Valiant Visa Classic

First year at CHF 50, then CHF 100. Young Plus customers keep the half-price discount ongoing.

The Valiant Visa Classic delivers silver-tier rewards on the Visa network: 10,000 welcome points, Surprize point earning, and trip insurance for CHF 100 annually (first year CHF 50). Valiant also offers these benefits on their Mastercard Silver with identical terms. Young Plus members under 30 pay just CHF 50 every year, making this one of the more affordable silver cards available. See also the Valiant Mastercard Silver.

Is CHF 100 Worth It?

The numbers work if you travel even occasionally. 10,000 welcome points (roughly CHF 50 in value) cover half the first-year fee right away. After that, 1 Surprize point per CHF 1 spent keeps rewards building. CHF 20,000 in annual spending earns 20,000 points toward travel or merchandise.

Trip cancellation up to CHF 10,000 and CHF 7,500 trip interruption coverage add real protection. Young Plus customers pay just CHF 50 per year, which means the welcome bonus alone covers the entire first-year cost.

What Actually Stands Out

The Young Plus discount is the key attraction. Under-30 Valiant customers pay just CHF 50 annually, turning an average silver card into a genuinely affordable one. Mobile wallet support covers Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.

Trip insurance handles weekend getaways and holiday bookings with CHF 10,000 in cancellation protection. The 1.75% FX fee is standard across Swiss silver cards. For a full comparison of coverage, check our credit card insurance guide.

What Most Reviews Miss

There's no medical coverage abroad on this card. Trip cancellation and interruption are included, but if you get sick overseas, you need separate health insurance. That's typical for silver cards, but worth knowing before you assume you're covered.

The 1.75% foreign exchange fee won't save you money on international purchases. If you spend frequently in euros or dollars, cards with lower FX rates exist. This card works best for domestic spending with occasional travel protection.

The Bottom Line

A practical silver card for Valiant customers who want rewards and trip protection on the Visa network. The 10,000 welcome points offset the initial cost, and the Young Plus pricing makes it particularly compelling for under-30 cardholders. Compare alternatives in our best credit cards in Switzerland guide.

Verdict: Strong entry-level value, especially at the Young Plus rate of CHF 50 per year.