SWISS Miles & More Gold
SWISS
Overall Rating
Annual fee
CHF 220
1st year: CHF 110
Network
American Express
Rewards Type
Miles
Welcome bonus
30,000 miles
Also good for
Our Take on 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. Our credit card insurance guide compares coverage across all Swiss cards.
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.
PROS
- 30000 welcome bonus points
- Travel insurance coverage up to CHF 150
- Apple Pay compatible
- Contactless payments for convenient transactions
- Two card set for the price of one
- Up to 150 CHF coverage for flight delays
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
CONS
- High annual fee (CHF 220)
- High foreign exchange fee (2.5%)
- No medical coverage
- No airport lounge access
- No concierge service
Card Details
At a Glance
Annual fee
CHF 220
1st Year
CHF 110
Rewards rate
1 miles/CHF
FX Fee
2.5%
Welcome bonus
30,000 miles
Travel insurance coverage
CHF 150
Fees & Costs
Fees & Costs
First year annual fee
CHF 110
Annual fee (after first year)
CHF 220
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
CHF 80/card/year
Rewards Program
Rewards Program
Rewards type
Miles
Base rewards rate
1 / CHF
Welcome bonus
30,000 miles
Earn 2 miles for every 2 Swiss francs spent. Welcome bonus of 30000 miles.
Insurance & Protection
Insurance & Protection
Travel insurance coverage
CHF 150
Medical insurance coverage
No medical coverage
Purchase protection
CHF 750
Card Features
Card Features
Card Network
American Express
Card Type
Gold
Currency
CHF
Dual Network
amex + mastercard
Minimum income requirement
No income requirement
Monthly spending limit
CHF 30'000
Airport lounge access
Concierge service
Key Features
- Two card set for the price of one
- Up to 150 CHF coverage for flight delays
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
- 24-hour customer service support
- No income requirement
Calculate If This Card Is Worth It for You
= CHF 30'000/year
You Pay
CHF 220
per year
You Get Back
CHF 930
estimated value
Bottom Line
+CHF 710
in your pocket
Annual calculation:
CHF 30'000/yr × 1 miles/CHF × 1.5 ct
30'000 miles × 1.5 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
- What's the mile-earning rate on the SWISS Miles & More Gold?
- 2 miles per 2 francs on the Amex (=1 mile per franc), the highest in the M&M Gold lineup. The Mastercard partner earns less. You'd burn through 30,000 miles for a short-haul Lufthansa Group return roughly after CHF 30,000 of Amex spend.
- How does the welcome bonus split between the two Gold cards?
- One 30,000-mile bonus per set, posted after the qualifying spend. Not 30,000 per card. Apply the threshold spend to the Amex to also bank ongoing miles at the higher rate.
- What's the supplementary card fee?
- CHF 80 per year per partner card, moderate for premium. The set already comes with two cards (one Amex, one Mastercard) for the main holder, so the supp adds a third for someone in your household.
How We Rated This Card
Wondering why SWISS Miles & More Gold got its score? We rate Travel (miles) 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 SWISS Miles & More Gold today and start enjoying its benefits.