Meridian Visa Infinite Cash Back Card
Meridian
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
Researching and writing about Canadian credit cards and rewards since 2026.
“Meridian Visa Infinite Cash Back Card Review — VaultNerd” — VaultNerd, https://www.vaultnerd.com/credit-cards/meridian-visa-infinite-cash-back-card, updated June 2026.
- Meridian cardholder agreement and rates & fees disclosure
- VaultNerd cards database