LibertyCard VisaLibertyCard
Cashback
Standard

LibertyCard Visa

LibertyCard

Gesamtbewertung

3.7/5

Jahresgebühr

CHF 60

Netzwerk

Visa

Prämientyp

Points

Auch gut für

Premium

Unsere Einschätzung zur LibertyCard Visa

Ihr Schweizer Finanzbegleiter
Adrien Missioux
Adrien Missioux

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.

Ideal für: daily commuters spending significantly on public transit, gas, or car rentals, travelers who'll benefit from double points on foreign purchases, those who want category bonuses over flat-rate cashback
Alternativen erwägen, wenn: you work from home and spend minimally on transportation, you prefer simple flat-rate cashback without categories, you want premium travel benefits like lounge access or substantial medical coverage

VORTEILE

  • 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.

NACHTEILE

  • High foreign exchange fee (2%)
  • No welcome bonus
  • No medical coverage
  • No airport lounge access
  • No concierge service

Kartendetails

Auf einen Blick

Jahresgebühr

CHF 60

Prämiensatz

1 Punkte/CHF

FX-Gebühr

2%

Reiseversicherungsschutz

CHF 10,000

Apple Pay
Kontaktloses Bezahlen
Visa

Gebühren & Kosten

Jahresgebühr im ersten Jahr

CHF 60

Jahresgebühr (nach dem ersten Jahr)

CHF 60

Fremdwährungsgebühr

2%

Bargeldabhebung (Inland)

4% (min CHF 10)

Bargeldabhebung (Ausland)

6% (min CHF 10)

Verzugsgebühr

CHF 20

Zusatzkarten

CHF 30/Karte/Jahr

Prämienprogramm

Prämientyp

Points

Basis-Prämiensatz

1 / CHF

Versicherung & Schutz

Reiseversicherungsschutz

CHF 10,000

Krankenversicherungsschutz

Keine medizinische Versorgung

Kaufschutz

Kein Käuferschutz

Kartenmerkmale

Kartennetzwerk

Visa

Kartentyp

Standard

Währung

CHF

Mindesteinkommensanforderung

Keine Einkommensanforderung

Monatliches Ausgabenlimit

CHF 10,000

Zugang zu Flughafen-Lounges

Concierge-Service

Hauptmerkmale

  • 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)

Berechnen Sie, ob sich diese Karte für Sie lohnt

CHF 2’500/mo

= CHF 30’000/year

Sie zahlen

CHF 60

pro Jahr

Sie erhalten

CHF 350

geschätzter Wert

Unterm Strich

+CHF 290

in Ihrer Tasche

Jährliche Berechnung:

Verdiente PrämienCHF 300

CHF 30’000/yr × 1 points/CHF × 1 ct

Reise- & Krankenversicherung≈ CHF 50
GesamtvorteileCHF 350
Jahresgebühr- CHF 60
Nettowert+CHF 290

Verschieben Sie den Regler, um den Kartenwert zu sehen. Meilen: 1,5 Rp., Punkte: 1 Rp.

Bewertung nach Kategorie

Cashback

116 cards

3.7
#112/ 116

Top 97%

#116#1
Top-Karten ansehen

Premium

122 cards

3.0
#37/ 122

Top 30%

#122#1
Top-Karten ansehen

Mit anderen Karten vergleichen

UBS Mastercard Platinum

UBS Mastercard Platinum

UBS

5.0
Jetzt beantragen
LibertyCard Visa

LibertyCard Visa

LibertyCard

3.7
Jetzt beantragen
JahresgebührCHF 500
JahresgebührCHF 60
Prämiensatz0.006 points/CHF
Prämiensatz2 points/CHF
Willkommensbonus6 points
Willkommensbonus-

Häufig gestellte Fragen

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.

So haben wir diese Karte bewertet

Sie fragen sich, warum LibertyCard Visa diese Bewertung hat? Wir bewerten Cashback-Karten mit einer gewichteten Formel. Das zählt:

Cashback-Rate (50%)
Kundenzufriedenheit (30%)
Preis-Leistung (20%)

Gleiche Formel für jede Karte in dieser Kategorie. Keine Ausnahmen.

Unsere komplette Methodik ansehen

Bereit zur Beantragung?

Beantragen Sie die LibertyCard Visa noch heute und geniessen Sie ihre Vorteile.