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Our Take on Poinz Card Visa
0.25% cashback with zero annual fee. Simple, but better free options exist.
The Poinz Card Visa offers minimal but real cashback at no annual cost. You spend, earn 0.25%, and cash out when you reach CHF 100. It's straightforward and genuinely free, but the low rate means better alternatives exist for those who care about maximizing returns.
Is It Worth Getting?
Probably not as a primary card. 0.25% cashback on all purchases requires CHF 40,000 in spending to reach the CHF 100 payout threshold. That's a lot of transactions for modest return. Cards like Certo One offer 1% cashback (4x the rate) for free.
However, the card costs nothing and has no income requirements. If you want a backup Visa with zero commitment, it works. The cashback is real, just slow to accumulate.
What Actually Stands Out
The simplicity is the feature. No categories, no tracking, no complexity. Every purchase earns the same 0.25%. You can exchange cashback for partner vouchers with bonus value if you prefer that to cash.
Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. Unlimited free additional cards for family members. No income requirement means accessibility for students or those building credit.
What Most Reviews Miss
The 2.5% FX fee is high. Most cards charge 1.5-2%. For international travel or foreign online shopping, this card costs you money. Use it domestically only.
0.25% is genuinely low. Other free cards offer 3-4x the return. If you're already carrying a wallet, why not carry a better-earning card? The Poinz Visa works, but it's not optimized for value.
The Bottom Line
A functional free card with modest returns. It works, but better free options exist for those who want meaningful cashback. Consider this as a backup or for someone who values extreme simplicity over optimization. Compare alternatives in our best cashback credit cards in Switzerland guide.
Verdict: Fine as a backup card or for credit building. For primary spending, better free cards exist with higher returns.
PROS
- No annual fee
- 0.25 welcome bonus points
- Apple Pay compatible
- Contactless payments for convenient transactions
- 0.25% cashback
- Cashback can be paid out from CHF 100 or exchanged for vouchers with additional cashback
- Access to various additional insurances for a fee, enhancing travel and personal protection
CONS
- High foreign exchange fee (2.5%)
- No travel insurance
- No medical coverage
- No airport lounge access
- No concierge service
Card Details
At a Glance
Annual fee
Free
Rewards rate
0.25% cashback
FX Fee
2.5%
Welcome bonus
0.25 % cash
Fees & Costs
Fees & Costs
First year annual fee
No annual fee
Annual fee (after first year)
No annual fee
Foreign exchange fee
2.5%
Cash Withdrawal (Domestic)
4% (min CHF 10)
Cash Withdrawal (International)
6.5% (min CHF 10)
Late Payment Fee
CHF 30
Additional Cards
-
Rewards Program
Rewards Program
Rewards type
cashback
Base rewards rate
0.25 %
Welcome bonus
0.25 % cash
Earn 0.25% cashback on all purchases
Insurance & Protection
Insurance & Protection
Travel insurance coverage
No travel insurance
Medical insurance coverage
No medical coverage
Purchase protection
No purchase protection
Card Features
Card Features
Card Network
Visa
Card Type
Standard
Currency
CHF
Minimum income requirement
No income requirement
Monthly spending limit
CHF 10'000
Airport lounge access
Concierge service
Key Features
- 0.25% cashback
- Cashback can be paid out from CHF 100 or exchanged for vouchers with additional cashback
- Access to various additional insurances for a fee, enhancing travel and personal protection
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
- No annual fee
Calculate If This Card Is Worth It for You
= CHF 30'000/year
You Pay
CHF 0
per year
You Get Back
CHF 75
estimated value
Bottom Line
+CHF 75
in your pocket
Annual calculation:
CHF 30'000/yr × 0.25%
Move the slider to see how your spending affects the card's value. Miles: 1.5 ct, points: 1 ct.
Rating by Category
Compare to Other Cards
Frequently Asked Questions
- What's the actual Poinz Visa cashback rate?
- 0.25% on qualifying purchases. That's one of the lowest cashback rates in our database; the cashback segment averages closer to 0.5%-1%. Fees, interest, and cash advances don't qualify. The card makes sense if the Poinz partner-merchant offers are the real draw; the base cashback alone won't move the needle.
- Why pick the Visa Poinz over the Amex version?
- Acceptance. The Visa works at Swiss merchants where Amex often doesn't (independent shops, hairdressers, small restaurants). The trade-off: you lose the Amex card's 3% welcome cashback for the first three months. If most of your card volume sits at smaller Swiss merchants, the Visa avoids declined transactions.
- How expensive is a cash withdrawal abroad?
- 6.50% with a CHF 10 minimum, nearly a full percentage point above the cashback segment average (around 5.64%). A CHF 200 cash advance abroad costs CHF 13 in fees, plus interest starts accruing the same day. Avoid using this for cash.
How We Rated This Card
Wondering why Poinz Card Visa got its score? We rate Cashback cards using a weighted formula. Here's what counts:
Same formula for every card in this category. No exceptions.
See our full rating methodologyReady to Apply?
Apply for the Poinz Card Visa today and start enjoying its benefits.