UBS Visa Infinite Credit Card Review (2019.9 Update: 50k Offer)

UBS Visa Infinite Credit Card Review

2019.9 Update: It seems 85k offer is expired. The regular offer is 50k.

2019.5 Update: There’s a 85k offer now, and the spending requirement is $5,000. Offer ends in Aug. Some customer service will say you have to be a UBS customer to get this bonus (otherwise the offer is 25k with $3,000 spending requirement); while some will allow you apply directly. You have to make sure you get the higher bonus when you make the call.

Application Link

  • No application link. The official landing page is here: UBS Visa Infinite.
  • Everyone can apply. If you are an existing UBS customer, just contact your UBS Financial Advisor to apply. If not, call 888-762-1232 and press 3, tell the CSR you want to apply for this card and they will physically MAIL a form to you, then you need to fill out the form and mail to UBS to complete the application.

Benefits

  1. 50k offer: Earn 50,000 points after spending $5,000 in first 3 months. The recent best offer is 85k. Some customer service will say you have to be a UBS customer to get this bonus (otherwise the offer is 25k with $3,000 spending requirement); while some will allow you apply directly. You have to make sure you get the higher bonus when you make the call.
  2. It’s free to add authorized users, up to 24. (We are currently not sure what benefits are included for authorized users, but I guess authorized user can at least get the $100 visa infinite discount air benefit.)
  3. Earn 3x points for commercial air travel, 2x points for gas and groceries, and 1 point for all other eligible purchases.
  4. You can redeem the points towards air ticket, and the value is 1.0~1.8 c/p:
    • Redeem 25,000 rewards points for one ticket up to $350 on any commercial airline. For tickets costing more than $350, you must pay the difference using additional rewards points at a rate of 5,000 points for any additional cost of up to $50 of ticket value.
    • Redeem 50,000 rewards points for one ticket up to $900 on any commercial airline. For tickets costing more than $900, you must pay the difference using additional rewards points at a rate of 5,000 points for any additional cost of up to $50 of ticket value.
  5. You can also use the points to cover the annual fee, 35k points -> $495, the value is about 1.4 c/p. You can also redeem for gift cards.
  6. $250 annual (calendar year!) credit for any qualifying air travel expenses. Eligible expenses include: preferred seating upgrades, ticket change/cancelation fees, checked baggage fees, in-flight entertainment, onboard food and beverage charges, airport lounge fees, etc. You must enroll and select an airline first.
  7. Up to $500 credit for ANY airport club day pass or annual airport club membership. You are eligible for a statement credit of up to $500 if your total spending on your card was $50,000 or greater during either the current calendar year-to-date or the prior calendar year.
  8. Complimentary Priority Pass Select (PPS) card, which gives you free access to many airport lounges worldwide. You can bring guests with you. (Not sure whether authorized user can get a separate PPS card yet.)
  9. This is a visa infinite card, and it has all the visa infinite benefits. One of the most important benefit is the “Discount Air Benefit”: Save $100 on air travel when you use this credit card to book a qualifying U.S. domestic round-trip coach airline itinerary for 2 to 5 travelers through the Visa Infinite Discount Air Benefit website.
  10. 12 complimentary Gogo inflight Wi-Fi sessions per calendar year.
  11. Up to $100 credit for Global Entry or TSA Pre application fee.
  12. 6 hour trip delay insurance.
  13. No cash advance fee (inside US)! Remember to pay off before midnight so you don’t need to pay for the interest.
  14. No foreign transaction fee.

Disadvantages

  1. Annual fee $495, NOT waived first year.
  2. The spending requirement for the $500 lounge credit is too high.
  3. Sometimes you need to call the bank or send mail to them. In a time that you can do basically everything on the Internet in the US, this Swiss bank seems too old-fashioned.

Recommended Application Time

  1. Anyone applied for a UBS credit card before?

Summary

It’s glad to see a new competitor in the Visa Infinite war! It’s like the combination of Merrill+ and some premium card benefits. The most distinguished benefit is the $500 lounge credit, but the spending requirement is too high. The earning structure is just so so, the only good part is 3x for air, and is not as good as its competitors. If you can make use of the $100 discount air benefit, plus $250 air credit, it is possible to some people to earn more than the $495 annual fee.

Historical Offers Chart

Application Link

  • No application link. The official landing page is here: UBS Visa Infinite.
  • Everyone can apply. If you are an existing UBS customer, just contact your UBS Financial Advisor to apply. If not, call 888-762-1232 and press 3, tell the CSR you want to apply for this card, and then they will send a MAIL to you, then you need to fill out the form and mail to UBS to complete the application.

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