Coop Supercard Visa
Coop
Overall Rating
Annual fee
CHF 0
Network
Visa
Rewards Type
Points
Also good for
Our Take on Coop Supercard Visa
Earn Coop Superpunkte on every purchase, everywhere. Free forever.
The Coop Supercard Visa extends your Superpunkte earning beyond Coop stores. It's free, earns points on all purchases, and integrates with Switzerland's second-largest retailer. If you already shop at Coop, this card lets you accelerate point accumulation at no cost. Also available on the other network: Coop Supercard Mastercard.
Why Is It Free?
Like most free cards, TopCard (the issuer) makes money from interchange fees when you use the card. Coop benefits from increased loyalty program engagement. You get free Superpunkte. Everyone wins.
1 Superpunkt per CHF 3 spent outside Coop stores. That's roughly 0.33% value, which sounds low until you remember it costs nothing. If you spend CHF 30,000 annually on non-Coop purchases, you earn 10,000 extra Superpunkte on top of what you'd earn at Coop stores anyway.
What Actually Stands Out
The seamless integration with Coop's ecosystem is the real value. Your credit card spending and in-store shopping accumulate into the same Superpunkte balance. No separate redemption catalogs. No points conversion. Just a bigger pile of Superpunkte to use on groceries.
Apple Pay, Google Pay, Samsung Pay, Swatch Pay, and Garmin Pay all work. The 1.5% FX fee is below average (most cards charge 1.75-2%). Unlimited additional cards are free, which is excellent for families.
What Most Reviews Miss
The earning rate is modest. 0.33% effective value won't excite rewards optimizers. But for Coop loyalists who'd shop there anyway, it's free incremental earning. Don't underestimate the psychological benefit of seeing your Superpunkte balance grow from all spending, not just groceries.
No travel insurance, no purchase protection. This is a points-earning tool, not a comprehensive credit card. If you need insurance, keep another card for travel bookings.
The Bottom Line
A no-brainer for Coop shoppers. The card is free, the points integrate with your existing Supercard, and the FX fee is actually good. Keep it for daily spending to maximize your Superpunkte. Compare alternatives in our best cashback credit cards in Switzerland guide. This card is also available on Mastercard with identical benefits.
Verdict: If you shop at Coop, get this card. It costs nothing and adds value to spending you'd do anyway.
PROS
- No annual fee
- Low foreign exchange fee of 1.5%
- Apple Pay compatible
- Contactless payments for convenient transactions
- Earn 1 Coop Supercard point for every 3 francs spent at non-Coop merchants
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
- 24-hour customer service support
CONS
- No welcome bonus
- No travel insurance
- No medical coverage
- No airport lounge access
- No concierge service
Card Details
At a Glance
Annual fee
Free
Rewards rate
0.333333 points/CHF
FX Fee
1.5%
Fees & Costs
Fees & Costs
First year annual fee
No annual fee
Annual fee (after first year)
No annual fee
Foreign exchange fee
1.5%
Cash Withdrawal (Domestic)
3.75% (min CHF 5)
Cash Withdrawal (International)
5.25% (min CHF 10)
Late Payment Fee
CHF 30
Additional Cards
-
Rewards Program
Rewards Program
Rewards type
Points
Base rewards rate
0.333333 / CHF
Insurance & Protection
Insurance & Protection
Travel insurance coverage
No travel insurance
Medical insurance coverage
No medical coverage
Purchase protection
No purchase protection
Card Features
Card Features
Card Network
Visa
Card Type
Standard
Currency
CHF
Minimum income requirement
No income requirement
Monthly spending limit
CHF 10'000
Airport lounge access
Concierge service
Key Features
- Earn 1 Coop Supercard point for every 3 francs spent at non-Coop merchants
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
- 24-hour customer service support
- Contactless payments for convenient transactions
- Online account access for easy management
Calculate If This Card Is Worth It for You
= CHF 30'000/year
You Pay
CHF 0
per year
You Get Back
CHF 100
estimated value
Bottom Line
+CHF 100
in your pocket
Annual calculation:
CHF 30'000/yr × 0.333333 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
- Why is the domestic ATM minimum charge only CHF 5 on the Coop Supercard Visa?
- That's half the CHF 10 floor most Swiss cards apply. A CHF 100 home pull costs CHF 5 here vs CHF 10 elsewhere, so smaller pulls become less punishing. Cash on a credit card is still expensive, but Coop is the gentler option for occasional users.
- Are supplementary Coop Supercard Visa cards really unlimited and free?
- Yes, unlimited and free. Coop and Certo are the two cashback cards in this batch that don't gate the count or charge for additional cards. Cantonal banks cap you at 2 with CHF 25 to CHF 50 fees each. A family equipping multiple members on Coop saves CHF 100 to CHF 200 a year versus those alternatives.
How We Rated This Card
Wondering why Coop Supercard Visa 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 Coop Supercard Visa today and start enjoying its benefits.