ACS Visa Card GoldACS
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ACS Visa Card Gold

ACS

Valutazione Complessiva

3.5/5

Quota annuale

CHF 100

Circuito

Visa

Tipo di Premi

Points

Bonus di benvenuto

4 pts/1000CHF Points

Buona anche per

Cashback
Premium

Il Nostro Parere su ACS Visa Card Gold

Il tuo compagno finanziario svizzero
Adrien Missioux
Adrien Missioux

Lounge access for CHF 100 annually. Most gold cards with Priority Pass charge double that.

The ACS Visa Card Gold offers something unusual: Priority Pass lounge access at budget pricing. At CHF 100 per year, it costs half what competing gold cards charge for similar lounge benefits. For ACS members who fly occasionally but don't want premium card pricing, this fills a specific niche.

Is CHF 100 Worth It?

Let's calculate. The Standard Priority Pass membership provides discounted lounge access at EUR 30 per visit. Walk-in rates typically run EUR 50-70. If you use three lounges annually, you save roughly CHF 60-120. Add that to the value of 4 KeyClub points per CHF 1,000 spent (double the Classic card), and the CHF 100 fee becomes reasonable.

Here's the catch: this only works if you actually use lounges. Many people get gold cards, never use the lounge access, and effectively overpay for a card they don't fully utilize. Be honest with yourself about whether you'll use this benefit before paying for it.

What Actually Stands Out

The CHF 100 annual fee is genuinely low for a gold card with lounge access. Most Swiss gold cards with Priority Pass charge CHF 150-200. ZKB, SGKB, and most cantonal banks charge CHF 200 for equivalent positioning. You're saving CHF 50-100 annually if lounge access is your primary requirement.

Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. The 1.75% FX fee is standard for Switzerland. Nothing exciting, but nothing to complain about either. The card functions well for everyday use. For a full breakdown of Priority Pass and LoungeKey cards, see our lounge access guide.

What Most Reviews Miss

No travel insurance at all. This is a significant gap for a gold card. Most CHF 100+ cards include at least CHF 10,000 trip cancellation coverage and some medical protection. The ACS Gold has none. If you need insurance, you'll pay separately (CHF 50-100 for basic coverage) or choose a different card entirely.

Also, the lounge access costs EUR 30 per visit. It's not unlimited or free. Cards costing CHF 200+ often include free visits. You're paying less upfront but more per use. For 2-3 annual visits, the ACS card wins. For 6+ visits, premium cards become more economical.

The Bottom Line

A well-priced option for ACS members who want occasional lounge comfort without gold card pricing. The complete lack of insurance is notable and unusual for this tier. If insurance matters, look elsewhere. Compare alternatives in our best premium credit cards in Switzerland guide.

Verdict: Good value for occasional travelers already in ACS. Budget for separate travel insurance if you need coverage.

Ideale per: ACS members who fly 2-4 times yearly and want lounge access, budget-conscious travelers who don't want to pay CHF 200+ for a gold card, those who already have travel insurance through work or other policies
Considera alternative se: you need integrated travel insurance (this card has none), you fly frequently enough that unlimited lounge access would be more economical, you're not already an ACS member (the membership fee changes the math)

PRO

  • 4 welcome bonus points
  • Airport lounge access
  • Apple Pay compatible
  • Contactless payments for convenient transactions
  • Earn 4 KeyClub points per 1000 Swiss francs
  • Discounted Priority Pass for airport lounges
  • 24-hour customer service support

CONTRO

  • No travel insurance
  • No medical coverage
  • No concierge service

Dettagli della carta

In sintesi

Quota annuale

CHF 100

Tasso premi

0.004 punti/CHF

Comm. FX

1.75%

Bonus di benvenuto

4 pts/1000CHF Points

Apple Pay
Pagamenti contactless
Accesso alle lounge aeroportuali
Visa

Commissioni e Costi

Quota annuale primo anno

CHF 100

Quota annuale (dopo il primo anno)

CHF 100

Commissione valuta estera

1.75%

Prelievo Contanti (Nazionale)

4% (min CHF 10)

Prelievo Contanti (Internazionale)

5.75% (min CHF 10)

Commissione Ritardo Pagamento

CHF 30

Carte aggiuntive

-

Programma Premi

Tipo di premi

Points

Tasso premi base

0.004 / CHF

Bonus di benvenuto

4 pts/1000CHF Points

Assicurazione e Protezione

Copertura assicurativa viaggio

Nessuna assicurazione viaggio

Copertura assicurativa medica

Nessuna copertura medica

Protezione degli acquisti

Nessuna protezione acquisti

Caratteristiche della Carta

Circuito della Carta

Visa

Tipo di Carta

Gold

Valuta

CHF

Requisito di reddito minimo

Nessun requisito di reddito

Limite di spesa mensile

CHF 10'000

Accesso alle lounge aeroportuali

Accesso alle lounge aeroportuali disponibile

Servizio di concierge

Caratteristiche Principali

  • Earn 4 KeyClub points per 1000 Swiss francs
  • Discounted Priority Pass for airport lounges
  • 24-hour customer service support
  • Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
  • Requires membership in acs

Calcola se questa carta ne vale la pena per te

CHF 2'500/mo

= CHF 30'000/year

Paghi

CHF 100

all'anno

Ricevi

CHF 71

valore stimato

In sintesi

CHF -29

costo extra

Calcolo annuale:

Premi guadagnatiCHF 1

CHF 30'000/yr × 0.004 points/CHF × 1 ct

Accesso alle lounge≈ CHF 70
Totale beneficiCHF 71
Quota annuale- CHF 100
Valore nettoCHF -29

Sposta il cursore per vedere il valore. Miles: 1,5 ct, punti: 1 ct.

Valutazione per Categoria

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3.5
#29/ 29

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#29#1
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2.5
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2.3
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Top 82%

#122#1
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Confronta con altre carte

Bonus Card Mastercard Exclusive

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Bonus

3.8
Richiedi ora
ACS Visa Card Gold

ACS Visa Card Gold

ACS

3.5
Richiedi ora
Quota annualeCHF 216
Quota annualeCHF 100
Tasso premi5 points/CHF
Tasso premi-
Bonus di benvenuto-
Bonus di benvenuto4 points

Domande frequenti

What does the Gold actually add over the ACS Visa Card Classic?
Two concrete upgrades: the KeyClub earning rate doubles to 4 points per CHF 1,000 spent (vs 2 on the Classic), and the monthly spending cap doubles to CHF 10,000 (vs CHF 5,000). Everything else (the ACS-membership-linked partner card, cash withdrawal fees, the late payment fee) is identical to the Classic.
How do KeyClub points work on the ACS Visa Card Gold?
You earn 4 KeyClub points per CHF 1,000 spent through the UBS KeyClub program. That's the Gold tier rate, exactly twice what the ACS Visa Card Classic earns. CHF 50,000 in annual spending puts 200 KeyClub points in your account. The higher rate only pays off if your annual spend justifies the upgrade.
Do I need to be an ACS member to get a partner card on the Gold?
Yes. Same policy as the Classic. The partner card is free but tied to your ACS partner membership status, not a standard supplementary card add-on. If your partner isn't already an ACS member, they would need to join to qualify.

Come abbiamo valutato questa carta

Ti chiedi perché ACS Visa Card Gold ha questo punteggio? Valutiamo le carte Shopping con una formula ponderata. Ecco cosa conta:

Voucher & Sconti (60%)
Tasso di cashback (20%)
Soddisfazione cliente (10%)
Rapporto qualità-prezzo (10%)

Stessa formula per ogni carta in questa categoria. Senza eccezioni.

Vedi la nostra metodologia completa

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