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Visa Infinite vs. Visa Infinite Privilege: What Are the Differences?

Visa Infinite vs. Visa Infinite Privilege: What Are the Differences?
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When you’re looking to add a new card to your loyalty wallet, and you’re in the market for something a little more premium, you’ve likely looked at the Visa Infinite and Visa Infinite Privilege options that are on offer.

While both types of Visas are available through multiple Canadian banks and have a minimum income requirement, the Visa Infinite Privilege cards set that access barrier all the way up at a six-figure personal income requirement.

Given this, one would assume that these high-end cards offer considerably more than their Visa Infinite relatives, which require a considerably more approachable minimum personal income requirement — but is this actually the case?

In this article, we’ll compare the differences across all relevant areas to see which type of Visa suits you best.

Visa Infinite vs Visa Infinite Privilege – woman looking confused with credit cards in hand

Visa Infinite vs. Visa Infinite Privilege

Here is how Visa Infinite cards and Visa Infinite Privilege cards compare, category by category.

Minimum Income Requirements

As mentioned above, Visa Infinite cards and Visa Infinite Privilege cards both require that you meet a minimum income threshold in order to be eligible.

These minimum income requirements are:

  • Visa Infinite: $60,000 personal or $100,000 household
  • Visa Infinite Privilege: $150,000 personal or $200,000 household

As you can see, to be eligible the Visa Infinite Privilege tier of cards, you need a whopping 2.5x the personal income requirement requested by the Visa Infinite tier, making these cards inaccessible to most people.

Annual Fees

In terms of annual fees, you can expect the following ranges across all Canadian banks:

  • Visa Infinite: $99 to $150 (occasionally waived for the first year)
  • Visa Infinite Privilege: $395 to $599

It’s worth noting that some banks offer a partial rebate on the Visa Infinite Privilege annual fee if you’re a member or if you hold a specific type of account.

That said, these are still considerable expenses just to have a credit card, so let’s continue our exploration of these cards to see if these fees are justified and if these are cards you could keep year after year.

Available Card Options

There are over 20 different Visa Infinite cards available through banks and credit unions in Canada, while, comparatively, there are only around 10 Visa Infinite Privilege cards.

From this we can understand that there is more diversity in the Visa Infinite offerings and their characteristics than there is with the Visa Infinite Privilege cards.

Most notably this means that there is more choice in rewards programs at the Visa Infinite tier, including different programs available within the same bank. For example, both CIBC and RBC offer three different Visa Infinite cards for three different rewards programs.

Reward Programs

Across the range of Visa Infinite cards, there are around 15 different rewards programs available.

However, at the Visa Infinite Privilege level, your choices go down to 7 different rewards programs.

The types of rewards that you can earn with either a Visa Infinite card or a Visa Infinite Privilege card include:

Visa Infinite cards are available in all of these categories, while Visa Infinite Privilege cards are limited to the latter three.

Additionally, it’s worth noting that overall the Visa Infinite Privilege cards are essentially designed with a traveller in mind since the additional perks and benefits that come with Visa Infinite Privileges tend to be travel focused. (More on this below.)

Welcome bonuses

Both Visa Infinite cards and Visa Infinite Privilege cards offer welcome bonuses to new cardholders if they can meet set spending requirements.

These bonuses are often structured in a way so that you earn the full advertised welcome offer in multiple chunks over the course of your first year as a card member. They also typically include an anniversary bonus that requires you keep the card into the second year if you want to earn the full bonus.

As we would expect, the welcome offers tend to be higher for Visa Infinite Privilege cards than for Visa Infinite cards, but unfortunately, the spending requirements attached usually match this increase.

For example, let’s look at two cards from different tiers that both earn Aeroplan points: the TD Aeroplan Visa Infinite Card and the TD Aeroplan Visa Infinite Privilege Card.

TD® Aeroplan® Visa Infinite* Card: Welcome offer of up to 50,000 Aeroplan points

  1. Earn 10,000 points when you make your first purchase;
  2. Earn 15,000 more points when you spend $3,000 within the first 90 days;
  3. Earn a one-time anniversary bonus of 25,000 points when you spend $12,000 within the first 12 months.

TD® Aeroplan® Visa Infinite Privilege* Card: Welcome offer of up to 100,000 Aeroplan points

  1. Earn 20,000 points when you make your first purchase;
  2. Earn 30,000 more points when you spend $12,000 within the first 180 days;
  3. Earn a one-time anniversary bonus of 50,000 points when you spend $24,000 within the first 12 months.
Our credit card selection
Credit cardAnnual feeWelcome offer
Annual fee$139 $0Welcome offer
Up to 50,000 points
Apply Now
Annual fee$599Welcome offer
Up to 100,000 points
Apply Now

As you can see, the Visa Infinite Privilege offers twice the points, in exchange for twice the spending: $24,000 in the first year, compared with $12,000 for the Visa Infinite.

Earning rates

In terms of earning rates, Visa Infinite Privilege cards tend to have higher earning rates compared to their same-family Visa Infinite cards.

It’s not really possible to compare earning rates across multiple rewards programs since the value of most currencies is not fixed and can fluctuate considerably depending on how they’re redeemed.

With this in mind, for this category, we’re exclusively comparing the earning rates between the two tiers within the same bank and the same rewards program to demonstrate the incremental differences in earning rates.

Example 1

Let’s compare the earning rates of the BMO eclipse Visa Infinite* Card and the BMO eclipse Visa Infinite Privilege* Card.

Spend CategoriesBMO eclipse Visa Infinite* CardBMO eclipse Visa Infinite Privilege* Card
Groceries5x5x
Gas5x5x
Dining out5x5x
Transit5x1x
Beauty/drugstore1x5x
Travel1x5x
Everything else1x1x

In this chart, we can see that the Visa Infinite Privilege option offers an extra elevated category and also appears to be focused on higher value categories, like travel, with more earning potential.

Annual fee
$0 $120
No annual fee the first year
Our valuation
$589
Milesopedia first-year estimateFirst-year valueWelcome bonus$469Annual fee rebated$120Total$589Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 70,000 points
+ First Year Annual Fee Rebate
Apply Now

on BMO's website

The BMO eclipse Visa Infinite* Card is one of the best Visa Infinite rewards credit cards in Canada. Its welcome offer lets you earn up to 70,000 BMO Rewards points, for a total value of up to $1,150*.

It also includes a monthly statement credit for streaming services, an annual $50 lifestyle credit, and no annual fee for the first year (a $120 value)*.

With the BMO eclipse Visa Infinite* Card, you also get:

  • 5x BMO Rewards points for every dollar spent on groceries, meal delivery or takeout, rideshare, public transit, and gas*
  • 1 BMO Rewards point for every dollar spent on all other purchases*
  • 10% more points when you add an authorized user to your account*
  • Mobile device insurance offering coverage up to $1,000*
  • The Pay with Points feature, which allows you to redeem your points on recent purchases starting at $1*
  • Six months of Instacart+ membership plus a monthly $10 Instacart credit with an eligible card*

Annual fee

Primary card$120
Additional card$50

Annual income required

Individual$60,000
Household$100,000

Conversion fees

2.5%

Earning rate

  • 5xRestaurants
  • 5xGas & EV
  • 5xGroceries
  • 5xTransit
  • 1xAll spending

Value

1st Year Value$1,128
2nd Year Value$365

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 21 days
Travel medical (55-64)Up to $5,000,000 / 21 days
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceUp to $1,000 / 1 years
Auto Rental CollisionUp to $65,000 / 48 days
Annual fee
$599
Our valuation
$1,340
Milesopedia first-year estimateFirst-year valueWelcome bonus$1,340Total$1,340Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 200,000 points
Ends Oct 31, 2026
Apply Now

on BMO's website

The BMO eclipse Visa Infinite Privilege* Card is a premium metal card! By applying for this card, you can earn up to 200,000 BMO Rewards points:

  • 80,000 points after $6,000 in purchases within the first 110 days of account opening
  • 40,000 points after $40,000 in purchases within the first 180 days of account opening
  • 80,000 points after $75,000 in purchases within the first 365 days of account opening

Additionally, you benefit from a 0% welcome interest rate on balance transfers for 12 months, as well as a 2% balance transfer fee.

Plus, you’ll receivea $200 anniversary credit to use as you wish!

As well as a membership to the Visa Airport Companion program with six complimentary visits per year to airport lounges.

With this Card, you can earn 5 BMO Rewards points per dollar spent on:

  • Groceries
  • Gas
  • Drugstores
  • Travel
  • restaurants and bars
  • Food delivery

And 1 BMO Rewards point per dollar spent everywhere else.

You can use BMO Rewards points for all travel purchases made through the agency or website of your choice (plane tickets, hotels, rental cars, all-inclusive packages, Airbnb, etc.) or for rewards and gift cards on the BMO Rewards platform.

Finally, enjoy six months of Instacart+ membership and a monthly $10 Instacart credit when you sign up with your eligible BMO credit card.

Annual fee

Primary card$599
Additional card$99

Annual income required

Individual$150,000
Household$200,000

Conversion fees

2.5%

Earning rate

  • 5xGroceries
  • 5xGas & EV
  • 5xPharmacy
  • 5xRestaurants
  • 5xTravel
  • 1xAll spending

Value

1st Year Value$1,461
2nd Year Value$321

Card benefits

Airport lounge access$240
Travel creditsIncluded

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 21 days
Travel medical (55-64)Up to $5,000,000 / 21 days
Travel medical (65+)Up to $5,000,000 / 3 days
Trip CancellationUp to $2,500
Trip InterruptionUp to $2,000
Delayed BaggageUp to $1,000
Lost BaggageUp to $2,500
Flight DelayUp to $1,000
Hotel BurglaryUp to $2,500
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceUp to $1,000 / 1 years
Auto Rental CollisionUp to $65,000 / 48 days

Example 2

Looking at the earning rates available with the CIBC Aeroplan® Visa Infinite Privilege* Card and CIBC Aeroplan® Visa Infinite* Card, we can see a similar pattern to above:

Spend CategoriesCIBC Aeroplan® Visa Infinite* CardCIBC Aeroplan® Visa Infinite Privilege* Card
Groceries1.5 points per $11.5 points per $1
Gas1.5 points per $11.5 points per $1
EV charging1.5 points per $11.5 points per $1
Dining out1 points per $11.5 points per $1
Travel1 points per $11.5 points per $1
Air Canada purchases1.5 points per $12 points per $1
Everything else1 points per $11.25 point per $1

Once again, we’re seeing slightly elevated earning rates for the Visa Infinite Privilege card, especially focused in more premium areas like dining out and travel.

Annual fee
$0 $139
No annual fee the first year
Our valuation
$1,139
Milesopedia first-year estimateFirst-year valueWelcome bonus$1,000Annual fee rebated$139Total$1,139Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 50,000 points
+ First Year Annual Fee Rebate
Apply Now

on CIBC's website

With the CIBC Aeroplan® Visa Infinite* Card, you can earn up to 50,000 Aeroplan points and a rebate on annual fees for the first year:

  • 10,000 Aeroplan points the first time you make a purchase
  • 15,000 Aeroplan points when you spend $6,000 or more during the first 6 monthly statements periods
  • 25,000 Aeroplan points as an additional anniversary bonus when you have at least $12,000 in net purchases posted on your account during the first 12 monthly statement periods
  • First-year annual fee waived for primary cardholder (instead of $139)
  • First-year annual fee waived for up to 3 additional cardholders (instead of $50 per card)
  • Up to eight passengers travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lb) when your travel originates on an Air Canada flight

It’s the best CIBC credit card for occasional Air Canada travellers.

Annual fee

Primary card$139
Additional card$50

Annual income required

Individual$60,000
Household$100,000

Conversion fees

2.5%

Earning rate

  • 1.5xGas & EV
  • 1.5xPharmacy
  • 1.5xGroceries
  • 1.5xAir Canada flights
  • 1xAll spending

Value

1st Year Value$1,768
2nd Year Value$425

Card benefits

Concierge service24/7

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 15 days
Travel medical (55-64)Up to $5,000,000 / 15 days
Travel medical (65+)Up to $5,000,000 / 3 days
Trip CancellationUp to $1,500
Trip InterruptionUp to $2,000
Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $2,500
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental Collision (primary)Up to $65,000 / 48 days
Annual fee
$599
Our valuation
$2,000
Milesopedia first-year estimateFirst-year valueWelcome bonus$2,000Total$2,000Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 100,000 points
Apply Now

on CIBC's website

With the CIBC® Aeroplan® Visa Infinite Privilege* Card, you can earn up to 100,000 Aeroplan points:

  • 10,000 Aeroplan points when you spend $1,000 or more during your first 2 monthly statement periods
  • 40,000 Aeroplan points when you spend $5,000 or more during your first 4 monthly statement periods
  • 50,000 Aeroplan points as an additional anniversary bonus when you have at least $25,000 in net eligible purchases posted on your account during the first 12 monthly statement periods
  • Access to Air Canada Maple Leaf lounges
  • 6 annual visits to airport lounge members of the Visa Airport Companion Program hosted by Dragonpass International Ltd.
  • Up to eight passengers travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lb) when your travel originates on an Air Canada flight

It’s the best CIBC credit card for Air Canada frequent flyers.

Annual fee

Primary card$599
Additional card$149

Annual income required

Individual$200,000
Household$200,000

Conversion fees

2.5%

Earning rate

  • 2xAir Canada flights
  • 1.5xGroceries
  • 1.5xPharmacy
  • 1.5xGas & EV
  • 1.25xAll spending

Value

1st Year Value$2,262
2nd Year Value$283

Card benefits

Concierge service24/7
Airport lounge access$400

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 31 days
Travel medical (55-64)Up to $5,000,000 / 31 days
Travel medical (65+)Up to $5,000,000 / 10 days
Trip CancellationUp to $2,500
Trip InterruptionUp to $5,000
Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $2,500
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+2 years
Auto Rental Collision (primary)Up to $85,000 / 48 days

Redemption options

Interestingly, redemption options for Visa Infinite cards and Visa Infinite Privilege cards are the same across the board with one exception.

With the CIBC Aventura Visa Infinite Privilege Card, you’re allowed to book business class award flights using the CIBC Aventura Flight Rewards Chart. Cardholders with all other Aventura cards are only able to book economy class award flights.

Our credit card selection
Credit cardAnnual feeWelcome offer
Annual fee$499Welcome offer
Up to 80,000 points
Apply Now
Annual fee$0Welcome offer
Up to 12,500 points
Apply Now

Insurance Coverage

When it comes to insurance coverage, both card tiers offer fairly comprehensive packages, but Visa Infinite Privilege cards tend to expand and improve on what’s offered by their Visa Infinite counterparts.

To get an idea of how your insurance coverage could improve if you were to select a Visa Infinite Privilege card instead of a Visa Infinite card, let’s look at the coverage offered by the RBC Avion Visa Infinite and the RBC Avion Visa Infinite Privilege.

CoverageRBC Avion Visa Infiniterbc avion visa infinite privilege
Travel medical insuranceup to 15 daysup to 31 days
Trip cancellation insurance$1,500$2,500
Trip interruption insurance$5,000$5,000
Common carrier travel accident insurance$500,000$500,000
Flight delay insurance$500$500
Delayed baggage insurance$500$500
Lost/stolen baggage insurance$500$2,500
Auto rental/loss insurance$65,000 – 48 days$85,000 – 48 days
Hotel/motel burglary insurance$2,500$3,000
Extended warranty1 year2 years
Purchase protection90 days120 days
Mobile device insurance$1,500 for 1 year$1,500 for 1 year

As you can see from the chart above, there are a few coverage areas that receive a boost when you’re a Visa Infinite Privilege cardholder, such as a longer term for your travel medical insurance and higher values for trip cancellation, lost/stolen baggage, and hotel/motel burglary insurance.

Featured
Annual fee
$120
Our valuation
$1,050
Milesopedia first-year estimateFirst-year valueWelcome bonus$1,050Total$1,050Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 70,000 points
Ends Nov 25, 2026
Apply Now

on RBC's website

For a limited time, the RBC Avion Visa Infinite Card offers a welcome bonus of up to 70,000 Avion points, worth up to $1,500 in travel.

  • 35,000 points upon approval of your application
  • 20,000 points when you charge $5,000 in purchases to your account within the first six months
  • 15,000 points on the first anniversary of your account

You can redeem your Avion points for flights with more than 500 airlines, with no blackout periods or seat restrictions, or transfer them to partner programs such as American Airlines AAdvantage, The British Airways Club, Cathay Pacific Asia Miles and WestJet Rewards.

The card earns you 1.25 points per dollar on eligible travel purchases and 1 point per dollar on all your other eligible purchases. It also includes extensive insurance coverage: emergency medical, trip cancellation and interruption, collision coverage for rental vehicles, and mobile devices.

The annual fee is $120.

Annual fee

Primary card$120
Additional card$50

Annual income required

Individual$60,000
Household$100,000

Conversion fees

2.5%

Earning rate

  • 1.25xTravel
  • 1xAll spending

Value

1st Year Value$1,369
2nd Year Value$271

Transfer partners

  • American Airlines AAdvantageAirline
  • British Airways ClubAirline
  • Cathay Asia MilesAirline
  • WestJet RewardsAirline

Card benefits

Concierge service24/7

Travel insurance

Travel medical (under 55)Included
Travel medical (55-64)Included
Travel medical (65+)Included
Trip CancellationUp to $1,500
Trip InterruptionUp to $5,000
Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $2,500
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceUp to $1,500 / 1 years
Auto Rental CollisionUp to $65,000 / 48 days
Annual fee
$399
Our valuation
$1,500
Milesopedia first-year estimateFirst-year valueWelcome bonus$1,500Total$1,500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 100,000 points
Ends Nov 25, 2026
Apply Now

on RBC's website

For a limited time, the RBC Avion Visa Infinite Privilege Card offers a welcome bonus of up to 100,000 Avion points, representing a travel value of up to $2,375.

  • 35,000 points upon approval of your application
  • 20,000 points when you charge $5,000 in purchases to your account within the first six months
  • 45,000 points on your account’s first anniversary

With the RBC Avion Visa Infinite Privilege Card, you also receive 6 complimentary airport lounge visits each year.

You can redeem your Avion points for flights on over 500 airlines, with no blackout periods or seat restrictions, or transfer them to partner programs such as American Airlines AAdvantage, The British Airways Club, Cathay Pacific Asia Miles, and WestJet Rewards.

The card also gives you access to priority lanes, security services, and reserved parking at select Canadian airports.

You earn 1.25 Avion points per dollar on all your purchases, and the card includes comprehensive insurance coverage: emergency medical care, trip cancellation and interruption, and mobile devices up to $1,500.

Annual fee

Primary card$399
Additional card$99

Annual income required

Individual$200,000
Household$200,000

Conversion fees

2.5%

Earning rate

  • 1.25xAll spending

Value

1st Year Value$1,607
2nd Year Value$321

Transfer partners

  • American Airlines AAdvantageAirline
  • British Airways ClubAirline
  • Cathay Asia MilesAirline
  • WestJet RewardsAirline

Card benefits

Concierge service24/7
Airport lounge access$240

Travel insurance

Travel medical (under 55)Included
Travel medical (55-64)Included
Travel medical (65+)Included
Trip CancellationUp to $2,500
Trip InterruptionUp to $5,000
Delayed BaggageUp to $500
Lost BaggageUp to $2,500
Flight DelayUp to $500
Hotel BurglaryUp to $3,000
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+2 years
Mobile DeviceUp to $1,500 / 1 years
Auto Rental CollisionUp to $85,000 / 48 days

Perks and Benefits

In the perks and benefits category, we see the same trend that we saw across the other categories — namely that the Visa Infinite cards give you some solid offerings from which the Visa Infinite Privilege cards expand.

Additionally, some Visa Infinite Privilege cards offer annual travel and/or dining credits that can help offset the high annual fees and make the cards more appealing long-term and in general.

To look at an example, here’s a comparison of the perks and benefits offer by the TD® Aeroplan® Visa Infinite* Card and the TD® Aeroplan® Visa Infinite Privilege* Card.

Perks & BenefitsTD® Aeroplan® Visa Infinite* CardTD® Aeroplan® Visa Infinite Privilege* Card
Free checked bags on Air Canada flights
X
X
NEXUS creditXX
Free airport lounge access, including Maple Leaf LoungesX
Annual Worldwide Travel Companion PassX
Concierge serviceXX
Visa Infinite services (exclusive access to experiences and entertainment)XX
Priority airport services (check-in, boarding, etc.)X
Discount on Avis/Budget car rentalsXX
Free eSIM through GigSkyXX
Visa RSVP RewardsXX

As we’ve seen across all the other categories, both cards offer a nice selection of benefits, with the Visa Infinite Privilege upping the ante in terms of travel perks.

To really dig in to all the benefits offered by either tier of card, you can always take a look at the Visa Infinite benefits and the Visa Infinite Privilege benefits on their associated websites. Just keep in mind that these lists will not include the additional benefits that are offered by each bank and partnered reward program.

Featured
Annual fee
$0 $139
No annual fee the first year
Our valuation
$1,139
Milesopedia first-year estimateFirst-year valueWelcome bonus$1,000Annual fee rebated$139Total$1,139Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 50,000 points
+ First Year Annual Fee Rebate
Apply Now

on TD's website

With this offer for the TD® Aeroplan® Visa Infinite* Card, you can get up to 50,000 Aeroplan points as well as an Annual Fee rebate for the first year.

  • Earn a welcome bonus of 10,000 Aeroplan points when you make your first Purchase with your new Card
  • Earn 15,000 Aeroplan points when you spend $3,000 within 90 days of Account opening.
  • Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $12,000 within 12 months of Account opening

This card also allows you to enjoy travel benefits, such as a free first checked bag for you and up to 8 travel companions on the same reservation, as well as a rebate on the NEXUS program application fee (up to $100 CAD per eligible cardholder) every 48 months.

With the TD® Aeroplan® Visa Infinite* Card, you earn 1.5 points per $1 spent on:

  • Grocery purchases
  • Gas and electric vehicle charging purchases
  • Purchases made directly with Air Canada® (including Air Canada Vacations®)

You also earn 1 point per dollar on all other eligible purchases made with your card.

Annual fee

Primary card$139
Additional card$75

Annual income required

Individual$60,000
Household$100,000

Conversion fees

2.5%

Earning rate

  • 1.5xGas & EV
  • 1.5xGroceries
  • 1.5xAir Canada flights
  • 1xAll spending

Value

1st Year Value$1,714
2nd Year Value$425

Card benefits

Concierge service24/7

Travel insurance

Travel medical (under 55)Up to $2,000,000 / 21 days
Travel medical (55-64)Up to $2,000,000 / 21 days
Travel medical (65+)Up to $2,000,000 / 4 days
Trip CancellationUp to $1,500
Trip InterruptionUp to $5,000
Delayed BaggageUp to $1,000
Lost BaggageUp to $1,000
Flight DelayUp to $500
Hotel BurglaryUp to $2,500
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceUp to $1,000 / 1 years
Auto Rental CollisionUp to $65,000 / 48 days
Annual fee
$599
Our valuation
$2,000
Milesopedia first-year estimateFirst-year valueWelcome bonus$2,000Total$2,000Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 100,000 points
Apply Now

on TD's website

With the TD® Aeroplan® Visa* Infinite Privilege* Card, you can earn up to 100,000 Aeroplan points with a tiered welcome offer.

This card also offers premium travel benefits, including:

  • A partial rebate on NEXUS program application fees (up to $100 CAD per eligible cardholder) every 48 months
  • Unlimited access to Air Canada Maple Leaf Lounges, with complimentary access for one guest
  • 6 complimentary visits per year to select international airport lounges through the Visa Airport Companion Program presented by DragonPass International Ltd.
  • First checked bag free for you and up to 8 travel companions on the same reservation when travel begins with an Air Canada flight

With the TD® Aeroplan® Visa* Infinite Privilege* Card, you earn:

  • Earn 2 points for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®)
  • 1.5 points per dollar on eligible purchases of gas, electric vehicle charging, groceries, travel, public transit and dining
  • 1.25 points per dollar on all other eligible purchases

Annual fee

Primary card$599
Additional card$199

Annual income required

Individual$150,000
Household$200,000

Conversion fees

2.5%

Earning rate

  • 2xAir Canada flights
  • 1.5xRestaurants
  • 1.5xGroceries
  • 1.5xTravel
  • 1.5xTransit
  • 1.5xGas & EV
  • 1.25xAll spending

Value

1st Year Value$2,334
2nd Year Value$461

Card benefits

Concierge service24/7
Airport lounge access$400

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 31 days
Travel medical (55-64)Up to $5,000,000 / 31 days
Travel medical (65+)Up to $5,000,000 / 4 days
Trip CancellationUp to $2,500
Trip InterruptionUp to $5,000
Delayed BaggageUp to $1,000
Lost BaggageUp to $2,500
Flight DelayUp to $1,000
Hotel BurglaryUp to $2,500
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+2 years
Mobile DeviceUp to $1,500 / 2 years
Auto Rental CollisionUp to $65,000 / 48 days

So Which Card Should You Choose?

If you qualify for a Visa Infinite Privilege card, they’re usually most valuable when chosen thoughtfully with a good understanding of how you’ll use them to earn and redeem points and take advantage of any perks and annual credits.

However, since they command high annual fees, high income requirements, and a considerable spend requirement to earn the welcome offers, these cards are not particularly accessible.

Comparatively, Visa Infinite cards come in with much lower annual fees and income requirements, all while offering fairly similar earning rates and many of the same benefits.

The Visa Infinite level is definitely the sweet spot where you can earn rewards and build your loyalty wallet without having to be too strategic.

This is also the level where benefits really start to be noticeable – especially compared to the Visa Platinum level, which typically offers fewer perks and benefits and lower earning rates.

In the end, we think that the Visa Infinite cards are the more versatile and accessible option; however, a Visa Infinite Privilege card can also be powerful addition to any rewards wallet — just make sure you do your research before applying.

Bottom Line

Visa Infinite cards and Visa Infinite Privilege cards are popular choices thanks to their solid benefits packages, diverse choice of banks and reward programs, and the wide acceptance of Visa around the world.

Luckily, there’s loads of options among this family of cards, so if you’re in the market for a new addition to your wallet, you’re sure to find something that suits your rewards style.

Read on about some of your options in a handful of our head-to-head comparisons below:

Frequently Asked Questions

Which banks offer Visa Infinite cards?

BMO, CIBC, Laurentian Bank, Manulife Bank, Meridian, RBC, Scotiabank, TD and Vancity offer Visa Infinite cards, as do several smaller credit unions.

Which banks offer Visa Infinite Privilege cards?

BMO, CIBC, Desjardins, RBC, Scotiabank, TD and Vancity offer a Visa Infinite Privilege card.

What rewards programs are available with Visa Infinite and Visa Infinite Privilege cards?

Both tiers give you access to the following programs: Aeroplan, BMO Rewards, RBC Avion, CIBC Aventura, Scotiabank Scene+, British Airways Avios, TD Rewards, Laurentian Bank rewards points, Meridian Rewards, More Rewards, Vancity Rewards and cash back.

What income do I need to qualify for Visa Infinite vs. Visa Infinite Privilege?

A Visa Infinite Privilege card requires $150,000 in personal income or $200,000 in household income, compared with $60,000 personal or $100,000 household for a Visa Infinite, a 2.5x higher personal income requirement. Beyond income, banks also evaluate your credit score (typically 720+ for Privilege), debt-to-income ratio, and existing relationship with the issuer. If you're close to the threshold, applying for the Visa Infinite tier first and upgrading after 12 months of solid payment history is a low-risk strategy.

Which Visa benefits come with both tiers?

Both tiers give you access to Visa's complimentary concierge service, the Visa Infinite Luxury Hotel Collection, the Visa RSVP Rewards Program and the Visa Infinite Dining Series. The Booking.com offers and GigSky data plans reserved for eligible Visa cardholders also apply to both.

What does the Visa Infinite Privilege tier add?

The Privilege tier mainly adds travel benefits: enrolment in the Visa Airport Companion Program, benefits at the Toronto, Montreal and Ottawa airports, and exclusive benefits at Relais & Châteaux properties. It also comes with Platinum status in the Access Rewards golf program, compared with Silver status on a Visa Infinite card.

Does a Visa Infinite Privilege card include airport lounge access?

Yes. Cardholders can enrol in the Visa Airport Companion Program, which gives access to more than 1,200 lounges worldwide. The number of free visits is set by the issuer: the TD Aeroplan Visa Infinite Privilege Card includes 6 per year, in addition to access to Air Canada Maple Leaf Lounges in North America, including for one guest.

What is the annual fee difference between the two TD Aeroplan cards?

The TD Aeroplan Visa Infinite Card costs $139 per year, plus $75 per additional cardholder. The TD Aeroplan Visa Infinite Privilege Card costs $599, plus $199 per additional cardholder. With the TD All-Inclusive Banking Plan, the Visa Infinite annual fee is rebated every year, while the Privilege fee is partially rebated.

Our featured card

Annual fee
$150
Our valuation
$350
Milesopedia first-year estimateFirst-year valueWelcome bonus$350Total$350Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 35,000 points
Ends Nov 1, 2026
Apply Now

on Scotiabank's website

With this welcome offer for the Scotiabank Passport Visa Infinite +* Card +* CardMC, you’ll earn 25,000 welcome bonus Scene+ points after charging $2,000 in purchases to your account within the first three months.

Plus, every year, earn an annual bonus of at least 10,000 Scene+ points when you charge at least $40,000 in purchases to your account. In total, the offer represents up to 35,000 Scene+ points and a value of up to $1,250 in the first year, including rewards, savings on foreign transaction fees and airport lounge access.

With the Scotiabank Passport Visa Infinite +* Card, you earn 3 points per $1 spent at Sobeys, IGA, Safeway, Foodland and participating Co-ops, and 2 points per $1 spent at other grocery stores, restaurants, eligible entertainment and eligible daily transit. You earn 1 point per $1 on all your other everyday purchases.

These points can be redeemed against any travel purchase at a rate of 1,000 points = $10 (flights, hotels, all-inclusives and even Airbnb), or as cash back with Scene+ at the same rate.

The Scotiabank Passport Visa Infinite +* Card also offers:

  • No fees for foreign currency transactions
  • 6 complimentary airport VIP lounge passes
  • Excellent insurance for your travels and purchases
  • Visa Infinite* Concierge Services

We have named this credit card the Best Credit Card with No Foreign Transaction Fees in 2024, 2025, and 2026.

Annual fee

Primary card$150
Additional card$50

Annual income required

Individual$60,000
Household$100,000

Conversion fees

0%

Earning rate

  • 2xGroceries
  • 2xRestaurants
  • 2xTransit
  • 2xEntertainment
  • 1xAll spending

Value

1st Year Value$650
2nd Year Value$397

Card benefits

Concierge service24/7
Airport lounge access$240

Travel insurance

Travel medical (under 55)Up to $1,000,000 / 25 days
Travel medical (55-64)Up to $1,000,000 / 25 days
Travel medical (65+)Up to $1,000,000 / 3 days
Trip CancellationUp to $1,500
Trip InterruptionUp to $2,500
Delayed BaggageUp to $1,000
Lost BaggageUp to $1,000
Flight DelayUp to $500
Hotel BurglaryUp to $1,000
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental CollisionUp to $65,000 / 48 days

Our editorial integrity

Our reviews and rankings are based on an objective assessment. Advertisers do not influence our content. We may receive compensation through some links; our analysis and opinions remain independent.