Visa Infinite
UBS$650 a yearVisa InfiniteNo foreign transaction feeIssuer's page
A fair time to apply if the card fits how you spend.
Already have it? On typical spending it does not cover the annual fee: weigh a downgrade or closing it before it renews.
Welcome bonus
125,000points
after $6,000 in purchases in the first 3 months
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus125,000 points at 1¢ | $1,250 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$15 |
| Credits you'll likely useof $530 face value | +$371 |
| Annual fee | −$650 |
| Meeting the $6,000 minimumearns 1% here vs 2% on Double Cash | −$60 |
| First year | $926 |
| Each year after | +$146 |
Not counted in the first year: lounge access, status and protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 2X | Grocery Stores | 2% |
| 3X | Flights | 3% |
| 2X | Digital entertainment | 2% |
| 2X | Cable | 2% |
| 1X | Everything else | 1% |
+ 1 more rate
| Rate | Category | Return |
|---|---|---|
| 2X | Newspapers | 2% |
Noteworthy perks
- Airline Fees$500 a year
- Priority Pass Select
- National Emerald Club Executive (enrollment required)
- Global Entry/TSA PreCheck$30 a year
Personal card · Earns UBS Rewards Points · Authorized user fee $0
Benefits
Credits & Perks (2)
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
Covers application fee. Credit applies automatically when charged to card.
- Airline Fees: $500 (Annual Calendar Year)
Enrollment required and must choose one eligible US airline per year. Covers incidental fees like preferred seating upgrades, ticket change/cancelation fees, checked baggage fees, in-flight entertainment, onboard food and beverage charges, airport lounge fees, and other airline travel fees and may vary by airline. Airline ticket purchases, mileage point purchases, mileage points transfer fees, gift cards, duty-free purchases, award tickets and fees incurred with airline alliance partners are not deemed to be Qualifying transactions. Airport lounge fees not affiliated with airlines and transactions made with travel agencies are not deemed to be Qualifying transactions. Ancillary airline travel fees must be separate charges from airline ticket charges.
Lounge Access (1)
- Priority Pass Select (Unlimited): unlimited free guests, paid guests allowed
Elite status (2)
- Avis Preferred: Preferred Plus
- National Emerald Club: Executive
Protections (13)
- Travel Accident Insurance, up to $1,000,000, Up to $1,000,000 coverage for accidental death or dismemberment during common carrier travel
- Trip Cancellation/Interruption, up to $10,000, Up to $10,000 per covered person, $20,000 per trip, $40,000 per 12-month period
- Trip Delay, up to $500, Up to $500 per ticket for delays over 6 hours
- Lost Luggage Reimbursement, up to $5,000, Reimbursement up to $5,000 per trip for lost or damaged luggage
- Baggage Delay Insurance, up to $300, Up to $100 per day for 3 days when checked baggage is delayed 4+ hours
- Emergency Evacuation, up to $100,000, Up to $100,000 for emergency medical evacuation; $10,000 for repatriation of remains
- Purchase Protection, up to $10,000, 90 days coverage for damage/theft, up to $10,000 per claim, $50,000 per year
- Extended Warranty, up to $10,000, Adds up to 12 months to existing warranties of 3 years or less, up to $10,000 per claim, $50,000 per year
- Return Protection, up to $300, Up to $300 per item when store won't accept return
- Price Protection, up to $500, Up to $500 per item, $1,500 per year if price drops within 90 days of purchase
- Event Ticket Protection, up to $500, Up to $500 per ticket, $2,000 per event, $5,000 per year for covered event cancellations
- Auto Rental Collision Damage Waiver (primary), Primary coverage up to cash value of rental car
- Cell Phone Protection, up to $750, Up to $750 per claim, $50 deductible, up to 2 claims per 12-month period ($1,500 max) when cell phone bill paid with card
Other Perks
- 5GB/30-day GigSky global data plan annually
- NetJets perks
- Visa Infinite Luxury Hotel Collection: VIP amenities including complimentary breakfast, room upgrade, property credit, and late checkout
- $500 bonus credit for dining/Prime/lounges after $25K annual spend
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to UBS CardOct 8, 2026
- changed from null to Up to 24 additional cards at no fee.Sep 30, 2026
- changed from cashback to otherSep 27, 2026
- changed from null to 6000Aug 13, 2026
- changed from null to 90Aug 13, 2026