UBS Visa Infinite Credit Card

Name: UBS Visa Infinite Credit Card
Brand: UBS Bank USA
Price: 707.43 USD
Availability: InStock

A $650-annual-fee points card from UBS Bank USA, with airport lounge access.

Points

UBS Bank USA · VISA

Annual fee: $650
Purchase APR: 21.74–21.74%variable
Foreign transaction: None

Your NAV

Try your own numbers

Spending

Monthly spend$2,500

Enter what you spend per category each month. Anything left blank counts as $0.

GroceryDiningGasTravelEverything else

Lounge value / yrWhat airport lounge access is worth to you per year. Zero if you rarely fly. Rough anchors: • Never flies or never uses lounges: $0 • 1–3 visits/yr (occasional traveler): $100–$200 • 5–10 visits/yr (regular leisure + business): $300–$500 • 15+ visits/yr (frequent business traveler): $750–$1,500 • 25+ visits/yr (road warrior): $1,500+ A Priority Pass day pass costs $35–$50; premium third-party lounges run $50–$75. Pick a number that reflects what you'd actually pay if you had to buy each visit.$0 (not counted)

Revolving balance$0

Spending we calculated on

Monthly$2,500

Annual$30,000

What this card would give you

Cashback	$332
Statement credits	$1,025
Subtotal	$1,357

You'd earn $1,357 in value over the year.

What it would cost you

Annual fee	$650
Subtotal	$650

You'd pay $650 to hold the card.

Year 1 value$707

Ongoing / yr$707

Year 1 matches every year after: this card has no signup bonus or first-year fee waiver.

Net Annual Value$707

Net: an estimated $707 ahead over the year at your profile.

Earn Rules

Travel	3.00%
Grocery	2.00%
Streaming	2.00%
All Other	1.00%

Statement Credits

Each credit shown at full face value. The NAV math counts the total. What you actually use is your call.

$500 Annual Credit (based on annual spend) for restaurant transactions, Amazon Prime membership fees and airport lounge accessyearSource ↗	$500/yr
$500 Airline Fee Credit for any qualifying air travel expensesyearSource ↗	$500/yr
Statement credit up to $120 toward either Global Entry® or TSA PreCheck® application feeevery 4 years (amortized)Source ↗	$25/yr

Total credits / year we count

$1,025

The total counts each credit at face value, and only the ones reachable at this spending level.

Who This Card Makes Sense For

Travelers who will actually use the lounge access. Set what a visit is worth to you in the calculator above. It is counted as $0 until you do, so the $650 fee currently has to be covered by everything else.

Where This Came From

Annual fee“$650”
Source ↗
APR range“21.74%”
Source ↗

Wondering if this card pays off for your situation? Is the UBS Visa Infinite Credit Card worth it? →

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