UBS Visa Infinite Business Card
A $650-annual-fee points business card from UBS Bank USA, with airport lounge access.
UBS Bank USA · VISA
- Annual fee
- $650
- Purchase APR
- 21.74–21.74%variable
- Foreign transaction
- None
Earn Rules
| Travel | 3.00% |
| 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 Airline Fee Credit for any qualifying air travel expenses (requires enrollment and airline selection)yearSource ↗ | $500/yr |
| $500 Annual Credit for restaurant transactions, Amazon Prime membership fees and airport lounge access (requires $25,000+ annual spend)yearSource ↗ | $500/yr |
| Statement credit for Global Entry® or TSA PreCheck™ application fee (up to $120 every 4 years)every 4 years (amortized)Source ↗ | $25/yr |
| Total credits / year we count | $1,025 |
Why this differs from the issuer's headline number. Card marketing sums every credit at full value and assumes you use all of them. We count each credit at face value too, but only the ones shown above. A credit you won't use is worth $0 to you, so the honest number for most people is lower than the brochure. Decide which ones fit your life; the calculator counts what you tell it to.
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.
- Small-business owners or freelancers with a distinct expense pool. Separating business spending from personal helps at tax time regardless of the rewards math.
Wondering if this card pays off for your situation? Is the UBS Visa Infinite Business Card worth it? →
Cards in the Same Fee Tier That Score Higher
A similar annual fee, ranked higher at the default profile.
- Sapphire Reserve For BusinessSM Card$1,850 (+$1,167)
- United ClubSM Business Card$695 (+$11)