We analyze 100+ Swiss credit cards across 50+ data points. Here's exactly how our weighted scoring system works, what factors matter most, and why we keep rankings independent from partnerships.
Most comparison sites won't tell you how they rank products. We think that's a problem. Here's exactly how we score every credit card in Switzerland, what factors matter, and why some cards rank higher than others.
Every card gets rated on a 0-5 scale across 6 categories. Each category uses a different weighted formula because what matters for cashback cards isn't what matters for travel cards. Simple as that.
One card can rank #1 for cashback and #50 for travel. That's not a bug, it's the point. Different spending patterns need different cards. Here's how we weight each category:
Every fee, rate, and benefit comes from official sources. When banks update their terms, our rankings update too. No stale comparisons sitting around for months.
Same evaluation framework for everyone. No special weighting for partners, no adjustments based on who pays us. A card from UBS gets judged exactly like a card from a small fintech.
You shouldn't have to translate bank jargon. Our filters work with real questions: How much do you spend abroad? Do you travel for work? What's your monthly card spending?
Every score breaks down into explainable factors. You can see exactly why a card ranks where it does. No black-box algorithms, no mystery sauce.
Here's the uncomfortable truth most sites won't admit: affiliate money can bias rankings. We keep monetization completely separate from evaluation. Bad products rank low, partner or not.
Swiss banks change their products. Regulations shift. We update our methodology when the market does. No "set and forget" comparisons that get stale.
Some cards fit certain categories perfectly. A Miles & More card gets a boost in travel rankings. A CHF 300/year card gets penalized in student rankings. These adjustments reward good fits and flag mismatches.
We score cards based on what actually matters for each use case. Cashback seekers care about return rates. Travelers need insurance. Students want low fees. Our weighted formulas reflect these real priorities, not marketing buzz.