UBS Visa Infinite Credit Card Review: Luxury Rewards for a Premium Card

UBS Visa Infinite Credit Card Review

The UBS Visa Infinite Credit Card is a true standout when it comes to luxury travel perks and premium concierge services, but other cards offer more by way of earning rewards points and miles.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

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Pros

  • $0 foreign transaction fees
  • Luxury travel perks and high-quality concierge services
  • Great benefits if you spend over $25,000 on your card each year
  • Access to 1,300+ airport lounges
  • Flexible rewards options including travel, gift cards, merchandise — and your annual fee
  • Decent reward earning rates

Cons

  • Other cards offer more savings, points and miles earning potential
  • Low spenders won't find this card valuable
  • No sign-up bonus
  • Very high annual fee
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Quick facts:

  • Annual fee: $495
  • $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: 15.24% 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

Is the UBS Visa Infinite Credit Card worth it?

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.

Bottom line: Current UBS customers who are in the market for a new luxury travel card will find a lot to like in the UBS Visa Infinite Credit Card. However, if you're simply hunting for the biggest discounts and the most travel points, you should go with the Chase Sapphire Reserve®.

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.

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.

Lounge access

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.

Personalized concierge services

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.

Travel perks

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

Other benefits

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

Drawbacks

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.

For rates and fees of The Platinum Card® from American Express, please click here.

How does the UBS Visa Infinite Credit Card compare to other credit cards?

Here’s how the card matches up against two of the top premium credit cards on the market.

UBS Visa Infinite Credit Card vs. Chase Sapphire Reserve®

On Chase's Secure Website

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 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

See Rates & Fees. Terms Apply. On American Express' Secure Website

Verdict: A solid premium card for earning rewards, luxury services and customer service for those who aren't banking with UBS.

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.

Should you apply for the UBS Visa Infinite Credit Card?

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.

FAQs

How do you qualify for an Infinite Visa?

To qualify for the UBS Visa Infinite Credit Card, you'll need to be able to afford the $495 annual fee. You can apply for this credit card by calling 888-762-1232 or by contacting your UBS Financial Advisor.

Which credit cards are Visa Infinite?

There are a handful of cards that are Visa Infinite in the U.S. A few of the most popular options include the UBS Visa Infinite Credit Card, the Ritz-Carlton Rewards Credit Card and the Chase Sapphire Reserve®.

What is a UBS card?

A UBS card is a credit or debit card issued by UBS Bank USA that allows you to access cash without fees and make purchases worldwide. These cards come with a host of valuable benefits and personalized service from UBS financial advisors.

What is the difference between Visa Signature and Visa Infinite?

Visa Signature cards are more common than Visa Infinite cards in the U.S. Visa Signature and Visa Infinite cards are both generally offered to consumers with high credit scores. However, Visa infinite cards include more luxurious benefits like airport lounge access, travel credits and Visa Infinite concierge services for a high annual fee.

How much does it cost to add another user to the UBS Visa Infinite Credit Card?

It costs $0 to add an authorized user to your UBS Visa Infinite Credit Card for up to 24 additional users.

For rates and fees of The Platinum Card® from American Express, please click here.

The information related to UBS Visa Infinite Credit Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).