【2026.07 更新】7.31 之前 使用推荐链接🔗 (或者填写推荐码 IBVGUG)开户 wealthsimple 并 申请信用卡,
- 开户 wealthsimple 并入金, 得 $25
- 申请信用卡,前 30 天内前 $10,000 消费 5% 返现
亮点
- 申请时填写高收入可得此 VIP 版本
- 可免年费的 VIP 卡
- 无货币转换费、境外手续费, 所有消费 2% 返现
- 旅行福利(6 次机场休息室)+ 一定的旅行保险
发卡银行: Wealthsimple
结算通道: VISA
卡片种类:信用卡
年费: $240,每月$20,有条件免年费
无境外手续费、货币转换费
Premium 及以上的客户免年费,普通用户每个月有 $4000 以上的 direct deposit 可免年费。
开卡奖励
未知
申请门槛:个人年收入 $15 万 或者 家庭年收入 $20 万 (获邀申请时候 填写门槛收入 则自动获得 VIP 版本)
日常消费
2%:所有消费
福利 & 保险
包括本卡的 visa Infinite 版本的所有福利、保险,并更好、更多
- 机场休息室福利
Visa Airport Companion Program, 每年 6 次
- VISA infinite 和 VISA infinite privilege 福利
延伸阅读: 🇨🇦 Visa Infinite Privilege 概述
- 除了 Visa 联合 Gigsky 送的全球免费流量外, 此卡还有额外的 10 GB/15 天
延伸阅读: GigSky 是什么? 信用卡神福利: 免费全球 eSIM 漫游详解(2026 最新版)
- Hotel enhancements: Includes Relais & Châteaux properties through Visa RSVP Rewards
延伸阅读: RSVP Rewards 详解: 🇨🇦 Sandman/Sutton Place 酒店集团的冷门积分计划
- Enhanced dining reservations: Access to prime-time reservations at top restaurants via OpenTable
旅行相关保险
- Out of province/country emergency medical insurance
65 岁以下, 14 天。 点开查看细则
This insurance covers you and your family for up to $2,000,000 in emergency medical expenses while you’re travelling outside your home province or country.
- Eligibility: Cardholders under the age of 65 only.
- Coverage duration: You’re covered for the first 14 consecutive days of your trip.
- Benefits include:
- Hospital and medical expenses
- Emergency dental expenses (up to $2,000 for an accident, $200 for pain)
- Emergency air transportation/evacuation
- Return of deceased (up to $5,000)
- Additional hotel and meal expenses (up to $150/day, maximum $1,500)
Note: This insurance isn’t available to residents of Quebec.
- Trip cancellation/interruption insurance
limit $5000。 点开查看细则
If you need to cancel or interrupt your trip due to a covered reason, you may be reimbursed for up to $1,500 per occurrence, with a maximum of $5,000 per trip.
- Coverage: Up to $1,500 per person (maximum $5,000 per trip).
- Eligibility: The full cost of the trip must be charged to your card.
- Covered interruption or cancellation reasons:
- Illness or injury
- Jury duty
- Natural disaster
- Travel advisories
- Other reasons may be eligible for coverage
Note: This insurance isn’t available to residents of Quebec.
- Delayed & lost baggage insurance
6 hours。 点开查看细则
This insurance can cover you for emergency purchases if your baggage is delayed for more than 6 hours. It can also cover lost or damaged baggage.
- Coverage:
- Delayed baggage: Up to $1,000 for emergency purchases
- Lost/damaged baggage: Up to $1,000 for emergency purchases
- Maximum combined coverage: $1,250
- Eligibility: The full cost of an airline ticket must be charged to your card.
- Coverage duration: You must make your emergency purchases within 96 hours for delays over 6 hours.
Note: This insurance isn’t available to residents of Quebec.
- Car rental collision/loss damage
31 days。点开查看细则
This benefit provides coverage for damage or theft of a rental car. Visa Infinite Privilege cardholders have up to 31 days of coverage with a maximum limit of $65,000 MSRP.
购物相关保险
- Purchase security
Protects new items you buy with your credit card against loss, theft, or damage for 90 days. You’re covered for up to $1,000 per occurrence for a total limit of $10,000 maximum per cardholder.
- Extended warranty
This warranty doubles the manufacturer’s repair period,up to an additional year.
- Mobile phone insurance
When you pay your monthly phone bill with your credit card, you’re protected against theft or damage to your mobile phone. You’re covered for up to $1,000 per claim, with a $50 deductible. You have a maximum of 2 claims per 12-month period, and you must pay your monthly phone bill with your card to qualify.



