SWISS Miles & More Gold

30,000 welcome miles and 1 mile per CHF 1 on Amex. Better earning for serious Miles & More collectors.

The SWISS Miles & More Gold card offers enhanced miles earning for serious collectors. At CHF 220 annually, you get 30,000 welcome miles, 1 mile per CHF 1 on Amex (0.8 on Mastercard), and the dual-card setup. However, the insurance remains disappointingly modest for a gold card.

Is CHF 220 Worth It?

For dedicated miles collectors, often yes. 30,000 welcome miles are worth CHF 400-600 in transfers. 1 mile per CHF 1 on Amex means CHF 25,000 annual spending = 25,000 miles. Year one delivers 55,000 miles, potentially enough for a European business class ticket.

Compared to Classic (CHF 120, 0.75 miles/CHF), Gold earns 33% more per franc. If you spend CHF 30,000+ annually, the extra CHF 100 fee generates significantly more miles.

What Actually Stands Out

The 1 mile per CHF 1 earning rate is competitive for airline cards. Combined with the dual-card setup, you earn on essentially all purchases. Status qualifying miles if you fly SWISS frequently can accelerate elite status.

Apple Pay and Google Pay work. The dual cards ensure network flexibility.

What Most Reviews Miss

The insurance is disappointing for a gold card. CHF 150 flight delay coverage. CHF 750 purchase protection. No medical coverage abroad. Most Visa/Mastercard gold cards include CHF 200,000-300,000 medical. SWISS Gold is an earning card, not a protection card.

No lounge access at gold tier. Upgrade to Platinum for lounges. The 2.5% FX fee is high for international purchases.

The Bottom Line

Better earning for dedicated Miles & More collectors, but missing the premium perks expected at gold tier. If you want insurance and lounges, consider Platinum. Compare alternatives in our best travel credit cards in Switzerland guide.

Verdict: Good for serious miles earners who prioritize accumulation over insurance. Missing features expected at gold tier.