Meridian Visa Infinite Cash Back Card Review for Canadians and How to Earn Up to 4% on Gas and Groceries

Why this card works for Canadians

The Meridian Visa Infinite Cash Back Card is built for Canadians who want straightforward cash back on everyday spending. With up to 4% on gas and groceries, this Visa Infinite card rewards routines that matter in Canada, from filling up at the pump to stocking the fridge.

Annual fee details and eligibility are clear: a CAD 99 fee (often waived the first year) and income requirements for applicants. These conditions make the card a strong match for mid to high earners who prioritize steady cash back rather than travel points.

Key benefits and insurance coverage

Cardholders get a suite of Visa Infinite perks, including concierge service and hotel privileges that suit Canadian travel habits. The Meridian Visa Infinite Cash Back Card also bundles robust insurance: emergency medical, trip cancellation, baggage, and mobile device protection tailored for domestic and international trips.

Cash back rates stand out: 4% on gas and groceries, 2% on bill payments and pharmacy purchases, and 1% on everything else up to a CAD 25,000 cap. Those insurance and reward layers increase the overall value for families and frequent drivers across provinces like Ontario, Quebec, and B.C.

How to maximize your cash back earnings

Focus spending in the 4% and 2% categories to capture the highest returns; groceries and gas are where Canadians can earn the most. Set recurring payments and use the card for pharmacy and household bills to build consistent cash back without changing daily habits.

Track your annual cap so you don’t lose out once the CAD 25,000 threshold is reached and consider pairing the card with a no-fee secondary card for overflow spending. Redeem rewards as statement credits or deposits to a Meridian account to keep things simple and directly reduce your monthly costs.

Is it the right choice and how to apply

If you regularly spend on gas and groceries and meet the income criteria, the Meridian Visa Infinite Cash Back Card can be one of the top cash back cards in Canada. Compare the CAD 99 fee against the potential cash back you’ll earn in a year to confirm the card pays for itself.

Applying is straightforward through Meridian’s website or at a branch; have proof of income ready and review the full cardholder agreement for limits and insurance terms. For Canadians who want up to 4% on gas and groceries plus Visa Infinite perks, this card is a practical, high-value option to consider.