All the features listed for the UBS Visa Signature credit card, plus: Earn 3 points per dollar spent on air travel, 2 points per dollar spent on gas and groceries and 1 point per dollar spent on everything else. No foreign purchase transaction fees. Unlimited number of ATM fee rebates in the U.S. (up to $10 per transaction). Enhanced travel benefits. Redeem points for anything you buy with the card.
Balance Transfer Fee: Either $2 - 10 or 2 - 3% of the amount of each transfer, whichever is greater (maximum fee: $10 - 250). Cash Advance Fee: Either $2 - 10 or 2 - 3% of the amount of each cash advance, whichever is greater. Foreign Transaction Fee: None. Penalty APR: 27.24% (variable). If your APRs are increased for any of the stated reasons, the Penalty APR may apply to your balances indefinitely.