# AMEX Credit card from Swisscard with 1% cashback **URL:** \ **Category:** Banks, Insurances & Third Pillar\ **Created:** [March 14, 2019, 8:16pm UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963 "2019-03-14T20:16:26Z")\ **Posts on this page:** 20\ **Page:** 5
**Author:** ![Dr.PI](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/dr.pi/32/5299_2.png) [@Dr.PI](https://forum.mustachianpost.com/u/Dr.PI)\ **Post date:** [June 5, 2022, 8:21pm UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963/92 "2022-06-05T20:21:18Z")
> [@San\_Francisco](#): > > [Digitec doesn’t list](https://www.digitec.ch/en/paymentoptions) AMEX as a payment method, and if I remember it’s not available at checkout. I found it in my list of transactions, so … But actually it was via Paypal, that is true. > [@CHRad](#): > > How does this behave with the clause that you pay like 2.5% on top for CHF payments outside of Switzerland I don’t have these extra charges, and I would definitely stopped using AMEX in question for these providers if there would be any. ---
**Author:** ![San\_Francisco](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/s/ea5d25/32.png) [@San\_Francisco](https://forum.mustachianpost.com/u/San_Francisco)\ **Post date:** [June 5, 2022, 8:33pm UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963/93 "2022-06-05T20:33:55Z")
> [@Dr.PI](#): > > I found it in my list of transactions, so … > But actually it was via Paypal, that is true. ![Screenshot 2022-06-05 at 22.26.41](https://forum.mustachianpost.com/uploads/default/original/2X/0/0289eac9cc3add962f8a58a06f687be94a3eaa38.jpeg) Will try PayPal next time. Do they (PayPal) charge your credit card from within Switzerland? EDIT: May usual plan is to buy with Galaxus vouchers at 11-18% rebate from Optiopay. ---
**Author:** ![Dr.PI](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/dr.pi/32/5299_2.png) [@Dr.PI](https://forum.mustachianpost.com/u/Dr.PI)\ **Post date:** [June 5, 2022, 9:44pm UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963/95 "2022-06-05T21:44:12Z")
> [@CHRad](#): > > I didn’t make this up, that’s in their terms of service. I know, but being Swiss resident and paying in CHF to uber, booking, Airbnb, I have no extra charges. ---
**Author:** ![Dr.PI](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/dr.pi/32/5299_2.png) [@Dr.PI](https://forum.mustachianpost.com/u/Dr.PI)\ **Post date:** [June 6, 2022, 8:05am UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963/97 "2022-06-06T08:05:46Z")
Well I think it is not so straightforward. I guess all big international companies billing you in CHF has some kind of Swiss bank account, or whatever, so when you pay to them, your transaction is in Switzerland, no foreign transfer fees. But if it is a small online shop showing you prices in CHF but debiting you from a non-Swiss account, it is a foreign transaction and you are slapped with a fee. There were stories like that in this forum. ---
**Author:** ![Dr.PI](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/dr.pi/32/5299_2.png) [@Dr.PI](https://forum.mustachianpost.com/u/Dr.PI)\ **Post date:** [June 6, 2022, 4:39pm UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963/98 "2022-06-06T16:39:03Z")
4 posts were merged into an existing topic: [Zak deals - nice addition](https://forum.mustachianpost.com/t/zak-deals-nice-addition/2001/9) ---
**Author:** ![Mac](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/m/cc9497/32.png) [@Mac](https://forum.mustachianpost.com/u/Mac)\ **Post date:** [June 16, 2022, 3:19pm UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963/99 "2022-06-16T15:19:32Z")
What about Cashback card and [booking.com](http://booking.com), but in another country? I had one case with Cummulus card, with witch I booked hotel on [booking.com](http://booking.com) in Italy and even though the currency was CHF, Cummulus took provision for foreign transaction. How ist that working with AMEX card? Anyone had that experience? ---
**Author:** ![ma0](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/ma0/32/3259_2.png) [@ma0](https://forum.mustachianpost.com/u/ma0)\ **Post date:** [June 16, 2022, 3:23pm UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963/100 "2022-06-16T15:23:51Z")
I think 100% of the CC have that problem. Let me google it. Edit: here it is: > **[Cashback Cards – the free Swiss credit cards](https://www.cashback-cards.ch/en/cards)** > > Discover our free Cashback credit cards for your everyday purchases and vacations. Each use of your cards is rewarded with up to 1% cashback. Find out more now! ![image](https://forum.mustachianpost.com/uploads/default/original/2X/2/2e126f1666d85ea0d109713c26fbc1a60efd2886.png) tldr; don’t use it abroad or with foreign companies ---
**Author:** ![Dr.PI](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/dr.pi/32/5299_2.png) [@Dr.PI](https://forum.mustachianpost.com/u/Dr.PI)\ **Post date:** [June 16, 2022, 3:36pm UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963/101 "2022-06-16T15:36:43Z")
> [@Mac](#): > > Anyone had that experience? Doing the same thing, never got any fees with amex. However I would prefer to have prices in original currency and pay it with a Revolut card. But I can’t. Or at least I didn’t find how to do it. I am sure they put their own currency exchange margin of couples percents. Still a good deal for most common mortals, but not for me. ---
**Author:** ![Mac](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/m/cc9497/32.png) [@Mac](https://forum.mustachianpost.com/u/Mac)\ **Post date:** [June 16, 2022, 4:11pm UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963/102 "2022-06-16T16:11:05Z")
Did you try using VPN? I think I compared that once and there was no hidden conversion fees between currencies. But I will check it deeper and post some screenshots ---
**Author:** ![Mac](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/m/cc9497/32.png) [@Mac](https://forum.mustachianpost.com/u/Mac)\ **Post date:** [June 16, 2022, 7:23pm UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963/103 "2022-06-16T19:23:29Z")
I checked it. They charge around 2.2% for conversion from EUR to CHF. ---
**Author:** ![dbu](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/dbu/32/1552_2.png) [@dbu](https://forum.mustachianpost.com/u/dbu)\ **Post date:** [June 17, 2022, 6:07am UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963/105 "2022-06-17T06:07:36Z")
I did have this situation (purchase nominated in CHF, getting charged in another currency, e.g. GBP) a few years back. And getting charged by MC/UBS extra 2% or so for the forex. Don’t recall if it was booking, easyjet or some other holiday stuff… Then I learned my lesson and ever since just pay for anything having to do with a company that’s not situated in CH - using Revolut. ---
**Author:** ![ma0](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/ma0/32/3259_2.png) [@ma0](https://forum.mustachianpost.com/u/ma0)\ **Post date:** [June 17, 2022, 6:45am UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963/107 "2022-06-17T06:45:32Z")
> [@dbu](#): > > I learned my lesson A reminder for when using any credit card is to always get the price in the local currency. Refuse any other currency when paying in person. Online it’s different. You can compare prices if it’s possible to switch currency. If the currency is fixed, it might be tricky to understand which company will trigger the 2.5% increase. I thought the bank account location, but I’m not that sure. Anyway the real scam happens usually in person. Alway pay in local currency (and let your CC/bank do the rest). ---
**Author:** ![dbu](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/dbu/32/1552_2.png) [@dbu](https://forum.mustachianpost.com/u/dbu)\ **Post date:** [June 17, 2022, 8:37am UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963/108 "2022-06-17T08:37:47Z")
> [@Patron](#): > > I prefer to have as less cards and apps as possible and Revolut would be just again another app, another card I get your point on simplicity, but it’s really just a 2nd card that is more than useful when being anywhere outside of Switzerland. You pay for everything abroad using your CHF credit card? And loading it up (if you haven’t planned before the trip) takes literally 2 clicks within the app and is instant (via CC). Not that much of a hassle as you paint it, at least for me. ---
**Author:** ![Mac](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/m/cc9497/32.png) [@Mac](https://forum.mustachianpost.com/u/Mac)\ **Post date:** [June 17, 2022, 1:15pm UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963/112 "2022-06-17T13:15:35Z")
One more useful tip - you get 3% cashback (additionally to the card cashback) if you use booking with Rabattcorner: [Booking.com: Cashback und Rabatte für Hotelbuchungen - Rabattcorner](https://www.rabattcorner.ch/booking.html) ---
**Author:** ![San\_Francisco](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/s/ea5d25/32.png) [@San\_Francisco](https://forum.mustachianpost.com/u/San_Francisco)\ **Post date:** [June 17, 2022, 4:38pm UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963/113 "2022-06-17T16:38:46Z")
> [@Mac](#): > > you get 3% cashback (additionally to the card cashback) Not sure if it was [booking.com](http://booking.com) (it may have very well been them) or some other site, but… I‘ve definitely seen OTA sites on which the cashback portal offer yielded a higher price than coming from price comparison websites - on the same OTA. Example: OTA coming from cashback portal I was registered with and logged in: 100€, 2% cashback Same OTA coming from price comparison site: 95€, no cashback. ---
**Author:** ![Myfirstme](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/m/b38774/32.png) [@Myfirstme](https://forum.mustachianpost.com/u/Myfirstme)\ **Post date:** [June 18, 2022, 5:16am UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963/114 "2022-06-18T05:16:11Z")
Regarding the surcharge for non-Swiss sellers, I had this twice even when paying in CHF. One a webshop with Swiss page and prices, but delivery from the Eurozone. And then with Uber eats, paying via Paypal and the Amex. My conclusion was to use the Amex only for Swiss CHF transactions. That does make my set-up a bit complicated: Amex Cashback for Swiss CHF, when accepted Migros Cumulus when not Neon for all foreign transactions (even though I don‘t like them) I‘m still hoping that the Cumulus Cembra split will lead to other attractive offers that might make my set-up easier and allows me to replace Neon. ---
**Author:** ![Leonidasgr](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/l/b4bc9f/32.png) [@Leonidasgr](https://forum.mustachianpost.com/u/Leonidasgr)\ **Post date:** [July 26, 2022, 2:42am UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963/116 "2022-07-26T02:42:53Z")
Hello guys, Just a question about Swisscard (not sure if was already discussed on another thread…) What is this 1.95 chf monthly fee for paper statements? I never saw that (or maybe not realized that beforehand) and I only use the app (no hardcopy or other monthly paper statements) Is there an option to deactivate the monthly statement fee?? ---
**Author:** ![anneaun](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/anneaun/32/15444_2.png) [@anneaun](https://forum.mustachianpost.com/u/anneaun)\ **Post date:** [July 26, 2022, 6:21am UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963/117 "2022-07-26T06:21:51Z")
In the Swisscard app you have to navigate to Service \> Statement Delivery You can then activate/deactivate the paper statements. Note that you pay the monthly fee only for the delivery of paper statements and that the option is activated by default (even if you have installed the app). ---
**Author:** ![Myfirstme](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/m/b38774/32.png) [@Myfirstme](https://forum.mustachianpost.com/u/Myfirstme)\ **Post date:** [July 26, 2022, 9:22am UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963/118 "2022-07-26T09:22:42Z")
> [@anneaun](#): > > and that the option is activated by default (even if you have installed the app). Which is a very good point. It’s kind of sneaky, they try to trip you over and having the option activated even if you have no interest in that. Do check that if you reinstall the app or get a new card or anything else changes. They do like to reactivate that option. ---
**Author:** ![Patirou](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/p/439d5e/32.png) [@Patirou](https://forum.mustachianpost.com/u/Patirou)\ **Post date:** [July 26, 2022, 9:30am UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963/119 "2022-07-26T09:30:12Z")
> [@Myfirstme](#): > > they try to trip you over and having the option activated even if you have no interest in that. I think it is more a regulatory thing. The default must be paper, unless you explicitly said no. (Same when opening an account at the bank). [Previous page](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963.md?page=4) [Next page](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963.md?page=6)