Best Visa Infinite Cards in Canada | July 2026

Q: What is the difference between Visa, Visa Infinite, and Visa Infinite Privilege?

Visa offers three levels of benefits in Canada:- Visa standard: basic protections (zero liability, contactless payment).; - Visa Infinite: adds concierge service, Visa Infinite Dining access, extended travel insurance, and an income requirement ($60,000 personal or $100,000 household).; - Visa Infinite Privilege: higher tier with VIP lounge access, an additional traveller included, 24/7 concierge, and enhanced insurance (income requirement $200,000 personal or $200,000+ household).;

Q: Are Visa cards accepted at Costco in Canada?

No. Costco Canada exclusively accepts Mastercard cards in-store and at the gas station. Visa and American Express are not accepted in Costco stores. However, online purchases on Costco.ca accept Visa and Mastercard. If you regularly shop at Costco, a Mastercard remains essential in your wallet.

Q: How does the Visa Infinite Concierge service work?

The Visa Infinite Concierge service is available 24 hours a day, 7 days a week to Visa Infinite or Visa Infinite Privilege cardholders. It gives: - Reservations for restaurants, hotels, and rentals worldwide.; - Purchasing tickets for shows, concerts, and sporting events.; - Sourcing gifts, flowers, and gift baskets.; - Coordinating travel, transfers, and special services.; The service is free; you only pay for the services rendered (restaurant, tickets, etc.).

Q: What is Visa Infinite Dining and Visa Infinite Hotel Collection?

Two exclusive programs for Visa Infinite cardholders:- Visa Infinite Dining - access to exclusive menus and private culinary experiences at the best restaurants in Canada (Joe Beef, Toqué!, Edulis, etc.).; - Visa Infinite Hotel Collection - stays at more than 900 luxury hotels with benefits included: breakfast for two, upgrade on arrival (based on availability), a $25 to $100 credit to use at the hotel, and late check-out.; Booking through the Visa Infinite portal with your eligible card.

The Best Visa Infinite Cards - July 2026

The Best Visa Infinite Credit Cards

These credit cards are among the best Visa Infinite cards in Canada.

Here is a table summarizing the different offers. For more details, read on or click on the name of a card.

Scotia Momentum^® Visa Infinite +* Card

The Scotia Momentum^® VISA Infinite +* card is recognized, year after year, as one of the best cash back credit cards in Canada. Milesopedia has even named it best cash back credit card in 2026.

Currently, thanks to this promotional offer, the Scotia Momentum Visa Infinite +* Card has no annual fee for the first year, including on additional cards. And you can get 15% cash back on all your purchases for the first three months (up to $2,000 in total purchases).

It also includes a new convenient benefit for travellers: enjoy 10 GB of free GigSky global mobile data for 15 days, as well as access to Travel Essentials to use essential apps like messaging, maps, and email while on the go. Cardholders also continue to receive 1 GB of free GigSky mobile data per year, plus a 20% discount on future GigSky purchases.

With the Scotia Momentum^® VISA Infinite +* card, you get:

4% cash back on grocery purchases and recurring payments
2% cash back on gas purchases, public transit, carpooling, and food delivery
1% cash back on all other purchases

For example, if you spend $1,000 per month on grocery purchases and/or recurring payments, you will get $40 cash back per month, or $480 per year, with this card, for this purchase category. And that’s not counting the other purchases you make with this card and the benefits it offers (including its excellent insurance coverage).

If you are a renter, you could, for example, use the Scotia Momentum Visa Infinite Card on the Chexy site to pay your rent and get 4% cash back.

Also note that you can use your cash back at any time (the cash back balance must be at least $25).

RBC Avion Visa Infinite Card

For a limited time, the RBC Avion Visa Infinite Card offers a welcome bonus of up to 55,000 Avion points, a travel value of up to $1,100.

35,000 points upon approval of your application
20,000 points when you spend $5,000 on your account within the first six months

You can redeem your Avion points for flights with 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 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 care, trip cancellation and interruption, rental vehicle collision and mobile device.

The annual fee is $120.

Scotiabank Passport^® Visa Infinite +* Card

With this welcome offer for the Scotiabank Visa Infinite ^+* Passport^MC Card, you get up to 60,000 Scene+ points as a welcome bonus (a value of $600):

40,000 points after $2,000 in purchases within the first three months
10,000 points after $10,000 in purchases within the first six months
10,000 points after $40,000 in purchases in the first year

Then, each year, if you make at least $40,000 in purchases on the card, you’ll earn an annual bonus of at least 10,000 points, which represents a $100 value.

With the Scotiabank Visa Infinite +* Passport^MD Card, you earn 3 points per dollar spent at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà par IGA, Voilà by Safeway, Chalo! grocery stores. FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.

You also earn 2 points per dollar spent, including on foreign purchases, in the following categories:

Grocery shopping
Restaurants
Entertainment centers
Transit

The Scotiabank Visa Infinite +* Passport^MD Card is an excellent Visa credit card for these types of purchases.

These points can be used for any travel purchase at a rate of 1,000 points = $10 (flights, hotels, all-inclusive packages, and even Airbnb). You can also redeem your points as cash back with Scene+, for example, at your grocery store checkout at the same rate of 1,000 points = $10.

The Scotiabank Visa Infinite +* Passport^MD Card also offers:

No fees for foreign currency transactions
Get value of up to 10¢/L on your fuel purchases at Shell
6 access to VIP airport lounges
Excellent insurance for your travels and purchases
Concierge service
Travel with confidence with 10 GB of free GigSky global mobile data for 15 days, plus access to GigSky Travel Essentials for essential apps on the go.
Cardholders also receive a free 1 GB/15-day GigSky global mobile data package annually, plus a 20% discount on future GigSky purchases.

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

CIBC Aventura^® Gold Visa* Card

If you do not meet the income requirements of CIBC Aventura^® Visa Infinite* Card, you can apply for CIBC Aventura^® Gold Visa* Card. The minimum annual income required for this card is $15,000 (household).

CIBC has a digital offer with which you can earn up to 45,000 Aventura points :

15,000 Aventura Points when you make your first purchase^†
30,000 Aventura Points if you spend $3,000 or more in the first 4 monthly statement periods^†

In addition, you can benefit from a rebate on the first year’s annual fee for the primary card holder ($139 value) and up to three authorized users ($50 each).

With this CIBC Aventura Credit Card, you get:

2 points for every $1 spent on travel purchased through the CIBC Rewards Centre^†
1.5 points for every $1 spent at eligible gas stations, EV charging, grocery stores and drug stores^†
1 point for every $1 spent on all other purchases^†

The CIBC Aventura^® Gold Visa* Card also offers:

Access to airport lounges: one Visa Airport Companion Program membership and 4 free visits per year
Reimbursement of NEXUS membership fees ( $160 value)
A free Skip+ membership ($110 value $110)

CIBC Dividend^® Visa Infinite* Card

The CIBC Dividend^® Visa Infinite* Card is one of Canada’s best Visa cash back credit cards.

With this offer, get up to $400 in value:

A 10% cash back welcome bonus of up to $250 (first 4 statements)
A $50 cash back when setting up a pre-authorized payment (first 4 months)
A first year annual fee rebate (worth $120)

With this CIBC cash back credit card, you earn:

4% cash back on eligible gas, electric vehicle charging, and grocery purchases^†
2% cash back on eligible transportation and dining purchases and on eligible recurring bill payments^†
1% cash back on all other purchases^†

For example, if you spend $1,000 per month on groceries and/or gas and/or electric vehicle charging, you’ll earn $40 cash back per month or $480 cash back per year with this card for this category of purchases!

This CIBC cash back credit card offers many insurance coverages:

Auto Rental Collision/Loss Damage Insurance
$500,000 Common Carrier Accident Insurance
Out-of-Province Emergency Travel Medical Insurance
Purchase Security and Extended Protection Insurance

BMO eclipse Visa Infinite* Card

The BMO eclipse Visa Infinite* Card is one of the best Visa Infinite rewards credit cards in Canada. With our welcome offer, you can get up to 70,000 BMO Rewards points.

Here’s how to earn the welcome offer points:

30,000 welcome points when you spend $4,000 in the first 110 days*
20,000 bonus points when you spend $7,000 in the first 180 days*
20,000 bonus points when you spend $12,000 in the first 12 months*

Plus, enjoy a monthly statement credit for streaming services, a $50 annual lifestyle credit, and no annual fee for the first year.

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*

BMO eclipse Visa Infinite Privilege* Card

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.

TD^® Aeroplan^® Visa Infinite Privilege* Credit Card

With the TD^{^®} Aeroplan^{^®} Visa* Infinite Privilege* Card, you can earn up to 85,000 Aeroplan points^† with a tiered welcome offer.

This card also offers premium travel benefits, including:

A rebate on NEXUS program application fees (up to $100 CAD) 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

Frequent Asked Questions about credit cards

Here are some frequently asked questions in the milesopedia community about credit cards in Canada.

What’s the best credit card in Canada?

There are over 200 credit cards in Canada. There is no “one best credit card” in Canada.

Several credit cards can match your needs:

Which is the best American Express credit card in Canada?

There are more than 30 American Express credit cards in Canada. Check out our best American Express Credit Cards page.

What’s the best Mastercard credit card in Canada?

There are over 90 Mastercard credit cards in Canada. Check out our Best Mastercard Credit Cards page.

What’s the best Visa credit card in Canada?

There are over 80 Visa credit cards in Canada. Check out our Best Visa Credit Cards page.

What is the difference between Visa, Visa Infinite, and Visa Infinite Privilege?

Visa offers three levels of benefits in Canada:

Visa standard: basic protections (zero liability, contactless payment).
Visa Infinite: adds concierge service, Visa Infinite Dining access, extended travel insurance, and an income requirement ($60,000 personal or $100,000 household).
Visa Infinite Privilege: higher tier with VIP lounge access, an additional traveller included, 24/7 concierge, and enhanced insurance (income requirement $200,000 personal or $200,000+ household).

Are Visa cards accepted at Costco in Canada?

No. Costco Canada exclusively accepts Mastercard cards in-store and at the gas station. Visa and American Express are not accepted in Costco stores.

However, online purchases on Costco.ca accept Visa and Mastercard. If you regularly shop at Costco, a Mastercard remains essential in your wallet.

How does the Visa Infinite Concierge service work?

The Visa Infinite Concierge service is available 24 hours a day, 7 days a week to Visa Infinite or Visa Infinite Privilege cardholders. It gives:

Reservations for restaurants, hotels, and rentals worldwide.
Purchasing tickets for shows, concerts, and sporting events.
Sourcing gifts, flowers, and gift baskets.
Coordinating travel, transfers, and special services.

The service is free; you only pay for the services rendered (restaurant, tickets, etc.).

What is Visa Infinite Dining and Visa Infinite Hotel Collection?

Two exclusive programs for Visa Infinite cardholders:

Visa Infinite Dining – access to exclusive menus and private culinary experiences at the best restaurants in Canada (Joe Beef, Toqué!, Edulis, etc.).
Visa Infinite Hotel Collection – stays at more than 900 luxury hotels with benefits included: breakfast for two, upgrade on arrival (based on availability), a $25 to $100 credit to use at the hotel, and late check-out.

Booking through the Visa Infinite portal with your eligible card.