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.