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Overview
As a Wealthsimple Visa Infinite* credit card holder, you automatically get access to insurance coverage for purchase protection and extended warranty. You also get to select 3 options from a set of premium benefits and insurance coverages. To be eligible for insurance coverage, you must pay for your travel, monthly phone bill, or other purchases with your Wealthsimple credit card. For all insurance coverages, exclusions and limitations apply.
Capitalized terms are defined in the certificates of insurance.
Visa Infinite credit card benefits summary
Review the default benefits and insurances included with the Wealthsimple Visa Infinite* credit card.
Travel benefits
| Included benefit | Description |
|---|---|
| Visa Infinite Luxury Hotels | Access 900+ luxury hotels with upgrades, breakfast, late checkout, Wi-Fi, and more. |
| Save and earn on hotels with Booking.com | Sign up for a free account to save on qualifying accommodations purchased with your card. Get up to 8% (up to $230 USD) in Travel Credits for future stays and more. |
| 24/7 Complimentary Concierge | As a cardholder, you have a Complimentary Concierge available by phone or email, 24/7, with advice, answers, and assistance for travel itineraries, restaurant recommendations, and more. |
| RSVP Rewards | Enroll in Visa RSVP Rewards for Platinum status and perks at 60+ Sandman, Sandman Signature, and Sutton Place hotels, including upgrades, early check-in/out, and dining discounts. |
| Wine Country program | Access in-person and online benefits at over 60 participating wineries in British Columbia and Ontario, including complimentary tastings, tours, and special discounts on wine purchases. |
Protection benefits
| Included benefit | Coverage |
|---|---|
| Purchase security | Up to $1,000 per occurrence, max $10,000 total. |
| Extended warranty | Doubles the manufacturer's repair period up to one year. |
| Zero liability protection | Visa's Zero Liability Policy protects you against unauthorized transactions made using your Visa card, for example if your card is used fraudulently, lost, or stolen. |
| Emergency card services | If your card is lost or stolen, or if you need an emergency cash advance, call Visa Customer Service at 1-800-847-2911, or call collect at 1-303-967-1096 (available 24 hours a day, seven days a week). |
Coverage details for purchase security and extended warranty
Purchase security protects new items you buy with your credit card against loss, theft, or damage. Extended warranty coverage automatically doubles the period of repair services provided by the original manufacturer's warranty, up to a maximum of one additional year.
Purchase security coverage details
- Coverage: Up to $1,000 per occurrence for a total limit of $10,000 maximum per cardholder.
- Eligibility: The full purchase price of the insured item was charged to your card.
- Covered duration: Up to 90 days after the date of purchase.
- Exclusions: Refer to pages 10–11 of the certificates of insurance.
Extended warranty coverage details
- Coverage: Doubles the manufacturer's repair period up to one year.
- Eligibility: The full purchase price of the insured item was charged to your card.
- Covered duration: One full year following the expiry of the manufacturer's warranty for warranties up to 5 years.
- Exclusions: Refer to pages 10–11 of the certificates of insurance.
Lifestyle benefits
| Included benefit | Description |
|---|---|
| Visa Infinite Dining Series | Access dining events featuring multi-course meals, drink pairings, and interactive experiences with chefs, sommeliers, and mixologists. |
| All benefits offered through Wealthsimple | Unlimited 1% cash back, no annual fee, no mobile tap limit, and more come with your credit card. |
Choose your custom benefits
During your card application, you choose 3 benefits from the options below to complete your Visa Infinite card benefits package.
For full coverage details, including exclusions and limitations, please view the full certificates of insurance.
| Custom benefit | Coverage |
|---|---|
| No FX fees | Save the fees on every foreign transaction. |
| Out-of-province travel medical † | Up to $1,000,000 in emergency medical expenses. |
| Trip cancellation/interruption † | Up to $1,000 per eligible person, max $3,000 per trip. |
| Delayed and lost baggage † | Up to $1,000. |
| Flight delay insurance † | Up to $1,000, max $2,500 per any one occurrence. |
| Mobile phone insurance | Up to $1,000 with $50 deductible. |
| Car rental collision/loss damage | Up to 31 days coverage with a maximum of $65,000 MSRP. |
| Discounted airport lounge passes | Get access to discounted lounge passes to use at over 1,200 airport lounges worldwide. |
† Some insurance benefits aren't available to residents of Quebec. For a summary of the insurances available to residents of Quebec, please review the Insurance Product Summary.
Choose 3 custom benefits to complete your package
Learn more about the custom benefits you can choose from:
- No FX fees
- Mobile phone insurance
- Out-of-province/country emergency medical insurance
- Trip cancellation/trip interruption insurance
- Delayed and lost baggage insurance
- Flight delay insurance
- Car rental collision/loss damage insurance
- Discounted airport lounge passes
No FX fees
Selecting this benefit grants you FX fee reversals on foreign transactions. The reversal will appear in your transaction summary from your Activity tab.
Mobile phone insurance
You're covered for theft or damage to your phone when you pay your monthly bill with your credit card.
Mobile phone insurance coverage details
- Coverage: Up to $1,000 per claim, with a $50 deductible.
- Eligibility: You must pay your monthly phone bill with your card.
- Covered duration: Maximum of 2 claims per 12-month period.
- Exclusions: Refer to page 13 of the certificates of insurance.
Out-of-province/country emergency medical insurance
This insurance covers you and your family (spouse and dependent children only) for up to $1,000,000 in emergency medical expenses while travelling outside your home province or country.
Out-of-province/country emergency medical coverage details
- Coverage: Up to $1,000,000 for emergency medical treatment.
- Eligibility: Insureds under age 65 only.
- Coverage duration: You're covered for the first 14 consecutive days of your trip.
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Benefits include:
- Hospital and medical expenses
- Emergency dental expenses (up to $2,000 for accidental dental injury; $200 for dental pain)
- Emergency air transportation/evacuation
- Return of deceased (up to $5,000)
- Additional hotel and meal expenses (up to $150/day, maximum $1,500)
- Exclusions: Refer to pages 24–26 of the certificates of insurance.
Trip cancellation/trip interruption insurance
If you need to cancel or interrupt your trip due to a covered reason, you may be reimbursed for up to $1,000 per eligible person, with a maximum of $3,000 per trip. Your trip cancellation/trip interruption insurance covers trips booked and paid for on or after June 1, 2026.
Trip cancellation/trip interruption coverage details
- Coverage: Up to $1,000 per eligible person (maximum $3,000 per trip).
- Eligibility: The full cost of the trip must be charged to your card.
- Covered interruption reasons: Refer to pages 30–31 of the certificates of insurance.
- Covered cancellation reasons: Refer to pages 29–30 of the certificates of insurance.
- Exclusions: Refer to pages 31–32 of the certificates of insurance.
Delayed and lost baggage insurance
This insurance can cover you for emergency purchases if your baggage is delayed for more than 6 hours, and for lost or damaged baggage. Delayed and lost baggage insurance covers airline tickets booked and paid for on or after June 1, 2026.
Delayed and lost baggage coverage details
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Coverage:
- Delayed baggage by more than 6 hours: Up to $500 for emergency purchases.
- Lost/damaged baggage: Up to $750 for lost checked baggage and contents.
- Maximum combined coverage: $1,000.
- Eligibility: The full cost of an airline ticket must be charged to your card.
- Coverage duration: Your baggage must be delayed for over 6 hours, and you must make your emergency purchases within 96 hours of your arrival.
- Exclusions: Refer to pages 34–35 of the certificates of insurance.
Flight delay insurance
This insurance can cover you for up to $1,000 in reasonable and necessary expenses, such as hotel accommodations, meals, refreshments, and emergency purchases, when you face a missed connection, denied boarding, or a flight delay of at least three hours. Flight delay insurance provides coverage when airline tickets are booked and paid for on or after June 1, 2026.
Flight delay insurance coverage details
- Coverage: Up to $1,000 for reasonable and necessary expenses (maximum $2,500 per any one occurrence).
- Eligibility: The full cost of an airline ticket must be charged to your card.
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Covered duration:
- Missed connection: Coverage begins if your arrival is delayed by more than 3 hours, and the airline doesn't offer you an alternative way to travel within 3 hours of your original departure time.
- Delayed flight departure: Coverage begins if your flight is delayed for more than 3 hours and the airline doesn't offer you an alternative way to travel during that time.
- Denied boarding: Coverage begins if you're denied boarding because a flight is overbooked and the airline doesn't offer you another way to travel within 4 hours of your original departure. Expenses are covered starting 3 hours after the denial.
- Exclusions: Refer to page 37 of the certificates of insurance.
Car rental collision/loss damage insurance
This benefit provides coverage for damage or theft of a rental car.
Car rental collision/loss damage coverage details
- Coverage: Maximum limit of $65,000 MSRP.
- Eligibility: You must charge the full cost of the rental car to your card and decline the rental agency's Collision Damage Waiver (CDW).
- Coverage duration: Up to 31 days.
- Exclusions: Refer to page 17 of the certificates of insurance.
Discounted airport lounge passes
Get access to discounted lounge passes to use at over 1,200 airport lounges worldwide. Sign up for the Visa Airport Companion program to get your discounted passes.
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