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Il Nostro Parere su 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. Also available on the other network: LibertyCard Mastercard.
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. This card is also available on Mastercard with identical benefits.
Verdict: Worth it if transportation is a major spending category. Less compelling for work-from-home lifestyles.
PRO
- 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.
CONTRO
- High foreign exchange fee (2%)
- No welcome bonus
- No medical coverage
- No airport lounge access
- No concierge service
Dettagli della carta
In sintesi
Quota annuale
CHF 60
Tasso premi
1 punti/CHF
Comm. FX
2%
Copertura assicurativa viaggio
CHF 10'000
Commissioni e Costi
Commissioni e Costi
Quota annuale primo anno
CHF 60
Quota annuale (dopo il primo anno)
CHF 60
Commissione valuta estera
2%
Prelievo Contanti (Nazionale)
4% (min CHF 10)
Prelievo Contanti (Internazionale)
6% (min CHF 10)
Commissione Ritardo Pagamento
CHF 20
Carte aggiuntive
CHF 30/carta/anno
Programma Premi
Programma Premi
Tipo di premi
Points
Tasso premi base
1 / CHF
Assicurazione e Protezione
Assicurazione e Protezione
Copertura assicurativa viaggio
CHF 10'000
Copertura assicurativa medica
Nessuna copertura medica
Protezione degli acquisti
Nessuna protezione acquisti
Caratteristiche della Carta
Caratteristiche della Carta
Circuito della Carta
Visa
Tipo di Carta
Standard
Valuta
CHF
Requisito di reddito minimo
Nessun requisito di reddito
Limite di spesa mensile
CHF 10'000
Accesso alle lounge aeroportuali
Servizio di concierge
Caratteristiche Principali
- 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)
Calcola se questa carta ne vale la pena per te
= CHF 30'000/year
Paghi
CHF 60
all'anno
Ricevi
CHF 350
valore stimato
In sintesi
+CHF 290
in tasca
Calcolo annuale:
CHF 30'000/yr × 1 points/CHF × 1 ct
Sposta il cursore per vedere il valore. Miles: 1,5 ct, punti: 1 ct.
Valutazione per Categoria
Confronta con altre carte
Domande frequenti
- What counts as 'transportation' for the 2x points bonus?
- Public transport, gas stations, car rentals, parking, and similar mobility spend, billed under those merchant categories. So your SBB ticket, an Avis booking, or a TCS car park earn 2 points per franc instead of 1. The MyCountry feature then doubles all earn rates when you spend abroad.
- Should I pick the Visa or the Mastercard LibertyCard?
- Functionally identical: same fee, same Liberty earn rates, same insurance package. Visa edges Mastercard for North American travel (better small-merchant and rental car desk acceptance); Mastercard is marginally stronger at some small European merchants. For domestic Swiss use, either works equally well.
- What does pulling cash on this card cost?
- 6.00% abroad with a CHF 10 minimum, above the cashback segment average of roughly 5.64%. A CHF 200 cash advance abroad costs CHF 12, plus interest accrues from day one. Use a debit card for cash.
Come abbiamo valutato questa carta
Ti chiedi perché LibertyCard Visa ha questo punteggio? Valutiamo le carte Cashback con una formula ponderata. Ecco cosa conta:
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