5 Issues to Know About UBS Enterprise Credit score Playing cards

The small-business bank cards provided by UBS — an funding financial institution with a rich clientele — are good offers, however solely for individuals who can reap the benefits of their high-end aspect perks. The trio of playing cards characteristic doubtlessly invaluable advantages, akin to main rental car insurance and personal aviation perks. However their ongoing rewards are much less spectacular in comparison with these on different small-business playing cards with related annual charges.

Here is a more in-depth have a look at what these three UBS enterprise bank cards provide.

1. The cash-back card provides the most effective ongoing rewards

The UBS small-business card portfolio options two journey playing cards and one cash-back card:

• The UBS Visa Signature Enterprise card, a journey card, has an annual charge of $0 and earns 1 UBS My Alternative Rewards level per greenback spent on all purchases.

• The UBS Money Rewards Visa Enterprise card, a cash-back card, has an annual charge of $150 and earns 2% money again on the primary $100,000 in eligible purchases annually, and 1% money again on all purchases after that.

• The UBS Visa Infinite Enterprise card, a journey card, has an annual charge of $550 and earns 3 UBS My Alternative Rewards factors for each greenback spent on air journey and resort stays; 2 factors for each greenback spent on workplace provides, transport, promoting and cable, Web and cellphone on as much as $200,000 in purchases per yr; and 1 level per greenback on all different purchases.

All three playing cards provide cost controls for approved customers, expense monitoring instruments and as much as 24 free worker playing cards upon request. In addition they include primary rental car coverage when renting for enterprise, a profit that’s invaluable and exhausting to seek out, and personal aviation advantages, which might get you upgrades and reductions on sure chartered non-public jets.

Of the three, the UBS Money Rewards Visa Enterprise card has the richest rewards — a flat 2% money again on all purchases, as much as a spending cap. If you may make good use of its main rental automotive protection or non-public aviation advantages, that is deal.

2. The journey playing cards provide essentially the most perks

Apart from providing main rental automotive protection and personal aviation advantages like the opposite playing cards, the UBS Visa Signature card boasts some spectacular journey extras for a no-annual-fee card, together with concierge service, advantages at luxurious lodges and most popular automotive rental charges. For vacationers in search of luxurious perks with out the value, that makes up for its modest rewards.

And naturally, as you’d anticipate, the cardboard with the very best annual charge of the three — the $550-a-year UBS Visa Infinite Enterprise card — comes with a raft of advantages and lavish facilities. Highlights embrace an annual $500 assertion credit score for a lounge membership to any airport membership, a complimentary Priority Pass Select Membership, a $350 home airline credit score, and a Global Entry or TSA Precheck assertion credit score.

Oddly, although, contemplating its $150 annual charge, the midtier UBS Money Rewards Visa Enterprise card provides far much less razzle-dazzle with regards to extras. With this card, you’ll get main rental automotive protection, non-public aviation advantages and a few fundamental perks, however not a lot else past that,

Commercial

NerdWallet score	NerdWallet score	NerdWallet score
Common APR  18.49%-24.49% Variable APR
Intro APR  0% intro APR on Purchases for 12 months		Intro APR  0% intro APR on purchases for 12 months from the date of account opening

3. You will probably must be a UBS shopper to get one

UBS small-business playing cards aren’t out there to everybody who has frolicked a shingle. In line with a UBS consultant, “UBS’ card program was designed to serve UBS purchasers and is marketed to UBS purchasers solely.”

If you do not have an present UBS relationship, you possibly can apply for a card by reaching out on to the agency by calling 866-UBS-VISA, however there isn’t any on-line software.

4. Redemption guidelines are advanced and doubtlessly expensive

First, the excellent news: If in case you have both the UBS Visa Infinite Enterprise card or the UBS Visa Signature card — each of which earn UBS My Alternative Rewards factors — you will get extra worth redeeming these factors for flights. (The UBS Money Rewards Visa Enterprise is a cash-back card, so it does not apply right here.)

Should you redeem 25,000 factors for airfare, you will get a ticket value as much as $350; or you possibly can redeem 50,000 factors and get a ticket value as much as $900. At these thresholds, factors are value both 1.4 cents or 1.8 cents apiece respectively, effectively above the trade customary of 1 cent every.

Now for the unhealthy information: To get these elevated redemption charges, it’s essential to use factors — and solely factors — to cowl the complete price of the ticket. Utilizing a points-and-cash combo continues to be an choice, however you will not get the elevated redemption charge that method. So when you’re trying to reap the benefits of this deal, hold the next in thoughts:

• In case your ticket prices greater than both $350 or $900, you will owe the distinction in factors; once more, you possibly can’t use money or a mixture of factors and {dollars}. And the redemption worth for that distinction in price will fall again to 1 cent per level.

• Worse, you possibly can pay that distinction solely in 5,000-point increments (which means $50 of ticket worth). So in order for you a airplane ticket that prices, say, $458, you will want 40,000 factors — 25,000 to cowl the primary $350, however then 15,000 extra to cowl the $108 distinction.

• If in case you have the UBS Visa Signature card, you will additionally owe a $25 reserving charge. (The UBS Visa Infinite Enterprise card does not cost this charge.)

The UBS Money Rewards Visa Enterprise card isn’t eligible for these sorts of journey redemptions; you will get both assertion credit score or a deposit into your UBS enterprise account.

5. Massive accounts get larger sign-up bonuses

Like most enterprise bank cards, the UBS playing cards all include welcome provides after assembly minimal spending necessities.

However holders of the UBS Visa Infinite Enterprise card and/or the UBS Visa Signature Enterprise card can increase these bonuses considerably if they’ve $250,000 or extra in belongings as purchasers. For particulars, contact UBS.

Examine Playing cards

NerdWallet rating	NerdWallet rating	NerdWallet rating
		Common APR 18.49%-24.49% Variable APR
Intro APR 0% intro APR on purchases for 12 months from the date of account opening		Intro APR 0% intro APR on Purchases for 12 months

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