Également bon pour
Notre Avis sur Swisscard American Express BLUE
Entry-level Amex at CHF 80 with CHF 25,000 minimum income. Most accessible American Express in Switzerland.
The Swisscard American Express Blue is the most accessible entry into the Amex world. At CHF 80 annually (first year CHF 40) with a CHF 25,000 minimum income requirement, it's designed for younger professionals who want the American Express brand without premium pricing or income barriers.
Is CHF 80 Worth It?
Only if you specifically want American Express. CHF 25,000 minimum income is among the lowest for Amex cards. CHF 80 annually (first year CHF 40) is affordable. Optional Pointup rewards program available for additional fee.
However, the card doesn't include travel insurance, offers no special benefits beyond Amex brand access, and acceptance is limited. If you just want a credit card, better free options exist. Our credit card eligibility guide explains what Swiss banks actually check during applications.
What Actually Stands Out
The accessibility is the feature. Lower income requirement, affordable fee, entry to Amex ecosystem. Some people value the brand, the customer service reputation, or want to build toward premium Amex cards.
Apple Pay and Google Pay work. 24-hour service. Additional cards cost CHF 40 each.
What Most Reviews Miss
American Express acceptance is limited in Switzerland. Expect 70-80% coverage. Many smaller merchants, some restaurants, and certain services won't accept it. You need a Visa or Mastercard backup for gaps.
The 2.5% FX fee is high. For international purchases, this costs you money. Cornèrcard offers 1.2%. If you travel or shop internationally, this card works against you.
The Bottom Line
An accessible Amex for brand loyalists, not a general-purpose recommendation. Limited acceptance and high FX fees mean practical disadvantages versus Visa/Mastercard alternatives. Compare alternatives in our best credit cards in Switzerland guide.
Verdict: Consider only if you specifically want Amex at a lower price point. Keep a backup card for acceptance gaps.
AVANTAGES
- Apple Pay compatible
- Contactless payments for convenient transactions
- Optional membership in Pointup rewards program for additional benefits
- Minimum annual income requirement of CHF 25000
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
INCONVÉNIENTS
- High foreign exchange fee (2.5%)
- No welcome bonus
- No travel insurance
- No medical coverage
- No airport lounge access
- No concierge service
Détails de la carte
En un coup d'œil
Frais annuels
CHF 80
1ère année
CHF 40
Taux de récompense
-
Frais FX
2.5%
Frais & Coûts
Frais & Coûts
Frais annuels la première année
CHF 40
Frais annuels (après la première année)
CHF 80
Frais de change
2.5%
Retrait d'Espèces (National)
4% (min CHF 10)
Retrait d'Espèces (International)
6.5% (min CHF 10)
Frais de Retard
CHF 30
Cartes supplémentaires
CHF 40/carte/an
Programme de Récompenses
Programme de Récompenses
Type de récompense
Points
Taux de récompense de base
-
Assurance & Protection
Assurance & Protection
Couverture d'assurance voyage
Pas d'assurance voyage
Couverture d'assurance médicale
Pas de couverture médicale
Protection des achats
Pas de protection des achats
Caractéristiques de la Carte
Caractéristiques de la Carte
Réseau de la Carte
American Express
Type de Carte
Standard
Devise
CHF
Revenu minimum requis
CHF 25'000
Limite de dépenses mensuelles
CHF 25'000
Accès aux salons d'aéroport
Service de conciergerie
Caractéristiques Principales
- Optional membership in Pointup rewards program for additional benefits
- Minimum annual income requirement of CHF 25000
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
- 24-hour customer service support
- Comprehensive travel and medical insurance coverage included
Calculez si cette carte en vaut la peine pour vous
= CHF 30'000/year
Vous payez
CHF 80
par an
Vous recevez
CHF 0
valeur estimée
Bilan
CHF -80
coût supplémentaire
Calcul annuel :
Déplacez le curseur pour voir la valeur. Miles: 1,5 ct, points: 1 ct.
Note par Catégorie
Comparer avec d'autres cartes
Questions fréquemment posées
- Why does the BLUE card need a CHF 25,000 minimum income?
- Because Swisscard issues every Amex on a shared underwriting policy, not because BLUE is a premium card. CHF 25,000 gross is the floor; you'll also need a Swiss residence permit and a clean ZEK record. Below that, the application gets routed elsewhere.
- Does the BLUE card earn rewards by default?
- No, Pointup costs extra. The base card is rewards-free; you only earn points if you opt in to Pointup for an additional annual fee. Most cardholders skip it because the math rarely beats a free cashback card.
- What does it cost to use BLUE at a foreign ATM?
- 6.50% with a CHF 10 minimum, well above the shopping-segment average of 5.46%. A CHF 200 withdrawal in Paris costs you CHF 13 plus FX. Use a debit card for cash, the Amex for purchases.
Comment nous avons noté cette carte
Vous vous demandez pourquoi Swisscard American Express BLUE a obtenu ce score ? On note les cartes Shopping avec une formule pondérée. Voici ce qui compte :
Même formule pour toutes les cartes de cette catégorie. Sans exception.
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