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What Is Visa Infinite?

What Is Visa Infinite

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updated: January 8, 2024

Credit card benefits vary among cards. Some cards offer basic benefits, while others feature luxury perks. Certain benefits are specific to the card issuer or card, and some come from payment networks like Visa and Mastercard. 

Visa offers three levels of benefits—Traditional, Signature and Infinite. Visa Infinite is the payment network's top-tier benefits package. Here's a closer look at the benefits included with Infinite and how it compares to Visa's other benefit levels. 

Visa Infinite benefits

As Visa's top benefits level, Visa Infinite offers more benefits and perks than its other benefits tiers. Keep in mind that card issuers determine which benefits are available with particular cards, so not all of the following benefits will apply to every Visa Infinite card. Check with your card issuer to learn more about the available Visa card benefits and features for your card. Terms and conditions apply with all Visa card benefits. 

Visa Infinite Concierge services

Visa Infinite concierge gives eligible cardholders complimentary 24/7 access to dedicated concierge services for help with planning and booking travel, dining, entertainment, activities, and other requests. Cardholders are responsible for any payments or charges associated with services, products or bookings arranged through the concierge service.

Visa Infinite luxury hotel collection

Visa Infinite cardholders can book stays at incredible hotel properties worldwide through the Visa luxury hotel collection. Benefits during your stay include VIP status, complimentary breakfast daily, upgrades, and other special amenities. 

Purchase security

Visa Infinite purchase security covers eligible purchases made with your Visa Infinite card against theft or damage within 90 days of the date of purchase.

Return protection

If you're unsatisfied with an eligible purchase using your Visa Infinite card, you get return protection if the merchant or retailer won't accept a return. Return protection covers eligible purchases within 90 days of the purchase date.

Trip delay reimbursement

Weather and other hazards are part of life and can sometimes affect travel plans. Visa Infinite cardholders can receive up to $500 on airfare purchases with their card if the flight is delayed for more than six hours due to a covered hazard.

Travel accident insurance

Using your Visa Infinite card for travel fares automatically qualifies you for travel accident protection. Your card provides coverage against accidental bodily injuries. The benefit covers the cardholder, spouse, and dependent children under 23 years of age. 

Lost luggage reimbursement

Lost luggage protection reimburses you for checked or carry-on luggage and their contents that are stolen or lost by the airline on fares purchased using your card. 

Additional Visa Infinite benefits

Visa Infinite cardholders may have access to various benefits depending on their card. Some of the other possible benefits available include:

  • Global Entry statement credit.
  • Visa Infinite rental car privileges.
  • Partner benefits with Shipt, Sofar, and Skillshare.
  • Visa Infinite experiences.
  • Roadside dispatch.
  • Auto rental collision damage waiver.
  • Trip cancellation/trip interruption reimbursement.
  • Travel and emergency assistance services.
  • Extended warranty protection.
  • Price protection.
  • Emergency cash disbursement.

Some of the best Visa Infinite cards

Annual fees
Regular APR
Credit score
Intro offer

RELATED: Best Visa Credit Cards

What Is the difference between Visa Infinite and other tiers?

Visa breaks down its benefits into three categories. As the top tier, Visa Infinite includes all the perks of Visa Traditional and Visa Signature, plus additional cardholder benefits and protections. 

Visa Infinite vs. Visa Traditional

Visa Traditional is the payment network's entry-level benefits package. The benefits that may come with a Visa Traditional card may include: 

  • Visa zero liability.
  • Roadside dispatch.
  • Emergency card replacement.
  • Emergency cash disbursement.
  • Partner benefits with Shipt and Sofar.
  • ID Navigator powered by NortonLifeLock.
  • Dovly Uplift.
  • Visa offers + perks.

Visa Infinite vs. Visa Signature

Visa Signature offers mid-tier Visa benefits. The Signature benefits package includes all of the benefits included with Visa Traditional, plus the following perks: 

  • Visa Signature luxury hotel collection.
  • Visa Signature rental car privileges.
  • Visa Signature concierge.
  • Visa Signature golf benefits.
  • Visa Signature offers +perks.
  • Auto rental collision damage waiver.
  • Baggage delay reimbursement.
  • Cell phone protection.
  • Emergency evacuation.
  • Emergency medical / dental.
  • Extended warranty protection.
  • Global entry statement credit.
  • Hotel theft protection.
  • Lost luggage reimbursement.
  • Partner benefits with Skillshare.
  • Price protection.
  • Purchase security.
  • Return protection.
  • Travel accident insurance.
  • Trip cancellation/ trip interruption reimbursement.
  • Trip delay reimbursement.

TIME Stamp: Go beyond the name

Don't base your decision on which credit card to get solely on whether it is a Visa Infinite card. Instead, consider your spending habits and lifestyle and look for cards that align with your needs. Compare card fees, APR, bonuses, rewards rates, card benefits and eligibility requirements to narrow your choices to the cards that suit you best.

Frequently asked questions (FAQs)

How do you get a Visa Infinite card?

You can apply for a Visa Infinite credit card through credit card issuers that offer Infinite cards. You must meet credit and other requirements to be eligible for a Visa Infinite card. 

What is Visa Infinite concierge service?

Eligible Visa Infinite cardholders receive complimentary 24/7 concierge service. Visa Infinite concierge service can help plan and book travel; secure event tickets, tours and other experiences; make dining reservations; and perform other lifestyle tasks. 

Is Venture X Visa Infinite?

The Capital One Venture X is a Visa Infinite credit card. Visa Infinite benefits available with Venture X include concierge service, cellphone protection, travel accident insurance, and rental car insurance. 

Does Visa Infinite cover trip cancellation?

Yes. Visa Infinite trip cancellation/trip interruption coverage reimburses the cost of non-refundable travel fares booked with the card if you must cancel or interrupt your trip.

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