SWISS Miles & More World Mastercard Gold

The Mastercard half of SWISS Gold. 0.8 miles per CHF 1, universal acceptance for Amex gaps.

This World Mastercard comes bundled with the SWISS Miles & More Gold Amex. At 0.8 miles per CHF 1 (versus 1 on Amex), it earns slightly less but works everywhere. The dual-card approach maximizes coverage: Amex for better earning where accepted, Mastercard for universal backup.

What's Its Role?

Backup for Amex gaps. The 0.8 miles per CHF 1 is lower than the Amex (1 mile), but Mastercard acceptance is universal. When Amex is rejected, you continue earning miles. Both cards share the 30,000 welcome bonus and the CHF 220 annual fee.

The strategy: use Amex wherever possible for 25% more miles; use Mastercard where needed.

What Actually Stands Out

The universal acceptance is the feature. Mastercard works at 99%+ of Swiss merchants. When the Amex is rejected, you have instant backup that still earns at a competitive rate. 0.8 miles per CHF 1 is still decent for a backup card.

Miles accumulate in your shared Miles & More account. Apple Pay and Google Pay work. The World Mastercard tier includes some Priceless experiences.

What Most Reviews Miss

The earning rate difference matters. CHF 10,000 on Amex = 10,000 miles. Same amount on Mastercard = 8,000 miles. That's 2,000 miles difference. Over CHF 50,000 annual spending, prioritizing Amex generates 10,000 extra miles.

Insurance remains disappointing. CHF 150 flight delay. No medical coverage. The Mastercard doesn't add protection. Both cards are earning tools, not protection tools.

The Bottom Line

Essential backup for the SWISS Miles & More Gold Amex. Use both cards strategically for complete coverage. Maximize Amex usage for better earning. Compare alternatives in our best travel credit cards in Switzerland guide.

Verdict: Necessary half of the Gold duo. Maximize Amex; use Mastercard for acceptance gaps.