UBS Visa Infinite Credit Card review: Full details

*Card rating is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

The usVisa Infinite Credit score Card is usually not spoken of a lot inside journey bank card circles. Nevertheless, it has helpful perks like assertion credit, worth safety and a Precedence Cross membership, making it stand out among the many crowd. We suggest candidates have a credit score of 730 or higher to extend their probabilities of approval.

This card definitely is not a great match for everybody, particularly with an enormous $650 annual price.

Let’s study the united statesVisa Infinite Credit score Card nearer to see whether or not it’s a good addition to your pockets.

The knowledge for the united statesVisa Infinite Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.

UBS Visa Infinite Credit score Card welcome supply

One of many largest downsides of the united statesVisa Infinite card is that it at the moment doesn’t supply a welcome bonus (though it beforehand did).

To use, you should name UBS or contact your UBS monetary adviser, which differs from the applying course of for many playing cards.

In case you’re in search of a premium journey rewards card with a welcome supply, contemplate making use of for a card like The Platinum Card® from American Express, the Chase Sapphire Reserve® (see rates and fees) or the Capital One Venture X Rewards Credit Card.

Day by day E-newsletter

Reward your inbox with the TPG Day by day publication

Be a part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s consultants

By signing up, you’ll obtain newsletters and promotional content material and comply with our Terms of Use and acknowledge the info practices in our Privacy Policy. It’s possible you’ll unsubscribe at any time.

Associated: The best credit card welcome offers this month

The usVisa Infinite card is loaded with advantages and perks, which is predicted from a card with such a excessive annual price. One of many card’s greatest advantages is its Priority Pass Select membership.

Whereas a Precedence Cross membership is widespread on top-tier journey playing cards, what units the united statesVisa Infinite other than many of the competitors is its Precedence Cross restaurant entry. Only a few playing cards supply this perk lately, so if that is essential for you, the united statesVisa Infinite could belong in your pockets.

Plus, the united statesVisa Infinite gives glorious purchasing protections — together with more and more uncommon worth safety and nearly unheard-of occasion ticket safety — once you make purchases together with your card:

• Purchase security of as much as $10,000 per declare and $50,000 per yr
• Price protection of as much as $500 per merchandise and $1,500 per yr
• Return safety of as much as $300 per merchandise and $1,000 per yr
• Extended warranty service extends warranties of three years or much less by as much as one yr
• Occasion ticket safety of as much as $500 per occasion ticket, $2,000 per occasion and $5,000 per yr

The cardboard comes with a $500 airline price credit score, which works equally to the airline fee credit offered by select Amex cards (enrollment could also be required for Amex playing cards; phrases apply).

The usVisa Infinite’s airline price credit score is for ancillary airline charges on one qualifying U.S. home airline that you’ve got chosen. Examples of eligible airline charges embody most well-liked seating upgrades, checked baggage charges, onboard meals and beverage fees and airport lounge charges.

You need to choose a qualifying airline upfront. You will not be capable of change your choice till the following calendar yr, so select rigorously.

The cardboard additionally supplies as much as $500 in assertion credit if cardholders spend $25,000 or extra through the calendar yr. Assertion credit have to be requested and are eligible towards restaurant transactions, Amazon Prime membership charges and airport lounge charges charged to your eligible UBS Visa Infinite card account, as much as $500 per calendar yr. Assertion credit score have to be claimed inside 120 days of the transaction date.

Given the spending requirement and the restrictions on how the assertion credit score can be utilized, that is positively not a profit price paying a lot thoughts to.

Cardholders additionally get entry to varied further journey advantages and perks, together with:

• Global Entry or TSA PreCheck utility price assertion credit score of as much as $120 each 4 years
• Entry to e-book resort stays with elitelike advantages by the Visa Infinite Luxurious Resort Assortment
• Entry to further elitelike perks, facilities and charges at choose properties, equivalent to Main Accommodations of the World, LVH International, Mandarin Oriental Resort Group, Marriott Worldwide Luminous, Marriott Worldwide STARS and Most well-liked Accommodations & Resorts, once you e-book by the united statesConcierge
• GigSky supplies an annual 5GB, 30-day complimentary information roaming plan by the GigSky app (suitable eSim system required)
• Rental car discounts with Avis and Nationwide
• Non-public aviation advantages with NetJets

As well as, the united statesVisa supplies the next protections:

Lastly, cardholders additionally get entry to those different perks:

• UBS Concierge to help with coordinating journey planning, eating, leisure, occasion ticket entry and extra
• Use your card at any ATM and pay no money advance or finance fees (if funds can be found in a linked UBS useful resource administration or enterprise companies account), plus get limitless ATM price rebates on money withdrawals within the U.S. (as much as $10 per transaction)
• No foreign transaction fees

Associated: Visa Infinite: Everything you need to know, from rental car perks to lounge access

• 3 factors per greenback spent on eligible air journey
• 2 factors per greenback spent on choose digital streaming, newspapers, cable TV and groceries
• 1 level per greenback spent on all other eligible purchases

Since factors are typically redeemable for 1 to 1.8 cents every, you will get an efficient return of three to five.4% on business air journey, 2 to three.6% on choose digital leisure, newspapers, cable TV and groceries and 1 to 1.8% on all different purchases.

There is no cap to the factors you possibly can earn, and factors do not expire so long as your card is open.

Associated: Maximize your airfare: The best credit cards for booking flights

There are a lot of choices for redeeming your points. You possibly can redeem on-line by UBS On-line Companies or over the telephone with the united statesRewards Desk.

In case you’re redeeming for a flight, you will wish to redeem for a flight costing as near $350 or $900 as attainable with out going over.

Though you possibly can redeem a ticket costing greater than these quantities, you should pay the value distinction utilizing further factors at a fee of 5,000 factors per $50. You possibly can solely make further funds with factors, and you should achieve this in increments of 5,000 factors.

Assuming you’ll find a flight bookable by UBS for just below $900, this implies you possibly can stand up to 1.8 cents per level. Alternatively, you could possibly redeem 25,000 factors by the united statesRewards Service Middle for one flight costing as much as $350 — however this may solely offer you as much as 1.4 cents per level.

When you’ve got bother discovering a flight just below $900 or simply underneath $350, there are different redemption choices. For instance, you should use factors to pay for gift cards and merchandise. You may also cowl your annual price with factors. However these different choices typically present no multiple cent of worth per level.

Most rewards packages make redeeming factors for flights a lot simpler than this, so contemplate that rigorously earlier than pledging $650 annually to this card.

Associated: How to decide when to use cash or miles for buying airline tickets

• If you would like a premium card with a decrease annual price: The Capital One Venture X Rewards Credit Card gives entry to Precedence Cross and Capital One lounges with a extra palatable annual price of $395. The cardboard additionally supplies journey protections, and cardholders earn 2 miles per greenback spent on all purchases. Cardholders additionally obtain a $300 journey credit score annually to make use of on Capital One Journey. To study extra, try our full review of the Capital One Venture X.
• If you would like extra assertion credit: The Platinum Card from American Express is the head of premium luxurious playing cards. The cardboard gives entry to Precedence Cross lounges, Plaza Premium lounges and the Amex Centurion Lounge community. Enrollment is required; phrases apply. The cardboard does include the next annual price of $695 (see rates and fees). To study extra, try our full review of the Amex Platinum.
• If you would like a versatile journey credit score: The Chase Sapphire Reserve gives a beneficiant and easy-to-use travel credit yearly for journey purchases that helps offset the cardboard’s $795 annual price. The cardboard comes with Precedence Cross lounge entry, together with entry to Chase’s personal model of lounges. Notable incomes charges embody 8 factors per greenback spent on purchases by Chase Travel℠, 4 factors per greenback spent on flights and inns booked straight and three factors per greenback on eating worldwide. To study extra, learn our full review of the Sapphire Reserve.

For added choices, try our full checklist of the best travel credit cards and best premium travel cards.

Associated: Amex Platinum vs. Chase Sapphire Reserve

The usVisa Infinite fees a whopping $650 annual price, however it may be a great choice for vacationers who can get worth from high-end, service-oriented advantages. The cardboard additionally gives among the most complete journey and purchasing advantages that you’re going to discover on a at the moment obtainable journey rewards card. That stated, you will possible wish to cross on this card when you will not get important worth from its perks, you are in search of a card with profitable incomes charges or desire a card that earns transferable rewards.

Associated: U.S. Bank Altitude Reserve Visa Infinite Card review

For charges and costs of the Amex Platinum Card, please click on here.

For Capital One merchandise listed on this web page, among the advantages could also be supplied by Visa® or Mastercard® and should range by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.