UBS Visa Infinite Credit Card Review

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

Though other cards may offer higher rewards rates and sign-up bonuses, the airport lounge access, premium travel perks, high-quality concierge services and insurance coverages included with the UBS Visa Infinite Credit Card are unparalleled. This card also charges a hefty annual fee, but one that is lower than its direct premium card competitors.

Note, the card is geared toward customers with an existing relationship and there is no public application to apply — you’ll need to call 888-762-1232 for more information or contact your UBS Financial Advisor.

The card awards 3x points for commercial air travel, 2x points for gas and groceries, and 1 point for all other eligible purchases.

These points can be redeemed for travel through UBS’s own portal. You can use 25,000 points for a flight worth up to $350 or 50,000 points for a flight worth up to $900. The “up to” is key here. You will pay the same number of points for a flight, regardless of the cost. Therefore, your points could be worth $0.018 each, or they could be worth much less.

Note that points can also be used to pay for the card’s $495 annual fee. You need to use 40,000 points to cover the charge, meaning you will get a $0.012 point value.

The UBS Visa Infinite Credit Card offers members access to 1,300+ airport lounges with a complimentary Priority Pass™ Select membership and an unlimited number of guests (enrollment required).

Those who spend at least $25,000 on their card each year are granted a $500 credit to be used toward membership with any airport club program (e.g., Delta Sky Club) or day passes. The expense must be charged to the card for the credit to be applied. This is a pretty great deal for frequent travelers who spend significantly on their credit card.

The card’s major selling point is its in-house UBS concierge and customer service benefit, which aims to be a step up from the traditional concierge benefits of other 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

Also included is the UBS Dining Program, which offers special access and UBS benefits at select restaurants across the globe. Note that cardholders are responsible for the cost of any goods or services purchased through the UBS Concierge. These services are a substantial upgrade over traditional Visa concierge benefits, which aren’t usually able to compete with more premium services, like those provided by The Platinum Card^® from American Express.

The UBS Visa Infinite Credit Card is also no slouch when it comes to providing travel credits and perks. The card doesn’t charge foreign transaction fees, which can save money for big spenders who frequently travel and spend abroad.

It also offers the following valuable travel benefits:

• $250 credit for any qualifying air travel expenses. These include seat upgrades, ticket change/cancellation fees and onboard food. Like the airline credit on The Platinum Card^® from American Express, you must pick an airline it applies to each year
• Complimentary Gogo in-flight Wi-Fi on 12 flight segments per year
• Statement credit up to $100 toward either Global Entry® or TSA PreCheck® application fee
• Resort fee credits, complimentary breakfast and access to other premium benefits at Visa Infinite Luxury Hotel Collection hotels
• VIP amenities at select Ritz-Carlton properties, Fairmont and Park Hyatt properties

Aside from its travel perks, the UBS Visa Infinite Credit Card also offers a hefty suite of travel and purchase protections that make it well worth it for frequent travelers:

• 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 spend per 12-month period
• Trip delay reimbursement up to $500 per ticket to reimburse cost of meals and lodging if trip is delayed more than 6 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, up to 12 additional months, or up to $10,000 per claim and $50,000 per year
• A zero-liability policy for fraudulent purchases, ID theft resolution services and personal identity theft coverage up to $15,000 are also offered

No sign-up bonus: One of the main drawbacks to the UBS Visa Infinite Credit Card is that it doesn’t come with a sign-up bonus. Sign-up bonuses typically provide a great incentive for cardholders to start charging money on their card right away in return for a valuable bonus — usually either in some amount of cash back or points or miles that can be used for travel or other perks. Other premium cards like the Chase Sapphire Reserve^®, for example, offer hefty welcome bonuses that add overall value to your card membership.

High annual fee: The UBS Visa Infinite Credit Card is marketed toward consumers who can easily afford the hefty $495 annual fee. However, the various credits this card offers will cover the full price of the annual fee and then some. It’s also worth noting that UBS Visa Infinite Credit Card‘s direct premium card competitors charge higher annual fees — the Chase Sapphire Reserve^® charges $550 annually and The Platinum Card^® from American Express charges $695 annually.

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

How Does LendingTree Get Paid? How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

| Disclosures

Chase Sapphire Reserve^®

Review Coming Soon

Chase Sapphire Reserve^®

Intro Purchase APR N/A

Regular Purchase APR 22.49% – 29.49% Variable

Annual Fee $550

Rewards Rate Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases… Read More

Highlights

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority PassTM Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
• Member FDIC

Typical Credit Needed

720 850

Excellent

Get my free score

Show Detailsfor Citi Double Cash Card

The information related to the Chase Sapphire Reserve^® has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply

Verdict: The better deal for consumers looking for a premium card with top rewards rates — at the expense of concierge services.

The Chase Sapphire Reserve^® is an excellent travel card for those who are more concerned about earning points and savings than luxury treatment. The card comes with all the bells and whistles you’d expect with a premium card — Priority Pass membership, TSA Pre/Global Entry/NEXUS credit and an annual travel credit.

This annual travel credit is one of the best in this family of cards. Users get $300 each year to use toward any travel charges on their card. This can include airfare or Uber rides. The $250 UBS airline credit is far more restrictive.

However, where the Chase Sapphire Reserve^® can’t compete with the UBS Visa Infinite Credit Card is in the realm of concierge services. The Chase Sapphire Reserve^®’s concierge service doesn’t come with as many bells and whistles — the UBS Dining Program is a prime example.

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

How Does LendingTree Get Paid? How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

| Disclosures

The Platinum Card^® from American Express

Apply Now

on American Express's secure site

Rates & Fees

| Terms Apply

The Platinum Card^® from American Express

Intro Purchase APR N/A

Regular Purchase APR See Pay Over Time APR

Annual Fee $695

Rewards Rate 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year and 5X Membership Rewards® points on prepaid hotels booked with American Express Travel. Terms apply.… Read More

Highlights

• Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
• $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
• $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
• $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
• $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
• $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
• $695 annual fee.
• Terms Apply.

Typical Credit Needed

660 720 850

Excellent/Good

Get my free score

Show Detailsfor Citi Double Cash Card

The Platinum Card^® from American Express is a classic premium card, and one of the few we’ve found that can compete with the UBS in terms of customer service. This card has an annual fee of $695.

On the rewards side of things, the two cards are fairly comparable. The Platinum Card^® from American Express offers a slightly lesser annual airline credit (up to $200 versus $250) and requires you to enroll with a specific airline each year to use it, but provides better rewards on airline and hotel purchases. If you aren’t banking with UBS, The Platinum Card^® from American Express can provide you with comparable luxury and quality customer service.

The UBS Visa Infinite Credit Card is a good card for certain users. It offers fantastic travel perks, world-class concierge and customer service. If you’re someone who definitely wants a premium credit card, doesn’t mind the annual fee and plans to spend heavily on your card, then the UBS Visa Infinite Credit Card can be an excellent choice.

However, the UBS Visa Infinite Credit Card isn’t for everyone. If you don’t care for luxury travel perks and would rather maximize your rewards points or cash back, there are many travel rewards cards that will offer a better value.