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Il Nostro Parere su 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.
PRO
- 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)
CONTRO
- High foreign exchange fee (2.5%)
- No welcome bonus
- No travel insurance
- No medical coverage
- No airport lounge access
- No concierge service
Dettagli della carta
In sintesi
Quota annuale
CHF 80
1° anno
CHF 40
Tasso premi
-
Comm. FX
2.5%
Commissioni e Costi
Commissioni e Costi
Quota annuale primo anno
CHF 40
Quota annuale (dopo il primo anno)
CHF 80
Commissione valuta estera
2.5%
Prelievo Contanti (Nazionale)
4% (min CHF 10)
Prelievo Contanti (Internazionale)
6.5% (min CHF 10)
Commissione Ritardo Pagamento
CHF 30
Carte aggiuntive
CHF 40/carta/anno
Programma Premi
Programma Premi
Tipo di premi
Points
Tasso premi base
-
Assicurazione e Protezione
Assicurazione e Protezione
Copertura assicurativa viaggio
Nessuna assicurazione viaggio
Copertura assicurativa medica
Nessuna copertura medica
Protezione degli acquisti
Nessuna protezione acquisti
Caratteristiche della Carta
Caratteristiche della Carta
Circuito della Carta
American Express
Tipo di Carta
Standard
Valuta
CHF
Requisito di reddito minimo
CHF 25'000
Limite di spesa mensile
CHF 25'000
Accesso alle lounge aeroportuali
Servizio di concierge
Caratteristiche Principali
- 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
Calcola se questa carta ne vale la pena per te
= CHF 30'000/year
Paghi
CHF 80
all'anno
Ricevi
CHF 0
valore stimato
In sintesi
CHF -80
costo extra
Calcolo annuale:
Sposta il cursore per vedere il valore. Miles: 1,5 ct, punti: 1 ct.
Valutazione per Categoria
Confronta con altre carte
Domande frequenti
- 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.
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