Best UBS Bank credit cards

Founded as Union Bank of Switzerland in 1862, UBS is now in 50 countries across five continents. It serves high-net-worth, corporate and institutional clients.

UBS–branded credit cards come from its Wealth Management Americas franchise. Among this department’s other offerings are cash management, investments, private wealth management and securities-backed lending.

UBS offers just two credit cards, both with a flexible rewards program that focuses on travel perks and benefits.

Best for frequent travelers

UBS Visa Infinite credit card

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This premium travel card offers high-level perks in travel and rewards. With an annual price tag of $495, it better.

• Pros and cons

  Pros

  • Access more than 1,000 top-tiered airport lounges.
  • Get an annual $250 travel credit.
  • Take advantage of comprehensive travel protection.
  • No foreign transaction fees.
  • Earn 3x points on travel, 2x points on gas and groceries and 1x on everything else.
  • Signup bonus of 25,000 points after you spend $3,000 in the first month.
  • Redeem rewards for travel, merchandise and even to offset your annual fee.

  Cons

  • No intro APR on purchases. You'll need to look elsewhere for an intro APR on purchases.

• More details

  Annual fee	$495
  Purchase APR	15.24% variable
  Balance transfer APR	0% intro for the first 12 billing cycles (then 15.24% variable)
  Welcome Offer	N/A
  Rewards	3x points

Welcome Offer	n/a points
Rewards	3x points
Annual Fee	$495
Minimum Credit Score	740

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Best for budget travelers

UBS Visa Signature credit card

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It's hard to find a travel card without an annual fee. Get rewards for use toward travel and shopping with this no-fee card. But watch out for a 3% foreign transaction fee when spending abroad.

• Pros and cons

  Pros

  • Earn 1x points on all purchases.
  • Redeem rewards toward travel, merchandise and your general statement charges.
  • Merely having the card can help you access exclusive golf clubs, ground transportation services and sightseeing tours.
  • Concierge services help with travel and dining plans.
  • Get upgrades at more than 700 luxury hotels worldwide.

  Cons

  • No intro APR on purchases. You'll need to look elsewhere for an intro APR on purchases.

• More details

  Annual fee	$0
  Purchase APR	15.24% variable
  Balance transfer APR	0% intro for the first 12 billing cycles (then 15.24% variable)
  Welcome Offer	N/A
  Rewards	1x points

Welcome Offer	n/a
Rewards	1x points
Annual Fee	$0
Minimum Credit Score	740

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How to apply for a UBS credit card

The only way to apply for any UBS credit card is to call 888-762-1232 and talk to a representative. Each card comes with credit score and income requirements to qualify.

UBS credit card application requirements

To complete the application, you’ll need to provide:

• Your full name and contact information.
• Your residential status.
• Your annual income, source of income and employment information.
• Your Social Security number.

Compare UBS credit cards

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Name	Product	Welcome Offer	Rewards	Annual fee	Filter values
UBS Visa Signature credit card		N/A	1x points on all purchases	$0		Earn 1x points on all purchases.	View details	Compare	loading Fetching your data...
UBS Visa Infinite credit card		N/A	3x points on airlines, 2x points on gas and groceries, and 1x points on all other purchases	$495		Earn 3x points for commercial air travel, 2x points for gas and groceries, and 1x points for all other eligible purchases.	View details	Compare	loading Fetching your data...

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Types of UBS Bank credit cards

There’s just one kind of UBS Bank credit card available: rewards. Both UBS cards offer points with the main difference in how those points are earned. The UBS Visa Signature credit card is a flat-rate card while the UBS Visa Infinite credit card is a category card.

Typical benefits

Both UBS cards offer a spread of the following benefits:

• Rewards. Earn points on eligible purchases. You can redeem these points on travel, gift cards and more.
• Travel perks. Depending on the card, you can receive travel and purchase protection, statement credits, lounge access and more.
• Fee rebates. These cards offer ATM fee rebates of up to $10 per transaction.

UBS awards

• Received Euromoney’s Best Global Private Bank award in 2017. It ranked first in 11 global and 33 regional country-specific categories.
• Won Best Global Private Bank at the Eighth Annual Global Private Banking Awards in 2016. It also received the Best Private Bank in Asia Award.
• World’s Best Bank for Wealth Management at the Euromoney Awards for Excellence in 2016.

UBS rewards program

You can redeem your UBS reward points by logging in to your UBS account page or calling UBS at: 888-762-1232.

Full list of UBS credit cards

Bottom line

While UBS might not be the first bank you think of when you think “credit cards,” the UBS Visa Infinite may offer enough sizzle to be worth the price. If you’re looking for more than just perks, however, you’ll want to compare credit card options to find one that suits your needs.

Frequently asked questions

• How safe is it to use UBS’s site?
  UBS’s site employs high-level encryption to protect personal information, and it only supports browsers that adhere to its high encryption standards.
• Does UBS offer frequent flyer miles?
  Not exactly. Though UBS offers rewards points for all your spending, these points aren’t specific to airlines. If you’re looking for cards with better travel benefits, you’ll find many specific travel cards to choose from.
• My credit score wasn’t high enough for card approval. How can I improve it?
  You credit is based on factors that include your credit history, age and income. Take a look at ways to you can improve your credit to get credit cards that come with low APRs, long intro promos and strong rewards.