UBS Visa Infinite Credit Card Review: Full Details

4 days agoLast Updated: November 8, 2024

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Is the Capital One Venture Rewards Card worth buying?

Overview of the UBS Visa Infinite credit card

The UBS Visa Unlimited Credit Card offers many benefits, including popular perks like preferred membership and price protection, which most other cards have discontinued. However, the earning rate is modest and some cardholders may have difficulty maximizing the redemption amount. Card rating*: ⭐⭐⭐

**Card review based on the opinions of the TPG editorial board and not influenced by the card issuer.*

The UBS Visa Unlimited Credit Card isn’t often mentioned much in the travel credit card world. However, it has useful perks like statement credits, price protection, and Priority Pass Membersmakes it stand out from the crowd. Approved applicants have credit score from 730 and up.

This card certainly isn’t right for everyone, especially with its $495 annual fee.

Let’s examine the UBS Visa Infinite Credit Card more closely to see if it’s a good addition to your wallet.

Information about the UBS Visa Infinite Card has been independently collected by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Pros and cons of the UBS Visa Infinite Credit Card

Advantage	Disadvantages
Statement credit Enjoy hotel VIP programs/benefits Lounge access There are no foreign transaction fees	High annual fee There are no transfer partners High spending requirements for annual travel credits

Welcome offer UBS Visa Infinite Credit Card

One of the biggest downsides to the UBS Visa Infinite card is that it doesn’t currently offer any type of welcome bonus.

Previously, this card had a welcome offer. You must call UBS or contact your UBS financial advisor to apply for the card, which is different from the application process for most cards. Higher welcome bonuses are sometimes offered to UBS clients when they speak to their UBS financial advisor.

If you’re looking for a premium travel rewards card that currently has a welcome offer, consider applying for a card like American Express Platinum® Cardfemale Reserve Chase Sapphire® or Capital One Venture X Rewards Credit Card.

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Benefits of the UBS Visa Unlimited Credit Card

The UBS Visa Infinite card has many benefits and perks, including some that most other issuers have removed from their cards. One of the card’s best benefits is its Priority Pass Select membership.

Additionally, UBS Visa Infinite offers great shopping protections—including increasingly rare price protection and nearly unprecedented event ticket protection—when you make purchases with your card:

Buy security up to USD 10,000 per claim and USD 50,000 per cardholder
Price protection up to $500 per item and $1,500 per year
Return protection up to $300 per item and $1,000 per year
Extended warranty service extend warranties from three years or less to up to one year (with a maximum of $10,000 per claim and $50,000 per cardholder)
Event ticket protection up to $500 per event ticket, $2,000 per event, and $5,000 per year

The card comes with a $250 airline fee credit, which works the same way Airline fee credits are offered by some Amex cards (registration may be required; terms apply). The UBS Visa Infinite airline fee credit is for ancillary airline fees on an eligible U.S. domestic airline you have selected.

Examples of eligible airline fees include preferred seat upgrades, checked baggage fees, in-flight entertainment, in-flight food and beverage fees, and airport lounge fees. You need to select an eligible airline in advance; You won’t be able to change your selection until the next calendar year, so choose carefully.

Cardholders also have access to many additional travel benefits and perks, including:

Global entry or TSA Pre-Check Credit reports registration fees of up to $100 every four years.
Access to hotel bookings with elite benefits through the Visa Infinite Luxury Hotel Collection
Get access to additional perks, amenities and elite rates at the world’s leading Hotels, LVH Global, Mandarin Oriental Hotel Group, Marriott International Luminous, Marriott International STARS, Preferred Hotels & Resorts, Relais & Chateaux , Shangri-La, Small luxury hotels of the worldWaldorf Astoria and Conrad Hotels & Resorts hotels when you book through UBS Concierge
Trip delay refund up to $500 per ticket to reimburse food and lodging costs if travel is delayed by more than six hours or an overnight stay is required
Baggage delay insurance up to 100 USD per day for three days (capped at 300 USD for 12 months).
Trip cancellation and trip interruption insurance up to $5,000 per common carrier fare
Return lost luggage up to $5,000 per covered trip (New York residents limited to $2,000 coverage per bag)
Primary insurance reimbursement due to collision or damage, up to the value of most rental cars
Pay emergency medical evacuation and shipping insurance up to $100,000
Travel accident insurance up to 1,000,000 USD
Reduced car rental prices with Avis and National
Private aviation benefits with NetJets

Finally, cardholders also have access to other perks:

UBS Concierge to help coordinate travel planning, dining, entertainment, event ticket access and more
Use your card at any ATM and pay no cash or finance fees upfront (if funds are available in the linked UBS resource management account), and get unlimited ATM fee discounts when withdrawing cash in the US (up to 10 USD per transaction)
There are no foreign transaction fees

Earn points on the UBS Visa Unlimited Credit Card

UBS Visa Infinite earns 3 points per dollar spent on commercial air travel, 2 points per dollar spent on gas And grocery and 1 point per dollar spent all other qualifying purchases.

Since points are typically redeemable for 1 to 1.8 cents each, you’ll get a real return of 3 to 5.4% on commercial air travel, 2 to 3.6% on gasoline and groceries and 1 to 1.8% on all other purchases.

There’s no limit to the number of points you can earn, and points don’t expire as long as your card is open.

Redeem points on the UBS Visa Infinite Credit Card

There are many options for Redeem your points. You can redeem online through UBS Online Services or by phone with the UBS Rewards Desk, but you’ll want to redeem for a flight that costs as close to $900 as possible without going through.

Although you can redeem tickets that cost more than $900, you must pay the price difference using additional points at a rate of 5,000 points per $50. You can only make additional payments in points and you must do so in increments of 5,000 points. But trading in a ticket that costs less than $900 leaves the potential value hanging in the balance.

Let’s say you can find a bookable flight through UBS for just under $900, which means you could get up to 1.8 cents per point. Alternatively, you can redeem 25,000 points through the UBS Rewards Hub for a flight costing up to $350 – but this will only net you a maximum of 1.4 cents per point.

If you’re having trouble finding a flight for just under $900 or just under $350, there are other redemption options. For example, you can pay with points for gift card and goods. You can also cover your annual fee with points. But these other options typically offer no more than a penny in value per point.

This is definitely an unorthodox travel card redemption program, and it’s not one I’m particularly a fan of.

Which cards compete with the UBS Visa Infinite Credit Card?

If you’re considering the UBS Visa Infinite, you can compare it to other premium travel cards.

If you want a premium card with a lower annual fee: the Capital One Venture X Rewards Credit Card offers broad access to Priority Pass, Plaza Premium, and Capital One lounges for a better annual fee of $395 (see exchange rates and fees). The card also offers travel protections, and cardholders earn 2 miles per dollar on all purchases. Cardholders also receive up to $300 in travel credit per year to use on Capital One Travel. To learn more, take a look Full review of Capital One Venture X.
If you want more statement credits: American Express Platinum Card is the pinnacle of high-end luxury cards. This card provides access to Priority Pass lounges, Plaza Premium lounges, and the Amex Centurion Lounge network. Registration is required; Terms apply. This card has a higher annual fee of $695 (see exchange rates and fees). To learn more, take a look Full review of Amex Platinum.
If you like Chase and flexible travel credit: the Chase Sapphire Sanctuary offers a generous and easy-to-use $300 annual travel credit on Chase Travel℠ purchases that helps offset the card’s $550 annual fee. The card comes with Priority Pass lounge access, which includes access to Chase’s own brand of lounges open in the United States. The card earns 3 points per dollar on food and travel purchases made outside of Chase Travel (after the first $300 in travel purchases each year). These categories are broadly defined, helping you earn points faster. To learn more, read ours Full review of Sapphire Reserve.

For more options, see our full list of best travel credit cards And best premium travel cards.

Is the UBS Visa Infinite Credit Card worth it?

UBS Visa Infinite charges an annual fee of $495, but it can be a good choice for travelers who can get value from premium, service-oriented benefits. The card also offers some of the most comprehensive travel and shopping benefits you’ll find on a travel rewards card available. That said, you may want to pass on this card if you don’t get significant value from its perks, if you’re looking for a card with an attractive earning rate, or want a card with Earn transferable rewards.

Bottom line

Despite the lackluster earnings rate, the UBS Visa Unlimited Credit Card offers valuable benefits that may justify the $495 annual fee for some. From comprehensive travel protections and premium travel benefits to price protectionThe card’s many benefits can effectively offset its annual fee.

You’re more likely to get significant value from the card if you’re looking for premium travel perks like private airline benefits, elite amenities at select hotel brands, and concierge staff. knowledgeable.

For Amex Platinum Card rates and fees, please click This.

For Capital One products listed on this page, some benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Benefits Guide for details on when terms and exclusions apply.

4 days agoLast Updated: November 8, 2024

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