UBS credit cards are quirky little things. Historically they’ve rarely had welcome offers, you need to be a High Net Worth individual to get approved for them, and you can’t apply for them online—you have to call UBS.
While the latter two quirks haven’t changed, the first one has: there are now welcome offers on both the consumer and business versions of their Visa Signature and Visa Infinite cards. If you have a sufficient income and don’t mind making a phone call to apply, these could be worth it, especially the Visa Infinite cards given the high welcome offer and the card benefits.
The Offers & Key Card Details
| Card Offer and Details |
|---|
 ⓘ $924 1st Yr Value Estimate$500 airline incidental fee credit valued at $450 Click to learn about first year value estimates 125K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 125K points after $6K spend in the first 3 months. Have to call to apply. (Offer Expires 6/30/2026)$650 Annual Fee You have to call 866-827-8472 to apply & UBS is aimed at High Net Worth individuals. Bonus offer is not available to either current or previous UBS credit cardmembers Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: May be worth considering if you highly value the card's perks and if you can maximize rewards by purchasing flights costing as close to $900 as possible for 50,000 points (up to 1.8 cents per point value) Earning rate: 3X for commercial air travel ✦ 2X for eligible groceries, select digital entertainment, newspapers and cable TV ✦ 1X everywhere else Base: 1% Flights: 3% Grocery: 2% Card Info: Visa Infinite issued by UBS. This card has no foreign currency conversion fees. Big spend bonus: Up to $500 credit towards restaurant transactions, Amazon Prime membership fees and airport lounge access fees after $25K calendar year spend Noteworthy perks: Priority Pass Select ✦ $500 annual airline fee credit for selected domestic airline ✦ $120 towards Global Entry or TSA PreCheck ✦ Primary car rental collision and theft insurance coverage ✦ Travel accident insurance, emergency medical evacuation coverage, lost luggage, trip delay, trip cancellation ✦ Cellphone protection ✦ Event ticket protection ✦ One annual complimentary 5GB, 30-day cellular data roaming plan per cardholder in 125+ countries via GigSky |
| Card Offer and Details |
|---|
 ⓘ $924 1st Yr Value Estimate$500 airline incidental fee credit valued at $450 Click to learn about first year value estimates 125K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 125K points after $6K spend in the first 3 months. Have to call to apply. (Offer Expires 6/30/2026)$650 Annual Fee You have to call 866-827-8472 to apply & UBS is aimed at High Net Worth individuals. Bonus offer is not available to either current or previous UBS credit cardmembers Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: May be worth considering if you highly value the card's perks and if you can maximize rewards by purchasing flights costing as close to $900 as possible for 50,000 points (up to 1.8 cents per point value) Earning rate: 3x for air travel and hotel stays ✦ 2x for eligible business expenses (office supplies, business cable/internet, shipping, business phone and advertising) ✦ 1X everywhere else Base: 1% Flights: 3% Hotels: 3% Office: 2% Card Info: Visa Infinite issued by UBS. This card has no foreign currency conversion fees. Big spend bonus: Up to $500 credit towards restaurant transactions, Amazon Prime membership fees and airport lounge access fees after $25K calendar year spend. Noteworthy perks: Priority Pass Select ✦ $500 annual airline fee credit for selected domestic airline ✦ $120 towards Global Entry or TSA Pre√ every 4 years ✦ Primary rental car coverage for business rentals ✦ Travel accident insurance, emergency medical evacuation coverage, delayed & lost luggage, trip delay, trip interuption, trip cancellation ✦ Price protection, event ticket protection, return protection, extended warranty, purchase protection ✦ One annual complimentary 5GB, 30-day cellular data roaming plan per cardholder in 125+ countries via GigSky |
| Card Offer and Details |
|---|
 ⓘ $374 1st Yr Value EstimateClick to learn about first year value estimates 50K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 50K points after $6K spend in the first 3 months. Have to call to apply. (Offer Expires 6/30/2026)No Annual Fee You have to call 866-827-8472 to apply & UBS is aimed at High Net Worth individuals. Bonus offer is not available to either current or previous UBS credit cardmembers Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: May be worth getting for signup bonus. Otherwise this card is useless. Base: 1% Card Info: Visa Signature issued by UBS. This card imposes foreign transaction fees. Noteworthy perks: Travel and purchase protection |
| Card Offer and Details |
|---|
 ⓘ $374 1st Yr Value EstimateClick to learn about first year value estimates 50K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 50K points after $6K spend in the first 3 months. Have to call to apply. (Offer Expires 6/30/2026)No Annual Fee You have to call 866-827-8472 to apply & UBS is aimed at High Net Worth individuals. Bonus offer is not available to either current or previous UBS credit cardmembers Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: May be worth getting for signup bonus. Otherwise this card is useless. Base: 1% Card Info: Visa Signature issued by UBS. This card imposes foreign transaction fees. Noteworthy perks: Primary rental car coverage for business rentals ✦ Travel accident insurance ✦ Delayed and lost luggage coverage ✦ Extended warranty ✦ Return protection |
Quick Thoughts
UBS points can be redeemed for 1 cent per point (cpp), so the 50,000 and 125,000 point welcome offers are worth at least $500 and $1,250 respectively. Even better, those bonuses can be redeemed for even higher value courtesy of a couple of fixed rate redemption options.
You can redeem a fixed 25K points for a flight (booked through UBS) worth up to $350. If maxing that out, that works out to be 1.4cpp of value. Alternatively, you can redeem a fixed 50K points for a flight (again, booked through UBS) worth up to $900. That’s worth 1.8cpp, but only if maxing out on a $900 flight. For flights costing more than $350 or $900 respectively, you can redeem points in 5K increments, with each 5K points being worth $50 (i.e. 1cpp).
That means a redemption could have a blended redemption rate. For example, let’s say you want to book a $500 flight. You’d redeem 25K points for the first $350 of that, with another 15K points being required for the additional $150. That’s a total of 40K points for a $500 flight which works out at 1.25cpp.
If you tend to book paid airfare in that kind of price range, you could certainly value UBS points at greater than 1cpp. Given the limited ways to get value in excess of 1cpp though, I wouldn’t value them too highly.
The Visa Signature and Visa Signature Business cards don’t have much going for them in the way of perks, but a 50K point (i.e. $500) welcome offer for a no annual fee card is decent value.
However, if you don’t mind stretching for the $650 annual fee Visa Infinite or Visa Infinite Business cards, you could get some significant value. For starters, there’s the 125,000 point (i.e. $1,250) welcome offer which more than offsets the difference in the annual fee for the first year versus the no annual fee cards. There’s a $500 airline fee credit for your selected airline which is run on a calendar year basis. That means you’ll get $500 now and another $500 in 2027, giving you several months next year to redeem that benefit if you’re not planning on renewing the card.
There’s a Priority Pass Select membership that does include restaurant access and has unlimited guesting privileges. If you spend $25K in a year, you’ll receive an additional $500 credit that can be redeemed for Amazon Prime membership fees, restaurant charges, and airport lounge memberships.
There are additional perks, so check out this post for more details about the Visa Infinite cards: UBS Visa Infinite cards: Increased annual fees, but boosted benefits to boot.
These welcome bonuses are listed as ending on June 30, 2026. There haven’t been welcome bonuses on these cards up until now, so I wouldn’t count on them continuing beyond the end of June. As a result, if you’re interested in one of these cards, I wouldn’t put off applying for it.
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For the vast majority of hobbyists, this card would not be a keeper. For a niche player, it might be. So, for the vast majority of hobbyists, it would be about the SUB. I’d say too much squeeze for too little juice.
Does the business version count towards Chase 5/24, main does it show up on personal credit report like some banks?
I believe they did in the past; I’m not sure if they still do.
Any idea what might constitute high net worth to a Swiss bank?
No clue I’m afraid. It may well be a case of “If you have to ask…”
Lol. I have to ask.