ManulifeMONEY+ Visa Infinite Review



Annual Fee


Annual Rewards


Intro Offer


Annual fee


Annual rewards


Intro offer


  • Earn 3% cash back on grocery purchases
  • Earn 2% cash back on recurring bill payments and transit purchases
  • Earn 1% cash back on all other purchases
  • Complimentary Airport Lounge Access
  • Comprehensive Travel Insurance
  • Purchase Protection and Extended Warranty coverage
  • Visa Infinite privileges, including access to exclusive events, offers, and dining experiences


  • $120 annual fee
  • Requires a high income of at least $60,000 (individual) or $100,000 (household)
  • No bonus cash back categories, limiting higher rewards potential
  • No introductory offer or sign-up bonus
  • Limited benefits for non-travelers
  • 3% cash back on groceries capped at $15,000 annual purchases

How you earn rewards

Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. With ManulifeMONEY+ Visa Infinite, here’s how you earn rewards:

Restaurants / Delivery1%
Specific Stores2%
All Other Spend1%

How much your rewards are worth

The dollar value of your rewards depends on the specific Manulife rewards program and what you choose to redeem your points for.

For ManulifeMONEY+ Visa Infinite in particular, if you spend $2,000 per month, here’s our estimated rewards earned depending on which reward you choose:

Redemption methodAnnual rewards
Apply to statement credit$521

Calculating your annual rewards

$24,000 annual spending x {{max_earn_rate}}% return on spending = $372 annual rewards

$372 annual rewards – $120 annual fee = $$252 net annual rewards

Details and eligibility

Do I qualify?
Estimated Credit Score760 – 900
Personal Income$60,000
Household Income$100,000
Interest Rates
Cash Advance21.99%
Balance Transfer21.99%
Annual Fee$120
Card typeVisa

Insurance coverage

Extended Warranty1 year
Purchase Protection90 days
Travel Accident$500,000
Emergency Medical Term15 days
Emergency Medical over 653 days
Trip Interruption$2,000
Flight Delay$500
Baggage Delay$500
Rental Car Theft & DamageYes

ManulifeMONEY+ Visa Infinite Review

The ManulifeMONEY+ Visa Infinite credit card is designed to offer its users various earning potentials, benefits, and valuable perks in one package. With this credit card, Canadians can enjoy different levels of rewards for their everyday spending. Let’s discuss the earning potential, benefits, and drawbacks of this card.

Earning potential with the card

The ManulifeMONEY+ Visa Infinite allows you to earn cash back rewards at different rates for various spending categories. You can earn 3% cash back on grocery purchases, 2% cash back on travel and restaurant spending, and 1% cash back on all other purchases. This varied rewards structure makes it quite useful for different types of spenders.

Benefit 1: High Earn Rate on Groceries

The first significant advantage of this card is the 3% cash back rate on grocery purchases. This high rate increases your earning potential, especially if you frequently shop for groceries.

Benefit 2: No Limit on Cash Back Earned

Another advantage of the ManulifeMONEY+ Visa Infinite credit card is that there’s no cap on how much cash back you can earn throughout the year. This feature allows you to maximize your rewards as your spending increases.

Benefit 3: Travel Benefits & Insurance Coverage

This credit card offers a variety of travel benefits and insurance coverage for its users. With the ManulifeMONEY+ Visa Infinite, you get access to comprehensive travel insurance, including emergency medical coverage, trip cancellation, and more. These added protections add value and convenience to your travel experiences.

Benefit 4: Exclusive Visa Infinite Perks

The fourth major advantage of this card is access to the exclusive Visa Infinite concierge service and other Visa Infinite benefits. These perks include special access to events, unique dining experiences, and various luxury travel upgrades, adding a touch of exclusivity to your card membership.

Drawback 1: Annual Fee

A significant drawback of the ManulifeMONEY+ Visa Infinite credit card is its $120 annual fee. This cost might discourage those who are not likely to take full advantage of the rewards and benefits that the card has to offer.

Drawback 2: Limited Transfer Options

Another drawback of this card is the limited cash back redemption options. ManulifeMONEY+ Visa Infinite does not offer users the option to transfer their cash back rewards to other loyalty programs or frequent flyer miles. This can limit your reward redemption choices compared to cards with more flexible rewards programs.

Additional Information

It’s worth noting that the ManulifeMONEY+ Visa Infinite credit card has a minimum annual personal income requirement of $60,000 or a minimum household income of $100,000. This requirement might exclude some potential users who do not meet these criteria from accessing the card’s benefits and features.

In conclusion, the ManulifeMONEY+ Visa Infinite credit card is best suited for Canadians who heavily spend on groceries, travel, and dining. It’s ultimately up to potential users to weigh the benefits and drawbacks and consider if this card makes sense for their needs and spending habits.

Interested in other credit cards? If the ManulifeMONEY+ Visa Infinite credit card isn’t perfect for you, you might want to consider the Brim MasterCard. Plus, many Canadian’s that like the ManulifeMONEY+ Visa Infinite like the Vancity enviro Classic Visa (Low Rate Rewards), and the KOHO Easy Mastercard.


With the ManulifeMONEY+ Visa Infinite credit card, you can redeem your points for a variety of rewards, such as:

  • Travel Rewards: Use your points to book flights, hotel stays, and car rentals, or exchange them for travel vouchers, allowing you to customize your trip and enjoy greater flexibility.
  • Merchandise Rewards: Redeem your points for a wide range of products, including electronics, appliances, and more through the Manulife Rewards catalogue.
  • Gift Card Rewards: Choose from an extensive selection of popular retailers and restaurants to redeem your points for gift cards, giving you the perfect opportunity to treat yourself or others.
  • Financial Rewards: Dedicate your earned points towards your financial goals by redeeming them for contributions to your Manulife investment or insurance products, or as cashback to offset your future credit card statement balances.
  • Charitable Donations: If you’re feeling philanthropic, use your points to make a donation to a variety of charitable organizations, helping you make a positive impact on the causes that matter most to you.

The ManulifeMONEY+ Visa Infinite credit card charges a foreign transaction fee of 2.5% on any purchases made in a currency other than Canadian dollars. This fee is added to the converted transaction amount in Canadian dollars to cover the costs associated with processing foreign currencies.

The ManulifeMONEY+ Visa Infinite credit card has a minimum income requirement of $60,000 for individual applicants, or $100,000 for households. Applicants must meet this income threshold in order to qualify for the card.

Key benefits

  • Robust cash back earnings in everyday categories
  • Generous 3% return on grocery spending
  • Boosted 2% cash back rate for bill payments and transit costs
  • Steady 1% rewards rate on all other eligible transactions
  • Gratifying complimentary access to airport lounges
  • Comprehensive suite of travel insurance benefits
  • Valuable purchase protection and extended warranty on eligible items
  • Exclusive Visa Infinite luxury experiences and perks
  • $120 annual fee for card membership
  • High income eligibility requirements of $60K+ (individual) or $100K+ (household)
  • Absence of bonus cash back categories narrows rewarding potential
  • Lack of enticing introductory offers or new customer bonuses
  • Limited utility of benefits for lifestyle not focused on travel
  • 3% grocery cash back reward capped at $15K per annum

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