Is the UBS Visa Signature credit card worth it? | August 2018

Review: UBS Visa Signature credit card – August 2018

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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 680 to 850 to apply.
Product NameUBS Visa Signature credit card
Card TypeVisa
Annual Fee$0
APR (Annual Percentage Rate) for Purchases16.74% variable
Introductory Balance Transfer APR 0% for the first 12 billing cycles (then to variable)
Balance Transfer Fee3% or $10 of the transaction, whichever is greater
Cash Advance Rate23.74% variable
Cash Advance Fee$10 or 3% of the cash advance amount, whichever is greater
Foreign Transaction Fee3% of the transaction value or $3, whichever is higher
Interest Free PeriodUp to 23 days
Minimum Interest$0
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® credit 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 16.74% 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 August 20th, 2018
Name Product Welcome Bonus Reward Value per Dollar APR (Annual Percentage Rate) for Purchases Annual Fee
1.5 points
14.74%, 18.74% or 24.74% variable
$0
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees
1 points
16.74% 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.
1 points
16.74% variable
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
2 points
16.74% 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.
Earn 15,000 points after spending $1,000 in the first 3 months
1 points
14.74% to 24.74% variable
$95
15,000 Membership Rewards points after you spend $1,000 in the first 3 months of opening your account
Earn 10,000 points after spending $1,000 in the first 3 months
1 points
14.74% to 25.74% variable
$0
Earn 10,000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months.
Earn 200 cash back after spending $1,000 in the first 3 months
1% cash back
14.74% to 25.74% variable
$0
Earn $200 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $200 back in the form of a statement credit.
Earn 250 cash back after spending $1,000 in the first 3 months
1% cash back
14.74% to 25.74% variable
$95
Earn $250 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $250 back in the form of a statement credit.
Earn 150 cash back after spending $500 in the first 3 months
1.5% cash back
16.74% to 25.49% variable
$0
Earn unlimited 1.5% cash back on every purchase - it's automatic. No minimum to redeem for cash back.

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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 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 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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