You’re considering a premium credit card for travel and lifestyle that delivers high-touch service and practical protections. The UBS Visa Infinite product carries a $650 annual fee and targets travelers who value concierge support, Priority Pass Select access, and robust purchase protections.
The card waives foreign transaction fees and includes a $500 airline fee credit tied to one U.S. carrier each year. You can also earn up to $500 in statement credits after $25,000 in calendar-year spend for dining, Amazon Prime, and lounge fees, claimed within 120 days.
Approval leans on excellent credit (often 730+), and there’s currently no welcome bonus. Points accrue on flights and daily spend and convert to fixed-price airfare awards, so this card rewards those who use its redemption tiers and protections.
Read on to see how the fee, credits, and concierge services match your travel habits and rewards goals.
Key Takeaways
- $650 annual fee; benefits aim at frequent travelers who use concierge and lounge access.
- $500 airline fee credit plus up to $500 in statement credits after $25k spend.
- No foreign transaction fees and strong purchase protections for shopping and events.
- Approval odds improve with excellent credit (typically 730+).
- No current welcome bonus; value comes from fixed airfare awards and perks.
At a Glance: What You’re Getting with the UBS Visa Infinite
Quickly see the core perks and credits that shape the UBS Visa Infinite’s value for frequent travelers.
This card centers on lounge access, targeted credits, and strong travel protections. You get Priority Pass Select with restaurant access, which expands airport dining and relaxation options beyond many competing cards.
- Priority Pass Select membership with select restaurant access for airport lounge dining.
- No foreign transaction fees, so international purchases stay predictable.
- $500 airline incidental credit per calendar year for one U.S. carrier (bags, upgrades, lounge fees).
- Up to $500 in statement credits after $25,000 in calendar-year spend for dining, airport lounge fees, or Amazon Prime.
The annual fee sits at the high end for travel cards, so confirm that lounge access, travel credit, and concierge uses offset the cost for your habits. Points earn well on flights and everyday spend, but you’ll want to watch airfare redemption tiers to maximize rewards.
Who This Premium Travel Credit Card Is Right For
Think of this card as a toolkit for frequent flyers who want lounge time, hotel upgrades, and robust trip protections.
You’ll get the most value if you routinely use airport lounges with restaurant access, tap a dedicated airline for the $500 airline fee credit, and rely on concierge services for hotel upgrades and VIP amenities. The card favors applicants with excellent credit and travelers who book premium travel often.
Not a great fit if you rarely travel, prefer low-fee alternatives, or chase transferable points. UBS points do not convert to external airline or hotel partners, so points maximizers may find other travel credit cards more flexible.
- Frequent flyers who value lounge and restaurant access and rich travel protections.
- Luxury hotel guests who use concierge channels for upgrades and VIP perks.
- High spenders able to hit $25,000/year to unlock additional statement credits.
- Not ideal for low spenders or those who need transferable points for airline/hotel programs.
Signature Luxury Benefits That Set It Apart
The card brings a suite of consistent, high-value travel amenities that work together to save you time and add comfort.
Priority Pass Select with restaurant access gives you more dining options during delays and layovers. You can use lounges and participating restaurants, which is rare among premium cards and extends your airport comfort.
Visa Infinite Luxury Hotel Collection perks include complimentary daily breakfast, upgrades when available, and a unique property amenity at each stay. UBS Concierge helps secure VIP touches at brands like Mandarin Oriental and Leading Hotels of the World.
Private aviation and elite car rental benefits add convenience for high-value trips. Private aviation access through NetJets and preferred programs with Avis and National make travel smoother when time matters.
Global Entry or TSA PreCheck credit reimburses your application fee (up to $120) every four years to speed your airport passage. You also get a complimentary GigSky 5GB, 30-day plan for compatible eSIM devices to stay connected abroad.
- Best use: regular flyers who pass through Priority Pass restaurants and book upscale hotels.
- Why it matters: these benefits turn routine travel into consistent value across booking, transit, and check-in.
Travel Protections and Insurance You Can Rely On
When trips get disrupted, the card’s suite of travel protections helps you recover costs fast. These benefits are designed to cover real-world setbacks: delays, lost bags, nonrefundable tickets, and serious emergencies abroad.
Delay and baggage coverage: If a trip delay exceeds six hours, you can get up to $500 per ticket for meals or lodging. Baggage delays (12+ hours) reimburse up to $100 per day for three days. Lost luggage coverage protects up to $5,000 per trip.
- Trip cancellation/interruption: Up to $10,000 per common carrier fare per person helps recoup prepaid travel costs.
- Primary rental car CDW: Decline the rental company’s collision insurance and the card steps in, up to the value of most rental cars.
- Medical evacuation & accident insurance: Emergency medical evacuation covers up to $100,000 and travel accident insurance provides up to $1,000,000 in serious incidents.
Purchase and ticket protections: Price protection covers up to $500 per item and $1,500 per year. Return protection pays up to $300 per item and $1,000 per year. Event ticket protection reimburses up to $500 per ticket, $2,000 per event, and $5,000 per year for covered reasons.
Tip: Note the 1,500 per yearly cap on some shopping protections and the per event limits for ticket protection. Knowing these thresholds ensures smoother claims and better peace of mind on complex itineraries.
Earning Structure: How Your Card Earns Points
Getting points with this card is simple and predictable. You’ll see the biggest uplift on flights and steady returns on everyday bills. That makes it easier to plan how fast you reach reward thresholds.
Here’s how the card earns:
- 3X points per dollar on eligible commercial air travel — ideal if you book flights often and want consistent points per ticket.
- 2X points per dollar on groceries and select digital categories (streaming, newspapers, cable TV), giving routine ways to boost earnings.
- 1X point per dollar on all other purchases, keeping non-bonus spending straightforward.
There’s no cap on points and they don’t expire while your account stays open. The card also has no foreign transaction fees, so you can use it abroad without extra charges.
Strategy tip: Maximize 3X on airfare and 2X on groceries/digital. Track your calendar year spending to time redemptions and hit any annual milestones that unlock extra statement credits.
Redeeming Points: Per Point Value and Sweet Spots
You get the most cents-per-point when you redeem points on airfare that sits just below each tier cap. The UBS points system uses fixed airfare tiers, so planning matters more than spontaneous redemptions.
Tier basics: 25,000 points covers a ticket up to $350 (about 1.4 cents per point). The 50,000-point tier covers fares up to $900 (about 1.8 cents per point).
If a fare exceeds a tier, you must add points in 5,000-point blocks, each block worth $50. That step-up can sharply lower your effective per point return.
- Target 50,000 points for fares just under $900 to approach ~1.8 cents per point.
- Use 25,000 points near $350 fares to get about 1.4 cents per point.
- Avoid crossing a cap by a small amount; topping off with 5,000 blocks drags down value.
When to pick non-air redemptions: Statement credit, gift cards, or merchandise usually return about one cent per point or less. Choose these options only when airfare tiers don’t line up with your travel plans.
Practical tips: Search multiple dates and routes to find fares under each cap. If you must top off, calculate the added 5,000 blocks and the effective cents-per-point before you confirm. Because you cannot transfer points to airline partners, your best strategy is to save points for clear airfare sweet spots rather than dilute value with lower-return gift cards or credits.
Fees, Credits, and Value: Annual Fee, Airline Fee Credit, and $500 Statement Credit
Before you decide, map out how the card’s credits line up with your travel and spending patterns.
Breaking down the $650 annual fee with the $500 airline fee credit
You pay a $650 annual fee, but the card includes a $500 airline incidental credit tied to a single U.S. carrier. Use it for checked bags, preferred seats, onboard food and lounge fees.
“Pick the carrier you use most — that single-airline rule will determine how much of the fee you can realistically recover.”
$500 annual statement credit after $25,000 calendar-year spend
If you spend $25,000 in a calendar year, you can request up to $500 in statement credits. Eligible charges include dining, Amazon Prime membership, and certain lounge fees. Claims must be filed within 120 days of the charge.
Other credits to note: You also get a Global Entry or TSA PreCheck application fee credit (up to $120) every four years, which helps speed airport entry.
- Align the airline fee with your most-used carrier to maximize value.
- If you miss the $25,000 threshold, count on only the airline fee credit and security program credit to offset the annual fee.
- Set calendar reminders to track spend and submit statement credit requests promptly.
ubs-visa-infinite-card-luxury-benefits in Real Life
See how core perks translate into smoother, more comfortable trips. The real value shows up in layovers, hotel stays, and when purchases or tickets need protection.
Airport lounge and restaurant access on multi-leg itineraries
Priority Pass Select with restaurant access turns long connections into relaxed meals. On multi-leg trips, you can sit down between flights instead of waiting at a gate.
Luxury hotel bookings with upgrades, breakfast, and VIP amenities
Book through UBS Concierge or the Visa Infinite Luxury Hotel Collection to get breakfast, possible room upgrades, and a property amenity. Alert the concierge for special occasions to improve on-arrival recognition.
Event ticket protection, price protection, and return protection scenarios
No foreign transaction fees keep the card practical abroad for dining and shopping. Protections include event ticket protection (up to $500/ticket, $2,000/event, $5,000/year), price protection ($500/item, $1,500/year), and return protection ($300/item, $1,000/year).
- Plan layovers around airports with strong airport lounge restaurant choices.
- Use concierge for celebratory stays to increase upgrade odds and amenities.
- Keep receipts and communications to speed claims for tickets or purchases.
Bottom line: With a bit of planning, this credit card turns common travel frictions into repeatable, tangible benefits.
How to Qualify and Apply
Applying for the UBS Visa Infinite requires a mix of strong credit and a direct advisor touch. You rarely complete a standard online form for this product. Instead, the application commonly runs through a UBS financial advisor or by phone with UBS.
Credit profile matters. You’re most competitive with an excellent credit profile. A FICO score around 730 or higher is commonly recommended before applying.
Advisor-assisted applications help you choose your preferred airline for the annual incidental credit and clarify how the $650 fee will offset first-year value. Your advisor can also walk you through statement credit claim steps and the 120-day filing window.
- Prepare: compile your airline and hotel usage per year and recent credit history before the call.
- Ask: how protections claim timelines work and whether linking UBS accounts affects ATM fee rebates.
- Checklist: pick your annual airline quickly, request onboarding benefit activations, and confirm how to submit statement credit requests.
Tip: Consider a pre-application review to see how this card complements your existing cards and to set realistic expectations for approval and first-year utility.
Top Alternatives Compared: Sapphire Reserve, Amex Platinum, Venture X
When you weigh the UBS Visa Infinite against other premium travel cards, focus on credits, transfer partners, and lounge access.
Chase Sapphire Reserve stands out for a broadly usable travel credit and deep transfer partners. Its flexible travel credit covers many trip costs, and Ultimate Rewards transfers can amplify value with partners like World of Hyatt and United.
Amex Platinum offers the widest lounge network — Centurion, Plaza Premium, plus Priority Pass after enrollment — and many lifestyle credits. Its Membership Rewards ecosystem gives strong transfer options for strategic redemptions.
Capital One Venture X brings a lower $395 fee, a $300 annual travel credit via Capital One Travel, and a 10,000-mile anniversary bonus. Its transferable miles and easy earnings make it a solid, lower-fee alternative.
- Pick Sapphire Reserve if portal multipliers and transfer partners matter most.
- Choose Amex Platinum for the broadest lounge access and lifestyle credits.
- Go with Venture X for lower fee, steady earnings, and flexible transfers.
Bottom line: If you value Priority Pass restaurants and concierge perks, the UBS visa can be compelling. If you prioritize transferable points and flexible travel credit, the Sapphire Reserve, Amex Platinum, or Venture X may deliver greater rewards per dollar.
Conclusion
For travelers who plan redemptions and use concierge services, the card’s mix of benefits delivers steady payback.
Map your yearly habits — lounge dining, hotel upgrades, and airline incidentals — against the annual fee to see net value. The ubs visa infinite pairs Priority Pass restaurant access, robust protections, and targeted credits to lower your effective cost.
Master the tiered points redemptions: when fares line up with the airfare tiers, your points can approach 1.8 cents per point. Without transfer partners, timing and price control the best visa infinite credit outcomes.
No foreign transaction fees, primary rental coverage, and broad purchase protections make this infinite credit card practical beyond headline perks. If you track usage, the ubs visa infinite can turn its credits into real rewards and smoother travel.
