How to Increase Your Visa Signature or Visa Infinite Card’s Value with Added Benefits

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If you own a rewards credit card, you’re probably familiar with the benefits and perks you get from the issuer — such as bonus points from Chase or annual statement credits from Citi. But depending on your card, you may be eligible for additional benefits through the card network.

The four common credit card networks in the U.S. are Visa, Mastercard, American Express, and Discover. If you have a Visa or Mastercard credit card specifically, you may have one of several card designations they offer, such as Visa Signature or World Elite Mastercard.

There are three types of Visa credit cards: Traditional, Signature, and Infinite. Each has its own selection of included benefits — on top of card-specific benefits from the issuer — which range in value. Traditional Visa credit cards (most general Visa cards) offer just a few standard protections. But Visa Signature and Visa Infinite cards offer a broader selection of consumer protections and complimentary services. 

While the specifics of your Visa card type shouldn’t be a top consideration when you’re opening a new card account, it can offer additional savings and help make the cost of an annual fee worth it. Here’s what to know about Visa’s Signature and Infinite card offerings, and the perks you’ll get with each: 

How to Tell What Type of Visa You Have

You can tell whether your card is a Visa Infinite or a Visa Signature by looking at the Visa logo on your credit card. If it is, you’ll see “Visa Signature” or “Visa Infinite.” In some cases, the logo may be on the front of the card, but often the type of Visa is displayed prominently on the back. 

There are only a few credit cards on the market that are Visa Infinite products. Most likely if your card is a Visa Infinite, it’ll be either the Chase Sapphire Reserve® or the U.S. Bank Altitude Reserve Visa Infinite® Card*. 

Visa Signature cards are more common. Some popular credit cards offered as Visa Signature cards include the Chase Sapphire Preferred® Card, Capital One Venture Rewards Credit Card, and Chase Ink Business Preferred® Credit Card.

Visa Signature and Visa Infinite benefits are offered on top of the other credit card perks provided by your issuer, such as rewards on spending, statement credits, introductory 0% interest offers, and more. 

The benefits listed below may be included with a Visa Signature or Visa Infinite credit card you sign up for, but not always. Even if your card is a Visa Signature or Visa Infinite, not all benefits are included in every version of each card. If you want to know the exact credit card benefits your card is eligible for, read your credit card member agreement in its entirety or reach out to your card issuer to ask. 

Visa Signature Benefits

Visa Signature cards cover a wide range of purchase protections, travel protections, and other benefits for eligible cardholders. In most cases, you must make the original purchase or book your ticket using your Visa Signature card to qualify. 

And remember, not every Visa Signature offers the same perks, and different exclusions and conditions may apply. Always check your individual card agreement for the specific benefits and terms for your card.

Roadside Dispatch

Call in 24/7 for help in a variety of emergency situations, including a flat tire. You can also call for towing assistance or other types of assistance when you’re on the road.

Baggage Delay Insurance

This coverage can reimburse you if your baggage is delayed or lost for more than four hours during travel. Coverage is good for up to $300 to cover incidental purchases and necessities.

Lost Luggage Reimbursement

Receive reimbursement when your luggage is lost during travel. Coverage is good for up to $3,000 per trip. 

Auto Rental Coverage

Visa Signature cards come with auto rental coverage, although the coverage you receive could be primary or secondary to your own insurance. Secondary coverage means the card covers only what isn’t paid by your own auto insurance, while primary insurance offered by a credit card will kick in first, regardless of your other auto insurance. This coverage can apply when you pay for the entire rental cost with your Visa Signature card.

Global Entry Credit

Get a credit for Global Entry membership, which costs $100 and lasts for five years. When you apply and pay for Global Entry membership with your Visa Signature card, you’ll get a $100 statement credit.

Trip Cancellation and Interruption Insurance

Trip cancellation and interruption insurance can kick in when your trip is cancelled or interrupted for a covered reason. Coverage can reimburse you for prepaid, nonrefundable travel expenses on air travel as well as other forms of eligible transportation, including buses or cruise ships. 

Emergency Medical and Dental Coverage

Emergency medical and dental coverage can kick in to pay for up to $2,500 in eligible emergency medical and dental bills incurred while traveling. 

Emergency Evacuation Coverage

Emergency evacuation coverage can pay for emergency evacuation expenses to transfer you to the nearest medical facility if you’re sick or injured. This coverage with the Visa Signature card is good for up to $10,000. 

Price Protection

Price protection can reimburse you the cost difference when an item you buy is offered for a lower price within a specified timeline. For this coverage to apply, you have to pay for the item with your Visa Signature card.

Return Protection

Return protection can reimburse you for items when a store won’t take them back within a specified period. Coverage is good for up to $250 per eligible item.

Purchase Security

Purchase security helps protect items you purchase against damage or theft for up to 90 days. You have to pay for the item with your Visa Signature card for this coverage to apply. 

Extended Warranties

Extended warranty coverage from Visa Signature cards can double the manufacturer’s warranty on eligible items, with a maximum of one year of additional warranty protection. This coverage applies to eligible items with manufacturer’s warranties of three years or less. 

Visa Infinite Benefits

Visa Infinite not only offers additional benefits on top of what you’ll get with a Visa Signature card, but also takes a handful of Visa Signature benefits and expands their coverage.

Again, not every Visa Infinite card offers the same suite of benefits. Read the card agreement for your individual card account for a full picture of what your card offers. 

Primary Auto Rental Coverage

When you pay for a car rental with your Visa Infinite card, you’ll get primary auto rental coverage that applies before your own insurance. This coverage can apply when damage or theft occurs, or when you need towing or other services. 

Airport Lounge Access

Priority Pass Select membership grants you access to more than 1,300 airport lounges worldwide. If you’re a frequent flyer, airport lounge access can lead to significant savings thanks to the free refreshments, internet access, and more conveniences. 

Global Entry Credit

Like some Visa Signature cards, Visa Infinite cards also come with a credit for Global Entry membership, which is worth $100 when you pay the membership fee with your credit card. 

Purchase Security

Purchase security from Visa Infinite cards is applicable to new items that are damaged or stolen within 90 days of purchase. However, a higher limit of $10,000 per eligible item applies. 

Return Protection

Visa Infinite cards also offer guaranteed returns on eligible items. However, this return protection is worth up to $300 per item instead of the $250 in coverage you get with Visa Signature cards.

Trip Interruption and Cancellation Insurance

You can also get trip interruption and cancellation insurance with Visa Infinite cards, and this coverage is good for up to $2,000 per person for eligible prepaid, non refundable travel expenses charged to your card.

Trip Delay Reimbursement

Trip delay reimbursement on Visa Infinite cards is worth up to $500 per person if your trip is delayed by six hours or more. This coverage is good for incidental travel expenses, hygiene items, meals, and more. 

VIP Car Rental Privileges

If you pay for your car rental with your Visa Infinite card, you can get VIP perks like better pricing and upgrades. These privileges can apply when you rent from Avis, Hertz, National or Silvercar.

Visa Infinite Luxury Hotels Collection

Both Visa Signature and Visa Infinite cardholders can book hotel stays at properties in the Visa Luxury Hotels Collection and receive perks like a $25 food and beverage credit, automatic room upgrades, and late check-out. But Visa Infinite cardholders also get an additional benefit at qualifying properties, which may be one of the following depending on the hotel and your reservation:

  • An additional $75 food & beverage credit
  • $100 spa credit
  • $100 golf credit
  • $100 room rate credit
Learn More externa link icon
Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Intro offer:
    60,000 points
  • Annual fee:
  • Regular APR:
    20.24% – 27.24% Variable
  • Recommended credit:
    670-850 (Good to Excellent)
  • Apply Now externa link icon At Chase’s secure site
Learn More externa link icon
Chase Sapphire Reserve®

Chase Sapphire Reserve®

  • Intro offer:
    60,000 points
  • Annual fee:
  • Regular APR:
    21.24% – 28.24% Variable
  • Recommended credit:
    740-850 (Excellent)
  • Apply Now externa link icon At Chase’s secure site

Visa Signature vs. Visa Infinite

Of these two card types, Visa Infinite perks can be worth slightly more, and you’ll typically have to pay a larger annual fee to gain access to them. Visa Signature benefits are less exclusive and apply to a much larger range of cards, including popular travel credit cards and cash-back credit cards

Visa Infinite represents the most premium offering from the card network, and offers benefits suited to the premium rewards cards that carry the designation. Visa Infinite cards, like the Chase Sapphire Reserve, tend to offer a range of luxury perks and generous rewards in exchange for a higher annual fee, and the Visa Infinite benefits compliment those rewards.

Meanwhile, many Visa Signature cards are lower-priced or no annual fee travel and rewards credit cards, like the Chase Sapphire Preferred Card or U.S. Bank Cash+® Visa Signature® Card*. These cards can be valuable on their own, and the included Visa Signature perks grant added peace of mind through purchases and travel protections.

Both types of Visa cards offer a range of benefits that can lead to savings or help you out when you need it most. If you have a Visa Signature or Visa Infinite card already, make sure you read your card agreement to understand exactly which benefits may help you save on future expenses.

And if you’re looking to open a new Visa card, these benefits are only one factor to consider. Compare the annual fees, rewards value, APR, and other card details — and how they fit with your own budget and spending — before you apply for any new credit card.

*All information about the U.S. Bank Altitude Reserve and U.S. Bank Cash+® Visa Signature® Card has been collected independently by NextAdvisor and has not been reviewed by the issuer.