Meridian Visa Infinite Travel Rewards Card Review



Annual Fee


Annual Rewards


Intro Offer


Annual fee


Annual rewards


Intro offer


  • Earns 3 points per $1 spent on travel and dining purchases.
  • 1.5 points per $1 spent on all other purchases.
  • No foreign transaction fees on purchases made in foreign currencies.
  • Travel insurance coverage and mobile device insurance included.
  • Priority Pass membership with 6 lounge visits per year.
  • Meridian is a Canadian credit union providing personalized customer service.


  • Has an annual fee of $129.
  • Additional cardholders’ fee is $30.
  • Credit card balance transfers and cash advances do not earn reward points.
  • Priority Pass membership has a limited number of free visits before charges may apply.
  • Does not have as many perks as some competing travel-focused cards.
  • Meridian credit cards may not have as wide acceptance due to being from a smaller credit union.

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 Meridian Visa Infinite Travel Rewards Card, here’s how you earn rewards:

Bills1 point
Pharmacy1 point
Gas1 point
Groceries1 point
Restaurants / Delivery1 point
Specific Stores1 point
Travel1 point
All Other Spend1 point

How much your rewards are worth

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

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

Redemption methodAnnual rewards
Meridian travel$240

Calculating your annual rewards

$24,000 annual spending x {{max_earn_rate}}% return on spending = $240 annual rewards

$240 annual rewards – $99 annual fee = $$141 net annual rewards

Details and eligibility

Do I qualify?
Estimated Credit Score760 – 900
Interest Rates
Cash Advance21.99%
Balance Transfer21.99%
Annual Fee$99
Card typeVisa

Insurance coverage

Extended Warranty1 year
Purchase Protection90 days
Travel Accident$1,000,000
Emergency Medical Term48 days
Emergency Medical over 6515 days
Trip Cancellation$2,000
Trip Interruption$2,000
Baggage Delay$500
Lost or Stolen Baggage$1,000
Rental Car Theft & DamageYes
Mobile Phone Insurance$1,000
Price Protection InsuranceYes

Meridian Visa Infinite Travel Rewards Card Review

The Meridian Visa Infinite Travel Rewards Card is an excellent option for Canadians who frequently travel and prefer to earn rewards through their credit card spending. This review will break down the earning potential of the card, list four major benefits, and highlight two significant drawbacks of using the Meridian Visa Infinite Travel Rewards Card.

Earning potential with the card

With the Meridian Visa Infinite Travel Rewards Card, cardholders earn 3 points per dollar spent on eligible travel, dining, and gas purchases, and 1.5 points per dollar on all other eligible purchases. This tiered earning structure enables cardholders to maximize their rewards in popular spending categories.

Benefit 1 

One substantial advantage of the Meridian Visa Infinite Travel Rewards Card is its comprehensive travel insurance package. Cardholders receive coverage for emergency medical, trip cancellation/interruption, baggage, car rental, and other travel-related protection measures – bringing peace of mind when on the go.

Benefit 2

The second significant advantage of this card is the no-fee airport lounge access with four complimentary passes per year. Cardholders can enjoy the comfort and relaxation of over 1,200 VIP airport lounges worldwide.

Benefit 3

The Meridian Visa Infinite Travel Rewards Card also offers 24/7 Visa Infinite Concierge service, offering personalized assistance with a wide range of services such as travel bookings, dining reservations, event tickets, and more.

Benefit 4

Another notable advantage is that this card is protected with Visa’s Zero Liability, which provides cardholders security from unauthorized use of their card and guarantees zero liability for fraudulent charges.

Drawback 1

A significant drawback of the Meridian Visa Infinite Travel Rewards Card is the annual fee of $169. While the range of benefits does help taper the cost, those who don’t travel as frequently may not find the fee worth the benefits provided.

Drawback 2

The second drawback to consider is the limited choice in travel rewards redemption. Points must be redeemed through the Meridian Rewards Program instead of transferring to another loyalty program, which may limit the flexibility in redeeming rewards for some cardholders.

Additional information

Notably, Meridian offers a first-year annual fee waiver, effectively providing all benefits at no cost for the first 12 months – a unique opportunity for Canadians to try out the card before committing to an annual fee.

In summary, the Meridian Visa Infinite Travel Rewards Card is a well-rounded option for Canadians who wish to maximize their travel-related rewards and benefits.

The comprehensive travel insurance coverage combined with the lounge access and other value-added components make it a competitive travel rewards card; however, potential users should consider the annual fee and rewards redemption limitations before applying.

Interested in other credit cards? Canadians that like the Meridian Visa Infinite Travel Rewards Card credit card also like the Meridian Visa Infinite Cash Back Card. If you’re looking for other options you should consider the Meridian Visa Platinum Travel Rewards Card, and the Meridian Visa Platinum Cash Back Card.


With the Meridian Visa Infinite Travel Rewards Card, you can redeem your points for a wide variety of rewards, providing great flexibility and value. The following describes the redemption options available:

  • Travel Rewards: You can use your points to book flights, hotel stays, cruises, vacation packages, and car rentals. The Meridian Rewards Program features no blackout dates or seat restrictions, granting you the freedom and flexibility to travel when you choose.
  • Merchandise: Meridian Rewards catalog offers a vast selection of brand-name items across various categories, including electronics, appliances, jewelry, home decoration, and more. You can use your points to purchase these products directly from the catalog.
  • Gift Cards: Redeem your points for gift cards from various retailers, including top grocery stores, restaurants, gas stations, and popular entertainment venues. This option allows you to save on your everyday expenses or treat yourself to an enjoyable night out.
  • Experience Rewards: If you prefer memorable experiences over material goods, you can use your points to book unique activities and events, such as wine tastings, spa days, or tickets to exclusive concerts and shows.
  • Charitable Donations: Your points can also be turned into charitable donations, allowing you to support a range of meaningful causes and organizations according to your personal values and priorities.

The Meridian Visa Infinite Travel Rewards Card does not charge any foreign transaction fees for purchases made abroad or in foreign currencies. This means that cardholders can enjoy the convenience of using their credit card for international transactions without incurring any additional costs compared to domestic purchases.

The Meridian Visa Infinite Travel Rewards Card has a minimum annual income requirement of $60,000 for an individual or a combined household income of at least $100,000. Applicants who meet these income criteria are eligible to apply for this credit card.

Key benefits

  • Meridian Visa Infinite Travel Rewards Card
  • Versatile reward points system for redemptions
  • Enhanced security with Verified by Visa feature
  • Award-winning customer service
  • Complimentary travel accident insurance and emergency health care coverage
  • Car rental collision/loss damage insurance
  • Personalized financial guidance available
  • Visa Infinite Concierge services for dining and event reservations
  • Flexible payment plans for larger purchases
  • Accessible online account management via Meridian Mobile Banking
  • 24/7 fraud protection and Zero Liability protection

About The Author