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UBS Visa Signature Credit Card
- Regular Purchase APR 15.24% variable based on the Prime Rate
- Balance Transfer APR 15.24% variable based on the Prime Rate
- Cash Advance APR 22.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent
- Processing Network Visa
- No annual fee
- Redeem your points to pay for anything you buy with your UBS credit card using the Personal Choice feature ($100 minimum in purchases) or for gift cards, travel and merchandise
- Earn 1 My Choice Rewards point per dollar spent on eligible purchases
- Regular Purchase APR: 15.24% variable based on the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months on transfers made within 90 days from account opening date
- Balance Transfer APR: 15.24% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $2 to $10 or 2% to 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 22.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $2 to $10 or 2% to 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.24% variable based on the Prime Rate
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $38
- Return Payment Penalty Fee: Up to $38
UBS Visa Infinite Credit Card
- Regular Purchase APR 15.24% variable based on the Prime Rate
- Balance Transfer APR 15.24% variable based on the Prime Rate
- Cash Advance APR 22.24% variable based on the Prime Rate
- Annual Fee $495
- Credit Needed Excellent
- Processing Network Visa
- Earn 3x points for commercial air travel, 2x points for gas and groceries, and 1 point for all other eligible purchases
- Flexible rewards options including travel, gift cards, merchandise—and your annual fee
- $250 credit for any qualifying air travel expenses
- Complimentary Priority Pass membership
- TSA Pre-check or Global Entry statement credits
- Regular Purchase APR: 15.24% variable based on the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months on transfers made within 90 days from account opening date
- Balance Transfer APR: 15.24% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $2 to $10 or 2% to 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 22.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $2 to $10 or 2% to 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.24% variable based on the Prime Rate
- Annual Fee: $495
- Late Payment Penalty Fee: Up to $38
- Return Payment Penalty Fee: Up to $38
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1About UBS
UBS Bank USA is the U.S. branch of UBS, one of the largest financial institutions in the world. UBS is short for Union Bank of Switzerland, the former name which the international conglomerate operated under from 1862 to 1998.
UBS is one of the largest financial institutions on the planet, with approximately $1 trillion in assets as of 2019. While UBS offers private banking services, the main thrust of its activities is wealth management for individuals and corporations. As of 1018, UBS had an industry-leading 11% ROI (return on investment), 2% higher than JP Morgan Chase Bank.
UBS Credit Cards
UBS currently offers two credit cards for American clients: the UBS Visa Signature and the UBS Visa Infinite.
The UBS Visa Infinite is renowned as one of the most exclusive credit cards available today. The card is exceedingly challenging to receive, with those applying needing an excellent credit score.
The key feature of the UBS Visa Infinite is the unparalleled luxury concierge service. This service is above-and-beyond the same service offered by Amex or Chase and on par with those offered by Luxury Card.
While the Visa Infinite offers exceptional travel perks and unrivaled customer service, however, it lacks in points, making the Platinum Card a better choice for those who prefer locations to luxury.
Frequently Asked Questions (FAQs) About UBS
Here are answers to common questions about UBS:
Is UBS a Swiss Bank?
- UBS comes from the name United Bank of Switzerland. While the headquarters are in Basel and Zurich, UBS has offices around the world – including the United States.
Is UBS a U.S. bank?
- One of the subsidiaries of UBS is UBS Bank USA, which sometimes goes by the name BUSA. Funds deposited in UBS Bank USA are FDIC insured for up to $250,000.
