Également bon pour
Notre Avis sur 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.
AVANTAGES
- 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
INCONVÉNIENTS
- No welcome bonus
- No medical coverage
- No airport lounge access
- No concierge service
Détails de la carte
En un coup d'œil
Frais annuels
Gratuit
Taux de récompense
0.333333 points/CHF
Frais FX
1.75%
Couverture d'assurance voyage
CHF 4'000
Frais & Coûts
Frais & Coûts
Frais annuels la première année
Pas de frais annuels
Frais annuels (après la première année)
Pas de frais annuels
Frais de change
1.75%
Retrait d'Espèces (National)
2.5% (min CHF 5)
Retrait d'Espèces (International)
2.5% (min CHF 10)
Frais de Retard
CHF 30
Cartes supplémentaires
3 cartes supplémentaires gratuites
Programme de Récompenses
Programme de Récompenses
Type de récompense
Points
Taux de récompense de base
0.333333 / CHF
Assurance & Protection
Assurance & Protection
Couverture d'assurance voyage
CHF 4'000
Couverture d'assurance médicale
Pas de couverture médicale
Protection des achats
CHF 2'000
Caractéristiques de la Carte
Caractéristiques de la Carte
Réseau de la Carte
Visa
Type de Carte
Standard
Devise
CHF
Revenu minimum requis
Aucune exigence de revenu
Limite de dépenses mensuelles
CHF 15'000
Accès aux salons d'aéroport
Service de conciergerie
Caractéristiques Principales
- 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
Calculez si cette carte en vaut la peine pour vous
= CHF 30'000/year
Vous payez
CHF 0
par an
Vous recevez
CHF 130
valeur estimée
Bilan
+CHF 130
dans votre poche
Calcul annuel :
CHF 30'000/yr × 0.333333 points/CHF × 1 ct
Déplacez le curseur pour voir la valeur. Miles: 1,5 ct, points: 1 ct.
Note par Catégorie
Comparer avec d'autres cartes
Questions fréquemment posées
- How cheap are cash advances on the Cumulus Visa?
- 2.50% fee both domestically and abroad, with a CHF 5 domestic minimum and CHF 10 international. That's roughly half what most Swiss cashback cards charge (segment average around 5.64% abroad). It's one of the cheapest ways to pull cash on a Swiss credit card; a CHF 500 withdrawal abroad costs CHF 12.50.
- How many free supplementary cards can my household add?
- Three, all free, but they must be for the same household. You can't add a parent in another canton, for example. All cards pool Cumulus points into one account, useful for partners and adult children helping you reach grocery and rewards thresholds faster.
- What's the actual return on non-Migros spend?
- 1 Cumulus point per CHF 3 on purchases outside Migros, which converts to roughly 0.33% effective cashback (100 Cumulus = CHF 1 voucher). Inside Migros you get the full Cumulus rate via your loyalty card anyway. The card mostly justifies itself for non-Migros transactions where you'd otherwise earn nothing.
Comment nous avons noté cette carte
Vous vous demandez pourquoi Migros Cumulus Visa a obtenu ce score ? On note les cartes Cashback avec une formule pondérée. Voici ce qui compte :
Même formule pour toutes les cartes de cette catégorie. Sans exception.
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