UBS Visa Infinite Credit Card Review

Who is the UBS Visa Infinite Credit Card for?

The UBS Visa Infinite card is definitely an elite travel card that will upgrade your flying status for a significant cost. If you are willing to pay a high annual fee for a card that will allow you to fly in luxury while giving you the traditional rewards that come along with credit cards, this card might be for you. UBS is known for its secrecy and privacy laws, and this card will give you access to the exclusive perks that come along with being a client of this bank. 

The $495 annual fee that comes along with this card is hefty and puts it in the ranks of the most expensive cards on the market. If you are on a tight travel budget this card is definitely not for you. Aimed at high net-worth customers, this card competes with the American Express Platinum card and the Chase Sapphire Reserve card. 

An important aspect to keep in mind while considering this card is that the benefits that come with this card are significantly greater if you are an existing UBS client and have an account with the bank. 

Overall, this card is a great option for those looking for the ultimate credit card that can help them translate daily expenditures into travel rewards. If you can afford the annual fee, and genuinely believe that you will be able to utilize the benefits of this card, the UBS Infinite card might be for you. 

Welcome Offer

Until July 31st, UBS is offering a special welcome bonus of 100,000 bonus rewards points and no annual fee for the first year of account opening. The points themselves are worth up to $1,800 in redeemable value. This is a great deal for anyone looking for a credit card for luxury travel, especially since it will be free-of-cost for a year. 

In addition, the card guarantees 0% intro APR for the first 12 billing cycles for balance transfers within 90 days of account opening. This 0% APR serves as motivation for you to transfer outstanding balances from your high-interest credit card accounts to your UBS account, which would allow you to pay them off at zero interest. 

Rewards

The point-based reward system that comes with this card is simple and practical. You receive 3x points on money spent on air travel, which makes sense since this is a travel card. However, you also earn 2x points on gas and groceries and 1x points on all other eligible purchases. The versatile point accumulation system allows this card to be suitable and recommended for every-day use. You can redeem the points you earn for flights, hotels and cruises with no blackout dates, as well as car rentals, gift cards, merchandise and statement credit. These points do not expire and there is no cap on how many you can earn, so this card is perfect for the systematic accumulation of points over longer periods of time. 

In addition to the rewards program, you get a wide variety of travel perks with this card. For instance, you get complimentary Priority Pass Select membership for access to over 1,000 airport lounges all over the world. You qualify for $250 travel credit on a domestic US airline of your choice per year. You also get $100 credit every four years for your Global Entry/TSA PreCheck application. Access to ‘Any Airport Club’ means that if you spend at least $50,000 on your card, you’ll get a credit of up to $500 for airport-lounge day passes or memberships. You also get complimentary Gogo inflight Wi-Fi on 12 flight segments per year.

In terms of accommodation, you can qualify for complimentary upgrades at various resorts including the Visa Infinite Luxury Hotel Collection, Starwood Hotels, Mandarin Oriental, Relais & Châteaux and Villas of Distinction. With 24/7 access to UBS customer service and the UBS concierge service, you can get a dining reservation “at nearly any restaurant in the world.” 

With the UBS Infinite card, you qualify for ATM fee rebates, which means if you’re charged a fee for using an ATM in the US, you’ll be reimbursed up to $10 each time. In addition, if you have a UBS account, you pay no cash advance fees through CashConnect. You also pay no foreign transaction fee on international spending, which means that you do not have to think twice before paying with this card during your travels overseas. 

Finally, this card gives you exclusive access to private aviation services such as Wheels Up Aviation, NetJets and Le Bas International. These charter flight companies can work to make your travel stylish, discreet and comfortable. 

Annual Fee

The annual fee is a hefty $495. While this might seem like a lot, the rewards and perks that come along with this card make up for it. This card is targeted towards wealthier individuals who are looking to go the extra mile to attain luxury and comfort in their travel-heavy lives. This card, through its heavy annual fee, can help them attain that. 

Services and Protections

This card comes with provisions for travel accident insurance, emergency medical evacuation coverage and lost luggage, as well as reimbursements for delayed or canceled trips. Furthermore, it provides primary collision and theft insurance coverage on rental cars. Finally, if you spend during your travels, this card also comes with shopping protection benefits such as purchase security, return protection and warranty extension.

The UBS Infinite card is compatible with Mobile Wallet, which offers a faster, safer way to pay with your smartphone. You can also manage your account on the go with UBS mobile app.

This card comes with fraud protection and ID theft assistance resolution, which means you will not be on the hook for fraudulent charges made through your card. In fact, you can enroll to receive email and SMS messages for account activity alerts.

Cautions

One thing to be mindful of when using this card is to make timely payments. This card comes with a significant penalty APR and fees, which can make a severe dent to your bank account. However, since this card requires a high credit score for approval, it is likely that you have good credit responsibility and management history. 

Another drawback is that the airline credit of $250 can only be redeemed for a single airline throughout the year. This means that you need to have a clear preference for one airline in order to maximize the utilization of that benefit.  

This card comes with a large annual fee, and if used incorrectly, can result in you losing money. It is important that you use this card as frequently as possible while settling balances in a responsible manner. This will allow you to optimize point accumulation and receive benefits that will offset the cost of the card itself. 

Conclusion

The UBS Visa Infinite Credit Card is a solid option for those looking for a truly premium card that carries a simple rewards program and luxury perks. Before you apply for this card, we recommend that you compare it with the American Express Platinum card and the Chase Sapphire Reserve card in order to determine your needs. If you seek an elite private banking experience this card is for you. 

You can apply for the UBS Visa Infinite Credit Card online here.