UBS Visa Unlimited Credit Card Overview
UBS Visa Infinite credit card offers many benefits, including popular benefits such as Priority Pass such as featured membership and price protection. However, the income rate is small and some cardholders may have difficulty maximizing redemption. Card rating*: ⭐⭐
*Card ratings are based on the opinions of TPG editors and are not affected by the card issuer.
UBS visa unlimited credit cards are usually not much in the travel credit card circle. However, it has useful benefits such as statement credit, price protection and priority pass membership that makes it stand out from the crowd. We recommend applicants have a credit score of 730 or higher to increase their chances of approval.
This card is certainly not for everyone, especially at a cost of $650 per year.
Let’s check out the UBS Visa Infinite credit card to see if it’s a good addition to your wallet.
Information on UBS visa unlimited card has been collected independently by Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Pros and cons of UBS visa unlimited credit card
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UBS visa unlimited credit card welcome offer
One of the biggest drawbacks of the UBS Visa Infinite card is that it currently does not offer welcome rewards (although it did before).
To apply, you must call UBS or contact your UBS Financial Advisor, which has a different application process than most cards.
If you are looking for a premium travel reward card with welcome offers, consider applying for cards like American Express, Chase SapphireReserve® (see Rates and Fees), or Capital One Venture X Rewards Credit Credit Credit Card.
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Related: Best Credit Card Welcome Offer of the Month
UBS visa unlimited credit card benefits
The UBS Visa Infinite card comes with benefits and allowances, which are expected from cards of such age. One of the best benefits of this card is its priority passing membership.
While priority pass membership is common on top travel cards, what is infinitely far from most competing UBS visas is access to its priority pass restaurant. These days, few cards offer this allowance, so if this is essential to you, the UBS visa unlimited may belong to your wallet.
Plus, UBS Visa Unlimited offers excellent shopping protection when you buy with a card – including increasingly rare price protection and almost unheard of ticketing for events:
- Security can be purchased for up to $10,000 per claim and $50,000 per year
- 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 extends warranty of three years or less for one year
- Tickets up to $500 per event, $2,000 per event and $5,000 per year for event ticket protection
This card comes with a $500 airline fee credit and works similar to the airline fees provided by the SELECT AMEX card (AMEX card may require registration; terms and conditions apply).
The airline fee for UBS Visa Infinite is the auxiliary airline fee for a qualified domestic American airline of your choice. Examples of qualified airline fees include preferred seat upgrades, check baggage fees, car food and beverage fees, and airport breaks.
You must select a qualified airline in advance. You will not be able to change the selection until the next calendar year, so choose carefully.
If the cardholder spends $25,000 or more during the calendar year, the card also offers up to $500 declared points. Statement points must be required and eligible for restaurant transactions, Amazon premium membership fees and airport lounge fees, your qualified UBS visa unlimited card account, up to $500 per calendar year. A declared credit must be requested within 120 days of the transaction date.
Given the limitations of spending requirements and how to use stated credit, it is definitely not a benefit worth paying a lot of ideas.
Cardholders also have access to a variety of additional travel benefits and privileges, including:
- Global Entry or TSA Precheck Application Fee Statement Lender up to $120 per four years
- Access book hotels with Elitelike Buty with Visa Infinite Luxury Hotel Collection
- Get privileges, facilities and prices for other Elitelike in certain properties such as the world’s leading hotels, LVH Global, Mandarin Oriental Hotel Group, Marriott International Lumount, Marriott International Stars and Preferred Hotels & Resorts when you book through UBS Concierge
- Gigsky offers annual 5GB, 30-day free data roaming plan through the Gigsky App (requires compatible ESIM devices)
- Car rental discounts for AVIS and National
- Private aviation benefits
In addition, UBS visa provides the following protections:
Finally, cardholders can also access these other privileges:
- UBS Concierge Services assists in coordinating travel plans, catering, entertainment, event ticket access and more
- Use your card on any ATM, no cash advance or financing fees (if funds are available in the linked UBS Resource Management or Business Services account), and unlimited ATM fee discounts for cash withdrawals in the United States (up to $10 per transaction)
- No foreign transaction fees
Related: Visa Infinite: Everything You Need to Know, From Taxi Privileges to Lounge Access
Points on UBS Visa Unlimited Credit Card
Unlimited earnings for UBS visa:
- Spend 3 points per dollar on qualified air travel
- Spend 2 points on a selection of digital streaming, newspapers, cable TV and groceries
- Spend 1 point per dollar to spend on all other qualified purchases
Since points can usually be redeemed for 1 to 1.8 cents, you will get a valid return of 3 to 5.4% on commercial air travel, a valid return of 2 to 3.6% on select digital entertainment, newspapers, cable TV and groceries, and an effective return of 1 to 1.8% on all other purchases.
There is no limit to the points you can earn, and as long as your card is opened, the points will not expire.
Related: Maximize your tickets: The best credit card for booking flights
Redemption points on UBS visa unlimited credit card
There are many options to redeem your point of view. You can redeemed online via UBS online service or via UBS Awards Table.
If you are redeeming for a flight, you need to redeem it without cashing out, and the price is close to $350 or $900.
Although you can redeemed tickets that cost more than these amounts, you must use additional points to pay the price difference at a price of 5,000 points per $50. You can only make additional payments with points and must be made in 5,000-point increments.
Assuming you can find flights that can be booked through UBS for less than $900, this means you can reach up to 1.8 cents per point. Plus, you can redeemed 25,000 points through the UBS Rewards Service Center for up to $350, but that only gives you 1.4 cents per point.
It’s hard to find other redemption options if you’re on flights under $900 or just under $350. For example, you can use dots to pay for gift cards and merchandise. You can also pay the annual fee with points. But these other options usually do not exceed one value per point.
Most rewards programs make redemption points easier on flights than this, so consider the promise of $650 per year on this card.
Related: How to decide when to use cash or miles to buy a ticket
Which card competes with UBS visa unlimited credit card?
If you are considering using UBS Visa Infinite, you might compare it to other premium travel cards.
- If you want a premium card with a lower annual fee: Capital One Venture X Rewards credit card offers priority passes and access to Capital One lounges, with an even higher annual fee of $395. The card also offers travel protection, and cardholders spend 2 miles on all purchases per dollar. Cardholders also receive a $300 annual travel credit for Capital One Travel. To learn more, check out our full review of Capital One Venture X.
- If you want more statement points: The Platinum Card of the American Express is the pinnacle of premium luxury cards. The card provides access to Priority Pass Lounges, Plaza Premium Lounges and Amex Centurion Lounge networks. Registration is required; Terms and conditions apply. The card costs more per year at $695 (see rates and fees). To learn more, check out our full review of Amex Platinum.
- If you want flexible travel credit: Chase Sapphire Reserve provides a generous and easy-to-use travel credit for travel purchases every year, helping to offset the card’s $795 annual fee. The card comes with priority access to the lounge, including access to Chase’s own lounge brand. Revenue rates worth noting include 8 points per dollar spent via Chase Travel℠, 4 points per dollar spent on flights and direct bookings, and every dollar spent on dining worldwide. To learn more, read our full review of the Sapphire Reserve.
For other options, check out our full list of the best travel credit cards and the best quality travel cards.
Related: Amex Platinum and Chase Sapphire Reserve
Is UBS visa unlimited credit card worth it?
UBS visas are unlimited to charge up to $650 annual fees, but this may be a good option for travelers who can get value from high-end service-oriented benefits. The card also offers some of the most comprehensive travel and shopping benefits you will find on currently available travel reward cards. That is, if you don’t get significant value from its privileges, you may want to go through this card, you’re looking for a card with a profitable income rate, or want a card that can earn transferable rewards.
Bottom line
Despite the low income rate, UBS visa unlimited credit card offers valuable benefits, which may justify its $650 annual fee. From comprehensive travel protection and premium travel benefits to price protection and statement credit, many of the benefits of the card can effectively offset the card’s annual fee.
If you get premium travel allowances in the market, such as private aviation benefits, Elitelike facilities for selected hotel brands, and knowledgeable concierge services, you are most likely to get huge value from your card.
Related: Bank of America Altitude Reserve Visa Unlimited Card Review
For Amex platinum rates and fees, click here.
For Capital One products listed on this page, Visa® or MasterCard® can offer some benefits and may vary from product to product. For more information, see the respective welfare guidelines to the applicable terms and exclusions.
