Wealthsimple Visa Infinite+ Card vs Wealthsimple Visa Infinite Privilege Card
Two cards, one Standard Score rubric. The Wealthsimple Visa Infinite+ Card scores higher overall at 6.7/10 — but the right pick depends on which components match your spending.
The verdict
StrongIdentical card economics — a flat 2% cash back, no foreign-transaction fees, and the same $240 fee waivable with $100,000 in Wealthsimple assets or a $4,000/month direct deposit. The Privilege stacks lounge access and stronger travel insurance on top, but it's gated behind far steeper requirements ($150,000 income or $400,000 in assets, and invite-limited during rollout). Clear that bar and want lounges? Take the Privilege; everyone else gets the identical 2% earn on the Infinite+.
See offer · current Wealthsimple Visa Infinite+ Card offer, direct from the issuer
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
| Wealthsimple Visa Infinite+ Card | Wealthsimple Visa Infinite Privilege Card | |
|---|---|---|
| Standard Score | 6.7/10 · Strong | 6.6/10 · Strong |
| Annual fee | $240 ($20/month; waived for Wealthsimple Premium/Generation clients ($100K+ in assets held with Wealthsimple) or with a qualifying $4,000+/month direct deposit) | $240 ($20/month; waived for Wealthsimple Premium/Generation clients ($100K+ in assets) or with a qualifying $4,000+/month direct deposit. Applying for the card itself additionally requires $150,000+ personal income, $200,000+ household income, $400,000+ in Wealthsimple assets, or $50,000+ in annual card spend — reported as invite-limited during rollout.) |
| Welcome bonus | None currently offered | None currently offered |
| Est. bonus value | ≈ $0 | ≈ $0 |
| First-year net value | ≈ $360 | ≈ $360 |
| Earn rates |
|
|
| Points currency | Cash back | Cash back |
| No FX fees | Yes | Yes |
| Lounge access | No | Yes |
Where the Wealthsimple Visa Infinite+ Card wins
- Low friction — scores 6.5/10 on this component
- Strategic fit — scores 6.5/10 on this component
Where the Wealthsimple Visa Infinite Privilege Card wins
- Perk usability — scores 7.5/10 on this component
Read the full reviews: Wealthsimple Visa Infinite+ Card and Wealthsimple Visa Infinite Privilege Card, or see how both rank in Best Cash Back Credit Cards in Canada.