ACS Visa Card GoldACS
Shopping
Gold

ACS Visa Card Gold

ACS

Overall Rating

1.5/5

Annual fee

CHF 100

Network

Visa

Rewards Type

Points

Welcome bonus

4 pts/1000CHF Points

Also good for

Cashback
Premium

Our Take on ACS Visa Card Gold

Your Swiss Finance Companion
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.

Best For: 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
Consider Alternatives If: 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)

PROS

  • 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

CONS

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

Card Details

At a Glance

Annual fee

CHF 100

Rewards rate

0.004 points/CHF

FX Fee

1.75%

Welcome bonus

4 pts/1000CHF Points

Apple Pay
Contactless payments
Airport lounge access
Visa

Fees & Costs

First year annual fee

CHF 100

Annual fee (after first year)

CHF 100

Foreign exchange fee

1.75%

Cash Withdrawal (Domestic)

4% (min CHF 10)

Cash Withdrawal (International)

5.75% (min CHF 10)

Late Payment Fee

CHF 30

Additional Cards

-

Rewards Program

Rewards type

Points

Base rewards rate

0.004 / CHF

Welcome bonus

4 pts/1000CHF Points

Insurance & Protection

Travel insurance coverage

No travel insurance

Medical insurance coverage

No medical coverage

Purchase protection

No purchase protection

Card Features

Card Network

Visa

Card Type

Gold

Currency

CHF

Minimum income requirement

No income requirement

Monthly spending limit

CHF 10'000

Airport lounge access

Airport lounge access available

Concierge service

Key Features

  • 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

Calculate If This Card Is Worth It for You

CHF 2'500/mo

= CHF 30'000/year

You Pay

CHF 100

per year

You Get Back

CHF 71

estimated value

Bottom Line

CHF -29

extra cost for perks

Annual calculation:

Rewards earnedCHF 1

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

Airport lounge access≈ CHF 70
Total benefitsCHF 71
Annual fee- CHF 100
Net valueCHF -29

Move the slider to see how your spending affects the card's value. Miles: 1.5 ct, points: 1 ct.

Rating by Category

Cashback

116 cards

2.5
#101/ 116

Top 87%

#116#1
View top cards

Premium

122 cards

2.3
#100/ 122

Top 82%

#122#1
View top cards

Shopping

31 cards

1.5
#30/ 31

Top 97%

#31#1
View top cards

Compare to Other Cards

Swisscard American Express BLUE

Swisscard American Express BLUE

Swisscard

1.8
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ACS Visa Card Gold

ACS Visa Card Gold

ACS

1.5
Apply now
Annual feeCHF 80
Annual feeCHF 100
Rewards rate-
Rewards rate-
Welcome bonus-
Welcome bonus4 points

Frequently Asked Questions

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.

How We Rated This Card

Wondering why ACS Visa Card Gold got its score? We rate Shopping cards using a weighted formula. Here's what counts:

Adjusted Reward Value (20%)
Partner & Voucher Ecosystem (20%)
Brand Shopping Alignment (15%)
Purchase Protection (12%)
Customer Satisfaction (10%)
Welcome Bonus (8%)
Network Acceptance (5%)
Fee Value (5%)
FX Fees (5%)

Same formula for every card in this category. No exceptions.

See our full rating methodology

Ready to Apply?

Apply for the ACS Visa Card Gold today and start enjoying its benefits.