Meridian Visa Infinite Travel Rewards Card Review

Item: Meridian Visa Infinite Travel Rewards Card
Rating: 4.2
Author: Sara Skodak

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.

Mar 2, 2026 3:09 PM

Written By

Sara Skodak

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

Meridian Visa Infinite Travel Rewards Card

4.2

Finly Rating

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)

Rewards Rate

1.5% - 3%

Points

Annual Fee

$99 $0

Interest Rates

19.50% / 21.99%

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

Get your free credit score

Card Details

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 (64 & under)
48 days
Travel Medical Insurance (65 to 75)
15 days
Trip Cancellation
$2,000
Trip Interruption
$2,000
Baggage Delay
$500
Lost or Stolen Baggage
$1,000
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
Good
Annual 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

Card Type

Credit

Reward Type

Points

Loyalty Program

Meridian Rewards

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.

✅ First-Year Fee Rebate

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.

✅ Strong Rewards Program

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.

✅ Impressive Insurance Coverage

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.

❌ Restricted to Ontario Residents

Unfortunately, to qualify for this card, you'll need to be a resident of Ontario.

❌ High Income Requirements

Another obstacle applicants may face are the Meridian Visa Infinite Travel Rewards Card's high annual income requirements, making the card less accessible.

❌ Foreign Transaction Fees

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.

Compare to Similar Cards

Comparison to Other Travel Rewards Cards

To help you decide whether the Meridian Visa Infinite Travel Rewards Card is the best contender for you, we've compared it against other travel reward credit cards in Canada.

	Meridian Visa Infinite Travel Rewards Card	MBNA Rewards World Elite® Mastercard®	American Express Cobalt® Card	Scotiabank Gold American Express® Card
Welcome Bonus	Earn 7,000 reward points‡ on first purchase (up to $70 value)	Up to 30,000 points ($245 in cash back value or $300 when redeemed for MBNA Travel)††	Up to 15,000 Membership Rewards® points	Earn up to $850 in welcome offers
Earn Rates	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	Earn 5 points^‡ for every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases until $50,000 is spent annually in the applicable category. 1 point^‡ for every $1 on all other eligible purchases. Each year, you will receive Birthday Bonus Points^‡ equal to 10% of the total number of Points the Account earned in the 12 months before the month of the primary cardholder's birthday, to a maximum Birthday Bonus each year of 15,000 Points.	5x points per $1 spent on eligible eats and drinks in Canada, including groceries and food delivery (up to 12,500 points per month) 3x points per $1 spent on eligible streaming subscriptions in Canada 2x points per $1 spent on eligible gas, transit & ride share in Canada 1x point per $1 spent on all other purchases	Earn 6x Scene+ points on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more* Earn 5x Scene+ points for every $1 you spend on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.* Earn 5x Scene+ points for every $1 you spend in Canada eligible entertainment purposes. Includes movies, theatre and ticket agencies stores.* Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible gas and daily transit options. Includes rideshares, buses, subway, taxis and more* Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible select streaming services* Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases Earn additional benefits + up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
Insurance Included	12 types 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 (64 & under) 48 days Travel Medical Insurance (65 to 75) 15 days Trip Cancellation $2,000 Trip Interruption $2,000 Baggage Delay $500 Lost or Stolen Baggage $1,000 Car Rental Damage & Theft Max car value of $65k, up to 48 days Price Protection $100 per item, $500 per year	9 types Mobile Device Insurance $1000 Purchase Protection Up to 90 days Extended Warranty Up to a year Car Rental Damage & Theft 31 days Flight Delay $500/person after 4 hours Common Carrier Travel Accident Insurance $1,000,000 Travel Medical Insurance (64 & under) $2M for 21 days Lost or Stolen Baggage $1000/person Baggage Delay $1000/person	10 types Travel Medical Insurance (64 & under) 15 days, up to $5M (if under age 65) Flight Delay $500 Baggage Delay $500 Hotel Burglary Insurance $500 Lost or Stolen Baggage $500 Common Carrier Travel Accident Insurance $250,000 Car Rental Damage & Theft yes Mobile Device Insurance $1,000 Purchase Protection 90 days Extended Warranty 1 year	13 types Travel Medical Insurance (64 & under) $1M, Up to 25 days Travel Medical Insurance (65 to 75) $1M, Up to 3 days Trip Cancellation $1,500/person, $10,000/trip Trip Interruption $1,500/person, $10,000/trip Lost or Stolen Baggage $500/person, $1,000/trip Baggage Delay $500/person, $1,000/trip After 4 hours Flight Delay $500/person Common Carrier Travel Accident Insurance $500K/person, $1M/occurrence Car Rental Damage & Theft $65K up to 48 days Hotel Burglary Insurance $1,000/occurrence Mobile Device Insurance $1,000 Purchase Protection 90 days Extended Warranty Up to 1 year
Benefits	1 benefit Visa Infinite Exclusive Benefits	5 benefits Annual Birthday Bonus 10% of the Points earned the 12 months prior to the primary cardholder's birthday month (up to a max 15,000 bonus points per year) Car Rental Discount 10% off base rate of Avis Rent A Car and Budget Rent A Car in Canada and US and 5% internationally Trip and legal Assistance Concierge Services Price Protection $500/item, $1000/account per year	2 benefits Amex Experiences™ Access Front Of The Line® Amex Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with Amex Experiences™ Travel Credit Book two or more consecutive nights at participating properties through The Hotel Collection with American Express Travel to receive a $100 credit for amenities or a complimentary room upgrade, if available.	4 benefits No Foreign Transaction Fees Avoid the 2.5% foreign transaction fees incurred when spending in non $CAD American Express® Experiences Concierge Services Discount Discount on PriorityPass Membership
Annual Fee	$99 (First Year Rebated)	$120	$191.88	$120
Income Requirements	$60,000 personal or $100,000 household	$80,000 personal or $150,000 household	N/A	$12,000 personal or $12,000 household
Apply Now	APPLY NOW	APPLY NOW	APPLY NOW	APPLY NOW

Meridian Visa Infinite Travel Rewards Card vs MBNA Rewards World Elite Mastercard

Listed as one of the best travel credit cards in Canada, the MBNA Rewards World Elite Mastercard earns cardholders tons of MBNA Rewards points per dollar spent on eligible restaurant, grocery, digital media, membership, and household utility purchases. These points hold the same value as Meridian Rewards points on travel, but are weaker when redeemed towards gift cards, merchandise, and statement credits. The MBNA Rewards World Elite Mastercard also comes with less coverage, but makes up for it by offering more perks like an annual birthday bonus of extra points, concierge services, and trip and legal assistance. While this card has a higher annual fee and income requirements, it's available to all Canadians.

Verdict: The MBNA Rewards World Elite Mastercard offers better optimization on CAD everyday expenses, better perks, and geographical accessibility. That said, Meridian Rewards points are worth more overall, and the Meridian Visa Infinite Travel Rewards Card is more affordable.

Meridian Visa Infinite Travel Rewards Card vs American Express Cobalt Card

Constantly referred to as one of the best credit cards in Canada, the American Express Cobalt Card collects excellent American Express Membership Rewards points per dollar spent on dining, groceries, streaming, gas, and transit. When it comes to travel redemptions, American Express Membership Rewards points hold a much higher cent-per-point value and the same cpp value on statement credits. While the coverage on the Meridian Visa Infinite Travel Rewards Card is still superior, the Cobalt card includes a valuable hotel-oriented travel credit as one of its unique perks. Plus, even though the Cobalt card has a higher annual fee, this fee is paid monthly, making it much more manageable. Cardholders also avoid annual income requirements.

Verdict: The American Express Cobalt Card offers better travel optimization and redemptions for a higher annual cost.

Meridian Visa Infinite Travel Rewards Card vs Scotiabank Gold American Express Card

To collect plenty of Scene+ points redeemable towards travel, try the Scotiabank Gold American Express Card, one of the best no foreign transaction fee credit cards in Canada. With this card, Scene+ points are rewarded per dollar spent on groceries, dining, entertainment, gas, transit, streaming, travel, and more. When redeemed towards travel, Scene+ points yield a similar cent-per-point value. Unlike other travel point collectors thus far, the Scotiabank Gold American Express Card offers better travel coverage compared to the Meridian Visa Infinite Travel Rewards Card, plus better perks like no foreign transaction fees, concierge services, and a discount on a PriorityPass Membership. While this competitor is pricier annually, it has much lower income requirements.

Verdict: The Scotiabank Gold American Express Card offers better travel optimization, coverage, and perks for a higher annual fee but lower income requirements. Unlike the Meridian Visa Infinite Travel Rewards Card, this contender waives foreign transaction fees.

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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What's on this Page

The Bottom Line
Welcome Bonus Details
Card Details
Pros & Cons
Our Detailed Review
Compare to Similar Cards
Benefits and Perks
Drawbacks and Considerations
Frequently Asked Questions

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Meridian Visa Infinite Travel Rewards Card

4.2

FinlyWealth Rating

APPLY NOW

on Meridian's website

Get personalized rewards estimates — see exactly how much you could earn.

Meridian Visa Infinite Travel Rewards Card Points Calculator

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.

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Meridian Visa Infinite Travel Rewards Card

MBNA Rewards World Elite® Mastercard®

American Express Cobalt® Card

Scotiabank Gold American Express® Card

Welcome Bonus

Earn 7,000 reward points‡ on first purchase (up to $70 value)

Up to 30,000 points ($245 in cash back value or $300 when redeemed for MBNA Travel)††

Up to 15,000 Membership Rewards® points

Earn up to $850 in welcome offers

Earn Rates

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

Earn 5 points^‡ for every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases until $50,000 is spent annually in the applicable category.
1 point^‡ for every $1 on all other eligible purchases.
Each year, you will receive Birthday Bonus Points^‡ equal to 10% of the total number of Points the Account earned in the 12 months before the month of the primary cardholder's birthday, to a maximum Birthday Bonus each year of 15,000 Points.

5x points per $1 spent on eligible eats and drinks in Canada, including groceries and food delivery (up to 12,500 points per month)
3x points per $1 spent on eligible streaming subscriptions in Canada
2x points per $1 spent on eligible gas, transit & ride share in Canada
1x point per $1 spent on all other purchases

Earn 6x Scene+ points on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more*
Earn 5x Scene+ points for every $1 you spend on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.*
Earn 5x Scene+ points for every $1 you spend in Canada eligible entertainment purposes. Includes movies, theatre and ticket agencies stores.*
Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible gas and daily transit options. Includes rideshares, buses, subway, taxis and more*
Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible select streaming services*
Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
Earn additional benefits + up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia

Insurance Included

12 types

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 (64 & under)
48 days
Travel Medical Insurance (65 to 75)
15 days
Trip Cancellation
$2,000
Trip Interruption
$2,000
Baggage Delay
$500
Lost or Stolen Baggage
$1,000
Car Rental Damage & Theft
Max car value of $65k, up to 48 days
Price Protection
$100 per item, $500 per year

9 types

Mobile Device Insurance
$1000
Purchase Protection
Up to 90 days
Extended Warranty
Up to a year
Car Rental Damage & Theft
31 days
Flight Delay
$500/person after 4 hours
Common Carrier Travel Accident Insurance
$1,000,000
Travel Medical Insurance (64 & under)
$2M for 21 days
Lost or Stolen Baggage
$1000/person
Baggage Delay
$1000/person

10 types

Travel Medical Insurance (64 & under)
15 days, up to $5M (if under age 65)
Flight Delay
$500
Baggage Delay
$500
Hotel Burglary Insurance
$500
Lost or Stolen Baggage
$500
Common Carrier Travel Accident Insurance
$250,000
Car Rental Damage & Theft
yes
Mobile Device Insurance
$1,000
Purchase Protection
90 days
Extended Warranty
1 year

13 types

Travel Medical Insurance (64 & under)
$1M, Up to 25 days
Travel Medical Insurance (65 to 75)
$1M, Up to 3 days
Trip Cancellation
$1,500/person, $10,000/trip
Trip Interruption
$1,500/person, $10,000/trip
Lost or Stolen Baggage
$500/person, $1,000/trip
Baggage Delay
$500/person, $1,000/trip After 4 hours
Flight Delay
$500/person
Common Carrier Travel Accident Insurance
$500K/person, $1M/occurrence
Car Rental Damage & Theft
$65K up to 48 days
Hotel Burglary Insurance
$1,000/occurrence
Mobile Device Insurance
$1,000
Purchase Protection
90 days
Extended Warranty
Up to 1 year

Benefits

1 benefit

Visa Infinite Exclusive Benefits

5 benefits

Annual Birthday Bonus
10% of the Points earned the 12 months prior to the primary cardholder's birthday month (up to a max 15,000 bonus points per year)
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car in Canada and US and 5% internationally
Trip and legal Assistance
Concierge Services
Price Protection
$500/item, $1000/account per year

2 benefits

Amex Experiences™
Access Front Of The Line® Amex Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with Amex Experiences™
Travel Credit
Book two or more consecutive nights at participating properties through The Hotel Collection with American Express Travel to receive a $100 credit for amenities or a complimentary room upgrade, if available.

4 benefits

No Foreign Transaction Fees
Avoid the 2.5% foreign transaction fees incurred when spending in non $CAD
American Express® Experiences
Concierge Services
Discount
Discount on PriorityPass Membership

Annual Fee

$99 (First Year Rebated)

$120

$191.88

$120

Income Requirements

$60,000 personal or $100,000 household

$80,000 personal or $150,000 household

N/A

$12,000 personal or $12,000 household

Apply Now

APPLY NOW

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.

The Bottom Line

Welcome Bonus Details