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Opinions, analyses, reviews, or recommendations expressed here are the author’s alone, and have not been reviewed or endorsed by the issuer. We may be compensated through the issuer’s Affiliate Program. For a full list of our advertisers see our disclosure page.

Advertiser Disclosure

Advertiser Disclosure: Some of the card offers that appear on this website are from companies which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The site does not review or include all companies or all available products.

Disclaimer: The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone. For a full list of our advertisers, see our disclosure page.

Opinions, analyses, reviews, or recommendations expressed here are the author’s alone, and have not been reviewed or endorsed by the issuer. We may be compensated through the issuer’s Affiliate Program. For a full list of our advertisers see our disclosure page.

Visa Infinite: What Is It? How Is It Different From Other Credit Cards?

Visa Infinite is the highest tier of Visa-branded credit cards—the other two being the standard Visa and Visa Signature. Typically, only the most high-end credit cards brandish the Infinite logo. Cards branded with this network have the best benefits of any card on the Visa network. In practice, however, these features and perks are often controlled by the card's issuer—meaning the bank. Therefore, while you can learn more about everything Visa Infinite has to offer here, you should always double check with the bank issuing a particular credit card to see what benefits are actually included. Currently, there are just a few Visa Infinite credit cards available in the U.S.

What is Visa Infinite?

Visa Infinite is a type of Visa credit card that is reserved for the most premium credit cards. You can recognize them by the 'Visa Infinite' logo appears on the lower right corner of a card.

Currently, there are only a handful of Visa Infinite cards available in the United States. Up until recently, Visa Signature was the highest level open to cardholders, with Visa Infinite only available in international markets. It should be noted that while Visa Signature comes with a set of benefits, card issuers can control which features are available to cardholders. Therefore, it's always best to confirm with a bank whether or not a particular perk you're interested in is available on the Visa Infinite card you're considering.

Key Visa Infinite benefits include:

$100 Roundtrip Domestic Coach Discount. Select Visa Infinite cardholders get $100 taken off the final price of any roundtrip domestic flight booked for two or more people. The discount applies only to bookings made directly through the Visa Discount Air website. There is no cap on the number of times you can use this perk throughout the year. Therefore, if you frequently travel domestically with at least one companion, you can save hundreds of dollars annually. This benefit is not offered on all Visa Infinite credit cards. Most notably, it is absent on the Chase Sapphire Reserve℠. You should check with your issuer, or refer to your cardmember benefits pamphlet to see if this feature is present on a Visa Infinite card you're interested in.

Global Entry Application Fee Credit. Global Entry is a special program that allows expedited clearance when pre-approved, low-risk travelers arrive to the United States. Depending on the airport and when you arrive, getting through customs can take a long time, and Global Entry helps cut that down. Normally, you'd need to pay $100 every 5 years to maintain Global Entry status. However, with a Visa Infinite card you receive credit when you apply. Just make sure you pay the application fee with the card itself.

When you get accepted into Global Entry, you're automatically enrolled in TSA Pre. This provides you expedited security screening when departing airports in the United States. Depending on when and where you're travelling, this can cut your total time spent at the airport significantly.

Car Rental Discounts. Visa Infinite cardholders can also receive discounts between 15% and 25% at participating car rental companies worldwide. These include Hertz, National Car Rental and Silvercar. We've come across other promotions, though these seem to be seasonal. For example, having a Visa Infinite credit card automatically qualifies you for Executive Status with National Car Rental. This allows you to earn credits towards free rentals and lower rates.

Primary Rental Car Insurance. Most credit cards come with a collision damage waiver on auto rentals, though it is secondary to your primary insurance policy. Meaning if you have a personal auto policy, you need to file a claim with that before your credit card's collision damage waiver can kick in. The downside of this is that filing a claim with your insurer can cause your rates to go up. Rental car insurance that you get through Visa Infinite is primary. Note that this is not entirely unique. Other types of credit cards can sometimes provide you with primary rental car insurance, if it's something the issuing bank decides to offer as a perk.

You may also see the Visa Infinite Hotel collection advertised as a benefit. However, when we looked into the perks provided by the card, and the participating hotels, we found there to be no difference between this and the Visa Signature Hotel Collection.

Visa Infinite vs Visa Signature

Outside of the benefits we highlighted above, there are no discernable differences between Visa Infinite and Visa Signature. Because it was the highest tier of Visa available in the U.S., Signature cards came with a lot of the top-tier perks associated with Infinite. Now that both are being rolled out in the country, a few extra perks—like the ones described above—have been added to Infinite to differentiate it.

Comparing Visa Infinite cards to Signature variants is of little value because all benefits are ultimately controlled at the issuer-level. For example, when Chase decides to issue a credit card with the Visa Infinite or Visa Signature branding, they get to decide which of the standard Visa perks will be passed on to cardholders. Therefore, while you may think the $100 airfare discount on Infinite cards is great, you cannot assume all Visa Infinite credit cards will have it. As far as consumers are concerned, many Signature and Infinite credit cards can be virtually identical from the card-network perspective.

Top Visa Infinite Credit Cards

Currently, there are three noteworthy Visa Infinite credit cards issued in the United States—the Chase Sapphire Reserve℠, the UBS Visa Infinite Credit Card and the Ritz-Carlton Rewards Credit Card. All cards come with annual fees of $450 or more, and are intended for high net worth individuals who travel a lot.

Chase Sapphire Reserve℠

The Chase Sapphire Reserve℠ is currently one of the best travel credit cards around. Consumers who pay the $450 annual fee have access to over 900 airport lounges worldwide, $300 annual travel credit, a fantastic 50,000-point bonus and great rewards on travel and dining purchases. Though it's a Visa Infinite card, the Chase Sapphire Reserve℠ does not provide the $100 airfare discount we discussed above. Still, all the other benefits provided by Chase more than make up for this. If you spend over $6,000 per year on travel and dining alone, this is a card you should seriously consider getting.

Highlights

  • $300 annual travel credit
  • 50,000 Ultimate Rewards (UR) points after spending $4,000 on purchases within the first 3 months of card membership
  • 4.5% rewards rate on travel and dining purchases
  • Read Our Full Review

Ritz-Carlton Rewards Credit Card

The Ritz-Carlton Rewards Credit Card is a good alternative to the Chase Sapphire Reserve℠ if you frequently stay at Ritz-Carlton and SPG® hotels. The card comes with many of the same features, including $300 annual travel credit, access to airport lounges, and a fantastic sign-up bonus. All the rewards you earn on this card come in the form of points that are then redeemable for free stays at Ritz-Carlton or SPG® properties. So long as you're okay with that limitation, this card can provide a lot of value. Unlike the Chase Sapphire Reserve℠, the Ritz-Carlton Rewards Credit Card does come with the benefit of airline ticket discounts.

Highlights

  • Two complimentary nights at any participating Tier 1-4 Ritz-Carlton hotel, after you spend $4,000 on purchases in the first 3 months after account opening
  • $300 annual travel credit
  • Upgrade to The Ritz-Carlton Club® Level 3 times annually on paid stays of up to 7 nights
  • Read Our Review

UBS Visa Infinite Credit Card

Image of UBS Visa Infinite Credit Card

The UBS Visa Infinite Credit Card is a card best-suited for people looking for exceptional concierge services and those who make use of UBS's wealth management services. This card comes with some decent rewards, including $250 annual airline fee credit, $500 airport club statement credit, and a decently-sized bonus. However, you can probably get better returns if you were to use any of the two cards we covered above. Instead, UBS stresses its in-house concierge that can help you make travel arrangements, book restaurant reservations, or even make decisions as they relate to your wealth management account. If this is what you're more interested in, the UBS Visa Infinite Credit Card will be a good fit for you.

Highlights

  • In-house concierge services
  • $250 airline fee credit
  • 12 complimentary Gogo in-flight Wi-Fi sessions
  • Read Our Review

Comments and Questions

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

Info about the following cards: American Express® Gold Card, Delta Reserve® Credit Card from American Express, Platinum Delta SkyMiles® Credit Card, Hilton Honors™ Card from American Express, Hilton Honors Surpass® Credit Card, American Express® Blue Sky, American Express® Green Card, The Amex EveryDay® Preferred Credit Card from American Express, The Plenti® Credit Card from Amex, Blue from American Express®, Platinum Card® from American Express Exclusively for Mercedes-Benz, Bluebird, Centurion® Card from American Express, Hilton Honors American Express Aspire Card, and Delta Reserve for Business Credit Card from American Express has been collected independently by ValuePenguin. The issuer did not provide the details, nor is it responsible for their accuracy.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program. 

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.