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UBS Visa Signature Credit Card

Requires sign in
Rewards Rate
1 point for every $1 spent
Sign Up Bonus
N/A
Typical Credit Score
Excellent, Good
Pros & Cons
  • Rewards Program
  • No Annual Fee
  • Extensive List of Protections and Benefits
  • Unlimted ATM Fee Rebates up to $5
  • 0% Intro APR for Balance Transfers for 12 months
  • No welcome bonus
Rated Best for:
UBS Visa Signature Credit Card Review

Who is the UBS Visa Signature credit card for?

This card is for those that are looking to gain a wide array of protections and benefits while also being rewarded for purchases at no cost. Purchases such as groceries or gas could earn 1 point for every $1 spent, making this ideal for everyday transactions. The additional incentives such as extended warranty, no atm fees, and luggage coverage ensure that you're getting the most out of owning a credit card.

With no annual fee, the extensive list of purchases and benefits is amazing. Further, the many redemption methods offered by this card guarantees that you'll always have ways to spend your easy-earned points.

While this card does amaze, it can only be obtained by those of high credit standing. Specifically, those with a good to excellent credit score are accepted. In this view, it would be wiser to check your credit score before applying as your credit score can take a hit every time you apply for a new credit card. 

Rewards Rate:

The UBS Visa Signature credit card offers 1 point per dollar spent on qualifying purchases. Qualifying purchases are net purchases made on this card and eligible purchases. The points earned on this card do not expire as long as your card is active and in good standing. Furthermore, earned points are added to your account and available to use one week after the purchase. International transactions, however, can take up to 30 days to post to your account. You have the chance to earn more points by acting on promotions that are offered from time to time.

One reward point is given for every dollar spent and purchases made with cents are rounded. For example, a cardholder who makes a purchase in the amount of $45.52 will be awarded 46 points. A cardholder who makes a purchase of $45.48 however, will be awarded 45 points. In essence, any transactions equal to or greater than .50 will. be rounded up a point and transactions that have .49 or less are rounded down to the nearest whole dollar. With this in mind, cardholders should understand that they will only be awarded whole points and never partial points.

Points that are earned through this card can be redeemed for airline and cruise tickets, hotel certificates, vacation packages, merchandise rewards, rewards certificates, and much more. You can redeem your points by calling the UBS Rewards Service Center or by going online to the user dashboard.

For the airline and cruise ticket rewards, it should be noted that the rate of redemption is 100 points per $1 where the minimum ticket price must be $100. The number of points required for these tickets will be rounded up to the next whole dollar of 100 points. For example, a ticket costing $302.50 will require 30,300 points. Also, a $25 booking fee applies per ticket of an additional 2,500 points. Since airline and cruise tickets purchased with points are non-refundable, it would be wise to calculate the cost of using this points system over traditional ticket purchasing.

If you have a UBS Resource Management Account (RMA) or Business Service Account (BSA), you can use your points to pay the account's annual service fee.

If you don't like any of the redemption prizes, you can take statement credit instead. If you want to make a purchase with your points that's not offered by UBS, you will receive statement credit in the amount of the purchase. The rate of redemption for this is 100 points per dollar spent with a minimum redemption of $100. If you choose to receive statement credit, you’ll be credited within 1 to 2 days of the request.

0% Intro APR for Balance Transfers 

Existing debts can really become oppressive due to interest payments, but this card’s 0% intro APR on balance transfers can really help. 0% introductory APR for balance transfers for 12 months is provided for transfers that happen within 90 days of account opening. This fantastic offering is ideal for escaping interest payments from debts such as student and auto loans.

Protections:

When you pay for the entire cost of an eligible common carrier ticket with this card, you are eligible for lost luggage reimbursement. Common carrier meaning any land, water, or air transportation which transports passengers for which a ticket must be purchased. You can be reimbursed for your luggage or carry-on baggage up to $3000. This reimbursement policy only applies when your bags are lost due to theft or misdirection. To gain this benefit, you have to file a claim within 20 days of your luggage being lost. With up to $3,000 of coverage provided complimentary with this card, you'll never have to worry about losing your bags.

For those times when you need to return an item but returns are not accepted, this card's return protection coverage can come in handy. This coverage reimburses you for the cost of the qualifying item within 90 days of its purchase. The item however must be purchased entirely with your UBS Visa Signature card. Items up to $250 are covered and an annual maximum of $1,000 per account is allowed. Shipping and handling costs, however, are not covered by this benefit. You have to contact UBS customer service within 90 days of the purchase to be able to be reimbursed for your item.

Purchase Security is another great benefit of this card. With this protection, you'll be reimbursed for items purchased with the UBS Visa Signature card. Items that are stolen through theft or damaged by fire, vandalism, or weather conditions are eligible to take advantage of this coverage. Further, this benefit covers the first ninety days from the purchase date to a maximum of five hundred dollars per claim and fifty thousand dollars ($50,000.00) per cardholder.

This card offers extended warranty protection which doubles the original manufacturer's warranty. Warranties of three years or less are doubled up to one additional year. To gain this excellent benefit, cardholders must purchase the item entirely on their Visa Signature card. No more than the original price of the item is covered, meaning shipping and handling are excluded. Up to a maximum of $10,000 per claim and fifty thousand dollars $50,000.00 per cardholder are covered under this program.

Cardholders can rent with peace of mind knowing their rentals made with their UBS Visa Signature credit card are covered. This benefit provides reimbursement up to the value of the rented vehicle for collision damage or theft.

When using this card at an ATM, any fees charged will be reimbursed up to $5 per transaction for an unlimited number of transactions. This is a distinctive feature which most cards don't offer, making this the best for times when you need to instantly withdraw funds.

Benefits

Traveling can turn into an unpleasant experience when lacking emergency and assistance resources. Fortunately, this card allows you to call customer service and get connected with the appropriate local emergency and assistance resources when you're away from home. When traveling away from our known areas, it can be frustrating not knowing who to contact but this card ensures that cardholders never face that issue.

Warranty registration is a very unique and interesting service that's offered by this card. With warranty registration, card users can register the information of their warranties with UBS. This is an offering that all cardholders should use as when arranging for replacement or repairs, you won't have to scramble for vital documents and will only have to call customer service.

As a UBS Visa Signature cardholder, you'll automatically be insured against accidental loss of life, limb, sight, speech or hearing while riding as a passenger in any common carrier. To qualify for this feature, the common carrier passenger fare has to be charged on this card.

Conclusion:

The UBS Visa Signature credit card is extensive in terms of the rewards, benefits, and protections that it offers. All the features of owning this card come at no annual cost, making this the perfect choice to go with if you're looking for a credit card that has it all. To say otherwise, this card is optimal if you want to avoid having to juggle multiple resources such as coverages, protections, and services with the added benefit of being rewarded for shopping like you already do.

Complete Card Details
Rewards Rate
1 point for every $1 spent
Welcome Bonus
N/A
Typical Credit Score
Excellent, Good
Intro Annual Fee
N/A
Annual Fee
N/A
Additional User Annual Fee
N/A
Foreign Transaction Fee
3%
Intro Purchase APR
N/A
Regular Purchase APR
15.24%
Cash Advance Fee
2% - 3%
Cash Advance APR
22.24%
Late Fee
Up to $38
Intro Balance Transfer APR
0%
Regular Balance Transfer APR
15.24%
Penalty APR
N/A
Balance Transfer Fee
2% - 3%
Return Payment Fee
Up to $38
Minimum Deposit
N/A
Credit Card Network
Visa
Credit Card Issuer
UBS
UBS Visa Signature Credit Card FAQ

What is the minimum credit score required to apply for UBS Visa Signature Credit Card?

A credit score of 680 is required to be eligible for UBS Visa Signature Credit Card.

What is the minimum deposit required for UBS Visa Signature Credit Card?

There is no minimum deposit required for this credit card.

What is the Intro Annual Fee for UBS Visa Signature Credit Card

The Intro Annual Fee for UBS Visa Signature Credit Card is not available at the moment. Please check the terms for more details.

What is the Annual Fee for UBS Visa Signature Credit Card

The Annual Fee for this credit card is not available at the moment. Please check the terms for more details.

What is the Intro Purchase APR for UBS Visa Signature Credit Card

The Intro Purchase APR for UBS Visa Signature Credit Card is not available at the moment. Please check the terms for more details.

What is the Regular Purchase APR for UBS Visa Signature Credit Card

The Regular Purchase APR for this credit card is 15.24%.

What is the Intro Balance Transfer APR for UBS Visa Signature Credit Card

The Intro Balance Transfer APR for this credit card is 0%.

What is the Regular Balance Transfer APR for UBS Visa Signature Credit Card

The Regular Balance Transfer APR for UBS Visa Signature Credit Card is 15.24%.

What is the Cash Advance APR for UBS Visa Signature Credit Card

The Cash Advance APR for UBS Visa Signature Credit Card is 22.24%.

What is the Cash Advance Fee for UBS Visa Signature Credit Card

The Cash Advance Fee for this credit card is 2% - 3%.

What is the Late Fee for UBS Visa Signature Credit Card

The Late Fee for this credit card is up to $38.

What is the Penalty APR for UBS Visa Signature Credit Card

The Penalty APR for UBS Visa Signature Credit Card is not available at the moment. Please check the terms for more details.

What is the Balance Transfer Fee for UBS Visa Signature Credit Card

The Balance Transfer Fee for this credit card is 2% - 3%.

What is the Min. Balance Transfer Fee for UBS Visa Signature Credit Card

The Min. Balance Transfer Fee for this credit card is $2 - $10.

What is the Foreign Transaction Fee for UBS Visa Signature Credit Card

The Foreign Transaction Fee for this credit card is 3%.

What is the Return Payment Fee for UBS Visa Signature Credit Card

The Return Payment Fee for this credit card is up to $38.
$738
$1,065
$261
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