A premium travel card that compares favorably to other options on the market.
- 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 740 to 850 to apply.
|Product Name||UBS Visa Infinite credit card|
|APR (Annual Percentage Rate) for Purchases||17.49% variable|
|Introductory Purchase APR|
|Balance Transfer APR||17.49% variable|
|Introductory Balance Transfer APR||0% for the first 12 billing cycles (then 17.49% variable)|
|Balance Transfer Fee||$10 or 3% of the transaction, whichever is greater|
|Cash Advance Rate||24.49% variable|
|Cash Advance Fee||$3 or 10% of the cash advance amount, whichever is greater|
|Interest Free Period||Up to 23 days|
|Late Payment Fee||Up to $38|
|Returned Payment Fee||Up to $38|
|Additional Cardholder Fee||$0|
|Minimum Age||18 years of age|
|Welcome Offer||Earn 25,000 points after spending $3,000 in the first 3 days|
|Rewards||Earn 3x points for commercial air travel, 2x points for gas and groceries, and 1x points for all other eligible purchases.|
|Base Rewards||1x points|
|Rewards Points Expiration||Never|
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 Platinum Card® from American Express 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.
Another premium travel card
Chase Sapphire Reserve®
Is the UBS Visa Infinite credit card worth a look?
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:
- Complimentary Priority Pass Select membership.
This gets you into more than 1,000 airport lounges around the world.
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.
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 credit cardfrom 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.
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.
The UBS Visa Infinite credit card 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 credit card is a worthy contender in the premium travel space, and it’s well worth your consideration.
How the UBS Visa Infinite credit card
|Where it has the edge||And where it doesn’t|
Compare elite rewards credit cards
|UBS Visa Infinite credit card||Chase Sapphire Reserve®||The Platinum Card® from American Express||Luxury Card Mastercard® Black Card™|
|Welcome bonus||Earn 25,000 points after spending $3,000 in the first 3 months||50,000 points after spending $4,000 on purchases in the first 3 months from account opening||None||None|
|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 $100 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|
|Concierge||UBS Concierge||Visa Infinite Concierge||Platinum Concierge||Luxury Card Concierge|
|Foreign transaction fees||None||None||None||None|
What are UBS Visa Infinite credit card 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 credit card and UBS Visa Signature credit card: What’s the difference?
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.
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.)
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.
Get help with travel, event and dining plans.
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.
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 Platinum Card® from American Express offer welcome bonuses.
It hurts to pay late.
Making late or returned payments could result in fees as high as $38.
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 17.49% 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 …
- You want a cash-back card.
The UBS Visa Infinite credit card offers points for your spending. For cash back, consider cards like the Citi® Double Cash Card and Blue Cash Preferred® Card from American Express.
You don’t want to pay a high annual fee.
You can find other excellent (and cheaper) travel cards like the Chase Sapphire Preferred® Card, Barclaycard Arrival® Plus World Elite Mastercard® and Bank of America® Travel Rewards credit card.
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How to apply for the UBS Visa Infinite credit card
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:
- 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 credit card if you apply with a good to excellent credit score of 740 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.
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, see what else is out there when it comes to credit cards designed for travelers who like a little bit of luxury.