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Best UBS Bank credit cards
Reward cards offering perks for both luxury and budget travelers.
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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.
Quick look at UBS cards
- UBS Visa Infinite credit card: Best for frequent travelers
- UBS Visa Signature credit card: Best for budget travelers
Best of UBS credit cards
Best for frequent travelers
UBS Visa Infinite credit card
740
Min. credit score
Min. credit score
$495
Annual fee
Annual fee
Up to
3x
Points
Points
n/a
Points welcome offer
Points welcome offer
This premium travel card offers high-level perks in travel and rewards. With an annual price tag of $495, it better.
- 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.
| 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 on airlines, 2x points on gas and groceries, and 1x points on all other purchases |
Best for budget travelers
UBS Visa Signature credit card
740
Min. credit score
Min. credit score
$0
Annual fee
Annual fee
Up to
1x
Points
Points
n/a
Welcome offer
Welcome offer
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.
- 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.
| 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 on all purchases |
How we selected our best cards
At the time of this writing, UBS offers two credit cards. We examined their benefits — namely, signup bonus and rewards — and deemed them best in certain categories.
Compare UBS credit cards
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.
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.
The benefits of banking with UBS
If you’re someone who could benefit from financial management and planning, UBS offers a range of banking services through Wealth Management Americas.
As a cardholder, you also enjoy:
- Internet banking. Access online and mobile banking platforms to view your statements, make payments, manage bills and more.
- UBS mobile wallet. Pay for purchases by swiping or tapping your card with your Apple, Samsung or Android phone.
- Fraud protection. These cards come with zero liability, protecting you against fraud.
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
-
UBS’s site employs high-level encryption to protect personal information, and it only supports browsers that adhere to its high encryption standards.
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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.
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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.
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Leah Fallon is an editor for Finder. With 10 years of teaching English under her belt, it was a natural progression to move into editorial. She's written feature pieces for regional print and digital media and today helps fix annoying apostrophes, elusive infinitives and the muddled em and en dash. When she's not helping people with their finances, you can find her exploring the trails of Loudoun County, Virginia and wrangling her two sprightly girls.
More guides on Finder
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UBS Visa Infinite credit card review
The UBS Visa Infinite card is an excellent travel card offering top-notch perks. See how it compares to the Chase Sapphire Reserve and Amex Platinum Card.
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Review: UBS Visa Signature credit card
A solid travel card with a $0 annual fee.