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 6.8/10, 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 | 6.8/10 · Strong | 6.7/10 · 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 | New Wealthsimple clients: an extra 3% cash back (5% in total) for the first 30 days, on up to $10,000 of purchases, worth up to $300 above the standard 2% | New Wealthsimple clients: an extra 3% cash back (5% in total) for the first 30 days, on up to $10,000 of purchases, worth up to $300 above the standard 2% |
| Est. bonus value | ≈ $300 | ≈ $300 |
| First-year net value | ≈ $660 | ≈ $660 |
| Earn rates |
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| 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.