UBS Bank USA UBS Visa Signature credit card | Consumer Financial Protection Bureau

Nationwide

Availability

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

Web

Phone

Did you know: This card is from a small bank, which often offer lower interest rates and could save you hundreds of dollars per year.

Purchase interest rate and fees

23.49%*

*As of Jun. 30, 2024. Advertised purchase APRs change over time. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score	Median purchase APR	Comparison to other cards
620-719	23.49%	2 dollar sign symbols Pay average interest
720+	23.49%	2 dollar sign symbols Pay average interest

After opening the credit card, the purchase APR is variable, meaning it can go up or down based on the index listed in the details below. Learn more about APRs in general and about fixed versus variable APRs.

Foreign transaction fee: None
Minimum finance charge: No minimum interest payment is required to avoid additional fees
Grace period: 30 days until interest begins to accrue on purchases
Balance computation method: Monthly interest is calculated based on your average daily balance including new purchases
Purchase APR index: The purchase APR varies depending on the value of the prime index

Learn more about how credit card interest is calculated.

Fees

$0

Late fee: $27 for the first late payment and $38 for a late payment within six billing cycles of another late payment
Over-limit fee: None
Returned payment fee: $27 (If your bank does not honor a check or direct debit you deliver to us, or we must return a check because it is not signed or is otherwise irregular, we may charge you a Returned Payment Fee.)
Returned check fee: $27 (If we return a Convenience Check (which includes a Balance Transfer Check or a Cash Advance Check) unpaid because it exceeds your available credit line at the time it is processed, your Account is closed or otherwise does not have charge privileges, you d)
Administrative charges: $5 (If you request photocopies of monthly billing statements, you will be charged $5 for each duplicate requested for each statement requested that is less than 25 months old. If the requested statement is 25 months or older you will be charged $10 for each r)
Expedited delivery/overnight fee: $35 (If you request any special services such as obtaining Cards on an expedited basis, you agree to pay our reasonable charges for such services, in effect at that time.)

Rewards and perks

Cash back and travel

Services

Access to Free Credit Scores
Automobile rental insurance
Discounts on purchases of goods and services (non travel related)
Extension on manufacturer’s warranty

Card features

Contactless Payments
Chip card
Fee-free foreign transactions
Mobile wallet provisioning (for example, Apple Pay)

Did you know: If you carry a balance on your credit card, interest and fees typically exceed the value of any rewards earned. Learn why rewards may not be as beneficial as they seem.

Balance transfer interest rate and fees

This card does not offer balance transfers.

Cash advance interest rate and fees

29.99%*

+

5% ($10 minimum)

*As of Jun. 30, 2024. Advertised cash advance APRs change over time. Check rates before applying.

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.