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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Reviews
UBS Visa Infinite Credit Card review: Excellent perks, lackluster redemptions
Credit card writer Danyal Ahmed is an avid traveler, averaging about 100,000 aeronautical miles per year. He regularly applies that knowledge and his expertise in credit cards to his role as a credit card writer at TPG.
Katie Genter is a digital nomad who has traveled full time since June 2017. She writes and edits stories about points and miles, and loyalty programs, often letting her personal experiences color these stories.
also contributed to this story
July 16, 2025 • 11 min read
MASKOT/GETTY IMAGES
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.
Editorial note: This is a recurring post, regularly updated with new information and offers.
Quick summary
A premium travel rewards card offers extensive benefits, including lounge access with restaurant privileges, comprehensive shopping protections and multiple statement credits.
Travel protections include trip delay, baggage delay, trip cancellation, lost luggage reimbursement and emergency medical evacuation coverage.
Earning rates are modest compared to other premium cards, and maximizing redemptions can be challenging due to specific thresholds for optimal value.
Applicants must apply through a financial adviser or by phone, and the card currently does not feature a welcome bonus.
What to consider
A high annual fee applies, and a significant spending requirement is needed to unlock certain statement credits.
Redemption for flights requires careful planning to maximize point value, with the best rates achieved at specific price thresholds.
No transfer partners are available, limiting flexibility for those seeking to move rewards to airline or hotel programs.
What you'll miss from the article
A detailed comparison of how this card's perks, protections and redemption rules stack up against other leading premium travel cards.
Generated by AI with support from our editorial team.
Editorial disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
The UBS Visa Infinite Credit Card provides many benefits, including popular perks such as a Priority Pass Select membership and price protection. However, earning rates are modest, and some cardholders may struggle to maximize redemptions. Card rating*: ⭐⭐⭐
*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
The UBS Visa Infinite Credit Card is generally not spoken of much within travel credit card circles. However, it has useful perks like statement credits, price protection and a Priority Pass membership, making it stand out among the crowd. We recommend applicants have a credit score of 730 or better to increase their chances of approval.
This card certainly isn’t a good fit for everyone, especially with a big $650 annual fee.
Let’s examine the UBS Visa Infinite Credit Card closer to see whether it is a good addition to your wallet.
The information for the UBS Visa Infinite Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
UBS Visa Infinite Credit Card pros and cons
Pros
Cons
Statement credits
Access to hotel VIP programs/benefits
Lounge access
No foreign transaction fees
High annual fee
No transfer partners
High spending requirement for annual travel credit
UBS Visa Infinite Credit Card welcome offer
One of the biggest downsides of the UBS Visa Infinite card is that it currently does not offer a welcome bonus (although it previously did).
THE POINTS GUY
To apply, you must call UBS or contact your UBS financial adviser, which differs from the application process for most cards.
The UBS Visa Infinite card is loaded with benefits and perks, which is expected from a card with such a high annual fee. One of the card's best benefits is its Priority Pass Select membership.
While a Priority Pass membership is common on top-tier travel cards, what sets the UBS Visa Infinite apart from most of the competition is its Priority Pass restaurant access. Very few cards offer this perk these days, so if that's a must-have for you, the UBS Visa Infinite may belong in your wallet.
SCOTT MAYEROWITZ/THE POINTS GUY
Plus, the UBS Visa Infinite offers excellent shopping protections — including increasingly rare price protection and almost unheard-of event ticket protection — when you make purchases with your card:
The UBS Visa Infinite’s airline fee credit is for ancillary airline fees on one qualifying U.S. domestic airline that you’ve selected. Examples of eligible airline fees include preferred seating upgrades, checked baggage fees, onboard food and beverage charges and airport lounge fees.
You must select a qualifying airline in advance. You won't be able to change your selection until the next calendar year, so choose carefully.
The card also provides up to $500 in statement credits if cardholders spend $25,000 or more during the calendar year. Statement credits must be requested and are eligible toward restaurant transactions, Amazon Prime membership fees and airport lounge fees charged to your eligible UBS Visa Infinite card account, up to $500 per calendar year. Statement credit must be claimed within 120 days of the transaction date.
Given the spending requirement and the limitations on how the statement credit can be used, this is definitely not a benefit worth paying much mind to.
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Cardholders also get access to various additional travel benefits and perks, including:
Access to book hotel stays with elitelike benefits through the Visa Infinite Luxury Hotel Collection
Access to additional elitelike perks, amenities and rates at select properties, such as Leading Hotels of the World, LVH Global, Mandarin Oriental Hotel Group, Marriott International Luminous, Marriott International STARS and Preferred Hotels & Resorts, when you book through the UBS Concierge
GigSky provides an annual 5GB, 30-day complimentary data roaming plan through the GigSky app (compatible eSim device required)
Finally, cardholders also get access to these other perks:
UBS Concierge to assist with coordinating travel planning, dining, entertainment, event ticket access and more
Use your card at any ATM and pay no cash advance or finance charges (if funds are available in a linked UBS resource management or business services account), plus get unlimited ATM fee rebates on cash withdrawals in the U.S. (up to $10 per transaction)
Since points are generally redeemable for 1 to 1.8 cents each, you’ll get an effective return of 3 to 5.4% on commercial air travel, 2 to 3.6% on select digital entertainment, newspapers, cable TV and groceries and 1 to 1.8% on all other purchases.
DANYAL AHMED/THE POINTS GUY
There’s no cap to the points you can earn, and points don’t expire as long as your card is open.
Redeeming points on the UBS Visa Infinite Credit Card
There are many options for redeeming your points. You can redeem online through UBS Online Services or over the phone with the UBS Rewards Desk.
If you're redeeming for a flight, you’ll want to redeem for a flight costing as close to $350 or $900 as possible without going over.
Although you can redeem a ticket costing more than those amounts, you must pay the price difference using additional points at a rate of 5,000 points per $50. You can only make additional payments with points, and you must do so in increments of 5,000 points.
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Assuming you can find a flight bookable through UBS for just under $900, this means you can get up to 1.8 cents per point. Alternatively, you could redeem 25,000 points through the UBS Rewards Service Center for one flight costing up to $350 — but this would only give you up to 1.4 cents per point.
If you have trouble finding a flight just under $900 or just under $350, there are other redemption options. For example, you can use points to pay for gift cards and merchandise. You can also cover your annual fee with points. But these other options generally provide no more than one cent of value per point.
Most rewards programs make redeeming points for flights much easier than this, so consider that carefully before pledging $650 each year to this card.
Which cards compete with the UBS Visa Infinite Credit Card?
If you’re considering the UBS Visa Infinite, you’re likely comparing it against other premium travel cards.
If you want a premium card with a lower annual fee: The Capital One Venture X Rewards Credit Card offers access to Priority Pass and Capital One lounges with a more palatable annual fee of $395. The card also provides travel protections, and cardholders earn 2 miles per dollar spent on all purchases. Cardholders also receive a $300 travel credit each year to use on Capital One Travel. To learn more, check out our full review of the Capital One Venture X.
If you want more statement credits: is the pinnacle of premium luxury cards. The card offers access to Priority Pass lounges, Plaza Premium lounges and the Amex Centurion Lounge network. Enrollment may be required. The card does come with a higher annual fee of $895 (see rates and fees). To learn more, check out our full review of the Amex Platinum.
If you want a flexible travel credit: The offers a generous and easy-to-use travel credit annually for travel purchases that helps offset the card's $795 annual fee. The card comes with Priority Pass lounge access, including access to Chase's own brand of lounges. Notable earning rates include 8 points per dollar spent on purchases through Chase Travel℠, 4 points per dollar spent on flights and hotels booked directly and 3 points per dollar on dining worldwide. To learn more, read our full review of the Sapphire Reserve.
The UBS Visa Infinite charges a whopping $650 annual fee, but it can be a good option for travelers who can get value from high-end, service-oriented benefits. The card also offers some of the most comprehensive travel and shopping benefits that you’ll find on a currently available travel rewards card. That said, you’ll likely want to pass on this card if you won’t get significant value from its perks, you’re looking for a card with lucrative earning rates or want a card that earns transferable rewards.
Bottom line
Despite lackluster earning rates, the UBS Visa Infinite Credit Card provides valuable benefits that may justify its $650 annual fee for some. From comprehensive travel protections and premium travel benefits to price protection and statement credits, many of the card’s benefits can effectively offset the card’s annual fee.
You’re most likely to get significant value from the card if you're in the market for premium travel perks such as private aviation benefits, elitelike amenities at select hotel brands and a knowledgeable concierge.
For rates and fees of the Amex Platinum Card, please click here.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
