Visa Infinite Benefits

Visa Infinite benefits include a concierge service, travel insurance, purchase protection, luxury hotel perks and discounts with various retailers. Visa Infinite is the highest Visa credit card tier, so it offers the most premium benefits. You’ll get all of the benefits from regular Visa or Visa Signature cards, plus a lot more.

Keep in mind that some Visa Infinite benefits come with every Visa Infinite card, while others are only offered if the card’s issuer decides to include them. It’s a good idea to read a card’s benefits guide before applying.

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Visa Infinite Benefits Compared to Lower Tiers

Visa Infinite Cards give you even more than regular Visa and Visa Signature cards. Below, you can see how the three tiers stack up.

Visa Infinite Benefits

Some benefits only come standard on Visa Infinite credit cards. A few, like travel insurance, may appear on Visa Signature cards, but whether they do or not is completely up to the issuer. You shouldn’t expect them on any cards other than Visa Infinite.

• Travel accident insurance: Visa may award you up to $500,000 if you or one of your dependents get maimed or killed while in transit. This includes travel by plane, bus, cruise ship and more. Coverage applies when you pay for your ticket with your card.
• Trip cancellation/interruption insurance: You’re entitled to as much as $2,000 for each trip that gets cancelled or stopped early because of something like injury, illness or death (you or a family member). Certain exceptions apply, like pre-existing conditions or surgery that’s purely cosmetic.
• Trip delay insurance: If your trip is delayed at least 6 hours, Visa will give you up to $500 per ticket bought with your card. This only applies to extra expenses caused by the delay, like having to buy an extra meal.
• Lost luggage insurance: If the travel provider loses your bags, you’re entitled to as much as $3,000 per trip through Visa. Visa won’t pay for things like glasses, legal documents, cell phones and more.
• Purchase security: This can give you up to $10,000 per claim and $50,000 per year. It reimburses you for items you buy with your card that are stolen or damaged within 90 days of purchase. Pre-owned items aren’t covered, along with items that are hard-wired or installed in your house.
• Extended warranty protection: Visa will add up to one additional year of coverage to the existing warranties of items that you purchase using your card.
• Return protection: Visa may award up to $300 per item and $1,000 per account for new, working items you want to return but are unable to due to store policy. You’ll need to provide proof like your sales receipt and card receipt.
• Global Entry statement credit: $100 statement credit every 4 years for a Global Entry application. Global entry allows you to get through airport security more quickly.

Other Benefits on Visa Infinite Cards

Visa Infinite cards also share a number of benefits with Visa Traditional and/or Visa Signature cards. Below are some of the most notable. Not all benefits will come with all cards, though.

• Rental car insurance: Available on Visa Infinite and Signature cards, this benefit covers you up to the cash value of most cars you rent with your card in the event of physical damage, vandalism or theft. With Visa Infinite cards, you’re also covered for “expensive” vehicles (e.g. Aston Martin, Lamborghini), up to $75,000 in value. You must decline the rental agency’s insurance. Visa limits the types of cars and situations that are covered, so read your benefits guide in detail.
• Roadside dispatch: All Visa cards have this benefit. It’s a 24/7 help line that will send someone to change tires, give you a jump or help with other needs. You must pay for all the services used.
• Emergency card replacement: This benefit comes on all Visa cards. Visa will expedite your new card’s shipping, getting it to you in 24-72 hours, no matter where you are in the world.
• Emergency cash disbursement: This is available on all Visa cards. If you lose your card, Visa will arrange for you to be able to pick up cash at a nearby financial institution.
• Luxury Hotel Collection: When you stay at any hotel in this program, you get VIP status, free breakfast and Wi-Fi. You also get a free upgrade, if available, plus a daily $25 food and beverage credit, one amenity unique to the hotel and more. Visa Signature cards include this perk, too.
• Car rental privileges: You can get special discounts and deals when renting from certain rental car companies. Visa Signature and Infinite cards are eligible, but Visa Infinite cardholders get perks with a larger number of companies.
• Concierge: 24/7 hotline where Visa representatives will help you make purchases. They can find a restaurant reservation, give recommendations, purchase tickets for you when they go on sale and more. Visa Signature cards share this benefit.
• Golf discounts: You will receive deals on golf fees and merchandise, along with Platinum status and access to private and exclusive courses, when you join Troon Rewards with your Visa Infinite card number. Visa Signature cardholders can also get golf discounts, along with Silver status with Troon Rewards.
• Wine discounts: You can get deals at Sonoma wineries when you pay with your card. Visa Signature and Infinite cards both are eligible, but Infinite cards may get better perks.
• Travel & Emergency Assistance: You can get access to a number of different services, like translation, medical referrals, legal referrals and a lost luggage locator, by calling 1-800-992-6029 in the U.S., or 804-673-1675 collect from abroad. Visa Signature cards also have this.
• Price protection: If you buy an item with your card and it goes on sale shortly after, this benefit can reimburse you for the price difference. Depending on the issuer, it can be available on Visa Infinite and Signature cards.
• Cell phone protection: This provides insurance for your cell phone against damage or theft when you pay the bill with your credit card. It may be available on Visa Infinite and Signature cards, depending on the issuer. There is a $50 deductible.
• Airport lounge access: You can get access to over 1,300 airport lounges worldwide with a Priority Pass Select membership. Depending on the issuer, this may be available on Visa Infinite and Signature cards.
• Airline incidentals rebate: You can get reimbursed for airline-related purchases like accelerated airport security, in-flight food, checked-luggage charges and more. You may be able to get this benefit on Visa Infinite and Signature cards, depending on the issuer.
• Skillshare perks: Visa Infinite cards give three free months of Skillshare membership, plus a 30% annual membership discount. Visa Signature cards give three free months and a 20% discount.
• Shipt perks: Visa Infinite cards give a free Shipt membership through 12/31/24. Visa Signature cards give three months free and nine months 50% off, while Visa Traditional cards give one month free and three months 50% off. All Visa cards get you free delivery on orders of $35+.
• Sofar Sounds perks: Visa Infinite and Visa Signature cards give a free ticket per show with the purchase of one or more tickets. Visa Traditional has this benefit but limits it to twice a year. All Visa cards also get access to 7-day Visa-exclusive presales.

In addition to these benefits, Visa Infinite cards always come with $0 fraud liability. That means you won’t be liable for any fraudulent transactions made with your card. Visa Infinite cards also give you a credit limit of at least $10,000. Visa Signature cards give limits of $5,000 and up, while regular Visa cards have lower limits.