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A top-tier benefits program for top-flight travelers.
Visa offers three levels of consumer credit cards: Visa Traditional, Visa Signature®, and Visa Infinite®. Each level comes with an escalating series of perks and benefits, with Visa Infinite both the most exclusive and the most rewarding tier.
This guide will explain what types of benefits Visa Infinite cardholders receive, which credit cards offer Visa Infinite Benefits and how to take advantage of the incredible Visa Infinite hotel and travel perks that come with your credit card.
What is Visa Infinite?
Each Visa credit card falls into one of three categories: Visa Traditional, Visa Signature, and Visa Infinite. Of the three categories, Visa Infinite is the most exclusive and comes with the most benefits. Cardholders need excellent credit to be eligible for a Visa Infinite card, and these cards generally come with hefty annual fees.
Once you have a Visa Infinite credit card, you can begin taking advantage of its benefits, including access to the Visa Infinite Luxury Hotel Collection and other travel perks. Unlike credit card rewards programs such as Chase Ultimate Rewards®, you do not need to collect points to earn Visa Infinite benefits. These benefits are included with every Visa Infinite card, though individual benefits may vary by card.
In fact, Visa Infinite credit cards often come with both Visa Infinite benefits and their own high-earning rewards program; the Chase Sapphire Reserve® card, for example, is a Visa Infinite card that also earns points which can be redeemed through the Chase Ultimate Rewards program.
Visa Infinite vs. Visa Signature
While Visa Traditional credit cards only come with a basic suite of benefits, such as the ability to quickly receive a new credit card if yours is lost, stolen or damaged, both the Visa Signature and Visa Infinite tiers offer significant benefits to the cardholder.
Here’s a quick rundown of the benefits offered by each level of credit card:
|Visa Traditional||Visa Signature||Visa Infinite|
|Cardholder Inquiry Service||Cardholder Inquiry Service||Cardholder Inquiry Service|
|Lost or stolen card reporting||Lost or stolen card reporting||Lost or stolen card reporting|
|Emergency card replacement and emergency cash disbursement||Emergency card replacement and emergency cash disbursement||Emergency card replacement and emergency cash disbursement|
|Zero Liability for unauthorized transactions||Zero Liability for unauthorized transactions||Zero Liability for unauthorized transactions|
|Auto Rental Collision Damage Waiver||Auto Rental Collision Damage Waiver||Auto Rental Collision Damage Waiver|
|Roadside Dispatch®||Roadside Dispatch®||Roadside Dispatch®|
|Warranty Manager Service||Warranty Manager Service|
|Year-End Summary of credit card spending||Year-End Summary of credit card spending|
|Travel and Emergency Assistance Services||Travel and Emergency Assistance Services|
|Travel Accident Insurance|
|Trip Cancellation/Trip Interruption|
|Trip Delay Reimbursement|
|Lost Luggage Reimbursement|
It’s important to note that just because Visa doesn’t offer a specific benefit at the card level doesn’t mean the card itself doesn’t offer that benefit. The Capital One®
Venture® Rewards credit card, for example, is both a Visa Signature card and one of our top-recommended introductory travel cards — and it comes with travel accident insurance and additional travel perks such as a credit of up to $100 for Global Entry or TSA Precheck® fees.
Visa Infinite credit cards also come with additional travel benefits that vary by card, including upgrades and VIP treatment through the Visa Infinite Luxury Hotel Collection, access to Visa Infinite Concierge Services, Priority Pass™ airport lounge access and more.
Visa Infinite Hotel and Travel Benefits
Visa Infinite credit cards come with an incredible list of hotel and travel benefits. Not every Visa Infinite card offers every benefit — the Chase Sapphire Reserve and the UBS Visa Infinite credit cards do not offer the $100 flight discount, for example, though they do offer flight statement credits. Check your Visa Infinite card to learn which benefits are available to you, or browse this list to learn some of the benefits Visa Infinite cardholders can access:
Visa Infinite Luxury Hotel Collection
Visa Infinite cardholders can take advantage of several luxury preferred hotel benefits, including VIP status, upgrades when available, complimentary breakfast, and additional special amenities that vary by hotel.
Visa Infinite car rental and chauffeur benefits
Visa Infinite cards entitle cardholders to VIP amenities and discounts with Avis, National® and Silvercar, as well as the opportunity to save money when booking trips with the elite GroundLink chauffeured black car service.
Visa Infinite air travel perks and discounts
There are numerous ways for Visa Infinite cardholders to save money on air travel, including $100 discounts on qualifying itineraries when booked for 2-5 travelers, statement credits for incidentals such as checked bags and in-flight meals and snacks, and a statement credit of up to $100 for Global Entry or TSA Precheck fees. Plus, Visa Infinite cardholders get VIP access to Priority Pass airport lounges.
Visa Infinite Concierge Services
If you’d like assistance planning your next big trip or your next evening out, the Visa Infinite Concierge Services are ready to help cardholders plan itineraries, book tickets (for both travel and entertainment), make dinner reservations, and more.
Credit Cards that Offer Visa Infinite Benefits
There are currently three credit cards at the Visa Infinite level: the Chase Sapphire Reserve, the Ritz-Carlton Rewards® credit card, and the UBS Visa Infinite card. Each of these cards is a high-level travel rewards card that offers superlative benefits for frequent travelers with excellent credit who are willing to pay high annual fees in exchange for perks.
|Card Name||Rewards Earned||New Cardmember Offer||Redemption Bonus||Annual Fee|
|Chase Sapphire Reserve®||3x points on travel (after earning the $300 travel credit) and dining, 1 point per dollar on all other purchases||50,000 bonus points if you spend $4,000 in the first three months||Point value increases by 50% when redeemed for travel purchases through Chase Ultimate Rewards||$450, plus $75 for each authorized user|
|Ritz-Carlton Rewards®||6x points on participating The Ritz-Carlton Rewards® and SPG® hotels worldwide, 3x points on dining, car rentals and airline purchases, 2x points per dollar on all other purchases||Two free nights at a participating Tier 1-4 Ritz-Carlton Hotel if you spend $3,000 in the first three months||At the end of each year cardholders receive a 10% points premium with no cap||$395|
|UBS Visa Infinite Credit Card||3x points on commercial air travel, 2x points on gas and groceries, 1 point per dollar on all other purchases||50,000 bonus points if you spend $3,000 in the first three months||$495|
As the Visa Infinite program is relatively new, there may be additional Visa Infinite credit cards announced in the future. Expect them to be similar to the current Visa Infinite cards: exclusive to people with excellent credit, and designed for jet-setters with a large travel budget.
What Else do You Need to Know About Visa Infinite?
If you’re looking for a credit card that helps you save money on in-air purchases, offers TSA Precheck statement credits or helps you qualify for hotel upgrades, you don’t necessarily need a Visa Infinite card. Although the Visa Infinite program comes with a long list of perks, many of those perks are also available at the Visa Signature level, or offered by other card issuers such as Mastercard.
Take a look at our list of top travel credit cards and find a card that comes with the perks you want, whether you’re looking for priority boarding, free checked bags, trip cancellation insurance or all of the above. You might not get access to the Visa Infinite Luxury Hotel Collection, but you can still use travel rewards to make your next trip a little more enjoyable — or a lot less expensive.
Be sure to check out our latest Bankrate guides for more research on other credit card rewards programs.
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