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Our Take on LibertyCard Visa
Double points on transportation and all foreign purchases. For commuters and travelers who spend in these categories.
The LibertyCard Visa rewards two specific spending patterns: transportation (public transit, gas, car rentals) and foreign purchases. At CHF 60 annually, it's built for commuters and travelers who spend heavily in these categories. If your spending aligns, the focused bonuses beat generic flat-rate cards.
Is CHF 60 Worth It?
The math depends on your transportation spending. 2 Liberty points per CHF 1 on transportation (public transit, gas stations, car rentals) versus 1 point elsewhere. If you spend CHF 3,000 annually on transportation, that's 6,000 points worth roughly CHF 30-60 depending on redemption choices.
Add the MyCountry double points on all foreign purchases, and travelers can accumulate meaningfully. CHF 2,000 annual foreign spending = 4,000 points (worth CHF 20-40). Combined with CHF 3,000 transportation = CHF 50-100 annual return. At CHF 60 fee, the math works for active spenders.
What Actually Stands Out
The transportation category bonus is genuinely useful for commuters. SBB/CFF tickets, local transit passes, gas station fill-ups, car rentals on trips. These are expenses you'd have anyway; the doubled earning adds value without changing behavior.
CHF 10,000 trip cancellation coverage adds basic travel protection. Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. The card functions well for daily use while rewarding your transportation spending.
What Most Reviews Miss
The 2% FX fee is slightly above average. The MyCountry double points abroad partially offset this, but you're not getting best-in-class FX rates. For pure foreign spending optimization, Cornèrcard (1.2% FX) beats this.
The value concentrates heavily in transportation. If you work from home and rarely drive, most of the card's differentiation doesn't apply to you. Check your actual transportation spending before committing.
The Bottom Line
A solid card for commuters and travelers with significant transportation expenses. The focused bonuses outperform generic cards if your spending aligns. Check your actual transportation spending to confirm the value. Compare alternatives in our best cashback credit cards in Switzerland guide.
Verdict: Worth it if transportation is a major spending category. Less compelling for work-from-home lifestyles.
PROS
- Travel insurance coverage up to CHF 10,000
- Apple Pay compatible
- Contactless payments for convenient transactions
- 2 Liberty point per 1 franc spent
- Double points earned on purchases abroad
- Comprehensive travel insurance coverage of up to 10,000 Swiss francs for trip cancellations, providing peace of mind for travelers.
CONS
- 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 60
Rewards rate
1 points/CHF
FX Fee
2%
Travel insurance coverage
CHF 10,000
Fees & Costs
Fees & Costs
First year annual fee
CHF 60
Annual fee (after first year)
CHF 60
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 30/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
Standard
Currency
CHF
Minimum income requirement
No income requirement
Monthly spending limit
CHF 10,000
Airport lounge access
Concierge service
Key Features
- 2 Liberty point per 1 franc spent
- Double points earned on purchases abroad
- Comprehensive travel insurance coverage of up to 10,000 Swiss francs for trip cancellations, providing peace of mind for travelers.
- No annual fee
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
Calculate If This Card Is Worth It for You
= CHF 30’000/year
You Pay
CHF 60
per year
You Get Back
CHF 350
estimated value
Bottom Line
+CHF 290
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 is the annual fee for the LibertyCard Visa?
- The LibertyCard Visa has an annual fee of CHF 60.
- What are the foreign transaction fees for the LibertyCard Visa?
- The LibertyCard Visa charges a 2% foreign exchange fee on international transactions.
- What rewards does the LibertyCard Visa offer?
- The LibertyCard Visa offers points rewards at a base rate of 2 per CHF spent.
- What insurance coverage does the LibertyCard Visa include?
- The LibertyCard Visa includes travel insurance up to CHF 10,000 and medical coverage up to CHF 0 abroad.
- Is the LibertyCard Visa compatible with Apple Pay?
- Yes, the LibertyCard Visa is fully compatible with Apple Pay for contactless mobile payments.
How We Rated This Card
Wondering why LibertyCard Visa got its score? We rate Cashback 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 LibertyCard Visa today and start enjoying its benefits.