UBS Visa Infinite Credit score Card overview
The united statesVisa Infinite Credit score Card supplies many advantages, together with common perks similar to a Precedence Cross Choose membership and value safety, that almost all different playing cards have discontinued. Nonetheless, incomes charges are modest, and a few cardholders could 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.
The united statesVisa Infinite Credit score Card is mostly 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. Permitted candidates have a credit score rating of 730 or higher.
This card definitely is not a superb match for everybody, particularly with a $495 annual payment.
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 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 supplied by the cardboard issuer.
UBS Visa Infinite Credit score Card professionals and cons
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UBS Visa Infinite Credit score Card welcome provide
One of many largest downsides of the usVisa Infinite card is that it at the moment doesn’t provide any type of a welcome bonus.
Up to now, the cardboard featured a welcome provide. You have to name UBS or contact your UBS monetary adviser to use for the cardboard, which differs from the appliance course of for many playing cards. Elevated welcome bonuses are generally accessible to UBS shoppers once they communicate with their UBS monetary adviser.
In the event you’re in search of a premium journey rewards card that at the moment has a welcome provide, take into account making use of for a card like The Platinum Card® from American Categorical, the Chase Sapphire Reserve® or the Capital One Enterprise X Rewards Credit score Card.
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Associated: The very 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, together with some advantages that almost all different issuers have slashed from their playing cards. One of many card’s finest advantages is its Precedence Cross Choose membership.
Plus, the usVisa Infinite gives wonderful purchasing protections — together with more and more uncommon value safety and virtually unheard-of occasion ticket safety — while you make purchases along with your card:
- Buy safety of as much as $10,000 per declare and $50,000 per cardholder
- Value safety of as much as $500 per merchandise and $1,500 per yr
- Return safety of as much as $300 per merchandise and $1,000 per yr
- Prolonged guarantee service extends warranties of three years or much less by as much as one yr (for as much as $10,000 per declare and $50,000 per cardholder)
- Occasion ticket safety of as much as $500 per occasion ticket, $2,000 per occasion and $5,000 per yr
The cardboard comes with a $250 airline payment credit score, which works equally to the airline payment credit score supplied by choose Amex playing cards (enrollment could also be required; phrases apply). The united statesVisa Infinite’s airline payment credit score is for ancillary airline charges on one qualifying U.S. home airline that you’ve got chosen.
Examples of eligible airline charges embody most well-liked seating upgrades, checked baggage charges, inflight leisure, onboard meals and beverage expenses and airport lounge charges. That you must choose a qualifying airline prematurely; you will not have the ability to change your choice till the following calendar yr, so select rigorously.
Cardholders additionally get entry to varied extra journey advantages and perks, together with:
- International Entry or TSA PreCheck utility payment assertion credit score of as much as $100 each 4 years.
- Entry to e book lodge stays with elitelike advantages by the Visa Infinite Luxurious Resort Assortment
- Entry to extra elitelike perks, facilities and charges at Main Inns of the World, LVH International, Mandarin Oriental Resort Group, Marriott Worldwide Luminous, Marriott Worldwide STARS, Most popular Inns & Resorts, Relais & Chateaux, Shangri-La, Small Luxurious Inns of the World, Waldorf Astoria and Conrad Inns & Resorts properties while you e book by the usConcierge
- Journey delay reimbursement as much as $500 per ticket to reimburse the price of meals and lodging if a visit is delayed greater than six hours or requires an in a single day keep
- Baggage delay protection as much as $100 per day for 3 days (capped at $300 over 12 months).
- Journey cancellation and journey interruption insurance coverage as much as $5,000 per widespread service fare
- Misplaced baggage reimbursement as much as $5,000 per coated journey (New York residents restricted to $2,000 in protection per bag)
- Major protection reimbursement for collision or harm, as much as the worth of most rental automobiles
- Paid emergency medical evacuation and transportation protection as much as $100,000
- Journey accident insurance coverage as much as $1,000,000
- Rental automotive reductions with Avis and Nationwide
- Non-public aviation advantages with NetJets
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 expenses (if funds can be found in a linked UBS useful resource administration account), plus get limitless ATM payment rebates on money withdrawals within the U.S. (as much as $10 per transaction)
- No international transaction charges
Associated: Every part you’ll want to know concerning the Visa Infinite program’s advantages
Incomes factors on the usVisa Infinite Credit score Card
The united statesVisa Infinite earns 3 factors per greenback spent on business air journey, 2 factors per greenback spent on fuel and groceries and 1 level per greenback spent on all different eligible purchases.
Since factors are usually redeemable for 1 to 1.8 cents every, you may get an efficient return of three to five.4% on business air journey, 2 to three.6% on fuel and groceries and 1 to 1.8% on all different purchases.
There is not any cap to the factors you possibly can earn, and factors do not expire so long as your card is open.
Associated: The very best bank cards for reserving flights
Redeeming factors on the usVisa Infinite Credit score Card
There are a lot of choices for redeeming your factors. You possibly can redeem on-line by UBS On-line Companies or over the cellphone with the usRewards Desk, however you may wish to redeem for a flight costing as near $900 as potential with out going over.
Though you possibly can redeem a ticket costing greater than $900, you need to pay the value 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. However redeeming for a ticket effectively beneath $900 leaves potential worth on the desk.
Assuming you will discover a flight bookable by UBS for just below $900, this implies you possibly can stand up to 1.8 cents per level. Alternatively, you can redeem 25,000 factors by 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 have hassle discovering a flight just below $900 or simply beneath $350, there are different redemption choices. For instance, you possibly can pay with factors for reward playing cards and merchandise. You too can cowl your annual payment with factors. However these different choices usually present no a couple of cent of worth per level.
That is definitely an unorthodox redemption scheme for a journey card, and it isn’t one which I am a specific fan of.
Associated: How you can determine whether or not to make use of money or miles for airline tickets
Which playing cards compete with the usVisa Infinite Credit score Card?
In the event you’re contemplating the usVisa Infinite, you are doubtless evaluating it in opposition to different premium journey playing cards.
- If you need a premium card with a decrease annual payment: The Capital One Enterprise X Rewards Credit score Card gives beneficiant entry to Precedence Cross, Plaza Premium and Capital One lounges with a greater annual payment of $395 (see charges and charges). The cardboard additionally supplies journey protections, and cardholders earn 2 miles per greenback on all purchases. Cardholders additionally obtain as much as $300 in journey credit annually to make use of on Capital One Journey. To study extra, try our full evaluation of the Capital One Enterprise X.
- If you need extra assertion credit: The Platinum Card from American Categorical is the head 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 payment of $695 (see charges and charges). To study extra, try our full evaluation of the Amex Platinum.
- In the event you want Chase and versatile journey credit score: The Chase Sapphire Reserve gives a beneficiant and easy-to-use $300 journey credit score yearly for Chase Journey℠ purchases that helps offset the cardboard’s $550 annual payment. The cardboard comes with Precedence Cross lounge entry, together with entry to Chase’s personal model of lounges opening inside the U.S. The cardboard earns 3 factors per greenback on eating and journey purchases made exterior of Chase Journey (after the primary $300 in journey purchases annually). These classes are broadly outlined, serving to you earn factors sooner. To study extra, learn our full evaluation of the Sapphire Reserve.
For added choices, try our full lists of the most effective journey bank cards and finest premium journey playing cards.
Associated: Amex Platinum vs. Chase Sapphire Reserve: Which card is best for you?
Is the usVisa Infinite Credit score Card value it?
The united statesVisa Infinite expenses a $495 annual payment, however it may be a superb choice for vacationers who can get worth from high-end, service-oriented advantages. The cardboard additionally gives a number of the most complete journey and purchasing advantages that you’re going to discover on a at the moment accessible journey rewards card. That stated, you may doubtless wish to go on this card if you happen to will not get vital worth from its perks, if you happen to’re in search of 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 priceless advantages that will justify its $495 annual payment for some. From complete journey protections and premium journey advantages to value safety, most of the card’s advantages can successfully offset the cardboard’s annual payment.
You are almost definitely to get vital worth from the cardboard if you happen to’re available in the market for premium journey perks similar 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 evaluation
For charges and charges of the Amex Platinum Card, please click on right here.
For Capital One merchandise listed on this web page, a number of the advantages could also be supplied by Visa® or Mastercard® and will fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
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