UBS Visa Infinite Credit Card review: Full details

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

The usVisa Infinite Credit score Card is mostly not spoken of a lot inside journey bank card circles. Nevertheless, it has helpful perks like assertion credit, value safety and a Priority Pass membership, making it stand out among the many crowd. Accredited candidates have a credit score of 730 or higher.

This card definitely is not a great match for everybody, particularly with a $495 annual payment.

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

The knowledge for the united statesVisa 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.

For those who’re on the lookout for a premium journey rewards card that at the moment has a welcome provide, think about making use of for a card like The Platinum Card® from American Express, the Chase Sapphire Reserve® or the Capital One Venture X Rewards Credit Card.

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Associated: The best credit card welcome offers this month

UBS Visa Infinite Credit score Card advantages

The usVisa 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 Go Choose membership.

Plus, the united statesVisa Infinite gives glorious purchasing protections — together with more and more uncommon value safety and nearly unheard-of occasion ticket safety — once you make purchases together with your card:

• Purchase security of as much as $10,000 per declare and $50,000 per cardholder
• Price protection 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
• Extended warranty service extends warranties of three years or much less by as much as one 12 months (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 12 months

The cardboard comes with a $250 airline payment credit score, which works equally to the airline fee credit offered by select Amex cards (enrollment could also be required; phrases apply). The usVisa 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 fees and airport lounge charges. You could choose a qualifying airline upfront; you will not be capable to change your choice till the subsequent calendar 12 months, so select fastidiously.

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

• Global Entry or TSA PreCheck software payment assertion credit score of as much as $100 each 4 years.
• Entry to e book resort stays with elitelike advantages by way of the Visa Infinite Luxurious Lodge Assortment
• Entry to further elitelike perks, facilities and charges at Main Accommodations of the World, LVH International, Mandarin Oriental Lodge Group, Marriott Worldwide Luminous, Marriott Worldwide STARS, Most well-liked Accommodations & Resorts, Relais & Chateaux, Shangri-La, Small Luxury Hotels of the World, Waldorf Astoria and Conrad Accommodations & Resorts properties once you e book by way of the united statesConcierge
• Trip 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 coverage as much as $100 per day for 3 days (capped at $300 over 12 months).
• Trip cancellation and trip interruption insurance as much as $5,000 per frequent provider fare
• Lost luggage reimbursement as much as $5,000 per lined journey (New York residents restricted to $2,000 in protection per bag)
• Primary coverage reimbursement for collision or harm, as much as the worth of most rental vehicles
• Paid emergency medical evacuation and transportation protection as much as $100,000
• Journey accident insurance coverage as much as $1,000,000
• Rental car discounts 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 fees (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 foreign transaction fees

Associated: Everything you need to know about the Visa Infinite program’s benefits

The usVisa Infinite earns 3 factors per greenback spent on business air journey, 2 factors per greenback spent on gas and groceries and 1 level per greenback spent on all other 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 fuel and groceries and 1 to 1.8% on all different purchases.

There isn’t any cap to the factors you’ll be able to earn, and factors do not expire so long as your card is open.

Associated: The best credit cards for booking flights

There are numerous choices for redeeming your points. You possibly can redeem on-line by way of UBS On-line Companies or over the cellphone with the united statesRewards Desk, however you will need to redeem for a flight costing as near $900 as attainable with out going over.

Though you’ll be able to redeem a ticket costing greater than $900, you need to pay the worth distinction utilizing further factors at a price of 5,000 factors per $50. You possibly can solely make further funds with factors, and you need to achieve this in increments of 5,000 factors. However redeeming for a ticket effectively underneath $900 leaves potential worth on the desk.

Assuming you will discover a flight bookable by way of UBS for slightly below $900, this implies you’ll be able to stand up to 1.8 cents per level. Alternatively, you can redeem 25,000 factors by way of the united statesRewards Service Middle for one flight costing as much as $350 — however this might solely offer you as much as 1.4 cents per level.

When you have bother discovering a flight slightly below $900 or simply underneath $350, there are different redemption choices. For instance, you’ll be able to pay with factors for gift cards and merchandise. You may also cowl your annual payment with factors. However these different choices typically 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 selected fan of.

Associated: How to decide whether to use cash or miles for airline tickets

• If you need a premium card with a decrease annual payment: The Capital One Venture X Rewards Credit Card gives beneficiant entry to Precedence Go, Plaza Premium and Capital One lounges with a greater annual payment of $395 (see rates and fees). 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 every year to make use of on Capital One Journey. To study extra, take a look at our full review of the Capital One Venture X.
• If you need extra assertion credit: The Platinum Card from American Express is the head of premium luxurious playing cards. The cardboard gives entry to Precedence Go lounges, Plaza Premium lounges and the Amex Centurion Lounge community. Enrollment is required; phrases apply. The cardboard does include a better annual payment of $695 (see rates and fees). To study extra, take a look at our full review of the Amex Platinum.
• For those who choose 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 Go lounge entry, together with entry to Chase’s personal model of lounges opening throughout 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 every year). These classes are broadly outlined, serving to you earn factors sooner. To study extra, learn our full review of the Sapphire Reserve.

For extra choices, take a look at our full lists of the best travel credit cards and best premium travel cards.

Associated: Amex Platinum vs. Chase Sapphire Reserve: Which card is right for you?

The usVisa Infinite fees a $495 annual payment, however it may be a great possibility 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 will discover on a at the moment accessible journey rewards card. That stated, you will doubtless need to go on this card when you will not get vital worth from its perks, when you’re on the lookout for a card with profitable incomes charges or desire a card that earns transferable rewards.

Regardless of lackluster incomes charges, the united statesVisa Infinite Credit score Card supplies invaluable advantages which will justify its $495 annual payment for some. From complete journey protections and premium journey advantages to price protection, lots of the card’s advantages can successfully offset the cardboard’s annual payment.

You are most definitely to get vital worth from the cardboard when you’re out there for premium journey perks equivalent to personal aviation advantages, elitelike facilities at choose resort manufacturers and a educated concierge.

Associated: U.S. Bank Altitude Reserve Visa Infinite Card review

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

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