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How do Visa Infinite cards work?

Visa Infinite cards are loaded with premium features you won't find with your everyday card.

You might not think too much about the Visa logo on your card, but take a closer look. Do you see the word “Infinite” or “Infinite Privilege” beneath it? If so, you’ll get special features you don’t find with a Visa Classic. While Visa Infinite credit cards come with a host of perks and benefits that Visa Classics don’t have, Visa Infinite Privilege cards are a step above and offer even more exclusive rewards and perks.

Scotiabank Passport Visa Infinite Card

Scotiabank Passport Visa Infinite Card

19.99 % APR

Purchase interest rate

Eligibility criteria, terms and conditions, fees and charges apply

Scotiabank Passport Visa Infinite Card

Apply today and earn 40,000 bonus points when you meet the spend requirements.

  • Purchase interest rate: 19.99%
  • Cash advance rate: 22.99%
  • Annual fee: $139
  • Credit rating: 750
  • Minimum income: $60,000 (or $100,000 household income)
Apply now
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Compare Visa Infinite credit cards

Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
BMO eclipse Visa Infinite
40,000 points
Up to 5 points per $1 spent
20.99%
$0 annual fee for the first year ($120 thereafter)
Min. recommended credit score: 760
Get up to 40,000 points and the $120 annual fee waived in the first year.
BMO eclipse Visa Infinite Privilege
50,000 points
5 points per $1 spent
20.99%
$499
Min. recommended credit score: 760
Get up to 50,000 welcome points in your first year.
Scotia Momentum Visa Infinite Card
10% cash back
Up to 4% cash back per $1 spent
20.99%
$0 annual fee for the first year ($120 thereafter)
Min. recommended credit score: 750
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases) and pay no annual fee in the first year, including on supplementary cards (A welcome offer value of $350). Apply by August 31, 2021.
Scotiabank GM Visa Infinite Card
No first year annual fee
Up to 5% cash back
19.99%
$0 annual fee for the first year ($79 thereafter)
Min. recommended credit score: 660
Get the annual fee waived in the first year on the primary card as well as any supplementary cards. Apply by August 31, 2021.
Scotiabank Passport Visa Infinite Card
40,000 points
Up to 5 points per $1 spent
19.99%
$0 annual fee for the first year ($139 thereafter)
Min. recommended credit score: 750
Earn up to 40,000 bonus Scotia Rewards points in your first year (that’s up to $400 towards travel). Plus, get the annual fee waived in the first year and earn 5x Scotia Rewards points on travel for the first 3 months (up to $2,500 spend). Apply by October 31, 2021.
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Visa Classic vs. Visa Infinite

Here’s a breakdown of what you’ll find with a Visa Classic versus a Visa Infinite or Infinite Privilege.

Visa ClassicVisa Infinite and Infinite Privilege
Cardholder inquiry servicecheckmarkcheckmark
Emergency cash disbursement and card replacementcheckmarkcheckmark
Lost or stolen card reportingcheckmarkcheckmark
Zero liability policycheckmarkcheckmark
Roadside assistancecheckmarkcheckmark
Extended warrantycheckmarkcheckmark
Rewards programscheckmark
Insurance coveragescheckmark
Travel and emergency assistance servicescheckmark
Visa Infinite Luxury Hotel Collectioncheckmark
Visa Infinite Conciergecheckmark
Visa Infinite Dining Seriescheckmark
Visa Infinite Wine Country Programcheckmark
Visa Infinite Privilege travel benefitscheckmark
  • = Comes standard
  • = Does not come standard

*Some nonstandard benefits may be offered by the card provider.

Visa Classic and Visa Infinite standard features

Even your typical Visa Classic comes with valuable basic features.

Roadside assistance

If you have problems with your vehicle while you’re on the road, you can call Roadside Dispatch 24/7.
Services include:

  • Towing
  • Tire change
  • Jump start
  • Lockout service
  • Fuel delivery
  • Winching (which extracts your vehicle if it’s stuck)

You’ll pay a flat fee of $69.95 per service call — and there are no usage limits.

Other features

  • Cardholder inquiry service. Call Visa anytime to ask about card benefits, as well as product and service information.
  • Emergency cash disbursement and card replacement. If your card is lost, stolen or damaged, Visa will send you an emergency card replacement within three business days. Visa can also make cash available to you at a nearby location.
  • Lost or stolen card reporting. Call Visa Global Customer Care Services to get a replacement card.
  • Zero Liability. You’ll never be asked to pay for unauthorized purchases on your card.
  • Extended warranty. Through this service, you can register your warranties and get extended warranties.

Visa Infinite and Infinite Privilege features

Visa Infinite and Infinite Privilege cards outshine Visa Classics with more enticing rewards and travel benefits.

Rewards

The most coveted credit cards offer miles, cash back or points for purchases. Visa Infinite and Infinite Privilege cards tend to offer strong sweeteners for spending, such as more points earned per dollar spent.

Visa Concierge

Visa Concierge can help you with travel plans and dining reservations. It can also help with special events — booking shows, arranging meeting spaces and more — and shopping, including gift recommendations and delivery. Visa Concierge is accessible 24/7.

Visa Infinite Luxury Hotel Collection

The Visa Infinite Luxury Hotel Collection comprises of the world’s top hotels, like Park Hyatt and Shangri-La. As a Visa Infinite cardholder, you can book stays at these resorts. Booking through the Visa Infinite Luxury Hotel Collection brings such benefits as:

  • Complimentary room upgrades
  • Complimentary in-room Wi-Fi
  • Complimentary continental breakfast
  • 3 p.m. checkout on request
  • Food or beverage credit

Travel and emergency assistance services

If you’re in an emergency during vacation, you can call Visa for help. Benefits are available for you, your spouse and your children up to a specified age. It’s free to contact Visa’s travel and emergency hotline, but you may need to pay for services you receive. You’ll find services like Emergency Transportation Assistance and Legal Referral Assistance that help in medical and legal emergencies. You can also receive assistance for travel emergencies like lost tickets and lost luggage return.

Insurance coverage

These cards usually come with a host of travel insurance which may include:

  • Collision / Loss Damage Insurance (CLDI)
  • Out-of-Province/Country Emergency Travel Medical Insurance
  • Trip Cancellation Insurance
  • Trip Interruption Insurance
  • Flight Delay Insurance
  • Baggage Delay Insurance
  • Lost/Stolen Baggage Insurance
  • Common Carrier Travel Accident Insurance
  • Car Rental Collision/Loss Damage Insurance
  • Extended Warranty
  • Purchase Security Insurance

Other features

  • Visa Infinite Dining Series. Receive offers for dining experiences with top chefs at some of the best dining rooms in the country.
  • Visa Infinite Wine Country Program. Get special access to culinary experiences and wine tastings. Enjoy discounts, private tours and complimentary tastings.
  • Visa Infinite Privilege travel benefits. This feature isn’t standard for all Visa Infinite Privilege products, but it may be offered by your card provider. Receive discounts on travel expenses like hotels, car rentals and cruises, plus become a member of the Hotel Loyalty Program. Some cards offer access into Airport lounges, exclusive airport benefits and access to services like discounted airport parking, valet services and access to the security fast-track lane.

Frequently asked questions

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