Visa Infinite vs Mastercard World Elite: The Ultimate Showdown

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    Along with global recognition and a massive network, both Visa and Mastercard offer their clients generous and exciting perks that make vacations and stay-cations better through the Visa Infinite Program and the Mastercard World Elite Program. Both programs are often compared to each other because of the similar benefits they offer travellers, such as exclusive access to events and experiences all around the world, discounts and other offers for culinary experiences and hotels, and 24-hour concierge and customer support.

    However, there are some significant differences between the two programs that can prompt customers to choose one over the other. Follow along for a full comparison of the Visa Infinite Program vs Mastercard World Elite to determine which one offers the best perks, rewards, and experiences for Canadian travellers. Plus, we’ll take a look at some of Canada’s most popular premium credit cards that come with Visa Infinite or Mastercard World Elite benefits.

    Before we dive in, note that Visa and Mastercard each have two tiers to their programs. Mastercard World Elite is Mastercard’s second level, following the Mastercard World Program. Visa, meanwhile, has a level higher than Visa Infinite called the Visa Infinite Privilege Program. For this article, we will be comparing Mastercard World Elite to Visa Infinite as they are the most similar in terms of price points, accessibility and in what they offer.

    Visa Infinite vs Mastercard World Elite: The Basics

    Let’s start with the basics. Visa Infinite and Mastercard World Elite are designed for premium credit cards. Below is an easy-to-read table that breaks down the eligibility requirements of both programs along with a brief round-up of the benefits each of them offers.

    Visa InfiniteMastercard World Elite
    Annual Income Requirement Personal income: $60,000
    Household income: $100,000
    Personal income: $80,000
    Household income: $150,000
    Credit Score670 or greater 670 or greater
    Major Financial Service ProvidersBMO, TD, CIBC, Desjardins, Scotiabank, RBCBMO, Brim, Desjardins, HSBC, MBNA, Rogers, RBC
    Insurance Offered12 types of comprehensive insurance coverage15 types of comprehensive insurance coverage
    Travel PerksVisa Infinite Luxury Hotel Collection
    Visa Airport Companion powered by DragonPass
    Mastercard Travel Pass powered by Dragon Pass
    Lounge AccessFree DragonPass membership available to select Visa Infinite cards, free access to lounges for even fewerFree DragonPass membership available to select World Elite Mastercards, free lounge access for some cards
    ExperiencesVisa Infinite Dining Series
    Visa Infinite Wine Country Program
    Periodic invites to private movie screenings or in-home offers through the Visa Infinite Screening series
    Mastercard Priceless
    Mastercard Priceless Cities
    RewardsVisa RSVP Rewards Benefit2% rebate at select merchants with Mastercards Preferred Program
    Automatic cash-back at select travel retailers
    Extra PerksIntermittent, limited-time discounts at major retailers
    Free membership with Troon Rewards and 10% off at select golf courses and pro shops around the world
    Exclusive benefits at Cirque de Soleil performances
    Free Boingo Wi-Fi at over 1 million hot spots around the world

    Visa Infinite vs Mastercard World Elite: Travel Perks

    Having a travel credit card with either Mastercard World Elite or Visa Infinite benefits is a great advantage for frequent travellers. Along with global recognition, both programs have a range of benefits that make travelling more comfortable and convenient and save you money on unique, one-of-a-kind experiences abroad and close to home. Let’s take a look at Mastercard World Elite and Visa Infinite’s travel perks one by one.

    Airport Lounge Access

    There is no doubt that access to airport lounges is one of the most attractive features of travel credit cards. Along with discounts at select dining and retail spaces in airports around the world, Visa’s travel program, called Visa Airport Companion and powered by DragonPass, gives select Visa Infinite cardholders access to over 1200 Plaza Premium airport lounges around the world. However, not all cards that offer free enrollment also offer free lounge access, and the number of free visits varies by card.

    For example, the CIBC Aventura Gold Visa Card comes with a Visa Airport Companion membership and 4 free lounge visits that can be used by the primary cardholder or shared with a guest, but the Scotiabank Passport Visa Infinite Card comes with 6 free lounge passes that can only be used by the primary cardholder.

    Scotiabank Passportᵀᴹ️ Visa Infinite Card
    Scotiabank Passportᵀᴹ️ Visa Infinite Card
    Annual Fee:
    Purchase Interest Rate:
    Cash Advance:
    Earn your first 25,000 Scene+ points ($250 value) when you make $1,000 in eligible purchases in the first three months. The welcome offer also includes an annual fee waiver for the first year ($150 value). Offer ends October 31, 2023. Conditions apply.

    Get up to 25,000 Scene+ points

    On the other hand, the Vancity enviro Visa Infinite Card comes with a free Airport Companion membership, but not free visits; cardholders can take advantage of dining and retail discounts but will be required to purchase a lounge pass for $32 USD.

    Mastercards travel program is called Mastercard Travel Pass, and it is also powered by Dragon Pass. Like Visa’s travel program, Mastercard Travel Pass gives cardholders discounts and offers and select airport restaurants, but also provides things like private airport transfer services, airport security fast track, and exclusive access to discounted hotel and travel offers.

    Similar to the Visa Infinite Program, not all Mastercard Travel Pass holders enjoy free lounge access with their membership. The BMO Air Miles World Elite Mastercard comes with complimentary membership but no free visits, unlike the BMO Ascend World Elite Mastercard, which comes with 4 free annual passes, the most available from any World Elite Mastercard.

    BMO AIR MILES®† World Elite®* Mastercard®*
    BMO AIR MILES®† World Elite®* Mastercard®*
    Annual Fee:
    Purchase Interest Rate:
    Get 2,000 AIR MILES Bonus Miles and we’ll waive the $120 annual fee for the first year. Conditions apply.

    Get 2,000 AIR MILES Bonus Miles

    Winner: Visa Infinite. With 6 free passes, The Scotiabank Passport Visa Infinite card offers the highest number of free lounge passes out of both programs.


    The Mastercard World Elite program doesn’t have a detailed hotel rewards program. Instead, Mastercard Priceless provides cardholders with various offers and discounts for travel-related excursions like city tours, events, concerts etc. If you live in a major city, Mastercard Priceless is a great way to find tickets to events at home, as well. Mastercard Priceless features automatic upgrades, free nights, hotel dining vouchers and vacation packages sometimes, but they can be hard to find. The website lets you browse offers by interest or location only, and ‘travel’ is the most narrow-niche way to find deals that feature accommodation.

    While this can be a fun way to plan a trip, it’s not very helpful if you already have the destination in mind, or if you’re stranded somewhere and need to book a place to crash for the night.

    Visa Infinite cardholders, on the other hand, enjoy luxury accommodation at over 900 properties around the world with the Visa Infinite Luxury Hotel Collection. Standard benefits include

    • Best rate guarantee
    • Free room upgrades
    • VIP Status
    • Free Wifi
    • Free breakfast for up to two guests
    • A late check-out for no additional charge
    • A USD dining credit worth $25 USD

    Plus, the website regularly features exclusive limited-time offers for things like free nights, vacation packages, discounts and more.

    Winner: Visa Infinite. The program has a huge selection of properties to choose from, a set standard of perks that guests can expect, plus exclusive limited-time offers that include vacation packages, bonus free nights, and hotel dining discounts. Plus, the website is easy to navigate, and you can search for individual hotels by name or by location and input your specific dates.

    Visa Infinite vs Mastercard World Elite: Experiences

    Mastercard World Elite’s hotel, dining and experience benefits all come together in one program called Mastercard Priceless. While the dining and hotel perks are not on par with those offered by Visa Infinite, there are quite a few interesting, one-of-a-kind experiences available to choose from, like a private balcony at the opera in Spain, a pottery class with a master potter in Mexico, and a perfume making experience in the Czech Republic. The list is quite extensive and includes walking tours, outdoor adventures, discounted tickets to live shows and sporting events, galleries, helicopter tours, spa packages, gourmet dining experiences, and private tours of historical landmarks and museums. There truly is something for everyone.

    There are virtual online experiences to choose from as well, including several Masterclass cooking lessons with world-renowned top chefs and virtual tours of museums and cities.

    Visa Infinite has a list of similar offers, but it’s nowhere near as long or as varied as Mastercard Priceless. Still, a wide range of experiences includes sporting events like a Ski & Spa package at Hôtel Château-Bromont in Quebec, a wine and dine pack from the Trayvino Wine Company, and early access to tickets to the Toronto International Film Festival.

    In terms of culinary experiences, Visa Infinite really shines with its Wine Country Program and Visa Infinite Dining Series offerings. The dining series delivers cardholders exclusive invites to seasonal culinary events around Canada with some international events offered as well. The Wine Country Program earns you benefits like free tastings and tours at select wineries across British Columbia and Ontario, as well as online and in-store offers like free shipping and discounts on wine. The featured wineries change from year to year, but the list is always comprised of 100% Canadian businesses.

    Winner: Visa Infinite. Their Dining and Wine Country Programs have something new to offer foodies a few times per year and, unlike Mastercard Priceless, the vast majority of events take place in Canada. Priceless does have some very unique offerings, but almost all of them are abroad or online

    Visa Infinite vs Mastercard World Elite: Rewards

    The Mastercard Preferred Program rewards customers with 2% cash back at participating retailers, plus World Elite cardholders will earn cash rewards and enjoy online offers from big-name brands like Bloomingdales, Saks Fifth Avenue, Apple, and even some airlines with Mastercard Travel Rewards.

    Visa’s loyalty program, Visa RSVP Rewards Benefit, rewards customers who stay at over 60 Sandman, Sandman Signature and Sutton Place Hotels in Canada. Spend between $1500 and $3999 annually to enjoy 10% of hotel dining and earn 7 points for every $1 spent, which can be redeemed for free nights.

    Winner: Visa Infinite

    Visa Infinite vs Mastercard World Elite: Extra Perks

    We’ve already covered quite a few perks so far, but Visa Infinite and Mastercard World Elite still have a few little things to offer their customers.

    Visa Infinite cardholders can subscribe to the annual of the Canadian streaming service Total Crave for $145 per year, compared to the regular price of $240. They can also get 35% off an entire print order from Fuji Film, and take advantage of a free Troon Rewards subscription, which saves golfers 10% at select golf courses.

    Mastercard World Elite members will receive invitations to Cirque de Soleil special events and shows and can take in any performance in Canada or Las Vegas from a preferred seat and at a special discounted rate. Plus, they’ll have the convenience of over 1 million Boingo Wifi hotspots around the world without having to worry about roaming charges or hidden fees.

    Winner: Mastercard World Elite

    Visa Infinite vs Mastercard World Elite: The Bottom Line

    The Visa Infinite Program is the clear winner when it comes to travel perks, accessibility, and experiences both close to home and abroad.

    Keep in mind, however, that Visa and Mastercard programs work in conjunction with reward programs offered by the banks they partner with. When you compare credit cards, it’s a good idea to take a look at the package as a whole, including what the provider (in most cases, the bank) is offering, instead of basing your decision solely on the benefit program.

    FAQs about Visa Infinite vs Mastercard World Elite

    What is the best Visa Infinite credit card?

    The CIBC Aventura Visa Infinite Card offers the most perks for the lowest annual fee of $140 per year. Plus, it’s waived during your first year. This card also comes with all the benefits of the Visa Infinite program including 4 free lounge visits through the Visa Airport Companion Program, plus a host of other travel-friendly perks like a $100 NEXUS renewal refund and countless opportunities to earn Avion points with everyday expenses like gas and groceries and on purchases made through the CIBC Reward Centre.

    What is the best World Elite Mastercard?

    The HSBC World Elite Mastercard is one of, if not the best World Elite Mastercard in Canada. It does not charge foreign transaction fees, both abroad and online, plus cardholders can earn up to 3% in rewards for purchases made in a variety of everyday categories including drugstore purchases and travel-related expenses. The only downside to this card is that, even though it comes with a free DragonPass membership, it doesn’t include any free lounge passes. However, cardholders do receive a $100 annual travel credit to spend however they please, which would cover 3 lounge visits per year.

    Which credit card is better: the Visa Infinite Avion or the WestJet World Elite Mastercard?

    Both cards are available through RBC for an annual fee of $120. With the WestJet RBC World Elite Mastercard, in addition to World Elite Mastercard benefits you’ll get a free checked back for you and up to 8 guests, access to WestJet partner lounges, a companion voucher and a free membership to DragonPass through Mastercard’s Travel Pass Program, although DragonPass lounge visits are not included. However, you can exchange your companion voucher for up to 4 lounge passes. The only drawback is that you can only redeem and earn rewards on flights with WestJet and partner airlines. The RBC Avion Visa Infinite card has a much more flexible point redemption policy with no blackout dates or airline restrictions, points that don’t expire, extensive insurance coverage, and extra perks like a free DoorDash subscription on top of Visa Infinite benefits, but no lounge access.

    Which credit card is better: the Scotiabank Passport Visa Infinite or the BMO World Elite Mastercard?

    The Scotiabank Passport Visa Infinite Card‘s best feature is that it waives foreign transaction fees both online and abroad, plus it offers cardholders plenty of opportunities to collect bonus Scene+ points within the first year, which can be redeemed for a wide range of rewards. Cardholders will also enjoy Visa Infinite Perks and 6 free lounge passes per year with the Visa Airport Companion Program, making it the best credit card for free lounge access in Canada. On the other hand, the BMO Ascend World Elite Mastercard is similarly priced (with the annual fee waived for the first year) and comes with Mastercard World Elite privileges, but only includes 4 free passes to DragonPass lounges per year.

    Which credit card is better: the RBC Visa Infinite Avion or the BMO World Elite Mastercard?

    For new Visa Infinite Avion cardholders, RBC is currently offering 35,000 Avion points just for being approved. Avion points don’t expire and can be redeemed for flights, hotel stays, car rentals, holiday packages, cruises and more. Alternatively, you can convert Avion points to WestJet dollars to redeem flights with WestJet or its partner airlines. You’ll also unlock a full roster of Avion Collection experiences in addition to Visa Infinite benefits. It’s an excellent travel credit card, but it doesn’t offer free lounge access. The BMO Airmiles World Elite Mastercard is the most similar in that there are few airline restrictions when it comes to redeeming Air Miles, but it lacks the dining and hotel reward capabilities that the RBC Avion card has. Plus, the BMO Airmiles World Elite Mastercard’s complimentary DragonPass membership doesn’t include lounge access passes.

    Which credit card is better: the BMO Eclipse Visa Infinite or the BMO World Elite Mastercard?

    The BMO Ascend World Elite Mastercard is a slightly more expensive option at $150 compared to the BMO Eclipse Visa Infinite Card, which costs $120 per year. At first glance, these cards are very similar. Both offer their customers up to 5x the reward points, but the Eclipse Visa Infinite has a better selection of spending categories, including typical expenses like gas, groceries and transit. With the Ascend World Elite Mastercard, you can only earn 5x the points on travel-related expenses, and 3x the points on other irregular purchases like entertainment and dining. However, while the BMO Visa Infinite card comes with almost the entire suite of Visa Infinite benefits, it does not offer any free lounge passes. The World Elite Mastercard, on the other hand, comes with a free Mastercard Travel Pass with 4 DragonPass lounge access passes.

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    About The Author: Meagen Seatter
    Meagen Seatter is a journalist at Hardbacon. After her first backpacking trip at the age of 25, she fell in love with travelling and started to devote every spare cent to her next trip. To fund her travels, she learned how to use rewards credit cards offered by Canada's major financial institutions to her advantage, and she’s been helping Canadians do the same ever since. Scotiabank's no-fee on foreign transactions policy saves her money overseas, and she loves the Scene+ rewards program to save money on flights and hotels. Throughout her writing career, she’s covered a variety of topics including health and fitness, psychology, finance, travel reviews and mental health.

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