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Meridian Visa Infinite Travel Rewards Card Review
The Meridian Visa Infinite Travel Rewards Card is an affordable travel credit card with amazing foreign purchase optimization, redemption values, and coverage. That said, it's only available to residents of Ontario.
Feb 20, 2026 2:56 PM
Written By
Lead Writer
The Bottom Line
If you live in Ontario, the Meridian Visa Infinite Travel Rewards Card is a great credit card for foreign purchase optimization, travel and everyday redemptions, and insurance coverage.
Skip to: Detailed Review
APPLY NOW
on Meridian's website
This card is only available to residents of Ontario.
Welcome Bonus
Earn 7,000 reward points‡ on first purchase (up to $70 value)
Annual Fee
$99 $0
Interest Rates
19.50% / 21.99%
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
Rewards
- Earn 3 reward points for every $1 spent (3% cash back) on purchases made outside Canada in foreign currencies
- Earn 1.5 reward points for every $1 spent (1.5% cash back) on other eligible purchases
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
Up to 1 year
Mobile Device Insurance
Up to $1,000 per occurrence
Common Carrier Travel Accident Insurance
$1M per insured person per trip
Travel Medical Insurance
48 daysTravel Medical Insurance (65+)
15 days
Trip Cancellation
$2,000
Trip Interruption
$2,000
Baggage Delay
$500
Lost or Stolen Baggage
$1,000.svg)
Car Rental Damage & Theft
Max car value of $65k, up to 48 days
Price Protection
$100 per item, $500 per year
Benefits
Details
Visa Infinite Exclusive Benefits
Eligibility
Credit Score
GoodAnnual Income
$60,000 personal or $100,000 household
*Terms and conditions apply. Offer only available to residents of Ontario. ‡The 7,000 bonus points offer is available for all new Personal Meridian credit card account holders who (i) apply for a Meridian credit card between March 1 and May 31, 2025 (ii) make their first purchase with new Meridian credit card on or before June 30, 2025. This offer may not be combined or used in conjunction with any other offer. It is not available to existing Meridian credit cardholders. A maximum of 7,000 bonus points per Member is allowed and we will awarded to the Member’s primary account. Please allow up to two billing cycles for bonus points to post to your account. Meridian reserves the right to cancel, modify or withdraw this offer at any time. Meridian Credit Union is not responsible for maintaining the content on this site. Please click on the ‘Apply Now’ link for the most up to date information. Check here for full details and current product information.
Welcome Bonus Details
The 7,000 bonus points offer is available for all new Personal Meridian credit card account holders who (i) apply for a Meridian credit card between March 1 and May 31, 2025 (ii) make their first purchase with new Meridian credit card on or before June 30, 2025. This offer may not be combined or used in conjunction with any other offer. It is not available to existing Meridian credit cardholders.‡
Card Details
Interest Rates
Purchase APR
19.50%
Cash Advance APR
21.99%
Balance Transfer APR
21.99%
Fees
Annual Fee
$99
Additional Cards
$30
Eligibility
Minimum Individual Income
$60,000
Minimum Household Income
$100,000
Credit Score Estimate
Good
Type
Pros & Cons
Pros
- Versatile Rewards
- Impressive insurance coverage
- First-year fee waiver
Cons
- Restricted to Ontario residents
- High income requirements
Our Detailed Review
How to Earn Rewards with the Meridian Visa Infinite Travel Rewards Card
With the Meridian Visa Infinite Travel Rewards Card, cardholders earn the following:
- 3 Meridian Rewards points per dollar spent (3% cash back) on purchases made outside of Canada in foreign currencies
- 1.5 Meridian Rewards points per dollar spent (1.5% cash back) on other eligible purchases
Clearly then, the Meridian Visa Infinite Travel Rewards Card is best for optimizing non-CAD purchases, making it a great travel companion.
How to Redeem Rewards with the Meridian Visa Infinite Travel Rewards Card
Once you've collected a solid amount of Meridian Rewards points, you can put them towards:
- Statement Credits (Cash)
- Merchandise
- Travel
- Gift Cards
Each redemption category yields the same cent-per-point value. To learn more about this loyalty program, check out our Credit Card Points Value Calculator.
Benefits and Perks
3 Benefits of the Meridian Visa Infinite Travel Rewards Card
There are a few benefits that make the Meridian Visa Infinite Travel Rewards Card one of the best Meridian credit cards in Canada.
For starters, the annual fee, which is already relatively low, is waived for the first year of membership, allowing cardholders to start collecting travel rewards without spending a dime.
The rewards program itself is also boast-worthy, earning cardholders strong Meridian Rewards points on non-CAD purchases, plus a decent amount on all other eligible purchases.
These points can then be redeemed at high values towards both travel and everyday expenses.
Travellers will also appreciate the Meridian Visa Infinite Travel Rewards Card's extensive coverage, featuring protections like trip interruption, trip cancellation, travel medical, and price protection insurance.
Drawbacks and Considerations
3 Drawbacks of the Meridian Visa Infinite Travel Rewards Card
When it comes to the Meridian Visa Infinite Travel Rewards Card, like any card, there are also some downsides you'll want to consider.
Unfortunately, to qualify for this card, you'll need to be a resident of Ontario.
Another obstacle applicants may face are the Meridian Visa Infinite Travel Rewards Card's high annual income requirements, making the card less accessible.
While the Meridian Visa Infinite Travel Rewards Card optimizes purchases made outside of Canada in foreign currencies, it doesn't waive the standard 2.5% foreign transaction fee on those purchases.
Frequently Asked Questions
No. You must be a resident of Ontario to apply for the Meridian Visa Infinite Travel Rewards Card.
The Meridian Visa Infinite Travel Rewards Card is worth it if you are an Ontario resident who wants an affordable travel rewards credit card with strong coverage.
Yes. Meridian Reward points offer a high cent-per-point value on all redemption categories, including statement credits, making it extremely flexible like a cash back card.
Yes, the Meridian Visa Infinite Travel Rewards Card has an annual fee, but it's lower compared to other travel rewards credit cards. The annual fee is also waived for the first year of membership.
About the author
Sara Skodak
Lead Writer
Since graduating from the University of Western Ontario, Sara has built a diverse writing portfolio, covering topics in the travel, business, and wellness sectors. As a self-started freelance content ...
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