PREMIUM TIER Updated May 2026

Visa Infinite

Premium benefits, higher earn rates, and exclusive Infinite privileges.

CREDIT CARD
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Compare Top Visa Infinite Cards

Comparing results based on your preferences.

Smart Filter
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$
Annual Fee $150
Purchase 20.99%
Cash Adv. 22.99%
Scotiabank Scotiabank
Best For [ Travel Rewards ] [ Premium ]
Scotiabank Passport Visa Infinite Card
Est. 1st Yr Value: $1674
Scene+
Welcome Bonus: Earn up to 60,000 bonus Scene+ points with minimum spend.
Highlights: No Foreign Transaction Fees Airport Lounge Access Travel Medical Insurance Car Rental Collision/Loss Damage Waiver +6 more
View Offer
ELIGIBILITY
Personal Inc: $60,000
Household Inc: $100,000
Purchase APR 20.99%
Cash Advance APR 22.99%
Annual Fee $150
Foreign Tx Fee 2.5%
Personal Income $60,000
Household Income $100,000
Credit Score Good/Excellent
Add. Card Fee $50.00
Annual Fee
$139 $0
1st yr Fee Waived
Purchase 21.99%
Cash Adv. 22.99%
TD Canada Trust TD Canada Trust
Best For [ Travel Rewards ] [ Rewards ]
TD First Class Travel Visa Infinite Card
Est. 1st Yr Value: $1657
1st Yr Free
TD Rewards
Welcome Bonus: Earn up to 165,000 TD Rewards Points + First-year fee waived.
Highlights: Airport Lounge Access Travel Medical Insurance First-Year Fee Waived Mobile Device Insurance +6 more
View Offer
ELIGIBILITY
Personal Inc: $60,000
Household Inc: $100,000
Purchase APR 21.99%
Cash Advance APR 22.99%
Annual Fee $139
Foreign Tx Fee 2.5%
Personal Income $60,000
Household Income $100,000
Credit Score Good/Excellent
Add. Card Fee $50.00
Annual Fee
$139 $0
1st yr Fee Waived
Purchase 21.99%
Cash Adv. 22.99%
TD Canada Trust TD Canada Trust
Best For [ Travel Rewards ] [ Rewards ]
TD Aeroplan Visa Infinite Card
Est. 1st Yr Value: $1532
1st Yr Free
Aeroplan
Welcome Bonus: Earn up to 45,000 Aeroplan points + First-year fee waived.
Highlights: Travel Medical Insurance First-Year Fee Waived Free Checked bag Mobile Device Insurance +6 more
View Offer
ELIGIBILITY
Personal Inc: $60,000
Household Inc: $100,000
Purchase APR 21.99%
Cash Advance APR 22.99%
Annual Fee $139
Foreign Tx Fee 2.5%
Personal Income $60,000
Household Income $100,000
Credit Score Good/Excellent
Add. Card Fee $75.00
Annual Fee $120
Purchase 20.99%
Cash Adv. 22.99%
RBC Royal Bank RBC Royal Bank
Best For [ Travel Rewards ] [ Rewards ]
RBC Avion Visa Infinite
Est. 1st Yr Value: $1205
Avion Rewards
Welcome Bonus: Get up to 55,000 Avion points (max travel value of $1,100), that’s up to 3 round trip flights Exp: Jun 15, 2026
Highlights: Airport Lounge Access Travel Medical Insurance First-Year Fee Waived Mobile Device Insurance +6 more
View Offer
ELIGIBILITY
Personal Inc: $60,000
Household Inc: $100,000
Purchase APR 20.99%
Cash Advance APR 22.99%
Annual Fee $120
Foreign Tx Fee 2.5%
Personal Income $60,000
Household Income $100,000
Credit Score Good/Excellent
Add. Card Fee $50.00
Annual Fee
$120 $0
1st yr Fee Waived
Purchase 21.99%
Cash Adv. 23.99%
BMO Bank of Montreal BMO Bank of Montreal
Best For [ Travel Rewards ] [ Premium ] [ Rewards ]
BMO eclipse Visa Infinite Card
Est. 1st Yr Value: $1142
1st Yr Free
Welcome Bonus: Up to $1,150 in value including up to 70,000 Bonus points, monthly streaming credit, $50 anniversary credit
Highlights: Travel Medical Insurance First-Year Fee Waived Mobile Device Insurance Car Rental Collision/Loss Damage Waiver +5 more
View Offer
ELIGIBILITY
Personal Inc: $60,000
Household Inc: $100,000
Purchase APR 21.99%
Cash Advance APR 23.99%
Annual Fee $120
Foreign Tx Fee 2.5%
Personal Income $60,000
Household Income $100,000
Credit Score Good/Excellent
Annual Fee $139
Purchase 21.99%
Cash Adv. 22.99%
CIBC CIBC
Best For [ Travel Rewards ] [ Premium ]
CIBC Aeroplan Visa Infinite Card
Est. 1st Yr Value: $982
Aeroplan
Welcome Bonus: Apply and earn up to $1,300 in value, which includes up to 50,000 Aeroplan points
Highlights: Travel Medical Insurance First-Year Fee Waived Mobile Device Insurance Car Rental Collision/Loss Damage Waiver +6 more
View Offer
ELIGIBILITY
Personal Inc: $60,000
Household Inc: $100,000
Purchase APR 21.99%
Cash Advance APR 22.99%
Annual Fee $139
Foreign Tx Fee 2.5%
Personal Income $60,000
Household Income $100,000
Credit Score Good/Excellent
Annual Fee $165
Purchase 20.50%
Cash Adv. 22.99%
RBC Royal Bank RBC Royal Bank
Best For [ Travel Rewards ]
RBC British Airways Visa Infinite
Est. 1st Yr Value: $969
Welcome Bonus: Get up to 60,000 Avios
Highlights: Travel Medical Insurance Flight Delay Insurance
Purchase APR 20.50%
Cash Advance APR 22.99%
Annual Fee $165
Foreign Tx Fee 2.5%
Personal Income N/A
Household Income N/A
Credit Score Good/Excellent
Add. Card Fee $75.00
Annual Fee $0
Purchase 20.99%
Cash Adv. 22.99%
RBC Royal Bank RBC Royal Bank
Best For [ Travel Rewards ] [ No Annual Fee ] [ Rewards ]
More Rewards RBC Visa Infinite
Est. 1st Yr Value: $966
More Rewards
Welcome Bonus: Enjoy up to 20,000 bonus More Rewards points. That’s a value of $30 in groceries!
Highlights: No Annual Fee Mobile Device Insurance Extended Warranty Insurance Purchase Security Insurance
Purchase APR 20.99%
Cash Advance APR 22.99%
Annual Fee $0
Foreign Tx Fee 2.5%
Personal Income N/A
Household Income N/A
Credit Score Good/Excellent
Add. Card Fee $0.00
Annual Fee
$139 $0
1st yr Fee Waived
Purchase 21.99%
Cash Adv. 22.99%
TD Canada Trust TD Canada Trust
Best For [ Cash Back ] [ Rewards ]
TD Cash Back Visa Infinite Card
Est. 1st Yr Value: $821
1st Yr Free
Cash Back
Welcome Bonus: Earn up to $600 in total value, including 10% cash back in the first 3 months.
Highlights: Travel Medical Insurance First-Year Fee Waived Mobile Device Insurance Car Rental Collision/Loss Damage Waiver +6 more
View Offer
ELIGIBILITY
Personal Inc: $60,000
Household Inc: $100,000
Purchase APR 21.99%
Cash Advance APR 22.99%
Annual Fee $139
Foreign Tx Fee 2.5%
Personal Income $60,000
Household Income $100,000
Credit Score Good/Excellent
Add. Card Fee $50.00
Annual Fee $139
Purchase 21.99%
Cash Adv. 22.99%
CIBC CIBC
Best For [ Travel Rewards ] [ Premium ]
CIBC Aventura Visa Infinite Card
Est. 1st Yr Value: $686
Aventura
Welcome Bonus: Join and earn up to $1,800 in value!
Highlights: Airport Lounge Access Travel Medical Insurance First-Year Fee Waived Mobile Device Insurance +6 more
View Offer
ELIGIBILITY
Personal Inc: $60,000
Household Inc: $100,000
Purchase APR 21.99%
Cash Advance APR 22.99%
Annual Fee $139
Foreign Tx Fee 2.5%
Personal Income $60,000
Household Income $100,000
Credit Score Good/Excellent
Showing 10 of 12 cards
RateBuddy

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We highlight the "gotchas" and fees just as clearly as the perks.

Direct & Secure

No data harvesting. We send you straight to the bank's secure official site.

Confidence & Global Acceptance

Visa is one of the most widely accepted payment networks globally. Carry it with confidence knowing you can pay almost anywhere.

Unmatched Acceptance

Use your card at millions of merchants in over 200 countries and territories. Whether at a local market in Asia or an international hotel in Europe, Visa is the global standard for electronic payments. This universality means you rarely need to worry about carrying large amounts of cash. For travelers and online shoppers alike, Visa offers the highest probability that your payment method will be accepted instantly.

Infinite Luxury Benefits

The "Visa Infinite" and "Infinite Privilege" tiers unlock a suite of premium benefits that go beyond standard credit. These include complimentary 24/7 concierge services to help with bookings, access to the Visa Luxury Hotel Collection with room upgrades, and exclusive dining and wine series events. These perks are designed to enhance your lifestyle, providing VIP treatment and access that money alone often cannot buy.

Zero Liability Policy

Visa’s Zero Liability Policy ensures that cardholders are not held responsible for unauthorized transactions. This provides robust peace of mind for both online and in-store shopping. If your card details are stolen or used fraudulently, Visa guarantees that you won’t lose money. This protection allows you to shop digitally with the same confidence as you would in person, knowing the network has your back.

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Beat the FX Fees

Most cards charge 2.5% on foreign currency. If you travel often, a "No FX Fee" card saves you $25 for every $1,000 spent abroad—often covering the annual fee itself.

Not sure what you need?

Explore other possibilities.

Credit Cards is great, but sometimes a different card fits your lifestyle better. Use our Smart Finder to see what else you qualify for.

Cash Back

Earn money on daily spend.

Travel Rewards

Best for frequent flyers.

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LOYALTY PROGRAMS

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Filter by Visa, Mastercard, or Amex acceptance.

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From entry-level options to exclusive black cards. Find the eligibility level that fits you.

KNOWLEDGE BASE

Frequently Asked Questions

Common questions about Compare Top Visa Infinite Cards Cards and financial strategy.

Disclaimer: Information is for educational purposes only and does not constitute financial or legal advice. Terms subject to change by issuers.

Personal income generally refers to your individual annual earnings. Household income typically includes the combined income of you and your spouse or common-law partner. Premium cards often have higher income thresholds (e.g., $60k personal or $100k household) to qualify.

A cash advance occurs when you withdraw cash from an ATM using your credit card or transfer funds from the card to a bank account. These transactions typically incur a fee (e.g., $5) and interest starts accruing immediately (no grace period), often at a higher rate than purchases.

You should contact your card issuer immediately to lock or cancel the card. Many issuers also offer a 'Lock Card' feature in their mobile app which can prevent new transactions instantly. Once reported, the issuer will typically send a replacement card with a new number.

Providing your Social Insurance Number (SIN) is usually optional for credit card applications, though it can help the issuer verify your identity and locate your credit file more accurately. You can generally apply without it, provided you supply other identification details.

A hard inquiry (from a credit application) typically remains on your credit report for up to 36 months, though its impact on your credit score generally diminishes significantly after the first 12 months.