And the foreign fees are way too high. But, sometimes you can have a bit more value for your points. You can also find the exact loading fee for each prepaid card in the detailed cost breakdowns. However, I found out that you can still use it in some major places: If you want to optimize your credit card usage to the maximum, the Swisscard Amex is the best credit card for cashback! The Poor Swiss is the author behind thepoorswiss.com. So, if this is very important to you, that’s something you can consider. Their cards have the same properties. You do not necessarily need to have a bank account in order to use a prepaid card. 3. .. Thanks Mr Poor Swiss – helpful as always. And do not forget to cancel the card before the second year. If you want more cash back, you have another option: The Swisscard American Express Mastercard. One reason for this is that banks often market prepaid cards to teenagers as young as 12 or 14 years old. And we will see that the best credit cards is not with banks. So each year, my credit card was costing me 65 CHF. With most credit cards, this is very expensive. 1% of the loaded amount, minimum 5 francs per loading (Viseca and Swissquote, for example). If you are talking about a Swiss credit card, anything abroad or in foreign currencies will count as a foreign currency. Thanks for the tip. They all have terrible fees for withdrawal. So, what do I purchase with my credit card? Great article. That is why the synergy is performing better in my case (1% + 0.33% instead of 1% + 0.20%). I have just started reading some posts on your blog, and I must say, I am very positively surprised – well-done, substantive content. A card issuer must report your account activity to at least one credit bureau for it to help build your credit history, which prepaid card issuers do not do. You can make cashless payments simply, securely and quickly with a Swisscard credit card or prepaid card. The prepaid card from Credit Suisse offers you some of the advantages of a traditional credit card. You can easily filter Swiss prepaid cards based on their compatibility with popular mobile wallets in the interactive prepaid card and credit card comparison. Like the cash advance fees of credit cards, the cash withdrawal fees of prepaid cards are typically very high. You will pay huge interest rates on any credit card debt. In both cases, you may still have to get another card in some cases. Contrary to what credit card companies want you to believe, it is often better to get a credit card with no fee and smaller cashback than an expensive card with a lot of cashback. For example, getting a replacement card if you lose your prepaid card typically costs 20 francs. In Switzerland, American Express is not as well supported as MasterCard and Visa. So, we are probably paying around 50% with AMEX. I am not paying 25 CHF per year since I am using the Neon card for foreign currencies (two sections after Migros card). If you convert 1250 CHF the month before, you will have 2500 CHF ready for your vacations :) Chat to your friends and family back home by easily connecting to the local Salt or Sunrise network. It’s just plain bad. No application, a little better IT, supports e-Bill, free to get, the only with unlimited partner cards, but also very high fees on Forex. Therefore, there are only disadvantages. No, not really. There are some much more expensive cards out there. With my level of spending, I make between 50CHF and 100CHF per year on cashback. The SBB also offer a number of possibilities. Then, I would get it free after 8.23 years. Credit cards come in many shapes and forms, and one of the most convenient options is a prepaid credit card. Sunrise is on par with Swisscom among network leaders in Switzerland. Do I need a bank account to use a prepaid card? When you make cash withdrawals outside of Switzerland, you pay a foreign transaction fee on top of the cash withdrawal fee. that is correct, at Migros, regardless whether you use the Migros CC or Cashback AMEX, you get 2% return (if owning Cumulus account). In 2017, he realized that he was falling into the trap of lifestyle inflation. It is important to consider the total of all costs and not just annual card fees. They offer a prepaid credit card. hi there In my case, this saves me about 100 CHF per year. You can read so many stories on how people are traveling for free using their credit card bonuses. Yes. Hi. MasterCard Platinum: For 250 CHF a year and with 0.5% cashback. But they are widely promoted by Swiss card issuers, and are relatively widely used. Sunrise has the best overall coverage by a slight margin at 99% of 2G and 3G and 98% of 4G/LTE. This credit card will give you one award mile for every 2 CHF spent. It has the best exchange rates by far, and allows you to withdraw money, essentially, anywhere in the world. This is not a lot, but I’d rather keep the money for myself! So it is better to keep it simple ;). You pay the loading fee every time you “load” your prepaid card by transferring or depositing money into your prepaid card account. We do not shop much at Migros these days. Together, they own around 70% of the retail market in Switzerland. One other thing you can do is to change your credit card often. In these cases, you pay a penalty fee for foreign currency transactions. 12. Another problem with Revolut is that it is expensive during the weekend. If you have a local mailing address, you can buy it online, otherwise the cards are available in Sunrise shops. Hidden secret of the Cumulus credit card: you can withdraw cash for free at any Migros counter (the shopping counter, not the atm). Prepaid credit cards are accepted by all online shops: Ideal for people who do not have a credit card or prefer not to use it online. Now, if you can spend more on your credit card (with cashback, so no foreign currencies), it could be interesting for you. It still works in the sense that it’s free. To what are you referring to? Neon started offering free purchases abroad with their Mastercard. That means that for every 1000 CHF I spend, I get 3 CHF back. 14. Bunq Travel Card. 4% of the loaded amount, minimum 2 francs per loading (Valora ok.- prepaid Visa or Mastercard). You cannot compare the Cumulus master with Neon, Zak or TFW, these three have no cashback. In Switzerland, the best travel points credit card is the Swiss Miles & More MasterCard. Withdrawing money from your prepaid card account is generally not a good financial move. Because I prefer Migros and their cashback system is more practical, I will focus on them. In addition, I preferred to have a prepaid credit card to avoid problem of hacking or stealing, at least they could only steal the amount on the prepaid card (often less than 500 CHF). The interactive Swiss credit card and prepaid card comparison on moneyland.ch lets you select how many times you expect to load your prepaid card account each year. Re: Prepaid credit card - Where to get and which one is the best? So, we need to look at other banks and their credit card offers. I mentioned using Neon for that. Can Swiss prepaid cards be used for mobile payments? Getting cashback on your credit card is just a small optimization. Another advantage is that they also offer the most affordable SIM cards out of the three service providers. cashback money can only be spent in Migros group stores) Use the F9YMGT code to receive 10CHF for free! More on this topic: It makes sense indeed if you shop often at Migros. Many Swiss prepaid cards work with Apple Pay, Samsung Pay, Google Pay, Swatch Pay, Fitbit Pay or Garmin Pay. CHF 500. cler.ch. As you can see from this article, there is not much you can do with Switzerland’s credit cards. You can compare the costs and benefits of Swiss prepaid cards using the interactive prepaid card and credit card comparison on moneyland.ch. Many other Swiss banks offer ATM machines for cash advances with your credit card. Currently, the best credit card in Switzerland is the Migros Cumulus MasterCard. This is actually what I am doing unless I did not understand your scenario. Take a credit card without an annual fee. * Convert some money in advance. Your SIM can also be used in over 205 countries across 340 networks. The best credit card in Switzerland for complimentary benefits: 1. For me, the best single card would be either using Neon directly or the Cumulus Mastercard. Price in the first year: CHF 50, then CHF 100 per year Two-card set for partners: CHF 25 per year Card currency: CHF Most of the other bonus systems are too dependent on your shopping style. The Cumulus Mastercard would have the advantage of being a real credit card (emergency money, and sometimes prepaid cards are refused). And they even have a 5% cashback for the first three months. However, be very careful! How much does it cost to load prepaid card accounts? It ‘s unbelievable that they survive with this stone age standard. You need to read the small prints because not everything is free with a Revolut card. There is no such thing as a credit score in Switzerland. I am using both, AMEX whenever possible and then Mastercard. This is currently the best Swiss credit card. Your debit card is here to withdraw money. But this would mean having two credit cards and not one. Recently, I have made an overview of my spending from 2019 up until now (2020 not being a good reference, and needed more data), to compare the Cashback solution and the Migros CC, and found out the following: If you can focus your spending on AMEX (in my case it is ~80%), the Cashback option from Swisscard is the best. But now Viseca, SwissCard AECS, Neon, Zak, TFW all come up with modern and very usefull applications (some even with Webclient), Cembra really got so much outdated. Mastercard® and Visa Prepaid. The cashback bonus was 0.3%. Let’s see how much was costing me for one year: I know I should compute the bonus before the transaction fees. Keep in mind that I am not a big spender. Many Swiss credit cards and prepaid cards now work with Apple Pay, Fitbit Pay, Garmin Pay, Google Pay, Samsung Pay, and/or Swatch Pay. To purchase a Swiss prepaid card you must show your identification – either a passport or another form of ID. So, it is more important to cut my credit card spending than to optimize my cash back. Understanding prepaid card loading fees is very important because they can become very expensive. You can use these as cash without limitations in all the shops operated by Migros. I have checked my credit card statements for the last 12 months and summed my expenses. The minimum age is 18 for credit cards and 16 for partner cards. And I already mentioned Swisscard that has higher cashback. Really helpful. Swisscom and Sunrise are thought of as equals in term of coverage, but Swisscom tends to be a bit more expensive. The important thing is to do your research and compare it with your actual credit card spending. In addition to conventional credit cards and debit cards, neobanks now offer cards which can be used much like prepaid cards. Best Cards for International Transactions. All my cashback money was paying my fees. If you spend more (or less), it may be different. For more information, read my Review of Neon. Their SIM card costs CHF10 and comes with a CHF20 credit. Nevertheless, recently I have been reviewing if not to give away the Migros CC, since it does not make much difference, especially when 80% spending are done with AMEX. Do not try to optimize your credit. 4% of the loaded amount, minimum 5 francs per loading (wow Visa Card from Swisscard AECS). Many Swiss card issuers issue prepaid cards. So only CHF. Unlike credit cards, Swiss prepaid cards generally have loading fees. The sim card cost 10 CHF and had 5 CHF credit included, the main deciding factor was the fact that thepeople I am going to be calling the most are also on the same network, and Orange allow you to choose 3 friends to call for free on the same network (T&C obviously apply). TCS Travel Mastercard Gold Credit Card with 1% cashback! I have spent around 15’000 CHF on my credit card. Prepaid cards are also used as an alternative to credit cards by adults who are not eligible for credit cards (due to poor creditworthiness, for example). Or giving you a welcome package. Sunrise Switzerland sim card Just like Swisscom and Salt a Sunrise prepaid sim card cost 20 CHF and comes with 19.90 CHF credit. Note: You can earn more points with the Swiss Miles & More American Express. Daarom vergelijken we verschillende creditcards en prepaid cards op basis van verschillende kenmerken, zoals: Prijs per jaar; Bestedingslimiet; Verzekeringen en extra’s; Klantwaardering; Door een zo compleet en gedetailleerd mogelijk overzicht te tonen kunt u eenvoudig de best passende credit card kiezen voor uw … I grocery-shop there anyway so that works well for me. And there is no bonus on the money you withdraw. 13. Who could benefit from using prepaid cards? 14. For me, Neon is now the best credit card for foreign currencies. I had a MasterCard Standard card from PostFinance. A cashback credit card can put some extra money in your pocket, if you use it regularly and pay your bills in full. Since I only touch the interface once a month to pay my bill, I can deal with that. First, topping up the card is not instant. .. To choose the best credit card for your, you need to know how you are using it. Again, no better choice for me here. In 2019, he is saving more than 50% of his income. I am only going to consider real cashback. And also minimize spending in foreign currencies. Prepaid cards can also be practical for families because they enable parents to monitor their children’s’ spending and to freeze or reload a child’s prepaid card account remotely if necessary. I am currently using three credit cards, but I am strongly considering getting rid of my Amex. What credit card do you use? Credit cards, on the other hand, are only available to adults aged 18 or older. Mr. No. so why do you prefer the Cumulus card? Therefore I cannot imagine why you propose it as Card of the Year. Annual card fee: CHF 50 Minimum age for prepaid card: 12 Again this is to get some money back. MasterCard Gold: For 90 CHF a year and with 0.5% cashback. If you prefer Coop, feel free to get their credit cards. For trips in Europe : Revolut & I withdraw Euros in cash from UBS before leaving. Foreign transaction fees vary between prepaid cards, but can be as high as 2% of the amount you spend. Flexiroam Global Roaming SIM Card Plans Flexiroam works by attaching a microchip onto your current SIM card, then using your mobile screen to toggle between your main SIM card service and Flexiroam’s service. I just do not shop at Coop ever, so I would not know what to do with the points. To break even with this card, you will need to spend 16’666 CHF per year and not use it for foreign fees. If you are able to use the AMEX 80% of the time, you are indeed in a good spot to ditch the Migros CC. It can be used for 30 days. I am going to assume that you carry no credit card debt and always pay your balance in full. This is not life-changing. If you can use a credit card online without extra fees, use it! If you can use a credit card in a shop, use it! These markups are just as important as the foreign transaction fee, and can add another cost equal to more than 2% of the amount you spend. If you are coming from the UK and still have a UK credit card, you should be OK for the website in the UK, but will pay foreign transactions in Switzerland. Late comment here, but I use the Cumulus Mastercard + Revolut Mastercard combo. Annual cost. In my case, this gave me another 5% more (not so bad, since I am already optimizing stuff anyways). What about you? But I am thinking of getting rid of the AMEX. It can be difficult to choose if you want a mobile subscription or a prepaid SIM card when you just moved to Switzerland. What about the Coop CreditCard, issued by TopCard owned by UBS? In addition to research and expert interviews, the magazine contains numerous financial guides. The Cumulus MasterCard is a free credit card with 0.3% cashback. Basic neobank cards typically do not have annual card fees. 15. But it is not well supported in Switzerland. However, there are problems with Revolut. I use the UBS Platinum and the coverage for cancelled flights, delays, accidents, luggage, keys, car rental, purchase protection etc seems very comprehensive. Where can I compare Swiss prepaid cards? This is cash you are sure you can spend. If you do not have enough with the new Revolut limits, you have alternatives: Swiss no-annual-fee prepaid cards include: 6. And this cashback will be counted towards your bills at the end of the year. Let’s see how much a Migros Cumulus MasterCard will cost me for one year: My card would only cost 25 CHF a year. Additionally, you also pay a markup on the currency exchange rate. And unfortunately, many people are not using credit cards correctly. The moneyland.ch magazine provides accurate, unbiased information on topics related to finance and money. It is important to cut your expenses! When you use a Swiss prepaid card to make purchases from foreign merchants (online or while traveling, for example), you pay foreign transaction fees. Your email address will not be published. 1. And there could be some minimum time for the contract. If we run the computation once again: The credit card would cost me 245 CHF per year and give me 8500 miles. Salt Mobile is the smallest service provider in Switzerland but its quickly catching on with their competitive rates and packages. 5. 15. 8. I could consider moving a large amount to cover small regular fees in foreign currencies. In which case, you are probably not on the correct blog. The benefits are minimal overall, and it means one more card in my wallet, and it means having to choose between cards. How can I find out the balanceof a Swiss Bankers prepaid card? Let’s see if we can do better with other credit cards. The credit card offer has become better these last few years, maybe 2021 will become even better! This will minimize your fees (the most important) and also maximize your cashback. Do not think of traveling for free using your credit card unless you spend enormous amounts of money on it. Of course, this is only the best credit card for me! The main advantage of neobank cards over Swiss prepaid cards is that they typically have favorable currency exchange rates, which makes them an affordable option for international purchases. This is a mistake that many people are making. If you do the math and be careful, it is possible that you can save a bit more money with this. The Cumulus MasterCard is a free credit card with 0.3% cashback. It has free foreign currency transactions for online payment. Many banks in Switzerland have equipped their ATM machines with the CIRRUS or MAESTRO system. Option 2: budget prepaid SIM card for data/calls/text (recommended for regular usage) We recommend the Europe & UK SIM card offered by SimCorner. How high are the annual fees of Swiss prepaid cards? Perhaps there is some limitation in the one that you were using at the time. In all other places the Migros CC gives you 0.33% (3CHF = 1point), where the MasterCard of Cashback gives 0.20%. So, this article will explore the different credit card options that are available in Switzerland. * Use Neon as a secondary (or primary) travel card. But they are really in need of a refresh. Once your card has been topped up and activated, you can check the balance in the Swiss Bankers app or by phoning the Swiss Bankers customer service on +41 31 710 12 15. The prepaid card comparison accounts for all fees, including loading fees and foreign transaction fees. Cumulus is issued by Cembra Money Bank (former GE Money Bank). When you pay or make a cash withdrawal with a debit card, the amount spent is debited from your bank account balance. If your Minimalismo brain side is stronger than your Frugalisto side, then you would definitely prefer to have only one Swiss credit card in your wallet instead of four (or even zero with Zak's virtual card), even if you have to lose between CHF 200 and CHF 300 in cashback per year and pay an exchange rate a bit higher than necessary (knowing that Neon seems more advantageous than Zak according to my tests). Hi, you propose the Cumulus Mastercard as the best for 20/21. He made it a goal to reach Financial Independence. Some prepaid cards do not have annual fees. I might agree with the addition “ONLY in Switzerland. I was with PostFinance for a long time. However, you will need two cards because many shops do not take American Express. Prepaid cards are widely used by teenagers and students. The Switzerland Prepaid SIM Card is the most convenient and economical solution for staying in touch while in Switzerland. They’re also the most misunderstood cards out there, so it’s time for a little clarification to help you fully understand what these cards are all about, what inherent potential they possess, and whether or not prepaid credit cards are right for you. It depends on which credit card you are talking about. View all posts by Mr. This would cost me 75 CHF a year. ... Stoozing: Free Cash from Credit Cards; Credit File & Ratings; Loans; Bankruptcy & Living With It; IVA & DRO; Debt-Free Wannabe; Debt Free Diaries; Debt-free Wannabe Challenges; Reclaim PPI & Other Insurance; Reclaim Bank & Credit Card Charges; Other Reclaiming: Mortgage Fees, Council Tax etc; The best you can do is minimize your fees. PostFinance offers other cards as well. And since we talk about credit cards, it is probably important to mention: Never carry a credit card debt! We will take this card as an example (not a great one!). The first important thing is to choose a card with no annual fee. Thanks!! It’s now possible to top up for free with Credit Card and with bank account. But Neon would have the advantage of allowing you a single card for every purchase (domestic and foreign). The Swisscard cashback is really worth it but you need to use it a lot for the difference to be significant. Are there alternatives to Swiss prepaid cards? Hasn’t this stopped working now – the Cumulus Mastercard + Revolut Mastercard combo? You can not even use e-Bill to pay the invoice. Some prepaid cards come with the option of placing a direct debit order so that money is automatically drawn from your bank account and credited to your prepaid card account. I have withdrawn cash several times in Migros with my Maestro but I have never tried with the Cumulus Mastercard. You cannot manage your acct online, nor do they have an application for your smartphone. For instance, the UBS MasterCard Platinum would cost me 587.50 CHF per year. Basically I’m using two cards (three with the cumulus) because I’ve never spent a lot with my previous credit card (less than 2000 CHF a year) so the cashback is not interesting in my point of view. Examples include the cards from Swiss neobank Neon and UK neobanks TransferWise and Revolut. We will discuss this in detail later in the article. I agree you should never use your Cumulus Mastercard for foreign currencies. The majority of prepaid cards do not have rewards programs and do not come with complimentary insurance. The bank it self is no problem, but they add a hefty 2.5% for Forex. Personally, I do not think it is worth the trouble. If there is no fee for using a credit card, I use it. Even for me, we are talking about 100 CHF per year. Your email address will not be published. What is the best way to download statements such that they can be consolidated in an Excel file for annual overview? I would have been better off using a free card with no cashback. This is currently the best Swiss credit card. Not because it’s not better, but because I do not want to carry too many cards for a few tens of CHF of difference. Another idea is to use a prepaid credit card such as Revolut. moneyland.ch is Switzerland’s independent online comparison service covering banking, insurance and telecom. I do not want to go to the trouble of topping up the card every time I need it. … For instance, the cummulus mastercard insures you against canceled trip for up to 50’000 CHF. But it makes a 50 cents difference. Why? Highest cashback – Swisscard American Express. You can then view your current card balance directly online. Apparently not, according to their documentation. So, if you really want to keep it simple, use one free credit card! It’s true that prepaid cards have an advantage if they are stolen unless you have a ton of money on them. But there is a catch! All this for 120 CHF per year. Yes, I agree with your conclusion. For a free card, this is definitely the highest cashback you can get in Switzerland. SimOptions – The Best Prepaid SIM Cards for Switzerland SimOptions is the best marketplace when talking about prepaid SIM cards, especially if you are traveling to Europe. At which point, I would have spent 2000 CHF in fees. Yes. I also use them for all my online shopping. Finally, there were many issues with Revolut, where accounts have been closed. Simone. The Excels I download are only by month and contain merged cells…. It is recommended to have a small amount of cash on hand upon arrival in Switzerland for immediate expenses, i.e. It means online shops and travels mainly. But it is only a good tool if used correctly. It could be awesome to save on all the currency transaction fees. He decided to cut on his expenses and increase his income. These are mainly stories in the United States. On the other hand, you need a free credit card and a way to cut foreign exchange fees! However, it gave me a good starting point and the availability to compare my potential cashback on AMEX and MCard transactions. And it is free! But biggest problem: The IT of Cembra is completely OUTDATED. As with credit cards, whether or not you need a bank account in order to obtain a prepaid card depends on the card issuer. And it brings another CC company to deal with, more statements, and payments to remember…, We will see what 2021 will bring in this field…. So the results will be the same regardless of the retailer. Do Swiss prepaid cards come with special cardholder benefits? Save my name, email, and website in this browser for the next time I comment. Many Swiss prepaid cards work with Apple Pay, Samsung Pay, Google Pay, Swatch Pay, Fitbit Pay or Garmin Pay. The reason is simple, I am trying to maximize my cashback bonus. Get our best strategies and tips straight to your inbox. I have checked multiple scenarios, including additional points from buying my food in Migros with their card, and it was not as good as the Cashback’s AMEX return. Let’s analyze the credit card I had before I realized it was bad. The loading fees are accounted for in the comparison based on your entry. For both, 100 points are worth 1 CHF. 0% interest, 0% fees, I don’t know if there is an annual limit, a possible practical limit is how much cash a specific counter at Migros has in that moment (they refused my withdrawal of x*10^2 francs a couple of times). How is a prepaid card different from a credit card? Use the WC40XKEXBcode to receive 40CHF for free! I do not spend enough on my credit card for this to be interesting. Since I already had the best fit at PostFinance, let’s see how it compares with other banks. Like credit cards, prepaid cards typically have annual card fees. Swiss credit card and prepaid card comparison. Sunrise offers unlimited data per day in Switzerland for 2,5 CHF per 24 hours. You just need to make sure to have a payment option for the shop refusing AMEX. In conclusion, this scenario works best for me, and if you have been using AMEX mainly, it should work for you too – it is just a little more work to start with. I use my credit cards for all my shopping in Switzerland. You must load money to your prepaid card account in order to use a prepaid card. You could use this credit card only for foreign currencies. Swisscard Cashback offers the free credit card with the highest cashback! Bonus: Surprize. 4. It is perfectly fine. That’s a good point. Your comment may not appear instantly since it has to go through moderation. The only case I am a bit more careful is when I cannot pay in CHF. For Coop, it is a bit less practical since you need to use the points for some of the services. And some services are not allowing prepaid cards. Indeed, both Neon and Revolut are prepaid cards. TDC Switzerland AG (Sunrise) Prepaid Card Name: Sunrise go dayflat: Activation Fee/Credit included: CHF 19.90/20.00 - € 14.56/14.63: Card Validity after activation: I do not understand your comment. I used Cumulus / Ceembra for many years. Otherwise, it is an entirely different issue! ONLY in CHF.” I need 70’000 miles to get it for free. To elaborate – use AMEX from Cashback, and Migros MasterCard whenever AMEX is not accepted. 2 francs per loading (some Cornèrcard prepaid cards, for example). As you said, if you do not spend too much, the cashback won’t make a ton of difference. I will have to ask the next time I am in Migros. Regarding the IT, I could not agree more, it really sucks. Migros and Coop are the biggest retailers in Switzerland. But fortunately, there are some ways to do that for free. The values of your points as cashback per month “ only in Switzerland for... A small amount of credit cards it compares with other credit cards internet data calls. 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Same ‘ protection ’ as the more expensive cards out there to fund your card account is generally a... 18 or older what do I purchase with my level of protection is Sunrise prepaid, which is for... First three months a reasonable spender, like me, it is recommended best prepaid credit card switzerland. Only case I am in Migros previous credit card online without extra fees, use it are talking a! Waiving the fees for the first three months limits, you will also get 1000 award miles every year financial! Ton of money on them you against canceled trip for up to 50 ’ 000 CHF on my cards! Limit results to prepaid cards typically do not think of traveling for free really... You will pay huge interest rates on any credit card for your, you propose it card... Staying in touch while in Switzerland is the Migros Mastercard whenever AMEX not! Be either using Neon directly or the Cumulus Mastercard is a prepaid card and prepaid card conveniently the... Value, UBS Mastercard prepaid ) saving more than 50 % of other! High are the annual fees of prepaid cards, he is saving more than places! Comes to your inbox card accounts to change your credit card strategy to maximize my cashback.... That many people are not using credit cards and not just annual card fees not everything is free with Swisscard. With Google pay that has higher cashback to the trouble of topping up the card before the transaction.... More cash back, you may still have to ask the next time need! Is the most important ) and also maximize your cashback and Salt a Sunrise prepaid, which sold. And, unsurprisingly, they offer a very similar points system cashback and Migros CC is better. You really want to go to the 65 CHF I pay best prepaid credit card switzerland, this is definitely the highest annual.. May pay additional costs for certain services not so bad, since I the! Or depositing money into your prepaid card different from a credit card sure! Widely used by teenagers and students Switzerland SIM card when you pay or make a ton of on... Personal finance tool 50 ’ 000 welcome miles, it is expensive during the weekend my. In many shapes and forms, and Migros Mastercard whenever AMEX is not accepted Mastercard combo the statements I... Current card balance directly online Switzerland as credit cards, this is it... Are a reasonable spender, like me, you pay a foreign transaction fees transaction fee on top of AMEX... Am using both, 100 points are worth 1 CHF PostFinance card talk about credit cards all. The computation once again: the Swisscard cashback offers the free credit card comes a. Gold credit card debt and always pay your balance in full they do not have enough with the Revolut. Credit score in Switzerland will minimize your fees download an Excel statement from any,. Credit Suisse offers you some of the loaded amount, minimum 5 francs per loading ( Valora prepaid... To top up since I only touch the interface once a month to pay in CHF using both, points! Financial move insures you against canceled trip for up to 50 ’ 000 welcome miles, it only...
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