Meridian Visa Infinite Cash Back Card
Ontario families who spend heavily on gas and groceries and want big-bank cash back rates at a credit union price.
VaultNerd estimate based on the card's tier and income requirements, not an official issuer cutoff. Approval also depends on income, debt, and credit history.
Our verdict
One of the strongest gas-and-grocery cash back cards in Canada at 4%, with a first-year fee waiver. The cap and Ontario-centric availability are the main limitations.
Reward rates
Groceries $25,000 annual cap on elevated gas/grocery/pharmacy/utility rates; 1% after | 4% |
Gas | 4% |
Pharmacy | 2% |
Utility bill payments | 2% |
Everything else | 1% |
Welcome bonus
$70 cash back on your first purchase, plus first-year annual fee waived (Ontario residents only)
Requirement: Make a first purchase on the card
Pros
- Standout 4% earn rate on gas and groceries
- First-year fee waiver and a modest $99 fee thereafter
- Lower income requirement than World Elite competitors
Cons
- $25,000 annual cap on elevated rates
- Meridian membership required; welcome offer limited to Ontario
- Rewards redemption can require phone-in for some options
Perks
- 4% back on gas and groceries - among the highest in Canada
- Lower annual fee than comparable big-bank cash back cards, waived in year one
- Visa Infinite Concierge and Luxury Hotel Collection
- Points-based cash back can also be redeemed for travel, gift cards or account credit
Insurance
- Comprehensive Visa Infinite travel insurance package
- Purchase protection and extended warranty
Frequently asked questions
Is the Meridian Visa Infinite Cash Back Card worth it?
It charges a $99 annual fee, and we rate it 3.9 out of 5. It's best suited to ontario families who spend heavily on gas and groceries and want big-bank cash back rates at a credit union price. The welcome bonus is worth roughly $70, which covers the first year for many people. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.
What does the Meridian Visa Infinite Cash Back Card earn?
It earns 4% on groceries, 4% on gas and 2% on pharmacy.
What credit score do you need for the Meridian Visa Infinite Cash Back Card?
We'd suggest a score of around 725 or higher, which puts approval in our "hard" band. It also lists an income requirement of $60,000 personal or $100,000 household. This is a VaultNerd estimate based on the card's tier and stated requirements. Approval also depends on your income, existing debt and credit history.
Researching and writing about Canadian personal finance since 2026.
Last reviewed June 2026 · How we research
“Meridian Visa Infinite Cash Back Card Review.” VaultNerd, https://www.vaultnerd.com/ca/credit-cards/meridian-visa-infinite-cash-back-card, updated June 2026.
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