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.