Swisscard Cashback Cards Visa

5% cashback for 3 months (up to CHF 100), then 0.25% ongoing. Free dual card with Amex.

The Swisscard Cashback Cards Visa comes as part of a free dual-card setup with Amex. The 5% welcome cashback (capped at CHF 100) is aggressive, but the 0.25% ongoing Visa rate is modest. The strategy: use Amex for 1% where accepted, fall back to Visa elsewhere. Network flexibility at zero cost.

Is It Worth Getting?

For the welcome bonus, yes. 5% cashback for first 3 months on Amex purchases (capped at CHF 100 total) means CHF 2,000 first-quarter Amex spending = CHF 100 back. That's meaningful first-quarter value on a free card.

The ongoing rates split: 0.25% on Visa, 1% on Amex. Use Amex where accepted (70-80% of merchants) for 4x the return. Visa becomes your backup for gaps.

What Actually Stands Out

The dual-card approach is practical. You get both Visa (universal acceptance) and Amex (higher cashback) at no cost. No juggling separate applications. The strategy is built-in: prioritize Amex, use Visa for gaps.

Apple Pay and Google Pay work on both. Unlimited free additional cards for family members. No annual fee ever.

What Most Reviews Miss

No travel insurance included. Optional insurance available for extra cost, but the base cards are rewards-only. For travelers, this is a significant gap compared to cards that include protection.

The 2.5% FX fee is high. International purchases cost you money. The cashback doesn't offset the FX fees on foreign spending. Use a different card for international transactions.

The Bottom Line

Good for the welcome bonus, practical dual-card setup for ongoing use. The Visa card's 0.25% rate is modest; the real value is the accompanying Amex at 1%. Compare alternatives in our best cashback credit cards in Switzerland guide.

Verdict: Worth getting for the 5% welcome period. Keep using Amex for better ongoing rates; Visa is your backup.