UBS Visa Infinite Credit score Card assessment: Full particulars

UBS Visa Infinite Credit score Card overview

The usVisa Infinite Credit score Card supplies many advantages, together with in style perks akin to a Precedence Cross Choose membership and value safety. Nonetheless, incomes charges are modest, and a few cardholders might wrestle to maximise redemptions. Card ranking*: ⭐⭐⭐

*Card ranking is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

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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 Precedence Cross membership, making it stand out among the many crowd. We advocate candidates have a credit score rating of 730 or higher to extend their possibilities of approval.

This card definitely is not match for everybody, particularly with an enormous $650 annual charge.

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

The data 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 professionals and cons

UBS Visa Infinite Credit score Card welcome supply

One of many greatest downsides of the usVisa Infinite card is that it at the moment doesn’t supply a welcome bonus (though it beforehand did).

To use, you need to name UBS or contact your UBS monetary adviser, which differs from the appliance course of for many playing cards.

If you happen to’re on the lookout for a premium journey rewards card with a welcome supply, think about making use of for a card like The Platinum Card® from American Specific, the Chase Sapphire Reserve® (see charges and charges) or the Capital One Enterprise X Rewards Credit score Card.

Associated: The perfect bank card welcome gives this month

UBS Visa Infinite Credit score Card advantages

The usVisa Infinite card is loaded with advantages and perks, which is predicted from a card with such a excessive annual charge. One of many card’s finest advantages is its Precedence Cross Choose membership.

Whereas a Precedence Cross membership is widespread on top-tier journey playing cards, what units the usVisa Infinite aside from a lot of the competitors is its Precedence Cross restaurant entry. Only a few playing cards supply this perk nowadays, so if that is a must have for you, the usVisa Infinite might belong in your pockets.

Plus, the usVisa Infinite gives wonderful procuring protections — together with more and more uncommon value safety and virtually unheard-of occasion ticket safety — once you make purchases along with your card:

• Buy safety of as much as $10,000 per declare and $50,000 per 12 months
• Worth safety of as much as $500 per merchandise and $1,500 per 12 months
• Return safety of as much as $300 per merchandise and $1,000 per 12 months
• Prolonged guarantee service extends warranties of three years or much less by as much as one 12 months
• Occasion ticket safety of as much as $500 per occasion ticket, $2,000 per occasion and $5,000 per 12 months

The cardboard comes with a $500 airline charge credit score, which works equally to the airline charge credit score provided by choose Amex playing cards (enrollment could also be required for Amex playing cards; 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 embody most well-liked seating upgrades, checked baggage charges, onboard meals and beverage prices and airport lounge charges.

You need to choose a qualifying airline prematurely. You will not be capable of change your choice till the following calendar 12 months, so select rigorously.

The cardboard additionally supplies as much as $500 in assertion credit if cardholders spend $25,000 or extra through the calendar 12 months. Assertion credit should be requested and are eligible towards restaurant transactions, Amazon Prime membership charges and airport lounge charges charged to your eligible UBS Visa Infinite card account, as much as $500 per calendar 12 months. Assertion credit score should be claimed inside 120 days of the transaction date.

Given the spending requirement and the restrictions on how the assertion credit score can be utilized, that is positively not a profit price paying a lot thoughts to.

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

• World Entry or TSA PreCheck software charge assertion credit score of as much as $120 each 4 years
• Entry to e-book resort stays with elitelike advantages via the Visa Infinite Luxurious Resort Assortment
• Entry to extra elitelike perks, facilities and charges at choose properties, akin to Main Motels of the World, LVH World, Mandarin Oriental Resort Group, Marriott Worldwide Luminous, Marriott Worldwide STARS and Most popular Motels & Resorts, once you e-book via the usConcierge
• GigSky supplies an annual 5GB, 30-day complimentary knowledge roaming plan via the GigSky app (suitable eSim gadget required)
• Rental automotive reductions with Avis and Nationwide
• Non-public aviation advantages with NetJets

As well as, the usVisa supplies the next protections:

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

Associated: Visa Infinite: Every little thing you have to know, from rental automotive perks to lounge entry

Incomes factors on the usVisa Infinite Credit score Card

The usVisa Infinite earns:

• 3 factors per greenback spent on eligible air journey
• 2 factors per greenback spent on choose digital streaming, newspapers, cable TV and groceries
• 1 level per greenback spent on all different eligible purchases

Since factors are typically redeemable for 1 to 1.8 cents every, you will get an efficient return of three to five.4% on business air journey, 2 to three.6% on choose digital leisure, newspapers, cable TV and groceries and 1 to 1.8% on all different purchases.

There is no cap to the factors you may earn, and factors do not expire so long as your card is open.

Associated: Maximize your airfare: The perfect bank cards for reserving flights

Redeeming factors on the usVisa Infinite Credit score Card

There are various choices for redeeming your factors. You possibly can redeem on-line via UBS On-line Providers or over the cellphone with the usRewards Desk.

If you happen to’re redeeming for a flight, you will wish to redeem for a flight costing as near $350 or $900 as attainable with out going over.

Though you may redeem a ticket costing greater than these quantities, you need to pay the worth distinction utilizing extra factors at a charge of 5,000 factors per $50. You possibly can solely make extra funds with factors, and you need to accomplish that in increments of 5,000 factors.

Assuming you’ll find a flight bookable via UBS for just below $900, this implies you may stand up to 1.8 cents per level. Alternatively, you might redeem 25,000 factors via the usRewards Service Middle for one flight costing as much as $350 — however this may solely provide you with as much as 1.4 cents per level.

You probably have hassle discovering a flight just below $900 or simply beneath $350, there are different redemption choices. For instance, you should use factors to pay for present playing cards and merchandise. You may as well cowl your annual charge with factors. However these different choices typically present no multiple cent of worth per level.

Most rewards packages make redeeming factors for flights a lot simpler than this, so think about that rigorously earlier than pledging $650 annually to this card.

Associated: Tips on how to resolve when to make use of money or miles for getting airline tickets

Which playing cards compete with the usVisa Infinite Credit score Card?

If you happen to’re contemplating the usVisa Infinite, you are doubtless evaluating it towards different premium journey playing cards.

• If you would like a premium card with a decrease annual charge: The Capital One Enterprise X Rewards Credit score Card gives entry to Precedence Cross and Capital One lounges with a extra palatable annual charge of $395. The cardboard additionally supplies journey protections, and cardholders earn 2 miles per greenback spent on all purchases. Cardholders additionally obtain a $300 journey credit score annually to make use of on Capital One Journey. To be taught extra, try our full assessment of the Capital One Enterprise X.
• If you would like extra assertion credit: The Platinum Card from American Specific is the top of premium luxurious playing cards. The cardboard gives entry to Precedence Cross 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 charges and charges). To be taught extra, try our full assessment of the Amex Platinum.
• If you would like a versatile journey credit score: The Chase Sapphire Reserve gives a beneficiant and easy-to-use journey credit score yearly for journey purchases that helps offset the cardboard’s $795 annual charge. The cardboard comes with Precedence Cross lounge entry, together with entry to Chase’s personal model of lounges. Notable incomes charges embody 8 factors per greenback spent on purchases via Chase Journey℠, 4 factors per greenback spent on flights and resorts booked immediately and three factors per greenback on eating worldwide. To be taught extra, learn our full assessment of the Sapphire Reserve.

For extra choices, try our full checklist of one of the best journey bank cards and finest premium journey playing cards.

Associated: Amex Platinum vs. Chase Sapphire Reserve

Is the usVisa Infinite Credit score Card price it?

The usVisa Infinite prices a whopping $650 annual charge, however it may be choice for vacationers who can get worth from high-end, service-oriented advantages. The cardboard additionally gives a few of the most complete journey and procuring advantages that you’re going to discover on a at the moment obtainable journey rewards card. That mentioned, you will doubtless wish to go on this card in case you will not get important worth from its perks, you are on the lookout for a card with profitable incomes charges or desire a card that earns transferable rewards.

Backside line

Regardless of lackluster incomes charges, the usVisa Infinite Credit score Card supplies helpful advantages which will justify its $650 annual charge for some. From complete journey protections and premium journey advantages to cost safety and assertion credit, most of the card’s advantages can successfully offset the cardboard’s annual charge.

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

Associated: U.S. Financial institution Altitude Reserve Visa Infinite Card assessment

For charges and charges of the Amex Platinum Card, please click on right here.

For Capital One merchandise listed on this web page, a few of the advantages could also be supplied by Visa® or Mastercard® and should range by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.