BCV Visa SilverBCV
Cashback
Standard

BCV Visa Silver

BCV

Overall Rating

3.3/5

Annual fee

CHF 100

1st year: CHF 50

Network

Visa

Rewards Type

Points

Welcome bonus

10,000 points

Also good for

Premium

Our Take on BCV Visa Silver

Your Swiss Finance Companion
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.

Best For: 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
Consider Alternatives If: 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

PROS

  • 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)

CONS

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

Card Details

At a Glance

Annual fee

CHF 100

1st Year

CHF 50

Rewards rate

1 points/CHF

FX Fee

1.75%

Welcome bonus

10,000 points

Travel insurance coverage

CHF 10,000

Apple Pay
Contactless payments
Visa

Fees & Costs

First year annual fee

CHF 50

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 20

Additional Cards

CHF 50/card/year • Up to 2 cards

Rewards Program

Rewards type

Points

Base rewards rate

1 / CHF

Welcome bonus

10,000 points

Insurance & Protection

Travel insurance coverage

CHF 10,000

Medical insurance coverage

No medical coverage

Purchase protection

CHF 1,000

Card Features

Card Network

Visa

Card Type

Standard

Currency

CHF

Minimum income requirement

No income requirement

Monthly spending limit

CHF 10,000

Airport lounge access

Concierge service

Key Features

  • 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

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 480

estimated value

Bottom Line

+CHF 380

in your pocket

Annual calculation:

Rewards earnedCHF 300

CHF 30’000/yr × 1 points/CHF × 1 ct

Welcome bonus (1st year)≈ CHF 100

10’000 points × 1 ct

Travel & medical insurance≈ CHF 80
Total benefitsCHF 480
Annual fee- CHF 100
Net value+CHF 380

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

3.3
#41/ 116

Top 35%

#116#1
View top cards

Premium

122 cards

2.8
#62/ 122

Top 51%

#122#1
View top cards

Compare to Other Cards

BCV Mastercard Silver

BCV Mastercard Silver

BCV

3.3
Apply now
BCV Visa Silver

BCV Visa Silver

BCV

3.3
Apply now
Annual feeCHF 100
Annual feeCHF 100
Rewards rate1 points/CHF
Rewards rate1 points/CHF
Welcome bonus10000 points
Welcome bonus10000 points

Frequently Asked Questions

What is the annual fee for the BCV Visa Silver?
The BCV Visa Silver has a promotional first year fee of CHF 50, then CHF 100 per year afterwards.
What are the foreign transaction fees for the BCV Visa Silver?
The BCV Visa Silver charges a 1.75% foreign exchange fee on international transactions.
What rewards does the BCV Visa Silver offer?
The BCV Visa Silver offers points rewards at a base rate of 1 per CHF spent.
What insurance coverage does the BCV Visa Silver include?
The BCV Visa Silver includes travel insurance up to CHF 10,000 and medical coverage up to CHF 0 abroad.
Is the BCV Visa Silver compatible with Apple Pay?
Yes, the BCV Visa Silver is fully compatible with Apple Pay for contactless mobile payments.

How We Rated This Card

Wondering why BCV Visa Silver got its score? We rate Cashback cards using a weighted formula. Here's what counts:

Cashback Rate (50%)
Customer Satisfaction (30%)
Fee Value (20%)

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

See our full rating methodology

Ready to Apply?

Apply for the BCV Visa Silver today and start enjoying its benefits.