travel3.2 / 5

Meridian Visa Infinite Travel Rewards Card

Meridian

Best for

Meridian members who want a simple flat-rate travel card with Visa Infinite perks and decent insurance.

Apply on Meridian

Annual fee

$99

FX fee

2.5%

Purchase APR

19.5%

Income req.

$60,000 personal / $100,000 household

Recommended credit score

725+

Approval difficulty

Hard approval

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

A respectable credit-union travel card with a 1.5x flat earn rate and Visa Infinite extras, but limited point value and a small welcome offer keep it behind big-bank rivals.

Reward rates

Foreign currency purchases 6 points per $2 on purchases made outside Canada in foreign currency (2.5% FX fee still applies)	3x
All other purchases 3 points per $2 spent	1.5x

VaultNerd values these points at ~0.8¢ each.

Welcome bonus

~$56 value

7,000 Meridian Rewards points on your first purchase, plus first-year fee rebate (Ontario residents only)

Requirement: Make a first purchase on the card

Pros

Solid flat 1.5x earn on everything
First-year fee rebate and modest $99 fee
Generous insurance for a credit union card

Cons

Points worth at most 1 cent each with no transfer partners
3x foreign-currency rate is undercut by the 2.5% FX fee
No ongoing welcome bonus beyond the small first-purchase points

Perks

1.5x base earn rate on all purchases
Visa Infinite Concierge, Luxury Hotel Collection, Dining Series and Wine Country Program
Travel insurance suite, notable for older travellers
Points redeemable for travel, merchandise, gift cards or account credit

Insurance

Travel insurance package including emergency medical, trip cancellation/interruption and common carrier accident coverage
Purchase protection and extended warranty

Disclaimer: This article is for informational purposes only and does not constitute financial, tax, or legal advice. Information may be simplified, incomplete, or out of date. Consult a licensed professional before making financial decisions. VaultNerd may receive compensation from partners featured on this site — this does not influence our editorial content.

Written by

The VaultNerd Team

Researching and writing about Canadian credit cards and rewards since 2026.

Cite this page

“Meridian Visa Infinite Travel Rewards Card Review — VaultNerd” — VaultNerd, https://www.vaultnerd.com/credit-cards/meridian-visa-infinite-travel-rewards-card, updated June 2026.

Sources

Meridian cardholder agreement and rates & fees disclosure
VaultNerd cards database