When you hear “travel rewards,” what comes to mind? Endless airport lounges? Free hotel nights? Or maybe you’re just dreaming about saving a little on your next international getaway. Well, the Meridian Visa Infinite Travel Rewards Card is here to check all those boxes—and maybe a few more you didn’t even think of.
This card isn’t just another shiny piece of plastic; it’s a real companion for people who love to explore. With points that stack up fast on foreign purchases and perks that scream “VIP treatment,” it’s tailored for the modern traveler who likes a mix of comfort, efficiency, and a little flair.
Key Information about the Credit Card
The Meridian Visa Infinite Travel Rewards Card is issued by Meridian Credit Union, a proudly Canadian institution known for its member-first approach and transparent banking. This card is specifically designed for individuals who spend regularly—especially those who spend in different currencies or find themselves frequently booking flights, hotels, or shopping internationally.
Ideal for high-earning professionals, seasoned travelers, or even ambitious adventurers ready to level up their travel game, this card brings a blend of practicality and indulgence. It offers reward points for everyday purchases and extras for foreign spending, giving cardholders a good reason to swipe no matter where they are.
The card sits comfortably in the premium segment, meaning it comes with upscale perks like travel insurance, exclusive Visa Infinite benefits, and access to a reliable mobile banking app that makes managing your finances simple—even from 30,000 feet in the air.
How Does the Annual Fee Work?
Let’s talk numbers. This card comes with an annual fee of $99. Sounds like a lot? Here’s the twist: the first year’s fee is waived—not just for the primary cardholder but also for any additional cards you request. So you essentially get a test-drive of all its perks without worrying about a cent in the first year.
How Is the Credit Limit Determined?
Meridian takes a pretty thoughtful approach when it comes to setting your credit limit. It’s not a one-size-fits-all situation. Instead, the limit is based on several key factors that help ensure the amount is suitable for your financial profile. First off, your income plays a major role.
With this card, there’s a minimum income requirement—$60,000 personal or $100,000 household—which also helps determine your borrowing potential. Your credit history and overall financial health (including your existing debt and repayment behavior) are equally important. So, if you’ve been keeping up with your bills and maintaining a solid credit score, you’ll likely start with a decent limit.
Credit Card Benefits
- Generous Welcome Bonus – You earn 7,000 reward points just by making your first purchase. That’s like saying “hi” and getting paid for it.
- High Reward Rate on Foreign Purchases – Every $2 you spend in foreign currencies earns you 6 reward points. That’s serious value for globe-trotters.
- Solid Reward Rate on All Other Purchases – Whether you’re buying coffee or booking a train, you get 3 reward points for every $2 spent.
- Visa Infinite Privileges – Enjoy premium perks like hotel upgrades, fine dining offers, and concierge services. Basically, VIP treatment just for being a cardholder.
Standout Advantage
The true standout here is the rewards multiplier on foreign currency purchases. With 6 points per $2 spent outside of Canada, you’re essentially earning back a chunk of every trip, meal, or online order from international sites. It’s rare to see this level of earning for foreign spending—especially when paired with travel insurance and Visa Infinite benefits.
Disadvantages
- Annual Fee (After Year One) – Once the first year is over, you’ll start paying $99 annually—plus $30 per additional card.
- High Interest Rates – At 19.50% on purchases and 21.99% on cash advances, this card isn’t the best choice if you carry a balance.
- Income Requirement – The $60,000 individual/$100,000 household income threshold could be a barrier for some.
Standout Disadvantage
The biggest downside is definitely the interest rates. If you’re not planning to pay your balance in full each month, the card’s 19.50% purchase rate and even higher 21.99% on cash advances can hit hard. Those numbers climb quickly, and rewards won’t offset the damage.
Who Can Apply for This Card?
To get your hands on the Meridian Visa Infinite Travel Rewards Card, you’ll need to meet a few key requirements. First, you must be a member of Meridian Credit Union—don’t worry, you can join during the application process. Financially, you need to have a minimum personal income of $60,000 or a combined household income of $100,000.
On top of that, a solid credit score and clean credit history are essential. Meridian wants to see that you’re reliable with debt and have a stable financial background. Age and residency also matter: applicants must be Canadian residents and of legal age in their province. If all of this checks out, you’re well on your way to approval.
How to Apply for Meridian Visa Infinite Travel Rewards Card
Thinking this card might be your new favorite travel sidekick? You’re not alone. A lot of Canadians are making the switch to smarter rewards and smoother travel benefits. Applying is easier than ever, and you don’t have to jump through hoops. Keep reading to find out how to apply through their website, mobile app, or even in person.
Via Website
Head over to Meridian’s official site and look for the Visa Infinite Travel Rewards Card page. You’ll see an “Apply Now” button—just one click gets the ball rolling. The application walks you through each step, asking for your personal and financial info. It’s clear, user-friendly, and takes only a few minutes to complete. Once submitted, you’ll get a confirmation and, if all goes well, approval usually follows within a few business days.
Via the App
Prefer to do everything from your phone? Meridian’s mobile app has you covered. Download it from the App Store or Google Play, log in (or sign up), and navigate to the credit card section. You’ll find all the same features as the website—plus the bonus of tracking your application in real time. The app is smooth, secure, and lets you manage your new card the second it’s approved.
In-Branch
While Meridian has a strong digital presence, they haven’t forgotten the value of in-person service. You can still walk into a local branch and apply with the help of a representative. They’ll explain the card’s features, walk you through eligibility, and even assist with the paperwork. If you’re someone who likes to ask questions and get answers face to face, this route might be your best bet.
