UBS Credit Card: Benefits, Limitations, and Account Management Explained

The UBS Credit Card offers a range of benefits, including rewards programs and purchase protection.

With the UBS Credit Card, you can earn rewards points for every dollar you spend, which can be redeemed for travel, gift cards, or other rewards.

One of the key benefits of the UBS Credit Card is its purchase protection feature, which covers eligible purchases against theft, loss, or damage.

The UBS Credit Card also offers a range of account management tools, including online banking and mobile banking apps.

UBS Credit Card holders can also set up account alerts to stay on top of their spending and stay within their budget.

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Earning on the UBS Visa Infinite Credit Card is a straightforward process. You earn 3 points per dollar spent on commercial air travel, which translates to an effective return of 3 to 5.4% on such purchases.

You also earn 2 points per dollar spent on gas and groceries, and 1 point per dollar spent on all other eligible purchases. There's no cap to the points you can earn, and they don't expire as long as your card is open.

The UBS Visa Infinite Credit Card has a simple earning structure, making it easy to rack up points. The 3 points per dollar on commercial air travel is particularly attractive for frequent flyers.

Credit card points are worth an average of 1 cent each, though point values usually range from 0.5 cents to 1.5 cents, depending on the card and the redemption method. This means you can get a decent value out of your points if you redeem them strategically.

The UBS Visa Signature Credit Card and UBS Visa Infinite Credit Card offer different redemption options, including travel, cash back, and gift cards. For example, redeeming points for travel on the UBS Visa Infinite Credit Card can get you up to 1.8 cents per point.

You can calculate reward point values by dividing the dollar value of what you redeem points for by the number of points required to get that product or service. This will give you a clear idea of how much your points are worth.

Here's a rough breakdown of the average point values for different redemption methods:

Keep in mind that these are just averages, and the actual value of your points may vary depending on the card and redemption method you choose.

Redemption rules for UBS credit card rewards can be complex and potentially costly. You can redeem your points for flights, but only if you have either the UBS Visa Infinite Business card or the UBS Visa Signature card.

To get the best redemption value, you must use points to cover the full cost of the ticket, without using cash or a combination of points and dollars. This means if your ticket costs more than $350 or $900, you'll owe the difference in points, which will be worth only 1 cent each.

You can't pay the difference in cash or a combination of points and dollars, and you can only pay the difference in 5,000-point increments. For example, if you want a plane ticket that costs $458, you'll need 40,000 points.

The UBS Visa Signature card also charges a $25 booking fee, while the UBS Visa Infinite Business card does not. The UBS Cash Rewards Visa Business card is not eligible for these kinds of travel redemptions.

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Here's a summary of the redemption rules:

Keep in mind that these redemption rules and limitations can affect the value of your rewards, so it's essential to understand them before redeeming your points.

The UBS credit card sign-up bonuses and promotions can be a bit tricky to navigate. Big accounts get bigger sign-up bonuses, specifically those with $250,000 or more in assets as clients.

If you're a UBS client with significant assets, you may be eligible for elevated welcome bonuses when speaking with your UBS financial adviser. The UBS Visa Infinite card currently does not offer any sort of welcome bonus, but it has in the past.

You'll need to call UBS or contact your UBS financial adviser to apply for the card, which differs from the application process for most cards.

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The UBS Visa Signature card is a great option for travelers looking for luxury perks without breaking the bank. It offers primary rental car coverage, private aviation benefits, and concierge service, making it a great choice for those who want to travel in style.

The card's travel extras are impressive, especially considering it's a no-annual-fee card. You'll get benefits at luxury hotels and preferred car rental rates, which can make a big difference on your next trip.

One of the standout features of the UBS Visa Signature card is its concierge service. This service can help you make the most of your travel plans, from booking reservations to arranging transportation.

If you're looking for even more perks, the UBS Visa Infinite Business card is the way to go. With an annual fee of $550, you'll get a raft of benefits and lavish amenities, including an annual $500 statement credit for a lounge membership to any airport club and a complimentary Priority Pass Select Membership.

Here are some of the key benefits of the UBS Visa Infinite Business card:

The UBS Cash Rewards Visa Business card, on the other hand, offers more modest perks. With an annual fee of $150, you'll get primary rental car coverage and private aviation benefits, but not much else beyond that.

You can temporarily increase your UBS Credit Card limit using E-Banking or Mobile Banking. Simply log in to your preferred platform, navigate to the payment section, and select the card you want to increase the limit for.

To temporarily increase your limit in E-Banking, follow these steps:

In Mobile Banking, the process is similar, but you'll navigate to “Accounts & Cards > Payment to card.” and select your bank account and desired amount.

If you want to permanently change your monthly credit card limit, you'll need to complete an application form for review.

To get a UBS small-business card, you'll need to be a UBS client.

You can apply for a card by reaching out directly to the firm by calling 866-UBS-VISA, but there's no online application.

If you already have an existing UBS relationship, you're good to go.

Holders of the UBS Visa Infinite Business card and/or the UBS Visa Signature Business card can boost their welcome offers significantly if they have $250,000 or more in assets as clients.

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You can pay your card bill on the go using our Mobile Banking App. To do this, log on to the app.

Navigate to "Cards > Credit & Prepaid > Statements" to view your current bill. From here, select the bill you want to pay and tap "Pay" to confirm the payment.

It's easy and convenient to pay your card bill using Mobile Banking. Just follow these steps and you're done.

To temporarily increase your limit in Mobile Banking, you'll need to log in to the Mobile Banking App and navigate to "Accounts & Cards > Payment to card."

Select the UBS Credit Card for which you want to temporarily increase the limit.

Next, select your bank account and enter the desired amount.

The amount is available immediately.

You can repeat this process to increase the limit on a different UBS Credit Card simply by entering the 16-digit UBS Credit Card number.

If you want to permanently change your monthly credit card limit, you'll need to complete the application form. This will allow the bank to review your request.

You can change your credit card limit to suit your needs, giving you more flexibility with your spending.

To make a permanent change, you'll need to submit the application form for review. This is the first step in making a change that will last.

Keep in mind that changing your credit card limit may affect your credit score, so be sure to consider the impact before making a decision.

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