Visa Infinite: Benefits & Cards – Forbes Advisor

Lisa Maloney
Lisa Maloney

Lisa Maloney

Lisa Maloney is an award-winning author and former stringer for the Wall Street Journal. She has extensive experience as a consumer reporter, leveraging careful research and reporting to help readers make smart purchases and sound financial decisions.


Dylan Pearl
Dylan Pearl

Dylan Pearl

Over a decade of editorial experience across a number of publications and visiting more than 60 countries have given Dylan Pearl a wealth of travel knowledge, and the tools to effectively communicate that knowledge to others. Dylan has made it his mission to see as much of the world as possible, and strives to give everyone the tools to get out and do the same with simple, actionable information.

Published: Aug 9, 2023, 9:00am

Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors’ opinions or evaluations.

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What Is Visa Infinite?

Visa Infinite represents the highest level of benefits possible for a Visa-labeled credit card. There are three benefit tiers in total: Traditional is the starter level with Signature in the middle, and Infinite at the top.

Those tier levels don’t represent a finite limit—pun intended—on the benefits you’ll receive. Instead, they’re more like a starting point because some credit card issuers may throw in a few optional extras or not offer every single benefit.

How Do I Know if I Have a Visa Infinite Credit Card?

If you have a Visa Infinite or Visa Signature card, it will almost always say so on the credit card itself. If your Visa card doesn’t say Infinite or Signature on it, it’s most likely a Traditional card. You can confirm which level of benefits you have by scanning through your credit card agreement.

What Are the Benefits of a Visa Infinite Credit Card?

You can expect the following standard benefits from a Visa Infinite credit card, although to receive those benefits in relation to any given purchase, that purchase must have been made with your Visa Infinite card. Offers vary, so be sure to check your card’s guide to benefits.

Purchase Benefits

  • Zero liability protection: You won’t be held responsible for fraudulent or unauthorized charges made with your Visa card.
  • Purchase security: If an eligible item is stolen or damaged within 90 days of purchase, Purchase Security will repair or replace the item.
  • Extended warranty protection: Get an extra year of warranty protection for eligible purchases, if their original manufacturer’s warranty is three years or fewer.
  • Return protection: If you’re dissatisfied with a purchase within 90 days but the merchant won’t accept a return, Return Protection has you covered—although some limits and exclusions do apply.

Emergency Assistance:

  • Travel and emergency assistance services: Access a 24-hour, multilingual call center to help coordinate emergency assistance, anywhere in the world.
  • Roadside dispatch: This service isn’t free—you’ll pay a set price per service call—but the phone dispatchers will stay on the line with you while they arrange for help from a reputable locksmith or tow truck driver.
  • Emergency card replacement: Visa will work with the issuing bank to dispatch a replacement card to you within 24 to 72 hours.
  • Emergency cash disbursement: Get cash wired to your local Western Union within 2 hours of approval from your bank.

Travel Benefits

  • Trip cancellation/trip interruption reimbursement: If your trip is canceled or interrupted, get reimbursed for the non-refundable portion of a plane, train, ferry, cruise or bus travel fare.
  • Lost luggage reimbursement: Get reimbursed for the value of luggage that was lost or stolen while traveling on an airline.
  • Trip delay reimbursement: Up to $500 in reimbursement if you’re delayed for at least 6 hours by a covered reason.
  • Auto rental collision damage waiver: Coverage for damage, theft, and reasonable towing and loss-of-use charges when renting a car.
  • Travel accident insurance: $500,000 of accidental death and dismemberment coverage for ticketed travel such as on a plane, train, ferry or bus.

Exclusive Perks

  • Free or discounted memberships: Get complimentary or discounted membership periods for services like Shipt, Sofar, Skillshare and more.
  • Global Entry statement credit: Pay for Global Entry membership with your Visa Infinite card and get a $100 statement credit.
  • VIP privileges at car rental and hotel chains: Get discounts, added perks and VIP benefits at participating rental car and hotel properties.
  • Visa Infinite concierge service: Get 24/7 access to a live, high-touch personal assistant to help you arrange travel, restaurant reservations, event tickets and more.

Additional Benefits for Some Cards

Although the aforementioned benefits come standard on all Visa Infinite cards, the bank that issues your credit card may choose to offer additional benefits, such as the following:

  • PriorityPass lounge membership: Access to more than 1,300 airline lounges around the world.
  • Airline incidentals statement credit: Reimbursement for miscellaneous fees related to air travel, such as checked luggage fees and accelerated airport security.
  • Visa Infinite Experiences: Exclusive access to curated food, drink, music and travel events.
  • Cellphone protection: Reimbursement for a lost or stolen phone, with a $50 deductible.
  • Hotel theft protection: Reimbursement for personal belongings stolen from your room.
  • Emergency medical/dental: Supplementary coverage for up to $2,500 in emergency medical or dental costs incurred while traveling.
  • Emergency evacuation: If you are sick or injured, get up to $10,000 for emergency transport to the nearest medical facility.
  • Price protection: If you buy something that appears in a print advertisement for a lower cost, get reimbursed for the difference in price.
  • Baggage delay reimbursement: Even if your luggage isn’t totally lost, if it’s delayed for more than four hours you can be reimbursed for up to $300 worth of necessities.

Notable Visa Infinite Cards

The following are examples of notable Visa Infinite credit cards. They all have a few things in common, namely hefty annual fees that are counterbalanced by equally hefty perks, impressive welcome bonuses and a focus on travel benefits. In most cases the value of those annual perks will more than offset the cost of the annual fee—but only if you actually make use of said perks.

United Club℠ Infinite Card

  • Annual fee: $525
  • Welcome offer: 80,000 bonus miles and 1,000 Premier qualifying points after spending $5,000 on purchases in the first 3 months from account opening.
  • Rewards: 4 miles per dollar on United® purchases, 2 miles per dollar on all other travel, on dining including eligible delivery services and 1 mile per dollar on all other purchases
  • Notable perks: United Club membership (up to $650 value per year); $100 credit for Global Entry, TSA PreCheck or NEXUS fees.

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

  • Annual fee: $400
  • Welcome offer: 50,000 points after spending $4,500 in the first 90 days of account opening.
  • Rewards: 5 points per dollar on prepaid hotels and car rentals booked directly in the Altitude Rewards Center, 3 points per dollar on eligible travel purchases and mobile wallet spending and 1 point per dollar on all other eligible net purchases
  • Notable perks: Up to $325 in annual credits; complimentary PriorityPass Select membership (4 free individual visits and 4 free guest visits per year).

Capital One Venture X Rewards Credit Card

  • Annual fee: $395
  • Welcome offer: 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening.
  • Rewards: 2 miles per dollar on all eligible purchases, 5 miles per dollar on flights booked through Capital One Travel and 10 miles per dollar on hotels and rental cars when booking via Capital One Travel
  • Notable perks: 10,000-mile anniversary bonus (worth $100 in travel); $300 annual travel credit; $100 statement credit for Global Entry or TSA PreCheck.

Chase Sapphire Reserve®

  • Annual fee: $550
  • Welcome offer: 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening.
  • Rewards: 5 points per dollar on flights and 10 points per dollar on hotels and car rentals when purchasing travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3 points per dollar on other travel and dining and 1 point per dollar spent on all other purchases
  • Notable perks: $300 annual travel credit; 50% more value on accumulated points for travel purchases; PriorityPass Select membership; $100 credit for Global Entry, TSA PreCheck or NEXUS fees.

UBS Visa Infinite Credit Card*

  • Annual fee: $495
  • Welcome offer: This card does not offer a welcome bonus.
  • Rewards: 3 points per dollar for commercial air travel, 2 points per dollar for gas and groceries and 1 point per dollar for all other eligible purchases
  • Notable perks: $500 annual credit after $25,000 spend in previous calendar year; $250 credit for qualifying air travel expenses; PriorityPass Select membership; $100 credit for Global Entry or TSA Precheck fee.

How To Get a Visa Infinite Card

High-benefit credit cards come with high credit requirements. In this case, you’ll need excellent credit to qualify for any of the Visa Infinite credit cards already mentioned. But even if your credit isn’t excellent right now, don’t give up: Anything you can do to work toward—or maintain—great credit will help you toward that goal.

Some of the key ingredients for building excellent credit include consistently paying all your bills on time, keeping your credit utilization at or below 30% of your total credit limit, only applying for credit you really need, and using credit over time to demonstrate your consistency. You should also fact-check your credit reports and dispute any errors to make sure they are corrected.

Find the Best Credit Cards for 2023

No single credit card is the best option for every family, every purchase or every budget. We’ve picked the best credit cards in a way designed to be the most helpful to the widest variety of readers.

Bottom Line

Visa Infinite cards offer top shelf benefits for those who can qualify. But if you are in the market for a premium credit card, take an extra moment to check the benefits being offered. While there are standard offerings across all Infinite cards, there may be card-specific benefits not commonly found. No matter what card you chose though, you can be sure that your Visa Infinite card will give you the best benefits in the game.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

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Lisa Maloney

Lisa Maloney is an award-winning author and former stringer for the Wall Street Journal. She has extensive experience as a consumer reporter, leveraging careful research and reporting to help readers make smart purchases and sound financial decisions.

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