Unsere Einschätzung zur UBS Optimus Foundation Charity Card Visa
0.3% of your spending supports children's education and health worldwide. A card with purpose.
The UBS Optimus Foundation Charity Card Visa channels a portion of every purchase toward the UBS Optimus Foundation's programs for children. At CHF 100 annually, the card comes bundled as a dual-card set with the Mastercard version, so you get both networks for one fee. The features are basic, but the charitable impact is what differentiates it. See also the UBS Optimus Foundation Charity Mastercard.
How the Charitable Giving Works
0.3% of every purchase goes to UBS Optimus Foundation, supporting children's education, health, and protection programs globally. Spend CHF 30,000 a year and your card directs CHF 90 toward these causes automatically.
It's not the most efficient donation method, but it requires zero effort on your part. The giving happens passively with every transaction. For people who want their spending to have social impact, it's a built-in mechanism.
Card Features at a Glance
2 KeyClub points per CHF 1,000 provides modest rewards alongside the charitable function. The dual-card set means one CHF 100 fee covers both Visa and Mastercard, giving you full network flexibility.
Apple Pay and Google Pay work. 1.75% FX fee is standard. Additional cards cost CHF 25. No travel insurance is included. The feature set matches UBS's classic tier, with the charitable layer on top.
Direct Donations vs. Card-Based Giving
Direct donations offer full tax deductibility in Switzerland and let you choose exactly where your money goes. The card-based approach trades efficiency for convenience. You donate without thinking about it.
If maximizing charitable impact per franc is your goal, writing a check to your chosen charity is more effective. If embedding generosity into daily spending appeals to you, this card makes it effortless. Both approaches have merit.
The Bottom Line
One of Switzerland's few credit cards with a genuine charitable mission. Limited features, but the UBS Optimus Foundation impact is real. See our best credit cards in Switzerland guide for cards with stronger personal value.
Verdict: Choose this if supporting children's causes through everyday spending matters to you. For pure card features, other options deliver more.
VORTEILE
- Apple Pay compatible
- Contactless payments for convenient transactions
- Collaborates with Mastercard for enhanced usability and acceptance.
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
- 24-hour customer service support
NACHTEILE
- No welcome bonus
- No travel insurance
- No medical coverage
- No airport lounge access
- No concierge service
Kartendetails
Auf einen Blick
Jahresgebühr
CHF 100
1. Jahr
CHF 50
Prämiensatz
-
FX-Gebühr
1.75%
Gebühren & Kosten
Gebühren & Kosten
Jahresgebühr im ersten Jahr
CHF 50
Jahresgebühr (nach dem ersten Jahr)
CHF 100
Fremdwährungsgebühr
1.75%
Bargeldabhebung (Inland)
4% (min CHF 10)
Bargeldabhebung (Ausland)
5.75% (min CHF 10)
Verzugsgebühr
CHF 30
Zusatzkarten
CHF 25/Karte/Jahr
Prämienprogramm
Prämienprogramm
Prämientyp
No rewards
Basis-Prämiensatz
-
Versicherung & Schutz
Versicherung & Schutz
Reiseversicherungsschutz
Keine Reiseversicherung
Krankenversicherungsschutz
Keine medizinische Versorgung
Kaufschutz
Kein Käuferschutz
Kartenmerkmale
Kartenmerkmale
Kartennetzwerk
Visa
Kartentyp
Standard
Währung
CHF
Dual-Netzwerk
visa + mastercard
Mindesteinkommensanforderung
Keine Einkommensanforderung
Monatliches Ausgabenlimit
CHF 5'000
Zugang zu Flughafen-Lounges
Concierge-Service
Hauptmerkmale
- Collaborates with Mastercard for enhanced usability and acceptance.
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
- 24-hour customer service support
- Contactless payments for convenient transactions
- Online account access for easy management
Berechnen Sie, ob sich diese Karte für Sie lohnt
= CHF 30'000/year
Sie zahlen
CHF 100
pro Jahr
Sie erhalten
CHF 0
geschätzter Wert
Unterm Strich
CHF -100
Zusatzkosten für Vorteile
Jährliche Berechnung:
Verschieben Sie den Regler, um den Kartenwert zu sehen. Meilen: 1,5 Rp., Punkte: 1 Rp. (UBS-Punkte: 1 CHF).
Bewertung nach Kategorie
Mit anderen Karten vergleichen
Häufig gestellte Fragen
- Is the UBS Optimus Foundation Charity Card Visa a separate product from the Mastercard version?
- No. The Optimus charity package bundles both the Visa and Mastercard versions into one set under a single annual fee. Each additional card beyond that pair costs CHF 25 a year. Pick the network that matches your usual wallet rotation; you'll have access to both either way.
- How does the Optimus supplementary fee compare to UBS Gold?
- Optimus charges CHF 25 a year per supplementary card, vs UBS Gold's CHF 50 each. The Optimus tracks the Standard-tier supplementary pricing despite sitting at a premium price point. If you keep several family members on the program, that's CHF 25 saved per extra card per year compared with Gold.
So haben wir diese Karte bewertet
Sie fragen sich, warum UBS Optimus Foundation Charity Card Visa diese Bewertung hat? Wir bewerten Premium-Karten mit einer gewichteten Formel. Das zählt:
Gleiche Formel für jede Karte in dieser Kategorie. Keine Ausnahmen.
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