Coop Supercard Mastercard

The only free credit card that turns your grocery spending into Superpunkte automatically.

The Coop Supercard Mastercard gives you Superpunkte on every purchase, at zero annual cost. Coop also offers this on Visa with identical benefits, so your network choice is purely personal. But the core value is the same: free points on spending you would do anyway. See also the Coop Supercard Visa.

Why Free Matters More Than You Think

Most credit cards with loyalty rewards charge CHF 50-100 annually. This one charges nothing. 1 Superpunkt per CHF 3 spent outside Coop stores adds up quietly in the background. Spend CHF 30,000 a year on non-Coop purchases and you collect 10,000 extra Superpunkte.

The 1.5% FX fee is actually below the Swiss average of 1.75-2%. So even abroad, this card holds its own. And because there is no annual fee, you never need to justify keeping it.

What Actually Stands Out

Your credit card Superpunkte merge directly into the same balance you build at Coop registers. No separate catalogs, no conversions, no minimum thresholds before they become useful. Just a bigger pool for your next grocery run.

Unlimited free additional cards for family members mean everyone contributes to the same balance. Apple Pay, Google Pay, Samsung Pay, Swatch Pay, and Garmin Pay all work. No income requirement keeps the barrier low for anyone in the Coop ecosystem.

What Most Reviews Miss

The 0.33% effective return is modest by pure cashback standards. Cards like Certo One offer 1% flat. But if you already shop at Coop weekly, these points stack on top of in-store earning with zero effort. That incremental value is real.

There is no travel insurance or purchase protection. Treat this as a points-earning engine, not an all-in-one card. For travel, keep a separate card in your wallet.

The Bottom Line

A zero-cost way to accelerate Superpunkte on all your non-Coop spending. If you shop at Coop regularly, this card pays for itself from day one (since it costs nothing). Compare alternatives in our best cashback credit cards in Switzerland guide.

Verdict: For Coop shoppers, there is no reason not to carry this card. Free earning with no strings attached.