The Meridian Visa Infinite Travel Rewards Card is a premium travel credit card from Meridian Credit Union, built on the Visa Infinite platform. It offers global acceptance, flexible rewards, and travel-focused benefits for users with strong financial profiles. In this guide, you’ll find a full breakdown of the card’s features, application criteria, advantages, and potential drawbacks—so you can evaluate if it fits your lifestyle and goals.

If you’re a frequent traveler or plan to spend abroad, the Meridian Visa Infinite Travel Rewards Card offers a rewards structure that supports that lifestyle. It combines high-value insurance coverage with bonus points for foreign spending and access to premium services. This article helps you assess whether the card’s features align with your habits and justify its annual cost.

Main features of the Meridian Visa Infinite Travel Rewards Card

This card earns 3 points for every $2 spent on everyday purchases and 6 points for every $2 spent in foreign currencies. It has a $99 annual fee, and each additional card costs $30. The purchase interest rate is 19.50%, while cash advances are charged at 21.99%. With simple terms and a high foreign currency earn rate, this card is designed for consistent use, particularly by those who travel often.

Requirements for approval

To qualify, applicants need a personal income of $60,000 or a household income of $100,000. Alternatively, $250,000 in assets under management or $30,000 in annual credit card spending may meet eligibility. A strong credit score is also recommended. The application process includes a credit check and financial assessment to verify if your income and history match the profile Meridian expects for this Visa Infinite product.

Benefits of the Meridian Visa Infinite Travel Rewards Card

Cardholders receive comprehensive travel insurance, including up to $5 million in emergency medical coverage, trip cancellation and interruption protection, and baggage delay insurance. Benefits also include luxury hotel offers, exclusive dining experiences, and Visa Infinite Concierge access. For travelers who want coverage, comfort, and assistance, these services make the card useful both abroad and at home, especially for those managing frequent itineraries.

Exclusive highlight

The card’s most unique feature is its 6-points-per-$2 earn rate on foreign currency purchases. That’s twice the regular earn rate and adds value for those spending in other countries. Whether you’re shopping online from global retailers or traveling internationally, every foreign purchase gets a faster return. This benefit helps offset foreign transaction fees and supports faster reward accumulation when cardholders use it strategically abroad.

Disadvantages and points of attention of the Meridian Visa Infinite Travel Rewards Card

While the Meridian Visa Infinite Travel Rewards Card has valuable perks, it may not suit all users. The $99 annual fee is only worthwhile if you use its travel benefits often. The highest earn rate applies to spending in foreign currencies, which won’t benefit people who shop only in Canada. Infrequent travelers or low spenders may find that the rewards don’t outweigh the ongoing cost of holding the card.

Application process

You can apply online through Meridian’s website or visit a local branch. The application requires personal, financial, and employment information. After submission, most users receive a decision within a few business days. If approved, the card will be mailed to your address. The process is clear, streamlined, and typical of credit card applications across major Canadian financial institutions.

Who is the card ideal for?

This card is ideal for frequent travelers who make purchases in foreign currencies and value premium services like travel insurance and concierge support. The reward system is most effective when used abroad, so international spending habits help maximize its value. For users who travel regularly, the $99 fee is balanced by the points earned and services received throughout the year.