UBS Visa Infinite Credit score Card assessment: Full particulars

UBS Visa Infinite Credit score Card overview

The united statesVisa Infinite Credit score Card gives many advantages, together with in style perks comparable to a Precedence Move Choose membership and value safety. Nonetheless, incomes charges are modest, and a few cardholders might battle to maximise redemptions. Card score*: ⭐⭐⭐

*Card score relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

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The united statesVisa 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 Move membership, making it stand out among the many crowd. We suggest candidates have a credit score rating of 730 or higher to extend their probabilities of approval.

This card actually is not a superb match for everybody, particularly with an enormous $650 annual price.

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 offered by the cardboard issuer.

UBS Visa Infinite Credit score Card professionals and cons

UBS Visa Infinite Credit score Card welcome provide

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

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

In the event you’re on the lookout for a premium journey rewards card with a welcome provide, take into account making use of for a card like The Platinum Card® from American Categorical, the Chase Sapphire Reserve® (see charges and costs) or the Capital One Enterprise X Rewards Credit score Card.

Associated: One of the best bank card welcome gives this month

UBS Visa Infinite Credit score Card advantages

The united statesVisa Infinite card is loaded with advantages and perks, which is predicted from a card with such a excessive annual price. One of many card’s greatest advantages is its Precedence Move Choose membership.

Whereas a Precedence Move membership is widespread on top-tier journey playing cards, what units the usVisa Infinite other than a lot of the competitors is its Precedence Move restaurant entry. Only a few playing cards provide this perk today, so if that is vital for you, the usVisa Infinite might belong in your pockets.

Plus, the usVisa Infinite gives glorious 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:

• Buy safety of as much as $10,000 per declare and $50,000 per 12 months
• Value 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 price credit score, which works equally to the airline price credit score provided by choose Amex playing cards (enrollment could also be required for Amex playing cards; phrases apply).

The united statesVisa Infinite’s airline price credit score is for ancillary airline charges on one qualifying U.S. home airline that you’ve got chosen. Examples of eligible airline charges embrace most well-liked seating upgrades, checked baggage charges, onboard meals and beverage costs and airport lounge charges.

You will need to choose a qualifying airline prematurely. You will not have the ability to change your choice till the subsequent calendar 12 months, so select fastidiously.

The cardboard additionally gives 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:

• International Entry or TSA PreCheck utility price assertion credit score of as much as $120 each 4 years
• Entry to guide lodge stays with elitelike advantages by means of the Visa Infinite Luxurious Resort Assortment
• Entry to extra elitelike perks, facilities and charges at choose properties, comparable to Main Inns of the World, LVH International, Mandarin Oriental Resort Group, Marriott Worldwide Luminous, Marriott Worldwide STARS and Most popular Inns & Resorts, once you guide by means of the usConcierge
• GigSky gives an annual 5GB, 30-day complimentary knowledge roaming plan by means of the GigSky app (appropriate eSim machine required)
• Rental automobile reductions with Avis and Nationwide
• Personal aviation advantages with NetJets

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

Associated: Visa Infinite: All the things you’ll want to know, from rental automobile perks to lounge entry

Incomes factors on the usVisa Infinite Credit score Card

The united statesVisa 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 isn’t any cap to the factors you may earn, and factors do not expire so long as your card is open.

Associated: Maximize your airfare: One of the best bank cards for reserving flights

Redeeming factors on the usVisa Infinite Credit score Card

There are numerous choices for redeeming your factors. You possibly can redeem on-line by means of UBS On-line Companies or over the cellphone with the usRewards Desk.

In the event you’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 will need to pay the worth distinction utilizing extra factors at a fee of 5,000 factors per $50. You possibly can solely make extra funds with factors, and you will need to accomplish that in increments of 5,000 factors.

Assuming you could find a flight bookable by means of UBS for just below $900, this implies you may stand up to 1.8 cents per level. Alternatively, you would redeem 25,000 factors by means of 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 hassle discovering a flight just below $900 or simply below $350, there are different redemption choices. For instance, you should utilize factors to pay for reward playing cards and merchandise. You can even cowl your annual price 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 take into account that fastidiously earlier than pledging $650 every year to this card.

Associated: Easy methods to resolve when to make use of money or miles for purchasing airline tickets

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

In the event you’re contemplating the usVisa Infinite, you are probably evaluating it towards different premium journey playing cards.

• If you would like a premium card with a decrease annual price: The Capital One Enterprise X Rewards Credit score Card gives entry to Precedence Move and Capital One lounges with a extra palatable annual price of $395. The cardboard additionally gives journey protections, and cardholders earn 2 miles per greenback spent on all purchases. Cardholders additionally obtain a $300 journey credit score every year to make use of on Capital One Journey. To be taught extra, take a look at our full assessment of the Capital One Enterprise X.
• If you would like extra assertion credit: The Platinum Card from American Categorical is the top of premium luxurious playing cards. The cardboard gives entry to Precedence Move lounges, Plaza Premium lounges and the Amex Centurion Lounge community. Enrollment is required; phrases apply. The cardboard does include a better annual price of $695 (see charges and costs). To be taught extra, take a look at 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 price. The cardboard comes with Precedence Move lounge entry, together with entry to Chase’s personal model of lounges. Notable incomes charges embrace 8 factors per greenback spent on purchases by means of Chase Journey℠, 4 factors per greenback spent on flights and inns booked immediately and three factors per greenback on eating worldwide. To be taught extra, learn our full assessment of the Sapphire Reserve.

For added choices, take a look at our full listing of the greatest journey bank cards and greatest premium journey playing cards.

Associated: Amex Platinum vs. Chase Sapphire Reserve

Is the usVisa Infinite Credit score Card price it?

The united statesVisa Infinite costs a whopping $650 annual price, however it may be a superb possibility 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 presently obtainable journey rewards card. That mentioned, you will probably wish to go on this card in case you will not get vital worth from its perks, you are on the lookout for a card with profitable incomes charges or need a card that earns transferable rewards.

Backside line

Regardless of lackluster incomes charges, the usVisa Infinite Credit score Card gives beneficial advantages which will justify its $650 annual price 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 price.

You are almost definitely to get vital worth from the cardboard in case you’re out there for premium journey perks comparable to non-public aviation advantages, elitelike facilities at choose lodge manufacturers and a educated concierge.

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

For charges and costs 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 offered by Visa® or Mastercard® and will differ by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.