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Credit Card Comparison Switzerland 2026
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Credit Card Comparison Switzerland 2026
Points · Cashback · Travel – 5 Cards, 3 Partners
Lounge access, cashback or zero foreign fees — compare the right card for life in Switzerland.
45,000Welcome pts (Platinum)
1,550+Airport lounges
5Cards compared
CHF 0Annual fee year 1
Vetted partners · Swiss-focused · No credit check to browse
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✅ 3 Vetted Partners
📋 Factual Comparison
🇨🇭 Swiss-focused
🕐 Updated June 2026
5 Cards Compared – The Right Card for Every Type
Frequent flyers, cashback fans and expats — there is something here for everyone. Welcome bonuses are for new applicants only and can change at any time.
⭐ #1 PickPremium Card
Amex Platinum
American Express Switzerland
45,000
Membership Rewards points
as welcome bonus
- ✓Access to 1,550+ airport lounges (Amex Global Lounge Collection)
- ✓Travel & Lifestyle Service – flights, hotels, restaurants & events
- ✓CHF 100 SWISS flight credit per year
- ✓CHF 200 SIXT ride credit per year
- ✓Comprehensive travel insurance included
Annual feeCHF 900/year
Lounge accessFree & unlimited
Apply Platinum – Claim 45,000 Points →
#2 Pick
Amex Gold
American Express Switzerland
15,000
Membership Rewards points
as welcome bonus
- ✓Priority Pass – 1,800+ lounges in 130+ countries, 2 free visits/year
- ✓CHF 100 annual dining credit (CHF 25/quarter) at Swiss restaurants
- ✓Comprehensive travel insurance included
- ✓Mobile Pay (Apple Pay, Samsung Pay etc.)
Annual feeCHF 175 (Year 1)
From year 2CHF 350/yr from Year 2
Apply Gold – Only CHF 175 in Year 1 →
Free Year 1Membership Rewards
American Express® Card
Entry Card · Free Year 1
Free
Annual fee in year one
CHF 140/yr from year 2
- ✓Annual fee waived in year one (CHF 140/yr from year 2)
- ✓15,000 Membership Rewards points welcome bonus
- ✓No fixed spending limit
- ✓Travel insurance package included
- ✓Mobile Pay (Apple Pay, Google Pay)
Annual feeCHF 0 (Year 1)
From year 2CHF 140/yr from Year 2
Apply Free – Year 1 Annual Fee Waived →
CHF 0Cashback
Cashback Cards
Swisscard · Amex + Mastercard/Visa
5%
Cashback first 3 months
Up to CHF 100 welcome bonus
- ✓CHF 0 annual fee — always free
- ✓5% cashback for 3 months (Amex transactions)
- ✓1% cashback ongoing on all Amex payments
- ✓0.2% cashback on Mastercard/Visa payments
- ✓Apple Pay, Samsung Pay, Swatch Pay
Annual feeCHF 0 — always
Welcome bonusUp to CHF 100 cashback
Get Cashback Card – CHF 0 Fee →
No Credit Check
Swiss Bankers
Prepaid Mastercard – Travel Card
Zero
Annual fee
Zero foreign transaction fees worldwide
- ✓No credit check — instantly available
- ✓Zero foreign transaction fees worldwide
- ✓Load in CHF, EUR and USD
- ✓Accepted wherever Mastercard is accepted
- ✓Ideal for travellers, expats & new residents
Annual feeCHF 0
FX rateZero FX fee
Get Prepaid Card – No Credit Check →
📊 Full Side-by-Side Card Comparison
| Feature | Amex Platinum ⭐ | Amex Gold | American Express® Card | Cashback Cards | Swiss Bankers |
|---|---|---|---|---|---|
| Annual Fee | CHF 900/yr | CHF 350 (yr 2+) | CHF 0 (yr 1) | CHF 0 | CHF 0 |
| Welcome Bonus | 45,000 pts | 15,000 pts | 15,000 pts | CHF 100 cashback | — |
| Airport Lounge | ✓ 1,550+ | 2 free/yr | ✗ | ✗ | ✗ |
| Travel Service | ✓ T&L Service | ✗ | ✗ | ✗ | ✗ |
| Travel Insurance | ✓ Full | ✓ | ✓ | ✗ | ✗ |
| Cashback | ✗ | ✗ | ✗ | ✓ 1–5% | ✗ |
| No Credit Check | ✗ | ✗ | ✗ | ✗ | ✓ |
| Mobile Pay | ✓ | ✓ | ✓ | ✓ | ✗ |
Credit Cards in Switzerland – Common Questions Answered
Which credit card is best for travellers in Switzerland?
Two strong picks depending on travel style: the Amex Platinum Card gives unlimited access to 1,550+ airport lounges worldwide plus CHF 100 SWISS credit and CHF 200 SIXT credit annually — ideal for business travellers. The Swiss Bankers Prepaid Mastercard charges zero foreign transaction fees and needs no credit check — perfect for leisure travellers, expats and new arrivals.
Which card gives the best cashback in Switzerland?
The Cashback Cards by Swisscard are the standout choice: permanently CHF 0 annual fee, 5% cashback in the first 3 months on Amex transactions (up to CHF 100 welcome bonus), then 1% ongoing on all Amex payments and 0.2% on Mastercard/Visa. No other card on this page delivers permanent cashback with zero annual fee.
Is there a permanently free credit card in Switzerland?
Yes — the Cashback Cards by Swisscard carry a permanent CHF 0 annual fee and pay cashback on top. The American Express® Card is free in year one (CHF 140/yr from year 2) and includes 15,000 Membership Rewards points as a welcome bonus. Swiss Bankers Prepaid also has zero annual fee.
Can expats and new residents apply for a credit card in Switzerland?
Yes. The Swiss Bankers Prepaid Mastercard requires no credit check and no proof of income — you can apply immediately after arriving in Switzerland. For the American Express and Cashback Cards, a valid Swiss residence permit (B or C) and a Swiss address are sufficient — no long Swiss credit history needed.
What are 45,000 Amex Membership Rewards points worth?
45,000 points are worth approximately CHF 300–450 depending on how you redeem them. Frequent travellers typically extract the highest value by transferring points to airline miles programmes or booking flights via the Amex Travel portal. Points never expire as long as your card is active.
Cashback vs. points — which is better value?
It depends on how you spend. Cashback (Swisscard) is simple and always has a fixed value — great for everyday spending without thinking about it. Membership Rewards points (American Express) can deliver higher value for frequent travellers who actively redeem for flights and hotels. If you travel often, points win; if you want simplicity, cashback is the smarter pick.
⚡ Welcome Bonus: 45,000 Points = Up to CHF 450 in Travel Value
New applicants only · Bonus terms can change at any time · Apply now.
Claim Bonus Now – Offer May Change Soon →© 2026 justpick.ch · Independent Swiss credit card comparison · Not financial advice · Affiliate disclosure: we may earn a commission from Adtraction if you apply via our links. Data sourced from official websites.