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Our Take on 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. Also available on the other network: Bonus Card Mastercard Gold.
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. 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 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. This card is also available on Mastercard with identical benefits.
Verdict: Good choice if you travel with family and want trip protection. Add standalone medical insurance for complete coverage.
PROS
- Travel insurance coverage up to CHF 10,000
- Apple Pay compatible
- Contactless payments for convenient transactions
- 5 welcome bonus points
- Travel insurance coverage of up to 10,000 Swiss francs for cancellations during trips.
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
Visa
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 welcome bonus points
- Travel insurance coverage of up to 10,000 Swiss francs for cancellations during trips.
- Contactless payments for convenient transactions
- Options for mobile access and 24-hour service for enhanced customer convenience.
- Points redemption for cashback at a competitive rate of 2 points per 1 centime.
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
- What's the monthly spending cap on the Bonus Card Visa Gold?
- CHF 90,000 a month, nine times the Classic tier's CHF 10,000. High enough for a property deposit, business expenses, or aggregate household spending in a single cycle. Charging your annual insurance, quarterly tax, and a vacation in the same month is genuinely possible at this ceiling.
- Does upgrading to the Bonus Card Visa Gold cut the cash withdrawal fee?
- No, still 6% abroad with a CHF 10 floor, identical to the Classic. Bonus prices cash withdrawals the same across its lineup. Higher insurance limits and a 9x larger monthly cap are what you pay for, not cheaper ATMs. Use a debit card if you actually need cash.
How We Rated This Card
Wondering why Bonus Card Visa 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 Visa Gold today and start enjoying its benefits.