Bonus Card Visa Classic

Double points on all purchases abroad. Most Swiss cards punish foreign spending. This one rewards it.

The Bonus Card Visa Classic offers something unusual in Switzerland: the MyCountry program doubles your points on foreign purchases while most cards just charge extra FX fees. At CHF 48 annually, it's positioned for shoppers who buy internationally or travel frequently. The earning structure favors international spending over domestic.

Is CHF 48 Worth It?

The math depends on where you spend. MyCountry doubles your Bonus points on all purchases abroad. At Bonus partners, you earn up to 5 points per CHF 5; elsewhere, 1 point per CHF 5. Points redeem at 2 points = 1 centime, giving you 0.5-2% effective returns depending on merchant.

If you spend CHF 5,000 annually abroad at double points (10,000 points), that's CHF 50 in redemptions. The card pays for itself and then some. Add domestic spending at Bonus partners, and returns improve further. For international spenders, this is genuinely competitive.

What Actually Stands Out

The MyCountry double points abroad is the headline feature. Most Swiss cards charge 1.75-2.5% FX fees and offer no bonus for international spending. This card charges 2% FX fee (slightly above average) but compensates with doubled rewards. The net effect can be positive for international purchases.

Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. At certain Bonus partners you earn 2, 2.5, or 5 points per CHF 5, making strategic shopping quite rewarding.

What Most Reviews Miss

No travel insurance at the Classic tier. If you want trip cancellation or medical coverage, you need to upgrade to Gold (CHF 144) or Exclusive (CHF 216) tiers. This card is purely about points, not protection.

The 2% FX fee is slightly above the Swiss average of 1.75%. On CHF 5,000 foreign spending, you'd pay CHF 12.50 extra versus typical cards. The doubled points (worth ~CHF 50) more than offset this, but you're not getting low FX fees here.

The Bottom Line

A budget card that rewards international spending when most Swiss cards penalize it. The MyCountry double points make it genuinely valuable for online shoppers buying from abroad or frequent travelers. Compare alternatives in our best shopping credit cards in Switzerland guide.

Verdict: Worth it if you spend significantly abroad. The doubled points offset the slightly high FX fee.