Is the UBS Visa Infinite Credit Card Worth it vs. Other Premium Cards?

The UBS Visa Infinite Credit Card is worth it for individuals who want high-quality concierge services and luxury travel perks. If you are interested in earning the most points, miles or cash back rewards, we’d recommend choosing one of this card’s competitors like the Chase Sapphire Reserve^®.

While other cards may offer higher rewards rates and sign-up bonuses, the benefits the UBS Visa Infinite Credit Card offers unparalleled perks like airport lounge access, 24/7 concierge services and a variety of insurance and purchase protections.

Note that this card is available only to those with an existing UBS banking relationship. There is no public application through which you can apply. You’ll need to call 800-762-1000 for more information or contact your UBS Financial Advisor.

Recommended credit: Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion

Rewards Rate: 1X -3X points

• Earn 3X points for commercial air travel
• Earn 2X points for gas and groceries
• Earn 1X point for all other eligible purchases

Welcome offer: N/A

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Rates

• Intro purchase APR: N/A
• Regular purchase APR: 22.49% variable
• Intro balance transfer APR: N/A
• Regular balance transfer APR: 22.49% variable
• Regular cash advance APR: 29.49% variable
• Penalty APR: 29.99% variable

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Fees

• Annual fee: $650
• Balance transfer fee: Either $2 - $10 or 2% - 5% of the amount of each transfer, whichever is greater
• Cash advance fee: Either $2 - $10 or 2% - 5% of the amount of each cash advance, whichever is greater
• Foreign exchange fee: $0
• Late fee: Up to $38

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Other benefits

• Credit needed: N/A
• Annual fee: $650
• Foreign transaction fee: $0 foreign transaction fees
• Rewards: Earn 3x points for commercial air travel, 2x points for eligible groceries, select digital entertainment, newspapers and cable TV, and 1 point for all other eligible purchases
• APR: 22.49% variable APR
• Airport lounge access: Access to 1,300+ airport lounges with a complimentary Priority Pass™ Select membership
• Travel credits: $500 Dining and Airport Club Credit, $250 credit for any qualifying air travel expenses
• Wi-Fi passes: Complimentary Gogo in-flight Wi-Fi on 12 flight segments per year
• Global Entry®/TSA PreCheck®: Statement credit up to $120 toward either Global Entry® or TSA PreCheck® application fee
• Travel insurance: Travel accident insurance, emergency medical evacuation coverage and lost luggage protection, as well as reimbursements for delayed or canceled trips

The card awards 3x points for commercial air travel, 2x points for eligible groceries, select digital entertainment, newspapers and cable TV, and 1 point for all other eligible purchases.

With the UBS Visa Infinite Credit Card, you’ll earn 3x points for commercial air travel, 2x points for eligible groceries, select digital entertainment, newspapers and cable TV, and 1 point for all other eligible purchases.

To redeem your points, you can use the UBS portal to book award travel. Booking award travel costs 25,000 points for a ticket up to $350 (1.4 cents per point) or 50,000 points for a ticket up to $900 (1.8 cents per point). Obviously the value of points redeemed for air travel depends on the cost of your ticket, with tickets that have a cost on the higher end of the spectrum being worth more.

Your points can also be used to pay for your annual fee of $650. This cost can be covered by 35,000 points, which makes points worth 1.4 cents each.

As a UBS Visa Infinite Credit Card cardholder you have access to 1,300+ lounges with Priority Pass™ Select membership. You’re also able to share lounge access with an unlimited number of guests.

When you spend at least $25,000 each year on your UBS Visa Infinite Credit Card, you are granted a $500 credit to use toward any airport club program (such as Delta Sky Club) or day passes. You must put this expense on your card, but it’s a great benefit if you travel frequently. Note that this credit can also be used to pay for eligible Amazon Prime membership fees and/or restaurant purchases.

A major selling point for the UBS Visa Infinite Credit Card is its in-house UBS concierge and customer service. It’s a substantial step up from the concierge services provided by Visa Signature and Visa Infinite-branded products. With your UBS Visa Infinite Credit Card you’ll get 24/7 access to UBS customer service and a concierge service that allows you to:

• Research and plan travel
• Book flights and cruises
• Reserve Visa Infinite hotels and cars
• Make dining reservations
• Secure event tickets

Note that cardholders are responsible for the cost of any goods or services purchased through the UBS Concierge.

The UBS Visa Infinite Credit Card provides excellent travel credits and perks, plus it doesn’t charge any foreign transaction fees. This is a huge money-saver if your travels frequently take you outside of the U.S.

With the UBS Visa Infinite Credit Card, you’ll enjoy the following travel benefits:

• Up to $120 Global Entry or TSA PreCheck Application fee statement credit
• $250 credit for air travel expenses, which may include seat upgrades, ticket change/cancellation fees and onboard food. Like the airline credit on the American Express Platinum Card^®, you must pick an airline to apply it to each year
• Resort fee credits, complimentary breakfast and access to premium benefits at Visa Infinite Luxury Hotel Collection hotels
• VIP amenities at select Ritz-Carlton properties and Fairmont and Park Hyatt properties
• Access to luxury private travel Le Bas International private charter service, NetJets benefits, Wheels Up and Wings Helicopters

Aside from its travel perks, the UBS Visa Infinite Credit Cardoffers a suite of travel and purchase protections:

• Primary car rental insurance, including collision, damage and theft insurance coverage up to the value of most rental cars. Cardholders also get rental car discounts at companies including Avis, National, Audi Silvercar, Enterprise, Alamo and more.
• Trip cancellation and trip interruption insurance up to $5,000
• Paid emergency medical evacuation and transportation coverage up to $100,000
• Travel accident insurance up to $1,000,000
• Baggage delay coverage up to $100 per day for 3 days and a total of $300
• Trip delay reimbursement up to $500 per ticket to reimburse cost of meals and lodging if trip is delayed more than six hours
• Lost luggage reimbursement up to $5,000
• Roadside assistance up to $50 per event; up to 4 events per year
• Purchase security up to $10,000 per claim and $50,000 per year
• Price protection up to $500 per claim and $1,500 per year
• Return protection up to $300 per claim and $1,000 per year
• Event ticket protection up to $500 per event ticket , $2,000 per event and $5,000 per year
• Warranty manager services doubles warranty time period coverage up to one year
• Zero-liability for fraudulent purchases, ID theft resolution services and personal identity theft coverage up to $15,000 are also offered

No sign-up bonus: A large drawback to the UBS Visa Infinite Credit Card is that it doesn’t offer a sign-up bonus, unlike other cards of similar caliber. Other premium cards, like the Chase Sapphire Reserve^®, offer hefty welcome bonuses that put a large amount of miles, points or cash back into your account once you meet the sign-up bonus requirements.

High annual fee: Another drawback to UBS Visa Infinite Credit Card is that you’ll pay an annual fee of $650 for the privilege of being a cardholder. Note, this card’s annual fee is lower than both of its premium competitors, the Chase Sapphire Reserve^® and the American Express Platinum Card^® (see rates & fees). Not to mention, the credits and benefits easily surpass the cost of the annual fee.

However, if you don’t think you can make use of luxury benefits, you should check out a more modestly priced travel credit card.

UBS Visa Infinite Credit Card vs. Chase Sapphire Reserve^®

The Chase Sapphire Reserve^® is a premium travel card that earns points and lets you save by offering perks like Priority Pass membership, a credit for TSA PreCheck/Global Entry and an annual travel credit. It comes with a generous sign-up bonus and also offers an annual travel credit of $300 to use towards travel charges — $50 more than the UBS Visa Infinite Credit Card, with fewer restrictions.

However, if it’s luxury and concierge services you’re looking for, stick with the UBS Visa Infinite Credit Card. It offers a plethora of travel credits, access to specialty travel services and stellar concierge service for less than the Chase Sapphire Reserve^®’s $795 annual fee.

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UBS Visa Infinite Credit Card vs. American Express Platinum Card^®

The American Express Platinum Card^® is a premium card that comes with similar rewards and customer service. It doesn’t require you to be a UBS customer, although it has a higher annual fee of $895. It comes with a welcome offer, an airline credit which requires enrollment with a specific airline and rewards on hotel and airline purchases. The Global Lounge Collection^® offers you access to a variety of lounges worldwide for eligible cardmembers, including Centurion Lounges.

You have a number of options when it comes to redeeming your American Express Membership Rewards^® points, including statement credits and transferring them to a variety of travel partners. As a cardholder, you also qualify for Marriott Bonvoy^® Gold Elite status (enrollment required) and Hilton Honors^TM Gold status (enrollment required).

Current UBS customers who are in the market for a new luxury travel card will find a lot to like with the UBS Visa Infinite Credit Card. However, if you’re not a UBS client, you’ll have to open an account at the bank and establish a banking relationship, which may be too big a hurdle for most potential applicants.

However, if you’re hunting for the biggest discounts and most travel points, consider the Chase Sapphire Reserve^®. It offers premium perks, a generous sign-up bonus and doesn’t require an existing relationship with the bank in order to apply.