UBS Visa Infinite Credit Card overview
The UBS Visa Infinite Credit Card provides many benefits, including popular perks such as a Priority Pass Select membership and price protection. However, earning rates are modest, and some cardholders may struggle to maximize redemptions. Card rating*: ⭐⭐⭐
*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
The UBS Visa Infinite Credit Card is generally not spoken of much within travel credit card circles. However, it has useful perks like statement credits, price protection and a Priority Pass membership, making it stand out among the crowd. We recommend applicants have a credit score of 730 or better to increase their chances of approval.
This card certainly isn’t a good fit for everyone, especially with a big $650 annual fee.
Let’s examine the UBS Visa Infinite Credit Card closer to see whether it is a good addition to your wallet.
The information for the UBS Visa Infinite Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
UBS Visa Infinite Credit Card pros and cons
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UBS Visa Infinite Credit Card welcome offer
One of the biggest downsides of the UBS Visa Infinite card is that it currently does not offer a welcome bonus (although it previously did).
To apply, you must call UBS or contact your UBS financial adviser, which differs from the application process for most cards.
If you’re looking for a premium travel rewards card with a welcome offer, consider applying for a card like The Platinum Card® from American Express, the Chase Sapphire Reserve® (see rates and fees) or the Capital One Venture X Rewards Credit Card.
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Related: The best credit card welcome offers this month
UBS Visa Infinite Credit Card benefits
The UBS Visa Infinite card is loaded with benefits and perks, which is expected from a card with such a high annual fee. One of the card’s best benefits is its Priority Pass Select membership.
While a Priority Pass membership is common on top-tier travel cards, what sets the UBS Visa Infinite apart from most of the competition is its Priority Pass restaurant access. Very few cards offer this perk these days, so if that’s a must-have for you, the UBS Visa Infinite may belong in your wallet.
Plus, the UBS Visa Infinite offers excellent shopping protections — including increasingly rare price protection and almost unheard-of event ticket protection — when you make purchases with your card:
- Purchase security of up to $10,000 per claim and $50,000 per year
- Price protection of up to $500 per item and $1,500 per year
- Return protection of up to $300 per item and $1,000 per year
- Extended warranty service extends warranties of three years or less by up to one year
- Event ticket protection of up to $500 per event ticket, $2,000 per event and $5,000 per year
The card comes with a $500 airline fee credit, which works similarly to the airline fee credit offered by select Amex cards (enrollment may be required for Amex cards; terms apply).
The UBS Visa Infinite’s airline fee credit is for ancillary airline fees on one qualifying U.S. domestic airline that you’ve selected. Examples of eligible airline fees include preferred seating upgrades, checked baggage fees, onboard food and beverage charges and airport lounge fees.
You must select a qualifying airline in advance. You won’t be able to change your selection until the next calendar year, so choose carefully.
The card also provides up to $500 in statement credits if cardholders spend $25,000 or more during the calendar year. Statement credits must be requested and are eligible toward restaurant transactions, Amazon Prime membership fees and airport lounge fees charged to your eligible UBS Visa Infinite card account, up to $500 per calendar year. Statement credit must be claimed within 120 days of the transaction date.
Given the spending requirement and the limitations on how the statement credit can be used, this is definitely not a benefit worth paying much mind to.
Cardholders also get access to various additional travel benefits and perks, including:
- Global Entry or TSA PreCheck application fee statement credit of up to $120 every four years
- Access to book hotel stays with elitelike benefits through the Visa Infinite Luxury Hotel Collection
- Access to additional elitelike perks, amenities and rates at select properties, such as Leading Hotels of the World, LVH Global, Mandarin Oriental Hotel Group, Marriott International Luminous, Marriott International STARS and Preferred Hotels & Resorts, when you book through the UBS Concierge
- GigSky provides an annual 5GB, 30-day complimentary data roaming plan through the GigSky app (compatible eSim device required)
- Rental car discounts with Avis and National
- Private aviation benefits with NetJets
In addition, the UBS Visa provides the following protections:
Finally, cardholders also get access to these other perks:
- UBS Concierge to assist with coordinating travel planning, dining, entertainment, event ticket access and more
- Use your card at any ATM and pay no cash advance or finance charges (if funds are available in a linked UBS resource management or business services account), plus get unlimited ATM fee rebates on cash withdrawals in the U.S. (up to $10 per transaction)
- No foreign transaction fees
Related: Visa Infinite: Everything you need to know, from rental car perks to lounge access
Earning points on the UBS Visa Infinite Credit Card
The UBS Visa Infinite earns:
- 3 points per dollar spent on eligible air travel
- 2 points per dollar spent on select digital streaming, newspapers, cable TV and groceries
- 1 point per dollar spent on all other eligible purchases
Since points are generally redeemable for 1 to 1.8 cents each, you’ll get an effective return of 3 to 5.4% on commercial air travel, 2 to 3.6% on select digital entertainment, newspapers, cable TV and groceries and 1 to 1.8% on all other purchases.
There’s no cap to the points you can earn, and points don’t expire as long as your card is open.
Related: Maximize your airfare: The best credit cards for booking flights
Redeeming points on the UBS Visa Infinite Credit Card
There are many options for redeeming your points. You can redeem online through UBS Online Services or over the phone with the UBS Rewards Desk.
If you’re redeeming for a flight, you’ll want to redeem for a flight costing as close to $350 or $900 as possible without going over.
Although you can redeem a ticket costing more than those amounts, you must pay the price difference using additional points at a rate of 5,000 points per $50. You can only make additional payments with points, and you must do so in increments of 5,000 points.
Assuming you can find a flight bookable through UBS for just under $900, this means you can get up to 1.8 cents per point. Alternatively, you could redeem 25,000 points through the UBS Rewards Service Center for one flight costing up to $350 — but this would only give you up to 1.4 cents per point.
If you have trouble finding a flight just under $900 or just under $350, there are other redemption options. For example, you can use points to pay for gift cards and merchandise. You can also cover your annual fee with points. But these other options generally provide no more than one cent of value per point.
Most rewards programs make redeeming points for flights much easier than this, so consider that carefully before pledging $650 each year to this card.
Related: How to decide when to use cash or miles for buying airline tickets
Which cards compete with the UBS Visa Infinite Credit Card?
If you’re considering the UBS Visa Infinite, you’re likely comparing it against other premium travel cards.
- If you want a premium card with a lower annual fee: The Capital One Venture X Rewards Credit Card offers access to Priority Pass and Capital One lounges with a more palatable annual fee of $395. The card also provides travel protections, and cardholders earn 2 miles per dollar spent on all purchases. Cardholders also receive a $300 travel credit each year to use on Capital One Travel. To learn more, check out our full review of the Capital One Venture X.
- If you want more statement credits: The Platinum Card from American Express is the pinnacle of premium luxury cards. The card offers access to Priority Pass lounges, Plaza Premium lounges and the Amex Centurion Lounge network. Enrollment is required; terms apply. The card does come with a higher annual fee of $695 (see rates and fees). To learn more, check out our full review of the Amex Platinum.
- If you want a flexible travel credit: The Chase Sapphire Reserve offers a generous and easy-to-use travel credit annually for travel purchases that helps offset the card’s $795 annual fee. The card comes with Priority Pass lounge access, including access to Chase’s own brand of lounges. Notable earning rates include 8 points per dollar spent on purchases through Chase Travel℠, 4 points per dollar spent on flights and hotels booked directly and 3 points per dollar on dining worldwide. To learn more, read our full review of the Sapphire Reserve.
For additional options, check out our full list of the best travel credit cards and best premium travel cards.
Related: Amex Platinum vs. Chase Sapphire Reserve
Is the UBS Visa Infinite Credit Card worth it?
The UBS Visa Infinite charges a whopping $650 annual fee, but it can 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 that you’ll find on a currently available travel rewards card. That said, you’ll likely want to pass on this card if you won’t get significant value from its perks, you’re looking for a card with lucrative earning rates or want a card that earns transferable rewards.
Bottom line
Despite lackluster earning rates, the UBS Visa Infinite Credit Card provides valuable benefits that may justify its $650 annual fee for some. From comprehensive travel protections and premium travel benefits to price protection and statement credits, many of the card’s benefits can effectively offset the card’s annual fee.
You’re most likely to get significant value from the card if you’re in the market for premium travel perks such as private aviation benefits, elitelike amenities at select hotel brands and a knowledgeable concierge.
Related: U.S. Bank Altitude Reserve Visa Infinite Card review
For rates and fees of the Amex Platinum Card, please click here.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
