Only a few American cards with “unlimited visa” brands – including Chase SapphireReserve® (See rates and fees), new Atmos™ Rewards Summit VisaInfinite® Credit Card and the Bank of America Altitude Reserve Visa Infinite® Card (new applicants are closed).
Information on Bank of America’s High Reserve Card has been independently collected by Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
If you are not sure what this name requires, we don’t blame you. The good news is that it offers other benefits to cardholders.
Let’s review the benefits of unlimited visas and how to use each benefit to be available. Remember that issuers can adjust or exclude certain benefits – we will also explore what this means.
What is an unlimited visa?
Visa Infinite is the card name for the Visa payment network. This name provides certain allowances and benefits to the cardholder that the issuer may modify. Thanks to their premium designation, Visa Infinite cards have a higher annual fee, with a minimum credit of $10,000 for approved accounts.
Travel and lifestyle benefits
Here is a summary of unlimited quotes for travel and lifestyle forgiveness visas. Remember that your card may have some or all of these benefits, so be sure to check your welfare guide.
Airline accidental statement of credit
Unlimited Visa Cardholders can enjoy rebates for certain fees related to flights. Examples include check baggage fees and on-flight purchases.
This benefit is not included in all visa unlimited cards, so check out the terms and benefits of your specific card. For example, Sapphire Reserve offers a travel credit of up to $300; airline accompanying fees are included under eligible fees.
Benefits of booking.com
When using Visa Infinite card on Booking.com, cardholders can earn 8% of travel credits on future bookings for future car rentals, flights, hotels, and more. To take advantage of this privilege, you must create a booking.com account.
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Remember that booking a hotel from an online travel agency has several drawbacks, such as not being able to earn hotel points or taking advantage of elite status benefits.
Related: 9 things to consider when choosing a booking directly through the portal
Car rental privileges
Cardholders receive special discounts at car rental providers such as Avis, National and Hertz, while also eligible for a variety of VIP amenities. Cardholders will obtain the following car rental elite status:
The Visa Infinite plan offers major car rental insurance (more on this later in the post), so using a qualified card while renting a car may be a good option.
Related: Roads on holidays? Everything you need to know about the status of the car rental elite
Hotel benefits
When you book a hotel in a luxury hotel collection with unlimited visas, you will enjoy stipends such as automatic room upgrades on arrival (if any), free Wi-Fi and a free continental breakfast.
Your Visa Infinite card will bring you all the benefits of a signature cardholder and provide additional amenities in over 200 locations.
Please note that the extra convenience you receive will vary by location. If you are looking for a specific one, it is a good idea to verify the amenities you will receive before booking.
Additionally, Visa Infinite offers benefits to the Relais & Chateaux property and offers privileges such as room upgrades (based on availability), daily breakfast and VIP welcome for all members of your team.
Your Visa Infinite card can also provide the issuer’s hotel statement credit that you cannot use when booking directly with Visa Infinite Hotels.
For example, Sapphire Conservation Area Provide cardholders with a credit line of up to $500 (up to $250 per year) with a prepaid expectation of at least two nights.
But, like Atmos Summit Do not offer travel or hotel credit, making Visa Infinite an attractive alternative.
Gisky
Visa Infinite cardholders receive a free 3GB/15-day ESIM plan every 365 days, plus 30% of all other plans (as of November 15, 2027).
It’s a neat revitalization as more and more phones transition to ESIM, which allows frequent travelers to stay connected without having to worry about buying a local SIM card.
TPG credit card writer Danyal Ahmed recently took advantage of this benefit as a sapphire reserve cardholder. This free program worked in several countries when he went from France to Switzerland, and then to Türkiye and Qatar.
Global entrance application fee credit
This visa unlimited program pays you a $100 global application fee. While the program is worth signing up with an immigration breeze, several other premium travel reward cards also offer reimbursement for global admission fees, so this shouldn’t be too big of a consideration for your decision to get an unlimited card.
Golf benefits
Avid golfers can enjoy the benefits of TroonRewards®. After registration, Visa Infinite cardholders earned platinum status and received platinum status from Troon Rewards, and saved 20% on golf fees and merchandise, as well as courses on more than 200 golf courses in the U.S. and around the world.
Additionally, Visa Infinite cardholders have access to over 20 high-end private private golf clubs. When booking with a Visa Infinite card, you can also play at each club twice a year for $99 per round, while also being able to pair three guests at the same speed.
Priority access to lounges
Having a credit card with airport lounge access can be a game-changer. Priority Pass is the largest network of airport lounges with over 1,700 locations worldwide. Exact lounge access privileges you will vary depending on the card.
For example, Sapphire Conservation Area With full priority by select membership, this member provides cardholders with up to unlimited lounge access.
On the other hand, the Altitude Reserve Card has eight priority pass lounge accesses every year. Everyone visiting, whether they are a guest or a major cardholder, will consume one of these eight passes, so plan accordingly.
at the same time, Atmos Summit Cardholders are not awarded priority membership. Instead, they receive eight Alaska Lounge Passes a year, divided into two quarters.
Related: Obtain allowances for registration only for these loyalty programs
Unlimited gifts for visas
Like most premium card plans, the Visa Infinite program includes a dedicated concierge service that can assist with travel and dining arrangements, shopping, getting exclusive events and more. You can expect great service and assistance on almost any outing you plan. The service is 365 days a year and can be used domestically or abroad.
Call (800) 587-2700 to visit a concierge in the United States, or (303) 214-5802 if you are outside the United States
Travel and lifestyle protection
In addition to travel allowances, Visa Infinite offers travel protection and other services. Check your card’s benefits guide to see the benefits your card offers.
The bulge of desire
Your credit score is the most important factor when obtaining approval from a credit card or other financial product. Visa Infinite cardholders earn a free membership with Dovly Uplift, an AI-powered platform that provides credit monitoring, alerts, scores, tips and suggestions.
If you don’t have the time or knowledge to review your credit report, this service is a great tool to take advantage of.
Extended warranty, procurement protection and return protection
When you purchase a three-year or shorter warranty product, you will receive an additional coverage of up to $10,000 per year, with up to $50,000 per cardholder. This isn’t the only coverage option out there; for more options, check out our list of the best cards with extended warranty protection.
If it is stolen or damaged within 90 days from the purchase date and you purchased the item with a visa unlimited card, your price is up to $10,000 per claim (up to $50,000 per cardholder). Using the purchase protection scope, you can repay, repair the item or make a replacement.
In addition to covering your purchase protection when burglary or damage, the Visa Unlimited Program also offers a range of returns up to $300 per item, and $300 per year when you are not satisfied with the product and the retailer does not accept returns. To qualify, you must use a visa unlimited card to pay for the purchase and file a claim within 90 days of the purchase date.
Other protections that may be included in your visa unlimited card include cell phone protection, emergency evacuation coverage, hotel theft protection and price protection. Check the benefits of a specific visa unlimited card to find out if these protections are provided.
Related: Should you get travel insurance if you have credit card protection?
Reimbursement of lost luggage
Another travel protection that visa unlimited cardholders prefer is reimbursement for luggage losses. If your check or carry-on luggage is lost or stolen on the airline, the program will pay you up to $3,000 ($2,000 for New York residents) per trip.
You are eligible for this coverage when you pay at least a portion of your travel using a visa unlimited card or a card-related reward.
Protection of lost luggage is a great way to relieve stress during travel. This is frustrating when the airline loses its luggage, but you can at least get some compensation with the right protection.
Related: Will paying taxes and fees on reward flights trigger travel protection?
Main car rental insurance
With Visa Infinite, your primary coverage is up to $75,000 due to rental car damage (damage due to collision or theft).
Visa Unlimited Card is not the only card that provides this insurance – Chase Sapphire Priority® Card (See rates and fees), a visa signature card, although the terms vary, a visa card is also provided.
This is a great benefit because in the event of an accident or theft, you don’t need to file a claim with your own insurance company.
Travel cancellation, interruption and delay insurance
Visa Infinite card offers cancellation and interrupt insurance. This includes compensation amounts up to $2,000 per insured trip and can be used for non-refundable fees as you cancel your trip for covered reasons, or when you are interrupted or delayed for covered reasons.
There are many “covering causes” lists, but if you have a serious illness or injury, you can expect to provide that benefit.
Additionally, Visa Infinite offers travel latency insurance. If eligible for reasons exceed six hours, or need to stay overnight.
Bottom line
Like other credit card plans, Visa Infinite offers many benefits for premium rewards credit cards. Remember what allowances the issuer has provided on its card.
Unlimited allowances on visas such as airport lounge access, major car rental insurance and free or discounted ESIM add meaningful upside.
Otherwise, not all allowances with an unlimited visa are unique, so rely on the benefits that matter most to you.
Related: Chase Sapphire Preference and Sapphire Reserve
