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Visa Signature vs. Visa Infinite: Benefits & Popular Credit Cards

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Updated April 4, 2024

Visa is one of the largest credit card networks in the world. So, it’s no surprise that there are millions of Visa-branded cards— from cash back reward cards to travel credit cards—to choose from.

When scoping out your options, you should know about the benefits of each. Most credit card issuers have their own perks, but there are also Visa-specific benefits. The extras you’ll get vary by the type of Visa you select.

There are three options to choose from:

  • Visa Traditional: Basic Visa cards afford you buying power and valuable protections.
  • Visa Signature: These cards give you all the benefits you’ll enjoy with traditional Visa cards and an assortment of added perks.
  • Visa Infinite: You’ll get everything that comes with Visa Signature cards and more.

Below, we break down what to expect from each level and provide an in-depth look at how the different cards stack up.

Standard Visa benefits

Standard Visa cards come with the following benefits:

  • Zero liability for unauthorized purchases
  • Emergency card replacement
  • Emergency cash disbursement
  • Roadside assistance
  • ID Navigator from Norton LifeLock
  • Travel and lifestyle perks, discounts, and other offers

Visa Signature vs Visa Infinite benefits

Here’s what you get if you upgrade to a Visa Signature or Visa Infinite card:

BenefitVisa SignatureVisa Infinite
Airport lounge access at over 1,300 locations worldwide
x
x
Rebates for airline incidental fees
x
x
Global Entry statement credit
$100
$100
Trip delay reimbursement
Up to $300
Up to $500
Car rental: 25% discount and a free single upgrade at Budget and Avis
x
x
Roadside assistance
x
x
Emergency assistance services
x
x
Emergency dental and medical coverage
Up to $2,500
Up to $2,500
Emergency evacuation
Up to $10,000
Up to $10,000
Auto rental collision damage waiver
x
x
Hotel theft protection
x
x
Baggage delay reimbursement of up to $300
x
x
Lost luggage reimbursement
x (see benefits guide)
Up to $3,000
Travel accident insurance
x
x
Trip interruption/cancellation reimbursement
x (see benefits guide)
Up to $2,000
Zero-liability for unauthorized purchases
x
x
90-day purchase security
x
x
Price protection
x
x
Return protection
Up to $250
Up to $300
Extended warranty coverage
x
x
Cell phone protection
x
x
Emergency card replacement
x
x
Emergency cash disbursement
x
x
ID Navigator from Norton LifeLock
x
x
Free Dovly Uplift access to improve your credit health
x
x
Travel and lifestyle perks
x
x
Visa Signature cardBonus offerAPR rateAnnual feeRequired credit
bonus_miles_full
reg_apr,reg_apr_type
annual_fees
credit_score_needed
bonus_miles_full
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credit_score_needed
bonus_miles_full
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credit_score_needed
bonus_miles_full
reg_apr,reg_apr_type
annual_fees
credit_score_needed
bonus_miles_full
reg_apr,reg_apr_type
annual_fees
credit_score_needed
United℠ Business Card
bonus_miles_full
reg_apr,reg_apr_type
annual_fees
credit_score_needed
Ink Business Unlimited® Credit Card
bonus_miles_full
reg_apr,reg_apr_type
annual_fees
credit_score_needed
bonus_miles_full
reg_apr,reg_apr_type
annual_fees
credit_score_needed
bonus_miles_full
reg_apr,reg_apr_type
annual_fees
credit_score_needed
bonus_miles_full
reg_apr,reg_apr_type
annual_fees
credit_score_needed
bonus_miles_full
reg_apr,reg_apr_type
annual_fees
credit_score_needed
bonus_miles_full
reg_apr,reg_apr_type
annual_fees
credit_score_needed
bonus_miles_full
reg_apr,reg_apr_type
annual_fees
credit_score_needed
Visa Infinite cardBonus offerAPR rateAnnual feeRequired credit
bonus_miles_full
reg_apr,reg_apr_type
annual_fees
credit_score_needed
bonus_miles_full
reg_apr,reg_apr_type
annual_fees
credit_score_needed
U.S. Bank Altitude® Reserve Visa Infinite® Card
Earn 50,000 bonus points worth $750 on travel.
Just spend $4,500 in the first 90 days of account opening
22.24% to 29.24%
$400
Good to excellent
bonus_miles_full
reg_apr,reg_apr_type
annual_fees
credit_score_needed

Our recommendation

Why we recommend Visa Infinite

Visa Infinite credit cards are the better choice because of their slightly enhanced perks and protections. Still, the benefits are very similar to what you’ll get with Visa Signature cards, and the availability of the certain perks is at the card issuer's discretion.

It’s also worth bearing in mind that the extras offered by Visa Infinite credit cards may not be needed or used by everyone. It’s up to you to decide if the differences warrant paying a potentially higher fee. Be sure to weigh the costs of the card to determine if it’s worth it or if you should explore lower-tier Visa-branded options.

Why you would still opt for Visa Signature

Visa Signature credit cards sometimes come at a lower cost and offer relative value to Visa Infinite cards. It depends on the credit card issuer and the benefits it offers to attract new cardholders. The annual fee could also make Visa Signature the better choice, especially if a steep fee would outweigh the benefits of a Visa Infinite card or if you wouldn’t take advantage of all the perks.

Bottom line

Both Visa Signature and Visa Infinite credit cards include many attractive features. But when evaluating your options, look beyond what Visa offers. Consider the fees, interest rates, and additional benefits provided by the specific credit card issuer to find the best Visa credit card offer for you.

Frequently asked questions (FAQs)

What is a signature card?

A signature card is another name commonly used to describe a Visa Signature credit card. They come with various perks but often have lower annual fees than Visa Infinite credit cards.

Do Visa Infinite cards cover trip cancellation?

If you use a Visa Infinite card to book a trip, you should be reimbursed if it gets canceled or interrupted. Cardholders are reimbursed up to $2,000 for trip cancellation or interruption caused by a physical illness, disease, accidental injury or death. You’ll also qualify for reimbursement if the common carrier through which you purchased airfare becomes insolvent and declares bankruptcy.

What is the difference between Traditional vs. Signature vs. Infinite Visa cards?

It generally comes down to the benefits you’ll receive as a cardholder. Even the best Visa traditional cards offer base-level incentives, while Visa Signature and Visa Infinite cards feature added perks and protections.

The information presented here is created independently from the TIME editorial staff. To learn more, see our About page.

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