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Il Nostro Parere su Poinz Card Amex
1% cashback (free card!) plus 3% for the first 3 months. The catch: limited Amex acceptance.
The Poinz Card Amex offers significantly better cashback than their Visa: 1% ongoing plus 3% for the first three months. For a free card, these are competitive rates. The tradeoff is American Express's limited Swiss acceptance. If you can work around that, this is genuine value.
Is It Worth Getting?
If you can use Amex regularly, yes. 1% ongoing cashback matches the best free cards in Switzerland. The 3% welcome rate for 3 months is excellent. CHF 5,000 first-quarter spending = CHF 150 cashback. CHF 20,000 ongoing annual spending = CHF 200 cashback. For a free card, that's real money.
The math only works if you can actually use the card. Amex acceptance in Switzerland is around 70-80%. You'll hit gaps at smaller merchants, some restaurants, and certain service providers.
What Actually Stands Out
The 1% cashback on a free card is the headline. Most free cards offer 0.25-0.5%. This matches Certo One (also 1% free) but adds the 3% welcome bonus that Certo doesn't offer. For the first three months, Poinz Amex is among the best earning cards in Switzerland.
Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. Unlimited free additional cards for family members who want to earn on shared accounts.
What Most Reviews Miss
The 2.5% FX fee is high. For international purchases, the 1% cashback doesn't offset the FX cost compared to cards like Cornèrcard (1.2% FX). Use this domestically; use other cards abroad.
You need a backup card. Amex acceptance gaps mean you'll carry a Visa or Mastercard anyway. Some people find this manageable; others prefer one card for everything. Be realistic about whether multi-card strategy fits your lifestyle.
The Bottom Line
Excellent free cashback if you can work around Amex acceptance limitations. The 1% ongoing rate and 3% welcome bonus are genuinely competitive. Pair with a Visa/Mastercard for gaps. Compare alternatives in our best cashback credit cards in Switzerland guide.
Verdict: Worth having for the 1% rate where accepted. The welcome bonus makes the first three months especially valuable.
PRO
- No annual fee
- 3 welcome bonus points
- Apple Pay compatible
- Contactless payments for convenient transactions
- 1% cashback
- Cashback points paid out on account from CHF 100 or exchanged for vouchers with extra cashback
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
CONTRO
- High foreign exchange fee (2.5%)
- No travel insurance
- No medical coverage
- No airport lounge access
- No concierge service
Dettagli della carta
In sintesi
Quota annuale
Gratuito
Tasso premi
1% cashback
Comm. FX
2.5%
Bonus di benvenuto
3 % cash
Commissioni e Costi
Commissioni e Costi
Quota annuale primo anno
Nessun canone annuale
Quota annuale (dopo il primo anno)
Nessun canone annuale
Commissione valuta estera
2.5%
Prelievo Contanti (Nazionale)
4% (min CHF 10)
Prelievo Contanti (Internazionale)
6.5% (min CHF 10)
Commissione Ritardo Pagamento
CHF 30
Carte aggiuntive
-
Programma Premi
Programma Premi
Tipo di premi
cashback
Tasso premi base
1 %
Bonus di benvenuto
3 % cash
Earn 3% cashback on all purchases
Assicurazione e Protezione
Assicurazione e Protezione
Copertura assicurativa viaggio
Nessuna assicurazione viaggio
Copertura assicurativa medica
Nessuna copertura medica
Protezione degli acquisti
Nessuna protezione acquisti
Caratteristiche della Carta
Caratteristiche della Carta
Circuito della Carta
American Express
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
- 1% cashback
- Cashback points paid out on account from CHF 100 or exchanged for vouchers with extra cashback
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
- Access to various additional insurances available for a fee, enhancing travel and medical protection
- No annual fee
Calcola se questa carta ne vale la pena per te
= CHF 30’000/year
Paghi
CHF 0
all'anno
Ricevi
CHF 303
valore stimato
In sintesi
+CHF 303
in tasca
Calcolo annuale:
CHF 30’000/yr × 1%
Sposta il cursore per vedere il valore. Miles: 1,5 ct, punti: 1 ct.
Valutazione per Categoria
Confronta con altre carte
Domande frequenti
- What is the annual fee for the Poinz Card Amex?
- The Poinz Card Amex has no annual fee, making it accessible to all cardholders.
- What are the foreign transaction fees for the Poinz Card Amex?
- The Poinz Card Amex charges a 2.5% foreign exchange fee on international transactions.
- What rewards does the Poinz Card Amex offer?
- The Poinz Card Amex offers cashback rewards at a base rate of 0 per CHF spent.
- Is the Poinz Card Amex compatible with Apple Pay?
- Yes, the Poinz Card Amex is fully compatible with Apple Pay for contactless mobile payments.
Come abbiamo valutato questa carta
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