ubs credit cards: A Comprehensive Review

UBS credit cards offer a range of benefits, including travel rewards, cashback, and purchase protection.

One of the standout features of UBS credit cards is their travel rewards program, which allows cardholders to earn points that can be redeemed for flights, hotel stays, and other travel-related expenses. UBS credit cards also offer a 24/7 concierge service to help cardholders plan and book their trips.

Cardholders can earn up to 2x points on travel purchases, depending on the specific card they have. Additionally, UBS credit cards offer no foreign transaction fees, making them a great option for international travel.

With UBS credit cards, cardholders can also enjoy purchase protection, which covers eligible purchases against theft, loss, or damage.

The UBS Visa Infinite Credit Card welcome offer is a bit of a letdown. Currently, there is no welcome bonus offered with this card. You can't even apply for it online like you can with most credit cards. To apply, you'll need to call UBS or contact your UBS financial adviser. This is a different process than what you'd experience with most credit cards.

The UBS credit cards offer a range of benefits and features that make them stand out. You can enjoy secure payments worldwide with the latest chip technology and PIN function.

One of the key benefits of the UBS Visa Infinite Credit Card is its travel perks. With this card, you'll get primary car rental insurance, including collision, damage, and theft insurance coverage up to the value of most rental cars. You'll also get rental car discounts at companies like Avis, National, Audi Silvercar, Enterprise, Alamo, and more.

The UBS Visa Infinite Credit Card also offers a suite of travel and purchase protections. This includes trip cancellation and trip interruption insurance up to $5,000, paid emergency medical evacuation and transportation coverage up to $100,000, and travel accident insurance up to $1,000,000.

In addition to these benefits, the UBS Visa Infinite Credit Card offers a range of other protections, including baggage delay coverage up to $100 per day for 3 days and a total of $300, trip delay reimbursement up to $500 per ticket, and lost luggage reimbursement up to $5,000.

Here are some of the key features of the UBS Visa Infinite Credit Card:

The UBS Visa Infinite Credit Card also offers a range of other benefits, including purchase security up to $10,000 per claim and $50,000 per year, price protection up to $500 per claim and $1,500 per year, and return protection up to $300 per claim and $1,000 per year.

If you're a frequent traveler, you'll appreciate the UBS Visa Infinite Credit Card's travel credits and perks. With this card, you'll enjoy a $100 Global Entry or TSA PreCheck Application fee statement credit, a $250 credit for air travel expenses, and resort fee credits, complimentary breakfast, and access to premium benefits at Visa Infinite Luxury Hotel Collection hotels.

The UBS Visa Infinite Credit Card also offers access to 1,300+ lounges with Priority Pass Select membership, which you can share with an unlimited number of guests. When you spend at least $25,000 each year on your UBS Visa Infinite Credit Card, you'll be granted a $500 credit to use toward any airport club program or day passes.

The UBS Visa Infinite Credit Card earns 3 points per dollar spent on commercial air travel, making it a great option for frequent flyers. You'll also earn 2 points per dollar spent on gas and groceries, and 1 point per dollar on all other eligible purchases.

Points are redeemable for 1 to 1.8 cents each, giving you an effective return of 3 to 5.4% on commercial air travel, 2 to 3.6% on gas and groceries, and 1 to 1.8% on all other purchases. There's no cap to the points you can earn, and points don't expire as long as your card is open.

The UBS Cash Rewards Visa Business card offers a flat 2% cash back on all purchases, up to a spending cap of $100,000. This makes it a great option for businesses that spend a lot on everyday expenses.

Here's a breakdown of the rewards offered by the UBS Visa Infinite Credit Card:

You can collect UBS KeyClub points by shopping, indulging, or traveling, and redeem them for great offers. UBS KeyClub offers and discounts are available for a limited time only.

To get started, log in to E-Banking, navigate to "Accounts & Cards > Settings for cards > General > Order PIN", select the card for which you wish to order a PIN, and confirm it. You'll receive a new PIN in the post within a few days.

Redeeming points for flights can be a great option, but be aware that booking award travel costs 25,000 points for a ticket up to $350 (1.4 cents per point) or 50,000 points for a ticket up to $900 (1.8 cents per point).

If you're looking to make a change to your credit card limit, you can permanently change your monthly credit card limit by completing the application form.

You'll need to submit the form for us to review, which is the next step in the process.

Changing your limit can have implications for your credit utilization ratio and overall financial health, so it's essential to carefully consider your decision.

If you're unsure about how to proceed, you can always reach out to your credit card issuer for guidance and support.

By taking control of your credit card limit, you can make more informed decisions about your spending and financial management.

The UBS Visa Infinite Business card and UBS Visa Signature card offer elevated redemption rates for flights, with points worth 1.4 cents or 1.8 cents apiece, respectively.

To get these rates, you must use points to cover the full cost of the ticket, with no cash or points-and-cash combo options available. This means you'll owe the difference in points if your ticket costs more than $350 or $900.

If you're redeeming for a ticket costing more than $900, you'll need to pay the price difference using additional points at a rate of 5,000 points per $50. This can add up quickly, so be sure to plan ahead.

Here are the key redemption rules to keep in mind:

Redemption rules can be complex and costly, especially when it comes to redeeming points for flights. You can get more value redeeming points for flights with the UBS Visa Infinite Business card or the UBS Visa Signature card, but only if you use points to cover the full cost of the ticket.

To get the elevated redemption rate, you must use points to cover the full cost of the ticket, and you can't use a points-and-cash combo. If your ticket costs more than $350 or $900, you'll owe the difference in points, which will fall back to 1 cent per point.

Worse, you can pay that difference only in 5,000-point increments, meaning $50 of ticket value. So if you want a plane ticket that costs, say, $458, you'll need 40,000 points.

The UBS Visa Signature card also charges a $25 booking fee, which can add up quickly. The UBS Cash Rewards Visa Business card is not eligible for these kinds of travel redemptions.

Here are some key redemption rules to keep in mind:

Redemption and Rules are crucial to get the most out of your rewards. The UBS Visa Infinite Card offers a unique redemption option for 50,000 points, which can be redeemed for flights costing as close to $900 as possible, resulting in a value of up to 1.8 cents per point.

To maximize your rewards, you'll want to earn points through the card's earning structure, which includes 3x points for commercial air travel, 2x points for gas and groceries, and 1X point everywhere else.

The card's earning rate is broken down into categories, including travel, gas, and groceries, each with a corresponding earning rate of 3X, 2X, and 1X, respectively.

Here's a breakdown of the card's earning rate by category:

By understanding the card's earning structure and redemption options, you can make the most of your rewards and get the most value out of your UBS Visa Infinite Card.

If you're considering the UBS Visa Infinite Credit Card, you're likely comparing it against other premium travel cards. The Chase Sapphire Reserve offers a generous and easy-to-use $300 travel credit annually for Chase Travel℠ purchases that helps offset the card's $550 annual fee.

The Platinum Card from American Express comes with a higher annual fee of $695 and offers access to Priority Pass lounges, Plaza Premium lounges, and the Amex Centurion Lounge network.

The Capital One Venture X Rewards Credit Card offers a better annual fee of $395 and provides travel protections, as well as 2 miles per dollar on all purchases. Cardholders also receive up to $300 in travel credits each year to use on Capital One Travel.

Here's a brief comparison of these cards:

If you're looking for a premium card with a lower annual fee, the Capital One Venture X Rewards Credit Card might be a good option. However, if you want more statement credits, the Platinum Card from American Express might be the way to go.

The cost and pricing of UBS credit cards can be a bit complex. The UBS Visa Infinite Business card and UBS Visa Signature card have complex redemption rules that can be costly if not understood correctly.

If you're looking to redeem points for flights, you'll need to use 25,000 or 50,000 points to get a ticket worth up to $350 or $900 respectively. This means points are worth 1.4 cents or 1.8 cents apiece.

You'll need to pay the difference in points only, and not in cash, if your ticket costs more than $350 or $900. The redemption value for that difference will fall back to 1 cent per point. For example, if you want a plane ticket that costs $458, you'll need 40,000 points – 25,000 to cover the first $350, but then 15,000 more to cover the $108 difference.

The UBS Cash Rewards Visa Business card is not eligible for these kinds of travel redemptions, and you'll get either statement credit or a deposit into your UBS business account.

Cost can be a major consideration when it comes to redeeming points for flights. If you have the UBS Visa Infinite Business card or the UBS Visa Signature card, you can get a ticket worth up to $350 or $900 respectively by redeeming 25,000 or 50,000 points.

However, there are some potential costs to keep in mind. If your ticket costs more than $350 or $900, you'll owe the difference in points, and the redemption value for that difference will fall back to 1 cent per point.

You'll also need to pay the difference in 5,000-point increments, which can add up quickly. For example, if you want a plane ticket that costs $458, you'll need 40,000 points to cover the first $350 and the $108 difference.

Additionally, if you have the UBS Visa Signature card, you'll owe a $25 booking fee. The UBS Visa Infinite Business card does not charge this fee.

Prices without a banking package can be a bit tricky to understand, but let's break it down simply.

The price in the first year is CHF 50.

After the first year, the price increases to CHF 100 per year.

You'll also need to pay an additional CHF 25 per year for a Visa or World Mastercard for your partner.

The card currency is CHF.