Bonus Card Visa Gold

Double points abroad plus CHF 10,000 trip insurance for your whole family. That's unusual at CHF 144.

The Bonus Card Visa Gold combines the MyCountry double points benefit with meaningful trip insurance. At CHF 144 annually, it serves international shoppers who want some travel protection. The family coverage on trip insurance is a genuine differentiator if you travel with kids.

Is CHF 144 Worth It?

Let's calculate. CHF 10,000 trip cancellation coverage for you and your family would cost CHF 30-50 as standalone insurance for a single trip. If you book 2-3 trips annually, the coverage 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. If you travel 2+ times yearly and have a family, the trip insurance alone justifies the upgrade. The combined value of insurance plus enhanced rewards exceeds the fee for active travelers.

What Actually Stands Out

Family trip coverage is unusual. Most cards cover only the cardholder. Bonus Card Gold protects 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. One covered claim pays for years of the card.

MyCountry double points abroad continues at gold tier. Combined with Bonus partner bonuses (up to 5 points per CHF 5), strategic shoppers can earn competitive returns. Apple Pay and Google Pay work for daily convenience.

What Most Reviews Miss

No medical coverage abroad at the Gold tier. Trip cancellation is covered, but if you get sick overseas, you pay your own 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 Swiss average. On CHF 5,000 foreign spending, you'd pay CHF 12.50 extra versus typical cards. The doubled points (worth ~CHF 50) offset this, but you're not getting low FX fees here.

The Bottom Line

A solid mid-tier card for international shoppers who travel with family. The family trip coverage differentiates it from competitors. The MyCountry double points adds value for foreign purchases. Compare alternatives in our best shopping credit cards in Switzerland guide.

Verdict: Good choice if you travel with family and want trip protection. Add standalone medical insurance for complete coverage.