cash back

Meridian Visa Infinite Cash Back Card

Name: Meridian Visa Infinite Cash Back Card
Brand: Meridian

3.9

Welcome bonus

Up to $70 cash back

4% groceries — $25,000 annual cap on elevated gas/grocery/pharmacy/utility rates; 1% after
4% gas
2% pharmacy

Annual fee: ~~$99~~ $0
Interest rates: Purchases
19.5%
Cash advances
21.99%
Foreign transactions: 2.5%

Rated by the CreditCardGuru Editorial Team

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.

At a glance

Annual fee: ~~$99~~ $0
Welcome bonus: $70
Foreign tx fee: 2.5%
Network: VISA
Rewards: cash back
Purchase APR: 19.5%

Rewards & earn 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 offer: Up to $70 cash back (Make a first purchase on the card).

Pros & cons

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 & insurance

Key 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

Rates & fees

Annual fee: ~~$99~~ $0
Purchase interest: 19.5%
Cash advance: 21.99%
Foreign transactions: 2.5%
Min. personal income: $60,000

First year waived; additional cards $30 (also waived first year).

Last updated June 7, 2026Reviewed by CreditCardGuru Editorial Team

Terms & conditions

Rates and offers change. Every rate, fee, welcome offer and benefit on this page was accurate when last reviewed, but Meridian can change or withdraw any of them at any time — sometimes without notice. Confirm the current terms on Meridian's own website before you apply.

Eligibility is theirs to decide. Approval, credit limits, interest rates and welcome offers depend on your credit history and Meridian's own criteria. Bonuses often exclude anyone who has held the card before, and usually require a minimum spend within a set period.

This is not advice. The reviews and ratings here are our editorial opinion, not financial, tax or legal advice, and not a recommendation for your circumstances. Speak to a qualified professional before making a financial decision.

How we make money. CreditCardGuru may earn a commission when you apply through links on this page. It never affects our ratings or what we write — see our advertiser disclosure and rating methodology.

CreditCardGuru is not affiliated with Meridian. Trademarks belong to their respective owners.

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Annual fee: ~~$120~~ $0
Welcome bonus: $300
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Guru Pick CIBC

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4.5·Households with heavy grocery and gas spend who want maximum cash back.

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Disclaimer: This page is for informational purposes only and does not constitute financial, tax or legal advice. Card terms and offers change and may be out of date — always verify with the issuer before applying, and consult a qualified professional before making financial decisions. CreditCardGuru may earn a commission from cards featured on this site; this never influences our editorial ratings. See our advertiser disclosure.

Written by

CreditCardGuru Editorial Team

Rewards & Cards Research

Our editorial team independently researches and rates every credit card in Canada using a transparent, data-driven methodology. We update card terms continuously and never let issuer relationships influence our ratings.

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Cite this page

“Meridian Visa Infinite Cash Back Card Review (2026)” — CreditCardGuru, https://creditcardguru.ca/cards/meridian-visa-infinite-cash-back-card, updated June 7, 2026.