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Review: 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.
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Kevin Joey Chen
Last Updated

Up to 1x

Points

$0

Annual fee

15.24%

Purchase APR (variable)

0%

Intro balance transfer

for the first 12 billing cycles (then 15.24% variable)

Details

Annual fee$0
Welcome offerN/A
Rewards1x points on all purchases
Purchase APR15.24% variable
Balance transfer APR0% intro for the first 12 billing cycles (then 15.24% variable)
Minimum Credit Score740
IssuerVisa
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Review by

Kevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report, Business.com, Lifehacker and CreditCards.com. He's passionate about helping you get your finances in order by expertly navigating cutting-edge financial tools — including credit cards, apps and budgeting software.

Expert review

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.

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.

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.

Compare travel rewards cards

Name Product Welcome Offer Rewards Annual fee Filter values
The Platinum Card® from American Express
The Platinum Card® from American Express
100,000 points after spending $6,000 in your first 6 months, plus 10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 in combined eligible purchases in the same timeframe
10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 combined in the first 6 months, 5x points on prepaid hotels booked with American Express Travel, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other eligible purchases
$695

New Platinum Exclusive Offer

 One of the most valuable premium travel cards, featuring two welcome offers worth up to $7,000 based on Finder's valuation, multiple travel credits and unrivaled lounge access. Terms apply, see rates & fees
Apply now
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American Express® Gold Card
American Express® Gold Card
60,000 points after spending $4,000 in the first 6 months
4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points), 3x points on directly-booked flights and 1x points on other eligible purchases
$250

Rose Gold is Back

 Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 based on our valuation with this upper-mid tier travel card. Terms apply, see rates & fees
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Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
50,000 miles after spending $2,500 in the first 3 months
2x miles on eligible American Airlines purchases, at gas stations and restaurants and 1x miles on all other purchases
$0 intro annual fee for the first year ($99 thereafter)
Earn 50,000 AAdvantage® bonus miles after you spend $2,500 in the first 3 months.
Apply now
View details
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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 15.24% 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.

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. If this card doesn’t fit your needs, check out UBS’s other card options or explore other travel reward cards.

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2 Comments

    Default Gravatar
    Anonymous
    January 4, 2018

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

    Reply
      Avatarfinder Customer Care
      Jhez
      January 5, 2018

      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

      Reply
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