Is the UBS Visa Infinite credt card it? | April 2018

Review: UBS Visa Infinite credit card – April 2018

A premium travel card that compares favorably to other options on the market.

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  • Get this card if… you want premium travel perks and spend a lot on your credit card.
  • Pick something else if you don’t want to pay a high annual fee, don’t spend much on your card or don’t travel much.
  • Recommended good to excellent credit range of 680 to 850 to apply.
Product NameUBS Visa Infinite credit card
Intro APR for Balance Transfer0% Intro APR for 12 billing cycles (with whichever is greater, $2 - $10 or 2% - 3% balance transfer fee)
Balance Transfer Rate (not intro)16.49% variable
APR for Purchases ( Purchase Rate )16.49% variable
Annual fee$495
Cash Advance Rate23.49% variable
Card TypeVisa
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 23 days
Returned Payment Fee$38
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
0% of transaction value
Minimum Credit ScoreFair (660-699)
Minimum Age18 years of age
Annual fee$495
Returned Payment Fee$38
Over The Credit Line Fee$0
Late Payment Fee$38
Cash Advance Fee$2 - $10 or 2% - 3% of the amount of each cash advance, whichever is greater

The Basics

In the stratosphere of high-class travel, premium credit cards offer the world to consumers just to stay competitive.

The bar is already set high, thanks to giants like the Amex Platinum Card and the Chase Sapphire Reserve. These cards are unabashedly aimed at high-net-worth individuals, offering perks like complimentary airport-lounge access, travel credits and exclusive perks at top hotels.

If you like traveling the world in style, banks want your business. What’s more, they’re willing to offer incredible benefits to win you over.

Is the UBS Visa Infinite worth a look?

If you’re looking for another premium card option, there’s good news: The UBS Visa Infinite stacks up well against existing players. These perks come standard:

  • Complimentary Priority Pass Select membership. This gets you into more than 1,000 airport lounges around the world.
  • Travel credits. You’ll receive a $250 travel credit on a qualifying airline of your choice, as well as a $100 credit every four years for your Global Entry/TSA Pre application.
  • Travel protection. You’ll receive a comprehensive collection of travel protections, including trip delay reimbursement, travel accident insurance and rental car coverage.

Those perks alone don’t separate the UBS Visa Infinite from the pack. However, the card distinguishes itself with these other impressive benefits:

  • Airport lounge credit. If you spend at least $50,000 on your card, you’ll get a credit of up to $500 for airport-lounge day passes or memberships.
  • Exclusive hotel perks. Get complimentary upgrades at a dazzling suite of resorts: Visa Infinite Luxury Hotel Collection, Starwood Hotels, Mandarin Oriental, Relais & Châteaux, Villas of Distinction and more.
  • Concierge. UBS offers its own spin on concierge service. According to the bank, you can get a dining reservation “at nearly any restaurant in the world.” The Backroads program takes you beyond typical tourist destinations. And you can enjoy customized travel experiences through Kensington Tours.
  • Points earning. The UBS Visa Infinite offers perhaps the most sensible points earning you’ll find among premium travel cards. You’ll get the most points (3x) on air travel, which is to be expected. But the real prize is the card’s focus on everyday spending — you’ll get 2x points on gas and groceries. Of course, you’ll earn 1x points on all other eligible purchases.

All said, the UBS Visa Infinite is a worthy contender in the premium travel space, and it’s well worth your consideration.

How the UBS Visa Infinite compares

Where it has the edgeAnd where it doesn’t
  • 2x points on gas and groceries
  • Airport lounge credit
  • Excellent hotel perks
  • ATM fee rebates, no cash advance fees through CashConnect
  • No signup bonus
  • No hotel loyalty program upgrades
  • No point transfers to airline or hotel programs

Compare elite rewards credit cards

UBS Visa InfiniteUBS
Visa Infinite
Chase Sapphire ReserveChase
Sapphire Reserve
Amex Platinum CardAmex
Platinum Card
Mastercard Black CardMastercard
Black Card
Annual fee$495 p.a.$450 p.a.$550 p.a.$495 p.a.
Signup bonusNoneBONUS POINTS after spending $4,000 on purchases in the first 3 months from account opening* — that's $750 toward travel when you redeem through Chase Ultimate Rewards®.NoneNone
Points earning
  • 3x points on air travel
  • 2x on gas and groceries
  • 1x on all other eligible purchases
  • 3x points on all travel
  • 3x points on dining
  • 1x points on everything else
  • 5x on flights booked through airlines or Amex Travel
  • 5x on eligible hotels booked through Amex Travel
  • 1x points on all other eligible purchases
  • 1x points on all purchases
Rewards or points value1% to 1.8%1.5% to 4%1%1.5% to 2%
Priority Pass Select membershipYesYesYesYes
Other airport lounges$500 credit for airport lounge membership (must spend $50,000 on card each year)N/AThe Centurion Lounges, The International American Express lounges, Delta Sky ClubN/A
Travel credits$250 on a qualifying airline each year$300 each year for travel purchases$200 on a qualifying airline each year$100 airline credit each year
Global Entry or TSA PreCheck credit$100 every four years for application feeUp to $100 every four years for application feeUp to $100 every four years for application fee$100 every five years for application fee
Hotel perksVisa Infinite Luxury Hotel Collection, Relais & Châteaux, Villas of Distinction, Ritz-Carlton, Fairmont, Park Hyatt, Starwood Hotels & Resorts, Mandarin OrientalThe Luxury Hotel & Resort CollectionAmex Fine Hotels & Resorts, The Hotel Collection, Starwood Preferred Guest, Hilton HonorsMastercard Luxury Hotels & Resorts Portfolio
Hotel loyalty program upgradesNoneNoneStarwood Preferred Guest Gold, Hilton Honors GoldNone
Point transfer to frequent flyer programsNoYesYesNo
Point transfer to hotel loyalty programsNoYesYesNo
Comprehensive travel protectionYesYesYesYes
Standout benefits
  • Gogo Wi-Fi
  • Special rental car privileges
  • UBS Dining Program
  • Upgraded amenities in cruises
  • ATM fee rebates
  • No cash advance fees with CashConnect
  • Special car rental privileges
  • $200 Uber credit
  • Complimentary Boingo Wi-Fi
  • By Invitation Only events
  • Global Dining Collection
  • Preferred Seating
  • Complimentary Gold Card
  • Chauffeured transportation
  • Exclusive cruise perks
  • Charter services
  • Luggage delivery
ConciergeUBS ConciergeVisa Infinite ConciergePlatinum ConciergeLuxury Card Concierge
Foreign transaction feesNoneNoneNoneNone

What are UBS points worth?

According to UBS, you can redeem 25,000 points for a plane ticket worth up to $350. Assuming you can snag a $350 ticket, that means 1 point is worth 1.4 cents. Furthermore, you can redeem 50,000 points for a ticket worth up to $900. If you can get a $900 ticket, 1 point is worth 1.8 cents.

Those are good values, especially compared to the industry average of 1 point = 1 cent.

However, your points might not always be worth as much as you think. For example, if you have to spend 25,000 points but get a ticket worth $250, your points are only worth 1 cent apiece.

UBS Visa Infinite and UBS Visa Signature: What’s the difference?

There’s a huge difference between the UBS Visa Infinite and its sister card, the UBS Visa Signature.

Start with the price disparity: The Infinite costs $495 p.a. a year, while the Signature comes with no annual fee. As you might guess, the cards bring different features to the table.

It’s easiest way to think of the Signature is as a solid, no-frills rewards card. You’ll earn points that you can spend on travel, gift cards and merchandise. Beyond a smattering of other perks — like ATM fee rebates, UBS Concierge and travel protection — that’s pretty much all there is to the card. It’s not necessarily a bad thing, however, given you don’t have to pay anything to obtain the card. The Signature is most similar to a card like the BankAmericard Travel Rewards.

The Infinite is a different story. At an annual $495 p.a. price point, you expect a lot from the card. Luckily, you won’t be disappointed: You’ll get benefits like complimentary Priority Pass Select membership, travel credits, perks at the world’s classiest hotels and comprehensive travel protection. In that sense, the Infinite is competitive with other top-tier travel cards like the Chase Sapphire Reserve and the Amex Platinum Card.

All in all, the Signature is a better choice if you don’t travel much or spend much on your card. The Infinite is the right pick if you like traveling the world in style — and you spend enough to make the card’s annual fee worth it.

The Perks

  • POINTS: My Choice Rewards earnings.
    Earn 3x points on commercial air travel, 2x points on gas and groceries and 1x points on other eligible purchases. Redeem points for flights, hotels and cruises (with no blackout dates), as well as car rentals, gift cards, merchandise and statement credit. You can also redeem 35,000 points to pay for your annual fee.
  • CASH CONNECT: Get cash with no finance charges or cash advance fees.
    As long as you have enough money in your UBS Resource Management Account, you won’t be charged interest or cash advance fees when you take out cash. Your cash advance is automatically repaid the same night.
  • ATM fee rebates.
    If you’re charged a fee for using an ATM in the US, you’ll be reimbursed up to $10 each time.
  • Airport club memberships.
    Get complimentary Priority Pass Select membership for access to over 1,000 airport lounges. Also, receive a $500 credit each year for airport-club day passes or memberships. (You must spend at least $50,000 a year on your card.)
  • Airport perks.
    Each year, receive 12 Gogo Wi-Fi passes and a $250 credit to use on a qualifying airline. Every four years, get a $100 statement credit for your Global Entry application.
  • Visa Infinite Luxury Hotel Collection perks.
    At Visa Infinite Luxury Hotel Collection properties, receive benefits like food and beverage credits, automatic room upgrades, complimentary Wi-Fi, complimentary daily breakfast and late checkout.
  • VIP treatment at select hotels.
    Receive VIP benefits at resorts like Ritz-Carlton, Park Hyatt, Fairmont and Relais & Châteaux when booking through UBS Concierge. Also, get VIP perks at Starwood Hotels and Mandarin Oriental. Benefits include complimentary room upgrades and breakfast, hotel credits and complimentary in-room Wi-Fi.

You’ll also like…

  • Service credits at Villas of Distinction properties. Receive up to $700 in credits for amenities and services at Villas of Distinction properties.
  • No foreign transaction fees.
  • UBS Concierge. Get help with travel, event and dining plans.
  • Travel protection. Get benefits like trip delay reimbursement, canceled trip reimbursement, lost luggage reimbursement, travel accident insurance, emergency medical evacuation coverage, baggage delay coverage, roadside assistance, car rental insurance and emergency assistance.
  • Purchase protection. Get purchase security, extended warranties and return protection.

What to watch out for

  • No signup bonus. This is disappointing, seeing as both the Chase Sapphire Reserve and the Amex Platinum Card offer signup bonuses.
  • It hurts to pay late. Making late or returned payments could result in fees as high as $38.00.
  • Expiration on intro balance transfer APR. You’ll accrue no interest on your initial balance transfers for 12 billing cycles. Afterward, your transfers are subject to a 16.49% variable APR.
  • No interest grace periods on cash advances or balance transfers. Outside of the introductory APR period, any cash advances and balance transfers will accrue interest immediately.

Consider other cards if …

How to apply for the UBS Visa Infinite credit card

To apply for the UBS Visa Infinite, you must be at least 18 years old. You can’t apply from the UBS website. Instead, call 888-762-1232 to set up a UBS account and request the card.

Always consider your options and your financial situation before you apply for a credit card. Here’s information you’ll need when you apply for the UBS Visa Infinite:

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

What credit score do I need?

You’ll have a better chance of being approved for the UBS Visa Infinite if you apply with a good to excellent credit score of 680 or higher.

How long will it take to be approved?

Credit card approval depends on a variety of factors. It’s possible to find out immediately whether you’ve been approved, but approval could take up to a few weeks.

I got the card. Now what?

  • Make timely payments. Pay your credit card bill online through the UBS website.
  • Avoid interest payments. After the close of each billing cycle, you have a grace period of 23 days to pay your balance. If you do, you won’t pay interest on your purchases.
  • Avoid fees. Late and returned payments come with hefty fees of up to $38. Balance transfers and cash advances also come with fees.
  • Customer service. If you have questions, contact UBS Client Relations at 1-800-354-9103.

Bottom line

The UBS Visa Infinite is a premium travel card that compares favorably to other options on the market.

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