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Innovation Credit Union
Innovation Credit Union · Visa · Infinite

Cash Back Visa Infinite Card

Strong cash back Cash BackRewardsTravel
3.6
★★★★☆

Solid value

CardPick score · from real fees, rewards & perks
You'll finish your application securely on Innovation Credit Union's own website.
Welcome value
est. first-year value
Annual fee
$120
per year
Purchase interest
20.99%
on carried balances
Rewards type
points
Flex Rewards Program
🛒
4% value on groceries
Your top earn category
🛫
Travel perks
Lounge access & trip coverage
🛡️
6 insurance coverages
Built-in protection

Rewards

Base earn rate1 point for every $1 spent on all other purchases
ProgramFlex Rewards Program
Welcome bonusNone
Rewards typepoints

Fees & rates

Annual fee$120
Additional card$50
Purchase interest rate20.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)

Standout perks

💳
24/7 Travel Assistance
Hertz Auto Rental Discounts - Up to 25% off the Base Rate
up to 25% off
Hertz Fee-waived Underage Driver fee
fee waived
Hertz Reduced Rate Loss Damage Waiver with reduced rate deductible
$19.95/day with $250 deductible
Hertz No Additional Driver fee
fee waived
Hertz 10% off Per Litre Price for Fuel
10% off
Free Enrollment in the Hertz Gold Plus Rewards Program
free enrollment
Thrifty and Dollar Up to 10% off the rental rate
up to 10% off

Everyday features

📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access

Insurance coverage

🛡️

travel medical

Included — see issuer for details.

🛡️

baggage loss

up to $500

🛡️

rental car

Included — see issuer for details.

🛡️

purchase protection

Included — see issuer for details.

🛡️

extended warranty

up to one year

🛡️

mobile device

up to $1,000

Eligibility

Minimum personal income$60,000
Credit score guidanceGood (660+)
ResidencyCanadian resident