BCV Visa SilverBCV
Cashback
Standard

BCV Visa Silver

BCV

Valutazione Complessiva

3.3/5

Quota annuale

CHF 100

1° anno: CHF 50

Circuito

Visa

Tipo di Premi

Points

Bonus di benvenuto

10,000 points

Buona anche per

Premium

Il Nostro Parere su BCV Visa Silver

Il tuo compagno finanziario svizzero
Adrien Missioux
Adrien Missioux

10,000 welcome points and trip insurance at standard CHF 100 pricing. Vaud's reliable Visa option.

The BCV Visa Silver offers Vaud residents a dependable silver card with Surprize rewards and trip protection. At CHF 100 annually, the pricing matches the cantonal bank standard, and the 10,000 welcome points effectively discount your first year by half. BCV also offers this on Mastercard with identical benefits, so your choice is purely about network preference. See also the BCV Mastercard Silver.

Is CHF 100 Worth It?

The 10,000 welcome Surprize points are worth CHF 50-100 in redemptions, cutting your first-year cost significantly. Ongoing, you earn 1 point per CHF 1 spent. On CHF 20,000 annual spending, that's 20,000 points worth roughly CHF 100-200 at good redemption rates.

The trip insurance covers CHF 10,000 cancellation and CHF 7,500 interruption for trips up to 90 days. A single covered cancellation on an expensive trip could return more than the card's lifetime fees. For anyone booking CHF 2,000+ trips, this protection has genuine value.

What Actually Stands Out

BCV delivers a predictable, no-surprises silver card that integrates seamlessly with existing BCV accounts. Card management, billing, and support all flow through the same banking relationship. French-speaking customer service matters for Vaud residents, especially when dealing with travel emergencies or disputes.

Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. The Surprize program is Switzerland's most widespread credit card rewards ecosystem. The 1.75% FX fee is standard. Everything functions reliably. Our credit card insurance guide compares coverage across all Swiss cards.

What Most Reviews Miss

No medical coverage at the silver tier. If you need protection against medical emergencies abroad (and you should, if you travel internationally), the silver card doesn't provide it. You'd need BCV's gold card (CHF 250,000 coverage) or standalone travel insurance.

Cantonal bank cards work best for existing customers. Switching to BCV solely for this credit card makes no sense. Dozens of equivalent silver cards exist at other banks. The value is the banking relationship and French-speaking service, not the card features themselves.

The Bottom Line

A solid silver card for BCV customers in Vaud. It delivers standard rewards and trip insurance without complexity. If you bank with BCV and want a reliable Visa with Surprize points, this is the natural choice. Compare alternatives in our best credit cards in Switzerland guide.

Verdict: Dependable and fairly priced. Choose this for simplicity if you're already a BCV customer.

Ideale per: existing BCV customers in Vaud wanting a reliable Visa rewards card, occasional travelers who value the CHF 10,000 trip cancellation coverage, those who prefer French-speaking customer service from their local cantonal bank
Considera alternative se: you don't bank with BCV (equivalent cards exist at every cantonal bank), you need medical coverage abroad (the silver tier doesn't include it), you want premium travel benefits like lounge access or substantial international protection

PRO

  • 10000 welcome bonus points
  • Travel insurance coverage up to CHF 10,000
  • Apple Pay compatible
  • Contactless payments for convenient transactions
  • 1 welcome bonus points
  • Travel cancellation coverage up to CHF 10,000 and trip interruption coverage up to CHF 7,500 for trips up to 90 days
  • Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)

CONTRO

  • No medical coverage
  • No airport lounge access
  • No concierge service

Dettagli della carta

In sintesi

Quota annuale

CHF 100

1° anno

CHF 50

Tasso premi

1 punti/CHF

Comm. FX

1.75%

Bonus di benvenuto

10,000 points

Copertura assicurativa viaggio

CHF 10'000

Apple Pay
Pagamenti contactless
Visa

Commissioni e Costi

Quota annuale primo anno

CHF 50

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 20

Carte aggiuntive

CHF 50/carta/anno • Fino a 2 carte

Programma Premi

Tipo di premi

Points

Tasso premi base

1 / CHF

Bonus di benvenuto

10,000 points

Assicurazione e Protezione

Copertura assicurativa viaggio

CHF 10'000

Copertura assicurativa medica

Nessuna copertura medica

Protezione degli acquisti

CHF 1'000

Caratteristiche della Carta

Circuito della Carta

Visa

Tipo di Carta

Standard

Valuta

CHF

Requisito di reddito minimo

Nessun requisito di reddito

Limite di spesa mensile

CHF 10'000

Accesso alle lounge aeroportuali

Servizio di concierge

Caratteristiche Principali

  • 1 welcome bonus points
  • Travel cancellation coverage up to CHF 10,000 and trip interruption coverage up to CHF 7,500 for trips up to 90 days
  • Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
  • 24-hour customer service support
  • No income requirement

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 480

valore stimato

In sintesi

+CHF 380

in tasca

Calcolo annuale:

Premi guadagnatiCHF 300

CHF 30'000/yr × 1 points/CHF × 1 ct

Bonus di benvenuto (1° anno)≈ CHF 100

10'000 points × 1 ct

Assicurazione viaggio e salute≈ CHF 80
Totale beneficiCHF 480
Quota annuale- CHF 100
Valore netto+CHF 380

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

Valutazione per Categoria

Cashback

116 cards

3.3
#41/ 116

Top 35%

#116#1
Vedi le migliori carte

Premium

122 cards

2.8
#62/ 122

Top 51%

#122#1
Vedi le migliori carte

Confronta con altre carte

BCV Mastercard Silver

BCV Mastercard Silver

BCV

3.3
Richiedi ora
BCV Visa Silver

BCV Visa Silver

BCV

3.3
Richiedi ora
Quota annualeCHF 100
Quota annualeCHF 100
Tasso premi1 points/CHF
Tasso premi1 points/CHF
Bonus di benvenuto10000 points
Bonus di benvenuto10000 points

Domande frequenti

BCV Mastercard Silver or Visa Silver: which to pick?
Both cards have identical core pricing, identical cash withdrawal rates, identical welcome bonus, and the same CHF 10,000 monthly spending cap in BCV's lineup. The published difference is the payment network and a small variation in supplementary card documentation. For everyday Switzerland use, both cards work essentially everywhere. Pick based on which network you prefer or which complements your existing cards better.
How much do supplementary cards cost on the BCV Visa Silver?
CHF 50 per additional card per year for separate statements, with up to 2 supplementary cards allowed. The published documentation for the Visa Silver lists only the CHF 50 separate-statement price (the Mastercard Silver sibling additionally documents a CHF 25 joint-statement option). If a joint-billing discount matters to you, confirm availability with BCV directly before applying.

Come abbiamo valutato questa carta

Ti chiedi perché BCV Visa Silver ha questo punteggio? Valutiamo le carte Cashback con una formula ponderata. Ecco cosa conta:

Tasso di cashback (50%)
Soddisfazione cliente (30%)
Rapporto qualità-prezzo (20%)

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

Vedi la nostra metodologia completa

Pronto a Fare Richiesta?

Richiedi la BCV Visa Silver oggi e inizia a goderti i suoi vantaggi.