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Our Take on Valiant Visa Gold
Identical to Valiant Mastercard Gold. Same CHF 250,000 coverage, same Young Plus discount, different network.
The Valiant Visa Gold mirrors their Mastercard Gold exactly: same CHF 200 fee (half price with Young Plus), same CHF 250,000 medical coverage, same Priority Pass, same 20,000 welcome points. Your network choice is purely about personal preference.
Does Network Choice Actually Matter?
In Switzerland, Visa and Mastercard acceptance is virtually identical. Both work everywhere. The CHF 250,000 medical coverage works identically on both. The Priority Pass access (EUR 30/visit) is identical. The Young Plus discount applies to both.
Pick based on which network you don't already have.
What Actually Stands Out
Everything matches the Mastercard version. CHF 200 annual fee (half price with Young Plus). CHF 250,000 medical coverage. CHF 20,000 trip cancellation. Priority Pass at EUR 30/visit. 1 Surprize point per CHF 1. 20,000 welcome points.
Apple Pay, Google Pay work. Additional cards cost CHF 50.
What Most Reviews Miss
The products are interchangeable. Valiant offers both networks so customers have options. Neither Visa nor Mastercard offers better insurance, better earning, or better lounges.
The meaningful decision is whether Valiant Gold makes sense for your needs, not which network to choose.
The Bottom Line
Same solid gold card as Valiant Mastercard Gold, on Visa network. Compare alternatives in our best premium credit cards in Switzerland guide.
Verdict: Identical to Mastercard version. Choose Visa if you want network diversity.
PROS
- 20000 welcome bonus points
- Travel insurance coverage up to CHF 20,000
- Up to CHF 250,000 coverage for medical expenses
- Airport lounge access
- Apple Pay compatible
- Contactless payments for convenient transactions
- 1 Surprize point per CHF 1 turnover with a welcome bonus of 20,000 points
- Up to 20000 CHF coverage for trip cancellations
CONS
- High annual fee (CHF 200)
- No concierge service
Card Details
At a Glance
Annual fee
CHF 200
1st Year
CHF 100
Rewards rate
1 points/CHF
FX Fee
1.75%
Welcome bonus
20,000 points
Travel insurance coverage
CHF 20,000
Fees & Costs
Fees & Costs
First year annual fee
CHF 100
Annual fee (after first year)
CHF 200
Foreign exchange fee
1.75%
Cash Withdrawal (Domestic)
4% (min CHF 10)
Cash Withdrawal (International)
5.75% (min CHF 10)
Late Payment Fee
CHF 30
Additional Cards
CHF 50/card/year • Up to 9 cards
Rewards Program
Rewards Program
Rewards type
Points
Base rewards rate
1 / CHF
Welcome bonus
20,000 points
Insurance & Protection
Insurance & Protection
Travel insurance coverage
CHF 20,000
Medical insurance coverage
CHF 250,000
Purchase protection
CHF 1,000
Card Features
Card Features
Card Network
Visa
Card Type
Gold
Currency
CHF, USD, EUR
Minimum income requirement
No income requirement
Monthly spending limit
-
Airport lounge access
Airport lounge access available
Concierge service
Key Features
- 1 Surprize point per CHF 1 turnover with a welcome bonus of 20,000 points
- Up to 20000 CHF coverage for trip cancellations
- Up to CHF 250,000 coverage for medical expenses per incident while traveling (excluding Switzerland)
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
- Standard Priority Pass membership
Calculate If This Card Is Worth It for You
= CHF 30’000/year
You Pay
CHF 200
per year
You Get Back
CHF 750
estimated value
Bottom Line
+CHF 550
in your pocket
Annual calculation:
CHF 30’000/yr × 1 points/CHF × 1 ct
20’000 points × 1 ct
Move the slider to see how your spending affects the card's value. Miles: 1.5 ct, points: 1 ct.
Rating by Category
Compare to Other Cards
Frequently Asked Questions
- What is the annual fee for the Valiant Visa Gold?
- The Valiant Visa Gold has a promotional first year fee of CHF 100, then CHF 200 per year afterwards.
- What are the foreign transaction fees for the Valiant Visa Gold?
- The Valiant Visa Gold charges a 1.75% foreign exchange fee on international transactions.
- What rewards does the Valiant Visa Gold offer?
- The Valiant Visa Gold offers points rewards at a base rate of 1 per CHF spent.
- What insurance coverage does the Valiant Visa Gold include?
- The Valiant Visa Gold includes travel insurance up to CHF 20,000 and medical coverage up to CHF 250,000 abroad.
- Does the Valiant Visa Gold include airport lounge access?
- Yes, the Valiant Visa Gold includes airport lounge access through Priority Pass or partner programs.
- Is the Valiant Visa Gold compatible with Apple Pay?
- Yes, the Valiant Visa Gold is fully compatible with Apple Pay for contactless mobile payments.
How We Rated This Card
Wondering why Valiant Visa Gold got its score? We rate Premium cards using a weighted formula. Here's what counts:
Same formula for every card in this category. No exceptions.
See our full rating methodologyReady to Apply?
Apply for the Valiant Visa Gold today and start enjoying its benefits.