Bonus Card Mastercard Gold
Bonus
Overall Rating
Annual fee
CHF 144
Network
Mastercard
Rewards Type
Points
Also good for
Our Take on Bonus Card Mastercard Gold
Double points abroad plus CHF 10,000 family trip insurance. A solid mid-tier card for international shoppers.
The Bonus Card Mastercard Gold pairs the MyCountry double points benefit with meaningful family trip protection. At CHF 144 annually, it serves international shoppers who want coverage for the whole family. Bonus Card also offers this on Visa with identical benefits, so your choice is about which network fits your wallet. See also the Bonus Card Visa Gold.
Is CHF 144 Worth It?
Here's the calculation. CHF 10,000 trip cancellation for you and your family would cost CHF 30-50 as standalone insurance per trip. Book 2-3 trips annually, and the insurance value approaches CHF 60-150. The MyCountry double points abroad adds another CHF 50-100 in value for international spenders.
Upgrading from Classic (CHF 48) costs CHF 96 extra per year. If you travel 2+ times yearly with family, the trip insurance alone justifies the step up. One covered cancellation on a family holiday pays for several years of the card.
What Actually Stands Out
Family trip coverage is genuinely unusual. Most cards only protect the cardholder. Bonus Card Gold covers your whole family's trip cancellation. If you book a CHF 5,000 family vacation and need to cancel due to illness, you're covered. That's real peace of mind for parents planning holidays.
MyCountry double points abroad continues at gold tier. At Bonus partners you earn up to 5 points per CHF 5, making strategic shopping rewarding. Apple Pay, Google Pay, Samsung Pay, and Garmin Pay work for daily convenience. Our credit card insurance guide compares coverage across all Swiss cards.
What Most Reviews Miss
No medical coverage abroad at the Gold tier. Trip cancellation is covered, but if you get sick overseas, you're on your own for medical bills. For medical protection, you need Bonus Card Exclusive (CHF 216) or standalone travel insurance. This is a significant gap for serious travelers.
The 2% FX fee is slightly above the Swiss average. On CHF 5,000 foreign spending, you'd pay CHF 12.50 extra versus typical cards. The doubled points (worth roughly CHF 50) offset this, but you're not getting low FX fees here.
The Bottom Line
A solid mid-tier card for families who shop internationally and travel together. The family trip coverage is a genuine differentiator, and the MyCountry double points add value for foreign purchases. Compare alternatives in our best shopping credit cards in Switzerland guide.
Verdict: Good choice for family travelers who shop abroad. Budget for separate medical insurance if you need complete coverage.
PROS
- Travel insurance coverage up to CHF 10,000
- Apple Pay compatible
- Contactless payments for convenient transactions
- 5 points per 5 franc spent
- Double Bonus points earned on purchases made abroad with MyCountry feature
- Travel insurance covering up to 10,000 Swiss francs for cancellations before and during trips for you and your family
CONS
- High annual fee (CHF 144)
- High foreign exchange fee (2%)
- No welcome bonus
- No medical coverage
- No airport lounge access
- No concierge service
Card Details
At a Glance
Annual fee
CHF 144
Rewards rate
1 points/CHF
FX Fee
2%
Travel insurance coverage
CHF 10'000
Fees & Costs
Fees & Costs
First year annual fee
CHF 144
Annual fee (after first year)
CHF 144
Foreign exchange fee
2%
Cash Withdrawal (Domestic)
4% (min CHF 10)
Cash Withdrawal (International)
6% (min CHF 10)
Late Payment Fee
CHF 20
Additional Cards
CHF 72/card/year
Rewards Program
Rewards Program
Rewards type
Points
Base rewards rate
1 / CHF
Insurance & Protection
Insurance & Protection
Travel insurance coverage
CHF 10'000
Medical insurance coverage
No medical coverage
Purchase protection
No purchase protection
Card Features
Card Features
Card Network
Mastercard
Card Type
Gold
Currency
CHF
Minimum income requirement
No income requirement
Monthly spending limit
CHF 90'000
Airport lounge access
Concierge service
Key Features
- 5 points per 5 franc spent
- Double Bonus points earned on purchases made abroad with MyCountry feature
- Travel insurance covering up to 10,000 Swiss francs for cancellations before and during trips for you and your family
- 24-hour customer support service for immediate assistance
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
Calculate If This Card Is Worth It for You
= CHF 30'000/year
You Pay
CHF 144
per year
You Get Back
CHF 350
estimated value
Bottom Line
+CHF 206
in your pocket
Annual calculation:
CHF 30'000/yr × 1 points/CHF × 1 ct
Move the slider to see how your spending affects the card's value. Miles: 1.5 ct, points: 1 ct.
Rating by Category
Compare to Other Cards
Frequently Asked Questions
- Should I pick the Bonus Card Mastercard Gold or the Visa version?
- Identical fees, identical CHF 90,000 monthly cap, identical insurance. Both run CHF 72 partner cards, the same 6% intl cash floor, the same MyCountry double-points abroad. Pick the network logo your wallet doesn't already carry. Bonus doesn't differentiate the two on data.
- How many partner Bonus Card Mastercard Gold cards can I add?
- No published cap on count. Each runs CHF 72 a year. Unlike cantonal-bank Gold cards (capped at 2), Bonus doesn't gate the number. A couple plus teen kids plus an extended family member is feasible. Whether it makes financial sense depends on whether each card earns enough Bonus points to clear CHF 72.
How We Rated This Card
Wondering why Bonus Card Mastercard Gold got its score? We rate Shopping cards using a weighted formula. Here's what counts:
Same formula for every card in this category. No exceptions.
See our full rating methodologyReady to Apply?
Apply for the Bonus Card Mastercard Gold today and start enjoying its benefits.