UBS credit and debit cards: for business and pleasure

Our credit cards offered by UBS Bank USA offer flexible travel benefits, exclusive rewards and the personalized service that you, as our client, have come to expect from UBS and your Financial Advisor¹. You can have the flexibility to access cash using CashConnect without cash advance fees to make purchases worldwide as long as there are sufficient funds available in the linked UBS Financial Services Inc. brokerage account².

A suite of business credit card choices, complete with valuable expense management tools and enhanced cardholder protections for your business¹

Do business your way

Reward yourself

Keep it simple

¹Benefits are subject to change and cancellation at any time. Certain conditions, limitations and exclusions apply. For more information on benefits, see ubs.com/cardbenefits.

²There must be sufficient funds to repay the cash advance that night or you will incur applicable cash advance fees and interest charges. The automatic transfers used to pay off your  CashConnect cash advances will reduce the available funds in your UBS Business Services Account BSA that is linked to your UBS credit card and as a result could affect other transactions dependent on cash, such as fee payments, investment purchases, online bill pay, debit card usage and outstanding checks. Please make sure that you have sufficient available funds in your UBS account linked to your UBS credit card to cover these items, as well as the  CashConnect cash advance. The  CashConnect feature is available only for cardholders who have the UBS credit card connected to a UBS Business Services Account BSA.

The UBS Visa Infinite Business card, UBS Visa Signature Business card and UBS Cash Rewards Visa Business card are business credit cards that must be issued to an individual or an individual with a business entity as a co-applicant As such, eligibility and the credit limit on the card is determined based on the personal creditworthiness and repayment ability of that individual. (If there is a business applicant it is also based on the business creditworthiness and repayment ability of the business.) Once the card is approved, repayment of all legitimate charges made on the card is likewise the obligation of that individual and any business co-applicant, if applicable.

*Important information about the UBS Visa Infinite Business card: 15.24% variable APR for purchases, 22.24% variable APR for cash advances, 29.24% variable APR for the penalty rate (maximum penalty APR 29.99%). For balance transfers, 0% intro APR for the first 12 billing cycles for balance transfers within 90 days of account opening; after that, 15.24% variable APR. APRs vary with the market based on the prime rate. Annual fee: $550. For balance transfers, a fee of $10 or 3% of the amount of the transfer, whichever is greater, applies. For cash advances, a fee of $10 or 3% of the amount of the cash advance, whichever is greater, applies. For residents of Puerto Rico only, the balance transfer fee and cash advance fee are equal to $2 or 2% of the amount of the transfer or advance, whichever is greater (maximum fee is $10). Foreign purchase transaction fee: Waived. Subject to credit approval. Information is accurate as of October 2020, and may have changed after that date. To learn what may have changed, please call 800-762-1000.

**Important information about the UBS Visa Signature Business card: 15.24% variable APR for purchases, 22.24% variable APR for cash advances, 29.24% variable APR for the penalty rate (maximum penalty APR 29.99%). For balance transfers, 0% intro APR for the first 12 billing cycles for balance transfers within 90 days of account opening; after that, 15.24% variable APR. APRs vary with the market based on the prime rate. Annual fee: None. For balance transfers, a fee of $10 or 3% of the amount of the transfer, whichever is greater, applies. For cash advances, a fee of $10 or 3% of the amount of the cash advance, whichever is greater. For residents of Puerto Rico only, the balance transfer fee and cash advance fee are equal to $2 or 2% of the amount of the transfer or advance, whichever is greater (maximum fee is $10). Foreign purchase transaction fee: 3% of each transaction in U.S. dollars. This fee does not apply to residents of Puerto Rico. Subject to credit approval. Information is accurate as of October 2020, and may have changed after that date. To learn what may have changed, please call 800-762-1000.

***Important information about the UBS Cash Rewards Visa Business card: 15.24% variable APR for purchases, 22.24% variable APR for cash advances, 29.24% variable APR for the penalty rate (maximum penalty APR 29.99%). For balance transfers, 0% intro APR for the first 12 billing cycles for balance transfers within 90 days of account opening; after that, 15.24% variable APR. APRs vary with the market based on the prime rate. Annual fee: $150. For balance transfers, a fee of $10 or 3% of the amount of the transfer, whichever is greater, applies. For cash advances, a fee of $10 or 3% of the amount of the cash advance, whichever is greater. For residents of Puerto Rico only, the balance transfer fee and cash advance fee are equal to $2 or 2% of the amount of the transfer or advance, whichever is greater (maximum fee is $10). Foreign purchase transaction fee: Waived. This fee does not apply to residents of Puerto Rico. Subject to credit approval. Information is accurate as of October 2020, and may have changed after that date. To learn what may have changed, please call 833-709-1790.

^†Important information about the UBS Visa Infinite credit card: 15.24% variable APR for purchases, 22.24% variable APR for cash advances, 29.24% variable APR for the penalty rate (maximum penalty APR 29.99%). For balance transfers, 0% intro APR for the first 12 billing cycles for balance transfers within 90 days of account opening; after that, 15.24% variable APR. APRs vary with the market based on the prime rate. Annual fee: $495. For balance transfers, a fee of $10 or 3% of the amount of the transfer, whichever is greater, applies. For cash advances, a fee of $10 or 3% of the amount of the cash advance, whichever is greater, applies. For residents of Iowa and Puerto Rico only, the balance transfer fee and cash advance fee are equal to $2 or 2% of the amount of the transfer or advance, whichever is greater (maximum fee is $10). Foreign purchase transaction fee: Waived. Subject to credit approval. Information is accurate as of October 2020, and may have changed after that date. To learn what may have changed, please call 800-762-1000.

^††Important information about the UBS Visa Signature credit card: 15.24% variable APR for purchases, 22.24% variable APR for cash advances, 29.24% variable APR for the penalty rate (maximum penalty APR 29.99%). For balance transfers, 0% intro APR for the first 12 billing cycles for balance transfers within 90 days of account opening; after that, 15.24% variable APR. APRs vary with the market based on the prime rate. Annual fee: None. For balance transfers, a fee of $10 or 3% of the amount of the transfer, whichever is greater, applies. For cash advances, a fee of $10 or 3% of the amount of the cash advance, whichever is greater. For residents of Iowa and Puerto Rico only, the balance transfer fee and cash advance fee are equal to $2 or 2% of the amount of the transfer or advance, whichever is greater (maximum fee is $10). Foreign purchase transaction fee: 3% of each transaction in U.S. dollars. This fee does not apply to residents of Iowa and Puerto Rico. Subject to credit approval. Information is accurate as of October 2020, and may have changed after that date. To learn what may have changed, please call 800-762-1000.

^†††Important information about the UBS Visa debit card: A fee of 3% of each purchase transaction in U.S. dollars and 2% on cash withdrawals is applied to all foreign purchases. Information is accurate as of October 2020, and may have changed after that date. To learn what may have changed, please call 800-762-1000. UBS Bank USA is not responsible for fees or surcharges merchants or banks may charge at the point of sale or counter for card usage.

The phone number for UBS Bank USA is 800-762-1000. New York residents may contact the New York State Department of Financial Services  by telephone or visit its website for free information on comparative credit card rates, fees and grace periods at 800-342-3736 or dfs.ny.gov.

UBS Bank USA is a subsidiary of UBS AG. UBS Bank USA, Member FDIC, NMLS no. 947868. UBS Financial Services Inc. is a subsidiary of UBS AG. Member FINRA/SIPC.

As a firm providing wealth management services to clients, UBS Financial Services Inc. offers investment advisory services in its capacity as an SEC-registered investment adviser and brokerage services in its capacity as an SEC-registered broker-dealer. Investment advisory services and brokerage services are separate and distinct, differ in material ways and are governed by different laws and separate arrangements. It is important that clients understand the ways in which we conduct business and that they carefully read the agreements and disclosures that we provide to them about the products or services we offer. A small number of our financial advisors are not permitted to offer advisory services to you, and can only work with you directly as UBS broker-dealer representatives. Your financial advisor will let you know if this is the case and, if you desire advisory services, will be happy to refer you to another financial advisor who can help you. Our agreements and disclosures will inform you about whether we and our financial advisors are acting in our capacity as an investment adviser or broker-dealer. For more information please review the PDF document at ubs.com/relationshipsummary.

The UBS Business Service Account BSA is a brokerage account. The UBS Business Services Account BSA is a registered service mark of UBS Financial Services Inc.

UBS Visa Infinite Business cards, UBS Visa Signature Business cards, and UBS Cash Rewards Visa Business cards are issued by UBS Bank USA with permission from Visa U.S.A. Inc.

2020-309736 (IS2006438, EXP 10/31/21)

© UBS 2021. The key symbol and UBS are among the registered and unregistered trademarks of UBS. VISA, VISA SIGNATURE BUSINESS and VISA INFINITE BUSINESS are trademarks and registered trademarks of Visa International Service Association and used under license. All other trademarks are the property of their respective owners. All rights reserved.