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Il Nostro Parere su Swisscard American Express Card
Membership Rewards points at 0.5 per CHF 1. The standard Amex for casual users.
The Swisscard American Express Card is the mid-tier entry to Membership Rewards. At CHF 140 annually, you earn transferable points to airlines and hotels, plus modest insurance. For casual Amex users who want rewards flexibility without premium pricing, it works. But the acceptance limitations and earning rate may disappoint serious optimizers.
Is CHF 140 Worth It?
The math is marginal. 1 Membership Rewards point per CHF 2 spent (0.5 points/CHF) is a modest earning rate. CHF 20,000 annual spending = 10,000 points, worth roughly CHF 50-100 depending on transfer partners. That barely covers the annual fee.
The value proposition improves if you're building toward Amex transfer partners. Miles and points enthusiasts can extract better value from transfers to airlines like Miles & More. But casual users may find cashback cards simpler.
What Actually Stands Out
The Membership Rewards program is the differentiator. Points transfer to airline programs, hotel chains, or redeem for statement credits. If you know how to maximize transfer partners, the flexibility has value.
CHF 150 flight delay coverage and CHF 750 purchase protection are modest but present. Better than Blue tier, not comprehensive. Apple Pay and Google Pay work. Compare all Swiss bonus programs in our rewards programs guide.
What Most Reviews Miss
American Express acceptance is limited. 70-80% coverage in Switzerland means gaps at smaller merchants, some restaurants, certain services. You need a Visa or Mastercard backup.
The 2.5% FX fee is high. International purchases cost you money. If you travel or shop abroad, this card works against you. Consider pairing with a low-FX card for foreign transactions.
The Bottom Line
A mid-tier Amex for casual Membership Rewards earning. The earning rate and acceptance limitations make it less compelling than Gold for serious users. Consider upgrading to Gold for better benefits if you're committed. Compare alternatives in our best credit cards in Switzerland guide.
Verdict: Decent for casual Amex users. Gold offers better value for committed Membership Rewards enthusiasts.
PRO
- Travel insurance coverage up to CHF 150
- Apple Pay compatible
- Contactless payments for convenient transactions
- 1 Membership Rewards point for every 2 Swiss francs spent
- Up to 150 CHF coverage for flight delays
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
CONTRO
- High annual fee (CHF 140)
- High foreign exchange fee (2.5%)
- No welcome bonus
- No medical coverage
- No airport lounge access
- No concierge service
Dettagli della carta
In sintesi
Quota annuale
CHF 140
Tasso premi
0.5 punti/CHF
Comm. FX
2.5%
Copertura assicurativa viaggio
CHF 150
Commissioni e Costi
Commissioni e Costi
Quota annuale primo anno
CHF 140
Quota annuale (dopo il primo anno)
CHF 140
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 75/carta/anno
Programma Premi
Programma Premi
Tipo di premi
Points
Tasso premi base
0.5 / CHF
Assicurazione e Protezione
Assicurazione e Protezione
Copertura assicurativa viaggio
CHF 150
Copertura assicurativa medica
Nessuna copertura medica
Protezione degli acquisti
CHF 750
Caratteristiche della Carta
Caratteristiche della Carta
Circuito della Carta
American Express
Tipo di Carta
Standard
Valuta
CHF
Requisito di reddito minimo
Nessun requisito di reddito
Limite di spesa mensile
-
Accesso alle lounge aeroportuali
Servizio di concierge
Caratteristiche Principali
- 1 Membership Rewards point for every 2 Swiss francs spent
- Up to 150 CHF coverage for flight delays
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
- Contactless payments for convenient transactions
- No income requirement
Calcola se questa carta ne vale la pena per te
= CHF 30'000/year
Paghi
CHF 140
all'anno
Ricevi
CHF 180
valore stimato
In sintesi
+CHF 40
in tasca
Calcolo annuale:
CHF 30'000/yr × 0.5 points/CHF × 1 ct
Sposta il cursore per vedere il valore. Miles: 1,5 ct, punti: 1 ct.
Valutazione per Categoria
Confronta con altre carte
Domande frequenti
- How much is the supplementary card?
- CHF 75 per year, one of the higher figures in the shopping segment where the average is around CHF 48. If your partner only uses it for groceries, you're better off issuing them a free Cumulus instead.
- How fast do Membership Rewards points add up on this card?
- 1 point per CHF 2 spent, so 0.5 points per franc. A typical Swiss household charging CHF 30,000 a year banks 15,000 MR points, redeemable across the Amex catalogue. Decent for airline transfers, mediocre for vouchers.
- Is there a spending limit?
- No fixed monthly cap. Your limit is set individually based on income, ZEK history, and how much you put on file. Useful when you want to drop CHF 20,000 on a kitchen renovation in one transaction.
Come abbiamo valutato questa carta
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