Auch gut für
Unsere Einschätzung zur Swisscard American Express Gold Card
30,000 welcome points (worth CHF 300+), lounge access, and 1 point per CHF 1. Serious Amex for committed users.
The Swisscard American Express Gold Card is for committed Membership Rewards enthusiasts. At CHF 350 annually, you get 30,000 welcome points, 2 complimentary lounge visits, modest medical coverage, and double the earning rate of the standard card. If you can work around Amex acceptance limitations, the rewards potential is genuine.
Is CHF 350 Worth It?
For Membership Rewards enthusiasts, often yes. 30,000 welcome points are worth CHF 300+ when transferred to airline partners like Miles & More. 1 point per CHF 1 ongoing (double the standard card) means CHF 20,000 annual spending = 20,000 points.
The annual fee is payable with Membership Rewards points, creating flexible redemption options. If you value transfer partners, the math works. If you'd rather have cashback, Swisscard's cashback cards may suit better.
What Actually Stands Out
The Membership Rewards earning rate is the differentiator. 1 point per CHF 1 is competitive for Amex in Switzerland. Points transfer to airlines, hotels, or redeem for statement credits. The flexibility appeals to miles-and-points enthusiasts.
2 complimentary lounge visits annually through Priority Pass adds convenience. CHF 10,000 medical coverage abroad and CHF 300 flight delay coverage provide some protection, though not comprehensive. For a full breakdown of Priority Pass and LoungeKey cards, see our lounge access guide.
What Most Reviews Miss
CHF 10,000 medical coverage is modest for a gold card. Most Visa/Mastercard gold cards offer CHF 200,000-300,000. A serious medical emergency abroad would exceed this quickly. Consider additional travel insurance.
American Express acceptance limitations remain. 70-80% coverage means you need Visa/Mastercard backup. The 2.5% FX fee is high for international purchases.
The Bottom Line
A solid Amex for committed Membership Rewards users. The welcome bonus and earning rate justify the fee for points enthusiasts. The acceptance limitations and modest medical coverage are tradeoffs. Compare alternatives in our best premium credit cards in Switzerland guide.
Verdict: Worth it for Membership Rewards maximizers who can handle Amex acceptance gaps. Keep Visa/Mastercard backup.
VORTEILE
- 30000 welcome bonus points
- Travel insurance coverage up to CHF 300
- Up to CHF 10,000 coverage for medical expenses
- Airport lounge access
- Apple Pay compatible
- Contactless payments for convenient transactions
- 30000 welcome bonus Membership Rewards points
- Up to 300 CHF coverage for flight delays
NACHTEILE
- High annual fee (CHF 350)
- High foreign exchange fee (2.5%)
- No concierge service
Kartendetails
Auf einen Blick
Jahresgebühr
CHF 350
1. Jahr
CHF 175
Prämiensatz
1 Punkte/CHF
FX-Gebühr
2.5%
Willkommensbonus
30,000 points
Reiseversicherungsschutz
CHF 300
Gebühren & Kosten
Gebühren & Kosten
Jahresgebühr im ersten Jahr
CHF 175
Jahresgebühr (nach dem ersten Jahr)
CHF 350
Fremdwährungsgebühr
2.5%
Bargeldabhebung (Inland)
4% (min CHF 10)
Bargeldabhebung (Ausland)
6.5% (min CHF 10)
Verzugsgebühr
CHF 30
Zusatzkarten
CHF 150/Karte/Jahr
Prämienprogramm
Prämienprogramm
Prämientyp
Points
Basis-Prämiensatz
1 / CHF
Willkommensbonus
30,000 points
Versicherung & Schutz
Versicherung & Schutz
Reiseversicherungsschutz
CHF 300
Krankenversicherungsschutz
CHF 10'000
Kaufschutz
CHF 2'000
Kartenmerkmale
Kartenmerkmale
Kartennetzwerk
American Express
Kartentyp
Gold
Währung
CHF
Mindesteinkommensanforderung
CHF 25'000
Monatliches Ausgabenlimit
CHF 30'000
Zugang zu Flughafen-Lounges
Flughafen-Lounge-Zugang verfügbar
Concierge-Service
Hauptmerkmale
- 30000 welcome bonus Membership Rewards points
- Up to 300 CHF coverage for flight delays
- 10,000 Swiss francs medical treatment coverage for travelers up to age 80
- 2 complimentary airport lounge visits annually with discounted additional entries
- Annual fee can be paid with Membership Rewards points
Berechnen Sie, ob sich diese Karte für Sie lohnt
= CHF 30'000/year
Sie zahlen
CHF 350
pro Jahr
Sie erhalten
CHF 700
geschätzter Wert
Unterm Strich
+CHF 350
in Ihrer Tasche
Jährliche Berechnung:
CHF 30'000/yr × 1 points/CHF × 1 ct
30'000 points × 1 ct
Verschieben Sie den Regler, um den Kartenwert zu sehen. Meilen: 1,5 Rp., Punkte: 1 Rp.
Bewertung nach Kategorie
Mit anderen Karten vergleichen
Häufig gestellte Fragen
- How much does it cost to add a partner card to the Gold Card?
- CHF 150 a year per supplementary card, one of the highest in the Swiss premium segment where the average is CHF 55. For a couple charging CHF 30,000 jointly, the supp fee alone eats most of any rewards back.
- What's the foreign ATM cost?
- 6.50% with a CHF 10 minimum, identical to the BLUE card and well above the premium-segment average of 5.68%. The Gold gives you Membership Rewards and insurance, but no break on cash withdrawal pricing.
- What income do I need to qualify?
- CHF 25,000 gross per year minimum, with a Swiss residence permit and a clean ZEK. That's lower than most gold cards in Switzerland, so the Amex Gold is unusually accessible if you can stomach the annual fee.
- How are the 30,000 welcome points triggered?
- After hitting a qualifying spend in your first months. They post in one batch and don't expire while your Amex membership is active. If you cancel within the first year, watch for the clawback clause in the activation terms.
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