.
A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
The Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.
Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.
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. In addition, the card comes with 10% annual bonus points and a $50 annual credit on hotel stays booked through the Chase travel portal.
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. Cardmembers will also get access to perks such as complimentary breakfast, activities and spa credits, room upgrades, and late check-in/checkout when booking through Chase’s The Luxury Hotel & Resort Collection.
Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
As a frequent traveler with excellent credit, you’re always on the lookout for a credit card that comes with all the bells and whistles. And the easier it is to understand, the better!
The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great sign-up bonus, high rewards rates, and flexible redemption options.
If you’re looking for simplicity in a rewards-earning card, the Capital One Venture card could be a 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.
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
The Ink Business Preferred® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.
Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.
Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.
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 businesses of any size.
This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
The Ink Business Cash® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.
When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter, you could be adding big value back into your business for no cost out of pocket.
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.
Hot Tip: Read our comparison between these 2 popular Ink Business cards for more information!
While Visa Infinite benefits are great, they 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 factor 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 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 and U.S. Bank Altitude™ Reserve Visa Infinite® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Venture Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
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 any annual fee you’ll pay.
Visa Infinite cards all have similar benefits, so the best card for you will be the one that offers the most useful benefits for your situation. It may be more important, however, that the rewards structure matches your spending mix, that you can redeem rewards for things for which you find value, and that the annual fee is one you’re willing to pay.
Having said that, the Chase Sapphire Reserve card and Capital One Venture X card are some of the best examples of Visa Infinite cards, though there are others to consider.
While there is no stated maximum limit, Visa Infinite cards are issued with a credit limit of at least $10,000.
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.
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 than the Visa Signature card.
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