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25,000
Points as welcome offer
Up to 3x
Points
$495
Annual fee
15.24%
Purchase APR (variable)
Annual fee | $495 |
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Welcome Offer | N/A |
Rewards | 3x points on airlines, 2x points on gas and groceries, and 1x points on all other purchases |
Purchase APR | 15.24% variable |
Balance transfer APR | 0% intro for the first 12 billing cycles (then 15.24% variable) |
Recommended minimum credit score | 740 |
Issuer | Visa |
Review by
Megan Horner is the credit cards publisher at Finder. She's passionate about helping you find the best credit cards to meet your financial needs — whether that's earning great rewards or improving your credit score. Megan's expertise has been spotlighted on Lifehacker, CreditCards.com, American Banker and featured on news broadcasts across the country.
To apply for the UBS Visa Infinite credit card, 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.
Here’s information you’ll need when you apply for the UBS Visa Infinite credit card:
You’ll have a better chance of being approved for the UBS Visa Infinite credit card if you apply with a good to excellent credit score of 740 or higher.
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.
If you’re looking for another premium card option, there’s good news: The UBS Visa Infinite credit card stacks up well against existing players. These perks come standard:
Those perks alone don’t separate the UBS Visa Infinite credit cardfrom the pack. However, the card distinguishes itself with these other impressive benefits:
All said, the UBS Visa Infinite credit card is a worthy contender in the premium travel space, and it’s well worth your consideration.
Where it has the edge | And where it doesn’t |
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Annual fee | $495 | $550 | $550(Terms apply, see rates & fees) | $495 |
Welcome bonus | Earn 25,000 points after spending $3,000 in the first 3 months | 60,000 points after spending $4,000 on purchases in the first 3 months from account opening | 75,000 points after spending $5,000 in your first 6 months, plus 10x points at US gas stations and US supermarkets on up to $15,000 in combined purchases in the same timeframe | None |
Points earning |
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Rewards or points value | 1% to 1.8% | 1.5% to 4% | 1% | 1.5% to 2% |
Priority Pass Select membership | Yes | Yes | Yes | Yes |
Other airport lounges | $500 credit for airport lounge membership (must spend $50,000 on card each year) | N/A | The Centurion Lounges, The International American Express lounges, Delta Sky Club | N/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 fee | Up to $100 every four years for application fee | Up to $200 every four years for application fee | $100 every five years for application fee |
Hotel perks | Visa Infinite Luxury Hotel Collection, Relais & Châteaux, Villas of Distinction, Ritz-Carlton, Fairmont, Park Hyatt, Starwood Hotels & Resorts, Mandarin Oriental | The Luxury Hotel & Resort Collection | Amex Fine Hotels & Resorts, The Hotel Collection, Starwood Preferred Guest, Hilton Honors | Mastercard Luxury Hotels & Resorts Portfolio |
Hotel loyalty program upgrades | None | None | Starwood Preferred Guest Gold, Hilton Honors Gold | None |
Point transfer to frequent flyer programs | No | Yes | Yes | No |
Point transfer to hotel loyalty programs | No | Yes | Yes | No |
Comprehensive travel protection | Yes | Yes | Yes | Yes |
Standout benefits |
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Concierge | UBS Concierge | Visa Infinite Concierge | Platinum Concierge | Luxury Card Concierge |
Foreign transaction fees | None | None | None | None |
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.
There’s a huge difference between the UBS Visa Infinite credit card and its sister card, the UBS Visa Signature credit card.
Start with the price disparity: The UBS Visa Infinite credit card costs $495 a year, while the UBS Visa Signature credit card 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 UBS Visa Signature credit card 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 UBS Visa Signature credit card is most similar to a card like the Bank of America® Travel Rewards Credit Card.
The UBS Visa Infinite credit card is a different story. At an annual $495 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 UBS Visa Infinite credit card is competitive with other top-tier travel cards like the Chase Sapphire Reserve® and The Platinum Card® from American Express.
All in all, the UBS Visa Signature credit card is a better choice if you don’t travel much or spend much on your card. The UBS Visa Infinite credit card 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 UBS Visa Infinite credit card is a premium travel card that compares favorably to other options on the market.
However, that doesn’t mean that it has to be the right card for you. If it’s not, check out UBS’s other card options or see what else is out there when it comes to credit cards designed for travelers who like a little bit of luxury.