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. Nonetheless, it has helpful perks like assertion credit, value safety and a Priority Pass membership, making it stand out among the many crowd. Permitted candidates have a credit score of 730 or higher.

This card actually is not a superb match for everybody, particularly with a $495 annual charge.

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

The knowledge for the usVisa 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 greatest downsides of the usVisa Infinite card is that it presently doesn’t supply any form of a welcome bonus.

Prior to now, the cardboard featured a welcome supply. You need to name UBS or contact your UBS monetary adviser to use for the cardboard, which differs from the appliance course of for many playing cards. Elevated welcome bonuses are typically accessible to UBS purchasers once they communicate with their UBS monetary adviser.

When you’re in search of a premium journey rewards card that presently has a welcome supply, contemplate making use of for a card like The Platinum Card® from American Express, the Chase Sapphire Reserve® or the Capital One Venture X Rewards Credit Card.

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Associated: The best credit card welcome offers this month

UBS Visa Infinite Credit score Card advantages

The usVisa Infinite card is loaded with advantages and perks, together with some advantages that almost all different issuers have slashed from their playing cards. One of many card’s finest advantages is its Precedence Move Choose membership.

Plus, the usVisa Infinite affords wonderful procuring protections — together with more and more uncommon value safety and virtually 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 cardholder
• 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 (for as much as $10,000 per declare and $50,000 per cardholder)
• 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 $250 airline charge credit score, which works equally to the airline fee credit offered by select Amex cards (enrollment could also be required; phrases apply). The usVisa Infinite’s airline charge credit score is for ancillary airline charges on one qualifying U.S. home airline that you have chosen.

Examples of eligible airline charges embrace most well-liked seating upgrades, checked baggage charges, inflight leisure, onboard meals and beverage expenses and airport lounge charges. It’s worthwhile to choose a qualifying airline prematurely; you will not be capable to change your choice till the subsequent calendar yr, so select fastidiously.

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

• Global Entry or TSA PreCheck utility charge assertion credit score of as much as $100 each 4 years.
• Entry to guide resort stays with elitelike advantages by the Visa Infinite Luxurious Lodge Assortment
• Entry to further elitelike perks, facilities and charges at Main Lodges of the World, LVH International, Mandarin Oriental Lodge Group, Marriott Worldwide Luminous, Marriott Worldwide STARS, Most well-liked Lodges & Resorts, Relais & Chateaux, Shangri-La, Small Luxury Hotels of the World, Waldorf Astoria and Conrad Lodges & Resorts properties once you guide by the usConcierge
• Trip delay reimbursement as much as $500 per ticket to reimburse the price of meals and lodging if a visit is delayed greater than six hours or requires an in a single day keep
• Baggage delay coverage as much as $100 per day for 3 days (capped at $300 over 12 months).
• Trip cancellation and trip interruption insurance as much as $5,000 per widespread provider fare
• Lost luggage reimbursement as much as $5,000 per coated journey (New York residents restricted to $2,000 in protection per bag)
• Primary coverage reimbursement for collision or injury, as much as the worth of most rental automobiles
• Paid emergency medical evacuation and transportation protection as much as $100,000
• Journey accident insurance coverage as much as $1,000,000
• Rental car discounts with Avis and Nationwide
• Non-public aviation advantages with NetJets

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 expenses (if funds can be found in a linked UBS useful resource administration account), plus get limitless ATM charge rebates on money withdrawals within the U.S. (as much as $10 per transaction)
• No foreign transaction fees

Associated: Everything you need to know about the Visa Infinite program’s benefits

The usVisa Infinite earns 3 factors per greenback spent on business air journey, 2 factors per greenback spent on gas and groceries and 1 level per greenback spent on all other eligible purchases.

Since factors are typically redeemable for 1 to 1.8 cents every, you may get an efficient return of three to five.4% on business air journey, 2 to three.6% on gasoline and groceries and 1 to 1.8% on all different purchases.

There isn’t any cap to the factors you’ll be able to earn, and factors do not expire so long as your card is open.

Associated: The best credit cards for booking flights

There are numerous choices for redeeming your points. You possibly can redeem on-line by UBS On-line Providers or over the telephone with the usRewards Desk, however you may wish to redeem for a flight costing as near $900 as attainable with out going over.

Though you’ll be able to redeem a ticket costing greater than $900, you need to 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 need to accomplish that in increments of 5,000 factors. However redeeming for a ticket properly beneath $900 leaves potential worth on the desk.

Assuming you will discover a flight bookable by UBS for just below $900, this implies you’ll be able to rise up to 1.8 cents per level. Alternatively, you might redeem 25,000 factors by the usRewards Service Heart for one flight costing as much as $350 — however this could solely provide you with as much as 1.4 cents per level.

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

That is actually an unorthodox redemption scheme for a journey card, and it isn’t one which I am a specific fan of.

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

• If you’d like a premium card with a decrease annual charge: The Capital One Venture X Rewards Credit Card affords beneficiant entry to Precedence Move, Plaza Premium and Capital One lounges with a greater annual charge of $395 (see rates and fees). The cardboard additionally gives journey protections, and cardholders earn 2 miles per greenback on all purchases. Cardholders additionally obtain as much as $300 in journey credit every year to make use of on Capital One Journey. To study extra, try our full review of the Capital One Venture X.
• If you’d like extra assertion credit: The Platinum Card from American Express is the head of premium luxurious playing cards. The cardboard affords entry to Precedence Move lounges, Plaza Premium lounges and the Amex Centurion Lounge community. Enrollment is required; phrases apply. The cardboard does include the next annual charge of $695 (see rates and fees). To study extra, try our full review of the Amex Platinum.
• When you choose Chase and versatile journey credit score: The Chase Sapphire Reserve affords a beneficiant and easy-to-use $300 journey credit score yearly for Chase Journey℠ purchases that helps offset the cardboard’s $550 annual charge. The cardboard comes with Precedence Move lounge entry, together with entry to Chase’s personal model of lounges opening inside the U.S. The cardboard earns 3 factors per greenback on eating and journey purchases made outdoors of Chase Journey (after the primary $300 in journey purchases every year). These classes are broadly outlined, serving to you earn factors quicker. To study extra, learn our full review of the Sapphire Reserve.

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

Associated: Amex Platinum vs. Chase Sapphire Reserve: Which card is right for you?

The usVisa Infinite expenses a $495 annual charge, however it may be a superb choice for vacationers who can get worth from high-end, service-oriented advantages. The cardboard additionally affords a number of the most complete journey and procuring advantages that you’re going to discover on a presently accessible journey rewards card. That stated, you may probably wish to go on this card in case you will not get vital worth from its perks, in case you’re in search of a card with profitable incomes charges or desire a card that earns transferable rewards.

Regardless of lackluster incomes charges, the usVisa Infinite Credit score Card gives invaluable advantages which will justify its $495 annual charge for some. From complete journey protections and premium journey advantages to price protection, most of the card’s advantages can successfully offset the cardboard’s annual charge.

You are most certainly to get vital worth from the cardboard in case you’re available in the market for premium journey perks resembling personal aviation advantages, elitelike facilities at choose resort manufacturers and a educated concierge.

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, a number of the advantages could also be supplied by Visa® or Mastercard® and should fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.