UBS Visa Signature credit card review | finder.com

Review: UBS Visa Signature credit card – December 2018

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UBS Visa Signature credit card

A solid, no-annual-fee travel card with a decent introductory balance transfer offer.

  • Get this card if … you’re looking for a flexible rewards card with no annual fee.
  • Pick something else if … you want strong point earnings for travel rewards or a signup bonus.
  • Recommended good to excellent credit range of 740 to 850 to apply.
Product NameUBS Visa Signature credit card
Card TypeVisa
Annual Fee$0
APR (Annual Percentage Rate) for Purchases17.24% variable
Introductory Balance Transfer APR 0% for the first 12 billing cycles (then 16.99% variable)
Balance Transfer Fee$10 or 3% of the transaction, whichever is greater
Cash Advance Rate24.24% variable
Foreign Transaction Fee3% of the transaction value or $3, whichever is higher
Cash Advance Fee$10 or 3% of the cash advance amount, whichever is greater
Interest Free PeriodUp to 23 days
Late Payment Fee$38
Returned Payment Fee$38
Additional Cardholder Fee$0
Minimum Age18 years of age

The basics

At first glance, it’s difficult to see how the UBS Visa Signature credit card holds a candle to other rewards cards: You get only 1x points on all purchases, for example. You also don’t get perks like point transfers to hotel and airline programs, like you do with the Chase Sapphire Preferred® Card.

But everything changes when you consider the card’s $0 annual fee. This is a big benefit, especially when many travel cards charge a price for admission. Given this distinction, it’s more appropriate to group the UBS Visa Signature credit card with a solid offering like the BankAmericard Travel Rewards.

You can collect points without the pressure to make an annual fee worthwhile. Afterward, redeem your points for travel, gift cards, merchandise and even statement credit. According to UBS, you can redeem a $350 plane ticket for 25,000 points (that’s a value of 1.4 cents per point) and a $900 ticket for 50,000 points (1.8 cents per point). That’s a good value compared to the industry standard of 1 point = 1 cent.

You’ll find a few more standout features with the UBS Visa Signature credit card. First, through CashConnect, you pay no finance charges or cash advance fees when taking out cash with your credit card. Second, you can access UBS Concierge to make plans in travel, dining and entertainment. And finally, you’ll get a 0% APR for 12 billing cycles on balance transfers you make within the first 90 days.

Editorial Reviews

Review SiteReviewerStar Rating
Value PenguinRobert Harrow95% or 5/5

The perks

  • POINTS: My Choice Rewards earnings. Earn 1 point for every dollar you spend. Redeem points for flights and hotels — with no blackout dates, car rentals, cruises, gift cards, merchandise and statement credit.
  • 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.
  • FREE ATMS: ATM fee rebates. If you’re charged a fee for using an ATM in the US, you’ll be reimbursed up to $3 each time.
  • NO FEES: No annual fee. Unlike other travel cards, this one comes with a $0 annual fee.
  • Signup bonus. Earn 5,000 bonus points after spending $3,000 in the first three months.

You’ll also like …

  • UBS Concierge. Call in for help with travel, event and dining plans.
  • Travel protection. Get lost luggage reimbursement, delayed luggage coverage, emergency assistance, travel accident insurance, auto rental collision damage waivers and roadside assistance.
  • Purchase protection. Purchases come with security, extended warranties and return protection.

What to watch out for

  • Foreign transaction fees. The UBS Visa Signature credit card is solid for travel rewards, but you’ll incur fees when using it abroad.
  • 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 17.24% APR.
  • No interest grace periods on cash advances or balance transfers. Outside of the introductory APR period, any cash advances and balance transfers accrue interest immediately.

Consider other cards if …

Compare top rewards credit cards

Updated December 11th, 2018
Name Product Welcome Offer Reward Value per Dollar APR (Annual Percentage Rate) for Purchases Annual Fee
Earn $150 statement credit after you spend $1,000 in purchases on your new card within the first 3 months
1% cash back
14.99% to 25.99% variable
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$200 statement credit after you spend $1,000 in purchases on your new card within the first 3 months
1% cash back
14.99% to 25.99% variable
$95
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
Earn $150 cash back after spending $500 on purchases in the first 3 months from account opening
1% cash back
16.99% to 25.74% variable
$0
0% Intro APR for 15 months from account opening on purchases and balance transfers.
Earn up to $250. Earn $150 after you spend $1,000 on purchases in the first 3 months of card membership. Earn an additional $100 after you spend an additional $6,500 within the first 12 months
1.5% cash back
14.99% to 25.99% variable
$0
Earn up to $250 back. Earn $150 back after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. Rates & Fees
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
1x points
17.99% to 24.99% variable
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
Earn $150 cash back after spending $500 on purchases in the first 3 months from account opening
1.5% cash back
16.99% to 25.74% variable
$0
0% intro APR for 15 months from account opening on purchases and balance transfers.
50,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new card within the first 3 months.
1x points
See Rates & Fees
$250
50,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
2x miles
17.99%, 21.99% or 24.99% variable
$0 annual fee for the first year ($89 thereafter)
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
75,000 Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months.
2x points
17.74% to 26.74% variable
$0 annual fee for the first year ($95 thereafter)
Enjoy a $0 annual fee on the first year and earn up to 2 Starpoints® for every dollar of eligible purchases. Rates & Fees
125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Ascend Card after you use your new card to make $2,000 in eligible purchases within the first 3 months of card membership.
3x points
17.74% to 26.74% variable
$95
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
75,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new card to make $1,000 in eligible purchases within the first 3 months of card membership.
3x points
17.74% to 26.74% variable
$0
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & Fees
Earn a $150 cash rewards intro bonus after spending $2,500 in the first 3 months. 10% Anniversary Bonus on all Cash Rewards earned once a year.
1.5% cash back
14.99%, 18.99% or 24.99% variable
$0
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months.
1x miles
17.74% to 26.74% variable
$0
Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & Fees
30,000 bonus miles after spending $1,000 in purchases on your new card in your first 3 months and a $50 statement credit after you make a Delta purchase with your new card within your first 3 months.
1x miles
17.74% to 26.74% variable
$0 annual fee for the first year ($95 thereafter)
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
1x points
16.99% variable
$495
Mastercard Black Card members receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
1x points
16.99% variable
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
2x points
16.99% variable
$995
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.

Compare up to 4 providers

How to apply for the UBS Visa Signature credit card

To apply for the UBS Visa Signature credit card, you must be at least 18 years old. You can’t apply from the UBS website; instead, call 800-762-1000 to set up a UBS account and request the card.

Here is some information you’ll need when you apply for the UBS Visa Signature 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 Signature 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 whether you’ve been approved immediately, 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, cash advances and foreign transactions also come with fees.
  • Customer service. If you have questions, contact UBS Client Relations at 800-354-9103.

Bottom line

Since there’s no annual fee to worry about, the UBS Visa Signature credit card lets you earn travel rewards at a leisurely pace. The card is also a good choice if you want a balance transfer offer or if you want to take out cash from your card.

Frequently asked questions

Kevin Joey Chen

Kevin Chen is a world-travelin', copy-writin', Game of Thrones-watchin' credit cards writer for finder.com. When he's not crunching the numbers on bonus points and comparing APRs, you can find him flying around the world in search of the perfect beer.

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2 Responses

  1. Default Gravatar
    AnonymousJanuary 4, 2018

    I want to spend my points earned on my ubs visa account.

    • finder Customer Care
      JhezelynJanuary 5, 2018Staff

      Hi Anonymous,

      Thank you for your comment.

      To redeem your UBS Points for rewards, you may call the UBS Rewards Service Center and select the reward redemption option. The UBS Rewards Service Center is available between 8:00a.m. and 9:00p.m., Monday through Friday, and between 9:00a.m. and 9:00p.m., Saturday and Sunday, Eastern Time (ET). Rewards redemptions are also available online anytime.

      Regards,
      Jhezelyn

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