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Il Nostro Parere su 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.
PRO
- 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
CONTRO
- High annual fee (CHF 350)
- High foreign exchange fee (2.5%)
- No concierge service
Dettagli della carta
In sintesi
Quota annuale
CHF 350
1° anno
CHF 175
Tasso premi
1 punti/CHF
Comm. FX
2.5%
Bonus di benvenuto
30,000 points
Copertura assicurativa viaggio
CHF 300
Commissioni e Costi
Commissioni e Costi
Quota annuale primo anno
CHF 175
Quota annuale (dopo il primo anno)
CHF 350
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 150/carta/anno
Programma Premi
Programma Premi
Tipo di premi
Points
Tasso premi base
1 / CHF
Bonus di benvenuto
30,000 points
Assicurazione e Protezione
Assicurazione e Protezione
Copertura assicurativa viaggio
CHF 300
Copertura assicurativa medica
CHF 10,000
Protezione degli acquisti
CHF 2,000
Caratteristiche della Carta
Caratteristiche della Carta
Circuito della Carta
American Express
Tipo di Carta
Gold
Valuta
CHF
Requisito di reddito minimo
CHF 25,000
Limite di spesa mensile
CHF 30,000
Accesso alle lounge aeroportuali
Accesso alle lounge aeroportuali disponibile
Servizio di concierge
Caratteristiche Principali
- 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
Calcola se questa carta ne vale la pena per te
= CHF 30’000/year
Paghi
CHF 350
all'anno
Ricevi
CHF 700
valore stimato
In sintesi
+CHF 350
in tasca
Calcolo annuale:
CHF 30’000/yr × 1 points/CHF × 1 ct
30’000 points × 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
- What is the annual fee for the Swisscard American Express Gold Card?
- The Swisscard American Express Gold Card has a promotional first year fee of CHF 175, then CHF 350 per year afterwards.
- What are the foreign transaction fees for the Swisscard American Express Gold Card?
- The Swisscard American Express Gold Card charges a 2.5% foreign exchange fee on international transactions.
- What rewards does the Swisscard American Express Gold Card offer?
- The Swisscard American Express Gold Card offers points rewards at a base rate of 1 per CHF spent.
- What insurance coverage does the Swisscard American Express Gold Card include?
- The Swisscard American Express Gold Card includes travel insurance up to CHF 300 and medical coverage up to CHF 10,000 abroad.
- Does the Swisscard American Express Gold Card include airport lounge access?
- Yes, the Swisscard American Express Gold Card includes airport lounge access through Priority Pass or partner programs.
- Is the Swisscard American Express Gold Card compatible with Apple Pay?
- Yes, the Swisscard American Express Gold Card is fully compatible with Apple Pay for contactless mobile payments.
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