Current Welcome Bonus & Value
The UBS Visa Infinite Credit Card presents two distinct welcome bonus tiers:
- Standard Offer: Earn 25,000 points after spending $3,000 in the first 3 months of account opening.
- Enhanced Offer (for existing UBS clients): Earn 50,000 points after spending $5,000 in the first 3 months, exclusively for existing UBS customers with $250,000 or more under management.
Based on current valuations, the estimated value of the standard bonus is -$245, factoring in the card's annual fee. This suggests that for most churners, the bonus alone may not offset the cost of holding the card.
Minimum Spend to Earn It
To qualify for the standard 25,000-point welcome bonus, you must spend $3,000 within the first 90 days (3 months) of account opening. For the enhanced 50,000-point bonus, existing UBS clients must spend $5,000 within the same 90-day timeframe.
Who's Eligible
Eligibility for the UBS Visa Infinite Credit Card is primarily for new cardmembers only. This means if you've held this specific card before, you are generally not eligible to receive the welcome bonus again. There are no specific issuer application rules like Chase's 5/24 rule mentioned for UBS cards.
- Credit Score: An excellent credit score is required for approval.
- UBS Relationship: To qualify for the higher 50,000-point bonus, you must be an existing UBS customer with at least $250,000 under management.
Is It Worth It?
Evaluating the UBS Visa Infinite for churning requires a close look at its structure:
Pros:
- No Foreign Transaction Fees: This can be a significant benefit for international travelers.
Cons:
- High Annual Fee: The card carries a substantial annual fee of $495.
- Negative Estimated Bonus Value: The standard welcome bonus's estimated value is -$245, indicating that the bonus points may not fully cover the annual fee for many users.
- Limited Bonus Accessibility: The higher 50,000-point bonus is restricted to a niche group of existing UBS clients with significant assets under management.
For most individuals focused on maximizing signup bonuses, the high annual fee and negative estimated bonus value make this card a less attractive option compared to others in the market. Its value proposition leans more towards existing high-net-worth UBS clients who may benefit from other card features not detailed here.
How to Apply
To apply for the UBS Visa Infinite Credit Card, you typically visit the official UBS website or contact a UBS financial advisor. Ensure you meet the credit score requirements and understand the specific terms for the bonus you are targeting.
Alternatives
If the UBS Visa Infinite Credit Card doesn't align with your churning strategy, consider these related cards that might offer different value propositions:
- Rewards Credit Card
- Spirit ‘Free Spirit’ Credit Card
- Atmos Rewards Summit Visa Infinite Card
- Virgin Red
- Choice Privileges
- Bank of America® Premium Rewards® credit card
(Offers are subject to change and are accurate as of June 2026.)