The UBS Visa Signature and UBS Visa Infinite credit cards are available to UBS wealth management clients looking to consolidate their finances. These cards are not easily accessible to everyone and require meeting a minimum asset threshold in addition to standard credit requirements. To apply for these cards, interested individuals must contact a UBS advisor as online applications are not available.
The UBS Visa Infinite card comes with a $650 annual fee and offers a wide range of perks to offset this cost, including welcome offers, ongoing rewards, lounge access, annual credits for restaurant transactions, airline fees, and Global Entry or TSA PreCheck applications, premium hotel benefits, VIP amenities at select properties, and travel protections. On the other hand, the UBS Visa Signature card has no annual fee but offers fewer perks. Cardholders receive a $140 annual credit towards an Amazon Prime membership in the first year, with additional rewards and protections.
Both cards allow flexible redemption options for travel, gift cards, merchandise, or statement credits, but the value of points varies depending on the redemption method. Flight and airline redemptions can offer higher point values, up to certain thresholds based on the cost of the flight. When it comes to purchasing tickets that exceed the standard cost, you have the option to cover the difference using rewards points. The exchange rate is 5,000 points for any additional expenses up to $50. Additionally, there are no blackout dates for flights, cruises, and hotels, and your points won’t expire as long as your UBS Visa credit card remains open and active.
Both UBS cards offer fee-free cash advances and ATM rebates through the “CashConnect” feature. This allows you to access cash from banks and ATMs worldwide without incurring finance charges or cash advance fees. However, you must ensure that there are enough funds in your UBS Financial Services Inc. account linked to your UBS Visa credit card to avoid these costs.
If your card is associated with a Resource Management Account or Business Services Account, you can enjoy unlimited ATM fee rebates in the U.S. The Visa Signature card provides up to $5 per transaction, while the Visa Infinite card offers up to $10 per transaction.
While cash advances typically come with fees and higher interest rates, the UBS card is an exception. It’s important to consider this option as a last resort.
The UBS Visa Infinite card offers a range of perks, but the annual fee may not be suitable for everyone. Depending on your spending habits, other cards may provide more value. For instance, the Capital One Venture X Rewards Credit Card offers benefits like 10 miles per dollar on hotels and rental cars booked through Capital One Travel, 5 miles per dollar on flights and vacation rentals, and 2 miles per dollar on other purchases. It includes an annual credit of up to $300 for bookings made through Capital One Travel, as well as 10,000 bonus miles every account anniversary.
Another option is the Wells Fargo Active Cash® Card, which has no annual fee and provides a 2% cash back on all eligible purchases. Cardholders can earn a $200 cash rewards bonus after spending $500 in purchases within the first 3 months.
For those who frequently shop on Amazon, the Prime Visa card offers 5% back at Amazon.com and Whole Foods Market, as well as additional rewards for travel, dining, and more. This card could potentially offset the cost of a Prime membership with enough usage.
Please note that information regarding the Prime Visa credit card has been gathered by BW and has not been reviewed or provided by the card issuer. given information about the project you are working on.