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

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
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Advertising Disclosure
LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).

Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
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American Express Disclosure
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

American Express Disclosure

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

UBS Visa Infinite Credit Card Review

UBS Visa Infinite Credit Card
Rewards rate
3x points for commercial air travel, 2x points for gas and groceries, and 1 point for all other eligible purchases
Lounge access
Access to 1,300+ Priority Pass lounges
Flexibility
No blackout dates when redeeming rewards for flights, cruises or hotel stays
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It was not reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Our take: The UBS Visa Infinite Credit Card offers luxury travel perks and premium services. However other cards offer a similar array of benefits and are more accessible.

Is the UBS Visa Infinite Credit Card a good card?

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.

Quick facts

    • $250 airline fee credit
    • 12 complimentary Gogo in-flight Wi-Fi sessions
    • Premium set of benefits with the Visa Infinite Luxury Hotel Collection, VIP amenities at select Ritz-Carlton, Fairmont Hotel and Resorts and Park Hyatt properties and enhanced benefits with Relais & Châteaux.
    • $100 Global Entry application fee statement credit, which includes TSA Pre✓®
    • $500 Any Airport Club statement credit for any airport lounges worldwide upon reaching qualified spending threshold
    • Unlimited, complimentary access to 1,000+ Priority PassTM Select lounges
    • No foreign purchase transaction fees
    • 24/7 U.S.-based UBS Concierge
    • 3x points on commercial air travel, 2x points on gas and groceries and 1 point on all other eligible purchases.
    • Up to a $700 service credit at Villas of Distinction properties
    • Le Bas International Benefits: Up to $300 total credit per flight toward chauffeured transportation transfers, and Up to $300 total credit per flight toward premium in-flight catering
    • $100 discount on the purchase of between 2 and 5 qualifying round-trip, domestic coach airline tickets on the same itinerary when purchased on the Visa Infinite Discount Air website
  • 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
  • N/A
  • Credit needed: N/A
  • Annual fee: $495
  • Foreign transaction fee: $0 foreign transaction fees
  • Rewards: Earn 3x points for commercial air travel, 2x points for gas and groceries, and 1 point for all other eligible purchases
  • APR: 23.49% 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 $100 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

Intro Purchase APR

N/A

Regular Purchase APR

23.49% variable

Intro BT APR

N/A

Regular BT APR

23.49% variable

Annual Fee

$495

Cash Advance Fee

Either $2 - $10 or 2% - 5% of the amount of each cash advance, whichever is greater

Foreign Transaction Fee

$0

Balance Transfer Fee

Either $2 - $10 or 2% - 5% of the amount of each transfer, whichever is greater

Pros and cons

  • $0 foreign transaction fees
  • Luxury travel perks and high-quality concierge services
  • Access to 1,300+ airport lounges
  • Decent reward earning rates
  • Flexible rewards options
  • Other cards offer more savings, points and miles earning potential
  • No sign-up bonus
  • High annual fee

Earn 3X points on travel

The card awards 3x points for commercial air travel, 2x points for gas and groceries, 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 gas and groceries, 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 $495. This cost can be covered by 35,000 points, which makes points worth 1.4 cents each.

Lounge access

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.

Personalized concierge services

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.

Travel perks

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:

  • $100 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 Platinum Card® from American Express, 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

Other benefits

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

What to watch out for with the UBS Visa Infinite Credit Card

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 $495 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 Platinum Card® from American Express. 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®

| Disclosures
Chase Sapphire Reserve®
Chase Sapphire Reserve®
apply-now-icon Apply Now
on Chase's secure site
N/A
22.49% – 29.49% Variable
$550
Earn 5x total points on flights and 10x total points on hotels
  • 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 TravelSM.
  • $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 TravelSM 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 TravelSM. 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
720 850
Excellent

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.

The Chase Sapphire Reserve® is a premium travel card that earns points and lets you save by offering perks like Priority Pass membership, credit for TSA PreCheck/Global Entry and an annual travel credit. The Chase Sapphire Reserve® comes with a generous sign-up bonus. It 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 $550 annual fee.

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

| Disclosures
The Platinum Card® from American Express
The Platinum Card® from American Express
apply-now-icon Apply Now
on American Express's secure site
Rates & Fees
| Terms Apply
N/A
See Pay Over Time APR
$695
5X Membership Rewards® points on flights booked directly with airlines or with
  • 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, 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. Terms Apply.
  • $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.
660 720 850
Good/Excellent

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.

The Platinum Card® from American Express is a premium card that comes with similar rewards and customer service. It doesn’t require you to be a UBS customer, albeit it has a higher annual fee of $695. 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 more than 1,400 lounges worldwide, including the 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 elite status with Marriott Bonvoy Gold Elite Status (enrollment required) and Hilton Honors Gold status (enrollment required).

*To see rates & fees for The Platinum Card® from American Express, please click here.
*To see rates & fees for The Platinum Card® from American Express, please click here.

Is the UBS Visa Infinite Credit Card right for you?

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.

*To see rates & fees for The Platinum Card® from American Express, please click here.

The information related to the UBS Visa Infinite Credit Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.