# 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:** 7
**Author:** ![assemblyrequired](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/assemblyrequired/32/11088_2.png) [@assemblyrequired](https://forum.mustachianpost.com/u/assemblyrequired)\ **Post date:** [December 31, 2023, 8:37am UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963/141 "2023-12-31T08:37:17Z")
> [@Polo](#): > > if you use LSV method as payement of the monthly credit card bill for swiss cashback cards, just noticed that they debit your account approx. 1 week before they send you the bill via their e-service portal… So no time to check the payments made with the cards before your account gets charged. I just ordered my cashback card and then stumbled upon this old reply. Does anyone get debited via LSV a week **before** they receive their statements? I use LSV with my current cards, and for both I receive the statement about a day after the monthly period closes, and the amount gets deducted 2 weeks later. So plenty of time to check. ---
**Author:** ![assemblyrequired](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/assemblyrequired/32/11088_2.png) [@assemblyrequired](https://forum.mustachianpost.com/u/assemblyrequired)\ **Post date:** [December 31, 2023, 10:57am UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963/143 "2023-12-31T10:57:25Z")
> [@Dr.PI](#): > > For LSV you have to submit a form to your bank True. What does that have to do with my question? ---
**Author:** ![bowtiesarecool](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/b/bb73d2/32.png) [@bowtiesarecool](https://forum.mustachianpost.com/u/bowtiesarecool)\ **Post date:** [April 24, 2024, 9:11pm UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963/144 "2024-04-24T21:11:45Z")
A little disappointed with this card. I’ve tried using it in many places and most of the time I’ve had to switch to a different card. Nice to know that it works on [booking.com](http://booking.com) and digitec/galaxus but for the past year my transaction with it are primarily coop/migros. I don’t even shop in these places much. ---
**Author:** ![Karol](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/karol/32/1408_2.png) [@Karol](https://forum.mustachianpost.com/u/Karol)\ **Post date:** [April 25, 2024, 5:53pm UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963/145 "2024-04-25T17:53:08Z")
Amex is not accepted everywhere, if you realise that most of your spending is currently done by Visa/Mastercard, that probably a Mastercard with 1% cashback would be better for you - options: - Certo 1% for selected stores, but actuall cashback payed out in cash, - [Ikea Faimly credit card](https://www.ikea.com/ch/en/customer-service/services/finance-options/ikea-family-credit-card-pub4af3bff0) all stores apart from IKEA, but the cashback is paid in IKEA vouchers ---
**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:** [April 25, 2024, 8:45pm UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963/146 "2024-04-25T20:45:45Z")
> [@Karol](#): > > [Ikea Faimly credit card](https://www.ikea.com/ch/en/customer-service/services/finance-options/ikea-family-credit-card-pub4af3bff0) all stores apart from IKEA _Including_ transactions at IKEA, too. My monthly bill also clearly states that. Great thing about the IKEA card is Mastercard acceptance - and that you can use the vouchers you receive for your points to buy household items that are actually useful or need replacement - at often reasonable prices. Redeeming a dozen or so CHF 5,- vouchers (each with its own 4-digit PIN code) at a time can feel slightly cumbersome though, especially when they have to help you to continue at the self-checkout after you made a mistake, ![IKEA](https://forum.mustachianpost.com/uploads/default/original/2X/6/6d729d692e5c7b8cdb44cf15276bf221586fcd91.jpeg) ---
**Author:** ![Karol](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/karol/32/1408_2.png) [@Karol](https://forum.mustachianpost.com/u/Karol)\ **Post date:** [April 25, 2024, 10:24pm UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963/147 "2024-04-25T22:24:50Z")
Good to know, thanks for the hint @San_Francisco - I based my statement on (and I have never tried): > You earn one IKEA point for every Swiss franc spent on transactions not involving IKEA Switzerland. Get one IKEA voucher worth CHF 5. More information at ikea.ch/creditcard from [this brochure - note “1”](https://www.cembra.ch/~/media/docs/en/assets/docs/cards/IKEA/IKEA-Willkommensbroschuere-EN.pdf), and used Amex in IKEA 🙂 and IKEA card where only Mastercard was accepted. ---
**Author:** ![Abs\_max](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/abs_max/32/12379_2.png) [@Abs\_max](https://forum.mustachianpost.com/u/Abs_max)\ **Post date:** [April 26, 2024, 5:57am UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963/148 "2024-04-26T05:57:14Z")
I think AMEX is not very useful in Switzerland simply because lot of places cannot accept it. Certo (Cembra) works everywhere and you get between 0.33% to 1% cashback (depending on vendor selection by you) So the main question for you will be if you normally shop at places where AMEX is accepted or where AMEX is not accepted. That should drive the decision ---
**Author:** ![bowtiesarecool](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/b/bb73d2/32.png) [@bowtiesarecool](https://forum.mustachianpost.com/u/bowtiesarecool)\ **Post date:** [April 26, 2024, 6:18am UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963/149 "2024-04-26T06:18:34Z")
How long are the expiration dates of the vouchers you receive? And can they be used at the restaurant there? ---
**Author:** ![SwissTeslaBull](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/swissteslabull/32/4479_2.png) [@SwissTeslaBull](https://forum.mustachianpost.com/u/SwissTeslaBull)\ **Post date:** [April 26, 2024, 6:20am UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963/150 "2024-04-26T06:20:12Z")
Off topic: PostFinance Gold for 100.- and 0.5% cashback is not too bad. ---
**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:** [April 26, 2024, 7:10am UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963/151 "2024-04-26T07:10:30Z")
> [@San\_Francisco](#): > > self-checkout self checkout at Ikea is a disgrace. Last year I spent most of my momney in Amex-compatible shops. If I really want to improve I should probably get a Certo for those 2-3 shops that don’t accept it. Actually a better investment would probably be a free EU credit card with cashback. ---
**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:** [April 26, 2024, 8:04am UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963/153 "2024-04-26T08:04:43Z")
I don’t go into shops that sells cigarettes because it gives the incentive to buy cigarettes and smoking gives cancer. ---
**Author:** ![Barto](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/b/e9c0ed/32.png) [@Barto](https://forum.mustachianpost.com/u/Barto)\ **Post date:** [April 26, 2024, 8:37am UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963/154 "2024-04-26T08:37:09Z")
> [@bowtiesarecool](#): > > How long are the expiration dates of the vouchers you receive? And can they be used at the restaurant there? IKEA confirmed to me it is now 10 years. It was much shorter when they first brought out the card Yes I believe they work in the restaurant. Just be prepared to redeem 5CHF tokens one by one with pin code (their problem for making it so complicated!) ---
**Author:** ![bowtiesarecool](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/b/bb73d2/32.png) [@bowtiesarecool](https://forum.mustachianpost.com/u/bowtiesarecool)\ **Post date:** [April 26, 2024, 8:48am UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963/155 "2024-04-26T08:48:18Z")
Thanks for answering! A lot longer than I expected (1 year). And if I remember correctly, it’s 1% with IKEA. Regarding the CHF5 vouchers, is it not connected to your family card account or application? There should be a better way rather than submitting CHF5 vouchers each with separate codes. ---
**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:** [April 26, 2024, 8:55am UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963/156 "2024-04-26T08:55:39Z")
> [@bowtiesarecool](#): > > Regarding the CHF5 vouchers, is it not connected to your family card account or application? No, it is not. And you can also redeem vouchers from another card holder. Those vouchers are basically 5 CHF gift cards, and I suspect they are implemented as such in the background. ---
**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:** [April 26, 2024, 8:59am UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963/157 "2024-04-26T08:59:02Z")
> [@ma0](#): > > If I really want to improve I should probably get a Certo for those 2-3 shops that don’t accept it. The rate of non-accepting shops and particularly restaurants higher for me. > [@Compounding](#): > > I don’t use cashback cards because it gives me the incentive to spend more due to “alluring” 1% cashback. If anything, it’s rather an argument for not using cards at all. I certainly don’t spend more to receive 1% of it as Cashback. > [@Barto](#): > > IKEA confirmed to me it is now 10 years. It was much shorter when they first brought out the card Heard that too. Haven’t seen an expiry date. > [@Barto](#): > > Just be prepared to redeem 5CHF tokens one by one with pin code (their problem for making it so complicated!) They didn’t ask me for PIN in the restaurant (but do, of course, at self-checkout). > [@anneaun](#): > > And you can also redeem vouchers from another card holder. > Those vouchers are basically 5 CHF gift cards …but gift cards can be redeemed by someone else?! ---
**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:** [April 26, 2024, 9:01am UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963/158 "2024-04-26T09:01:03Z")
> [@San\_Francisco](#): > > gift cards can be redeemed by someone else?! Sure, why not? My partner and I exchange those IKEA vouchers all the time… ---
**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:** [April 26, 2024, 9:02am UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963/159 "2024-04-26T09:02:42Z")
> [@San\_Francisco](#): > > restaurants Restaurants are indeed the “problem”. I sometimes pay in cash as a way to give them a 2-3% tip. Not using Amex is probably also a kind-of tip if you see what I mean. An Ikea CC would be better since the bonus is paid by Ikea and not by the CC or restaurants. I might reconsider using my Ikea CC more and not only for flights. I just don’t buy that much stuff there. Maybe we should organize a marketplace for them 😃 ---
**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:** [April 26, 2024, 9:02am UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963/160 "2024-04-26T09:02:56Z")
> [@Karol](#): > > I based my statement on (and I have never tried): > > > You earn one IKEA point for every Swiss franc spent on transactions not involving IKEA Switzerland. Get one IKEA voucher worth CHF 5. More information at ikea.ch/creditcard > > from [this brochure - note “1”](https://www.cembra.ch/~/media/docs/en/assets/docs/cards/IKEA/IKEA-Willkommensbroschuere-EN.pdf), and used Amex in IKEA 🙂 and IKEA card where only Mastercard was accepted. Their link back to the web site does not contain the restriction to outside of IKEA (anymore). > [@ma0](#): > > Actually a better investment would probably be a free EU credit card with cashback. Such cards wouldn‘t be financially viable (for issuers) at a 1% cashback rate, given that EU credit card interchange on consumer cards (for four-party systems like Visa & Mastercard) is capped at 0.3%. ---
**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:** [April 26, 2024, 9:10am UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963/161 "2024-04-26T09:10:06Z")
> [@anneaun](#): > > Sure, why not? My partner and I exchange those IKEA vouchers all the time… I misread (in a bit of hurry), sorry. 🙂 Can confirm they seem to work like normal gift cards. ---
**Author:** ![Wolverine](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/wolverine/32/3315_2.png) [@Wolverine](https://forum.mustachianpost.com/u/Wolverine)\ **Post date:** [April 26, 2024, 10:03am UTC](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963/163 "2024-04-26T10:03:41Z")
> [@ma0](#): > > I sometimes pay in cash as a way to give them a 2-3% tip. Not using Amex is probably also a kind-of tip if you see what I mean. As an aside, if you let a tip when leaving a restaurant/café, it goes to the waiter(s) and sometimes it’s shared with the cooks. If you lower their fees by not paying with an Amex, the benefit goes to the managers. I like to pay cash/with debit cards/twint for some small local shops/restaurants that I want to support, the rest of the time, I either use the Cashback Amex or the Certo! Mastercard. [Previous page](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963.md?page=6) [Next page](https://forum.mustachianpost.com/t/amex-credit-card-from-swisscard-with-1-cashback/1963.md?page=8)