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.