Auch gut für
Unsere Einschätzung zur Migros Cumulus Visa
Free card with 2 free ATM withdrawals abroad yearly. Plus Cumulus points everywhere you spend.
The Migros Cumulus Visa extends Switzerland's most popular loyalty program beyond Migros stores. The free card earns Cumulus points on all spending, includes basic travel insurance, and offers something genuinely unique: 2 free foreign ATM withdrawals yearly. For Migros loyalists, this is the obvious credit card choice.
Is It Worth Getting?
If you're already collecting Cumulus at Migros, absolutely. The card is completely free and earns 1 Cumulus point per CHF 3 spent everywhere outside Migros. CHF 15,000 annual non-Migros spending = 5,000 extra Cumulus points toward groceries, household goods, and Migros services.
The 2 free foreign ATM withdrawals yearly (up to CHF 500 each) is genuinely valuable. Most cards charge 4-5% for foreign cash. This saves CHF 40-50 per year for travelers who need cash abroad. Add free CHF 4,000 trip insurance, and this free card offers real benefits.
What Actually Stands Out
The foreign ATM benefit is unique among free Swiss cards. When you need cash in foreign countries, this card is your withdrawal tool. Use other cards for purchases (better FX rates), but use this for cash. The benefit alone justifies carrying the card when traveling.
Domestically, no Migros ATM fees up to CHF 1,000 per transaction. Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. Up to 3 free additional cards for family members. The 1.75% FX fee is decent for a free card.
What Most Reviews Miss
The Cumulus earning outside Migros is modest. 1 point per CHF 3 (roughly 0.33% effective return) won't excite reward optimizers. Cards like Certo One offer 1% cashback everywhere. The value is in Cumulus ecosystem integration, not maximum earning rate.
The CHF 4,000 trip insurance and CHF 2,000 purchase protection are basic coverage. Helpful for minor issues, but not comprehensive protection. The card's strength is the ATM benefit and Cumulus integration, not insurance. Compare all Swiss bonus programs in our rewards programs guide.
The Bottom Line
An excellent free card for Migros Cumulus members who travel. The foreign ATM benefit is genuinely valuable and unique. The Cumulus earning extends your existing loyalty program to all spending. Compare alternatives in our best cashback credit cards in Switzerland guide.
Verdict: Essential for Migros loyalists. The free foreign ATM withdrawals justify carrying this card even if you have other primary cards.
VORTEILE
- No annual fee
- Travel insurance coverage up to CHF 4,000
- Apple Pay compatible
- Contactless payments for convenient transactions
- No cash advance fees at Migros stores (up to CHF 1000 per transaction and day)
- Two free cash withdrawals abroad per year (up to CHF 500 each)
- Earn Migros Cumulus points: 1 point for every 3 francs spent outside Migros
NACHTEILE
- No welcome bonus
- No medical coverage
- No airport lounge access
- No concierge service
Kartendetails
Auf einen Blick
Jahresgebühr
Kostenlos
Prämiensatz
0.333333 Punkte/CHF
FX-Gebühr
1.75%
Reiseversicherungsschutz
CHF 4,000
Gebühren & Kosten
Gebühren & Kosten
Jahresgebühr im ersten Jahr
Keine Jahresgebühr
Jahresgebühr (nach dem ersten Jahr)
Keine Jahresgebühr
Fremdwährungsgebühr
1.75%
Bargeldabhebung (Inland)
2.5% (min CHF 5)
Bargeldabhebung (Ausland)
2.5% (min CHF 10)
Verzugsgebühr
CHF 30
Zusatzkarten
3 kostenlose Zusatzkarten
Prämienprogramm
Prämienprogramm
Prämientyp
Points
Basis-Prämiensatz
0.333333 / CHF
Versicherung & Schutz
Versicherung & Schutz
Reiseversicherungsschutz
CHF 4,000
Krankenversicherungsschutz
Keine medizinische Versorgung
Kaufschutz
CHF 2,000
Kartenmerkmale
Kartenmerkmale
Kartennetzwerk
Visa
Kartentyp
Standard
Währung
CHF
Mindesteinkommensanforderung
Keine Einkommensanforderung
Monatliches Ausgabenlimit
CHF 15,000
Zugang zu Flughafen-Lounges
Concierge-Service
Hauptmerkmale
- No cash advance fees at Migros stores (up to CHF 1000 per transaction and day)
- Two free cash withdrawals abroad per year (up to CHF 500 each)
- Earn Migros Cumulus points: 1 point for every 3 francs spent outside Migros
- Comprehensive travel insurance covering trip interruptions up to CHF 4000 for trips up to 90 days
- Support for multiple payment options including Samsung Pay, Apple Pay, and more
Berechnen Sie, ob sich diese Karte für Sie lohnt
= CHF 30’000/year
Sie zahlen
CHF 0
pro Jahr
Sie erhalten
CHF 130
geschätzter Wert
Unterm Strich
+CHF 130
in Ihrer Tasche
Jährliche Berechnung:
CHF 30’000/yr × 0.333333 points/CHF × 1 ct
Verschieben Sie den Regler, um den Kartenwert zu sehen. Meilen: 1,5 Rp., Punkte: 1 Rp.
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Häufig gestellte Fragen
- What is the annual fee for the Migros Cumulus Visa?
- The Migros Cumulus Visa has no annual fee, making it accessible to all cardholders.
- What are the foreign transaction fees for the Migros Cumulus Visa?
- The Migros Cumulus Visa charges a 1.75% foreign exchange fee on international transactions.
- What rewards does the Migros Cumulus Visa offer?
- The Migros Cumulus Visa offers points rewards at a base rate of 0.333333 per CHF spent.
- What insurance coverage does the Migros Cumulus Visa include?
- The Migros Cumulus Visa includes travel insurance up to CHF 4,000 and medical coverage up to CHF 0 abroad.
- Is the Migros Cumulus Visa compatible with Apple Pay?
- Yes, the Migros Cumulus Visa is fully compatible with Apple Pay for contactless mobile payments.
So haben wir diese Karte bewertet
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