What You Need to Know About Visa Infinite and Key Benefits

There are three tiers of Visa credit cards:

  1. Visa 
  2. Visa Signature
  3. Visa Infinite

What is Visa Infinite? 

Visa Infinite is the highest tier of Visa-branded credit cards, typically reserved for premium and luxury credit cards.

You can easily identify a Visa Infinite credit card by the "Visa Infinite" logo that appears on the lower right corner of a card. 

Currently, there are a very limited number of Visa Infinite cards on the market, and most of the benefits vary depending on the card issuers. Be sure to double check with the bank to see if certain benefits that interest you are included in your Visa Infinite card.

Visa infinite cards typically have the highest merchant fees, higher than American Express cards. Annual fees are also significantly higher than Visa Signature cards.

An interesting observation is that once you increase your credit limit on a card to $5,000, you might get automatically converted to a Visa Signature card.

However, if you increase your credit limit to $10,000, you will not be converted to a Visa Infinite card.

Annual fees

Most of the Visa Infinite cards have at least a $400 annual fee, but the fee is usually offset by travel or airline incidental credit. Annual fees vary depending on the card issuer. 

For example, the Chase Sapphire Reserve has a $450 annual fee, and the U.S. Bank Altitude Reserve has a $400 annual fee. 

Credit limits

The minimum credit limit for a Visa Infinite card varies by the card issuer. 

For Chase, the minimum starting credit limit is $10,000. This means that if Chase is not willing to grant you at least $10,000 in credit limit, you won't be approved for the card. In this case, you can offer to move your credit around to satisfy the requirement.

On the other hand, the U.S. Bank Altitude Reserve only requires a $5,000 minimum starting credit limit. 

What are the key benefits of having a Visa Infinite card?

Visa Infinite Luxury Hotel Collection (LHC)

The main benefit of LHC is that you can get free upgrades and perks when you use a Visa Infinite card to book the hotel stay. This is Visa's equivalent to American Express Fine Hotels and Resort Collection. 

One thing to be aware of is that this benefit is for select luxury hotels only.

View the Visa LHC page here: https://www.visaluxuryhotelcollection.com/

Visa Infinite Concierge

The concierge can help with reservations, as well as trip planning. For me, the main goal of the concierge is to gain access to exclusive events that I otherwise would have a hard time getting. 

Global Entry/TSA-PreCheck Credit

Each Visa Infinite card usually comes with $100 Global Entry/TSA-PreCheck credit. This benefit is not exclusive to Visa Infinite cards.

Car Rental Status

For car rentals, I recommend doing research and comparing the prices. In my experience, the Costco Travel Portal usually has the best rates. 

Enjoy complimentary status and discounts using the following links:

Priority Pass (Airport Lounge Access)

Visa Infinite cards offer different levels of Priority Pass. For example, the Priority Pass that comes with the Chase Sapphire Reserve and Ritz-Carlton cards allow you to take in unlimited guests (per the lounge's discretion).

On the other hand, the U.S. Bank Altitude Reserve card has a lot more restrictions. Your first four visits and four individual accompanying guests can enjoy complimentary access each membership year. After the free visits have been used, the cardmember will be charged $27 for each visit and each guest.

Visa Infinite Travel Portal

The Visa Infinite Travel Portal is limited to select cards. Be sure to check with your card issuer to see if you have access to this benefit.

The Chase Sapphire Reserve does not have access to the discount travel portal.

Travel Credit

Travel credits are another benefit that varies drastically depending on the card you have. 

The Chase Sapphire Reserve travel credit is easy to use because anything that codes as travel will be automatically applied. For example, Uber, Uber Eats, tolls, bus tickets, and plane tickets code as travel. 

On the other hand, the Chase Ritz-Carlton card has a $300 airline incidental credit that can only be applied to seat upgrades and checked bags. You must call in and have a customer service agent to apply the credit. 

Fine Wine and Food Program

Visa Signature and Visa Infinite cards have access to the Fine Wine and Food Program. The main benefit is that if you visit select wineries, you can get buy one get one free for standard tastings.

Fine Wine and Food Program: http://sonomawine.com/visa-signature/

You'll also receive discounts on wine bottles and food pairings from select properties. 

Discounts on transportation to wine country (Napa Valley or Sonoma) are also available. 


Enjoy Troon Golf Benefits for Visa Infinite cardholders. You can reserve play time at select private clubs for $99/person. You may bring yourself and up to three guests at the same rate. 

Access the Troon Gold Rewards website: https://www.troongolfrewards.com/visainfinite/