SPAR Mastercard World
SPAR
Overall Rating
Annual fee
CHF 0
Network
Mastercard
Rewards Type
Points
Welcome bonus
1 pts/2CHF Points
Also good for
Our Take on SPAR Mastercard World
Free card with CHF 60,000 trip insurance. That's genuinely unusual for a no-fee store card.
The SPAR Mastercard World offers something unexpected: substantial travel insurance on a completely free store card. CHF 60,000 trip interruption coverage and flight delay compensation are benefits you'd normally pay for. Combined with SPAR points earning and a competitive 1.5% FX fee, this punches well above its free price point.
Is It Worth Getting?
Yes, especially for the insurance alone. CHF 60,000 trip interruption coverage would cost CHF 20-40 standalone. Flight delay compensation adds additional value. All this for zero annual fee. Even if you rarely shop at SPAR, the free travel protection makes this worth having.
The 1.5% FX fee is better than average (most free cards charge 2%+). For occasional foreign purchases or travel, this card performs well against paid alternatives.
What Actually Stands Out
The travel insurance on a free card is the headline. Most free store cards offer points and nothing else. This one includes meaningful protection that rivals entry-level paid cards.
1 SPAR point per CHF 1 at SPAR, 1 point per CHF 2 elsewhere. 500 points = CHF 5 voucher (1% effective return at SPAR, 0.5% elsewhere). Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. Unlimited free additional cards for family members. Compare insurance packages across Swiss cards in our credit card insurance guide.
What Most Reviews Miss
No medical coverage abroad. The trip insurance covers interruption and delays, not health emergencies. If you get sick or injured traveling, you need separate insurance. The SPAR card helps with logistics, not medical bills.
The 0.5% return outside SPAR is modest. Cards like Certo One pay 1% at three favourite retailers, 0.25% elsewhere. If SPAR isn't your regular retailer, the points value diminishes. The card's strength is the free insurance, not maximum earning rates.
The Bottom Line
An impressive free card for travelers who shop at SPAR. The CHF 60,000 trip insurance is genuinely unusual at this price point. Even non-SPAR shoppers benefit from the free protection and competitive FX fee. Compare alternatives in our best cashback credit cards in Switzerland guide.
Verdict: Worth having for the insurance alone. SPAR points are a bonus for regular shoppers.
PROS
- No annual fee
- Low foreign exchange fee of 1.5%
- 1 welcome bonus points
- Travel insurance coverage up to CHF 60,000
- Apple Pay compatible
- Contactless payments for convenient transactions
- Earn 1 SPAR point per 1 CHF spent at SPAR, redeemable for vouchers (500 points = 5 CHF)
- Customizable design option available for a one-time fee of 30 CHF
CONS
- No medical coverage
- No airport lounge access
- No concierge service
Card Details
At a Glance
Annual fee
Free
Rewards rate
1 points/CHF
FX Fee
1.5%
Welcome bonus
1 pts/2CHF Points
Travel insurance coverage
CHF 60'000
Fees & Costs
Fees & Costs
First year annual fee
No annual fee
Annual fee (after first year)
No annual fee
Foreign exchange fee
1.5%
Cash Withdrawal (Domestic)
3.75% (min CHF 10)
Cash Withdrawal (International)
5.25% (min CHF 10)
Late Payment Fee
CHF 30
Additional Cards
-
Rewards Program
Rewards Program
Rewards type
Points
Base rewards rate
1 / CHF
Welcome bonus
1 pts/2CHF Points
Insurance & Protection
Insurance & Protection
Travel insurance coverage
CHF 60'000
Medical insurance coverage
No medical coverage
Purchase protection
CHF 5'000
Card Features
Card Features
Card Network
Mastercard
Card Type
Standard
Currency
CHF
Minimum income requirement
No income requirement
Monthly spending limit
CHF 20'000
Airport lounge access
Concierge service
Key Features
- Earn 1 SPAR point per 1 CHF spent at SPAR, redeemable for vouchers (500 points = 5 CHF)
- Customizable design option available for a one-time fee of 30 CHF
- 24-hour service and support for cardholders
- Up to 60000 CHF coverage for trip interruptions
- Support for a variety of digital wallets such as Samsung Pay and Apple Pay
Calculate If This Card Is Worth It for You
= CHF 30'000/year
You Pay
CHF 0
per year
You Get Back
CHF 380
estimated value
Bottom Line
+CHF 380
in your pocket
Annual calculation:
CHF 30'000/yr × 1 points/CHF × 1 ct
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
- How much is the SPAR Mastercard actually worth in francs?
- 1% back at SPAR, roughly 0.5% everywhere else. You earn 1 SPAR point per franc inside SPAR and 1 per 2 francs outside, with 500 points converting into a CHF 5 voucher. A CHF 100 SPAR run gives one voucher; the same at Migros gives half.
- What's the late payment penalty?
- CHF 30, on the high end of the cashback bracket where most issuers sit at CHF 20-22. The card is otherwise free, so the late fee is where the cost shows up if your direct debit fails.
- Can I add a card for my partner?
- Yes, and as many as you want, free. Unlimited additional cards at no charge, unusual outside the SPAR/Coop/Migros family. Useful when the household does the weekly shop separately.
How We Rated This Card
Wondering why SPAR Mastercard World 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 SPAR Mastercard World today and start enjoying its benefits.