Let’s face it, with those cashback programs nothing is a “big deal”. For my spending pattern, the impact of this will be increase the gap to the Cashback cards by about 50.-, which is not a lot in the big scheme of things.
But adding to that the lack of e-Bill simply makes “simply having one Certo! card” vs. “managing a Cashback double” less attractive
True. We have both, Cashback cards are for myself, and Certo is for shared expenses.
My Certo credit card was not accepted by car rental company because they could not “verify” it is a real credit card. Somehow they have a list of issuers and cembra was not in the system. I have no idea how that works but that basically ruined my start of vacation. Does that mean I need a credit card of a big international bank to be sure I can rent a car? 
I used the Certo credit card (deposit) this summer for my car rental in Switzerland. It worked fine: they accepted it, and later charged me around CHF 800 on this card for damage that I clearly did not cause… 
(refund and charge back process is initiated…)
That is indeed interesting that it worked for you in Switzerland at least. The car company that declined was in Spain. I mean I am really not sure how to proceed when renting a car again. Probably call upfront and ask wheter they accept the xy credit card. But still I don’t get why they just cannot swipe the card and block the amount…
And sorry for the deductons for damages you didn’t do.
What does real credit card means? Certo one is as real as it gets.
That’s totally different from my experience, I rented a car in Italy, Germany, Spain and France and never had any issues. That seems to be an issue of the car rental shop you visited as the Cembra card is a real credit card and it should make absolutely no difference whether you have a mastercard from some tiny local bank or a large international bank, mastercard is mastercard.
mastercard credit is mastercard credit.
mastercard debit is mastercard debit.
So maybe Certo is considered a debit card for some odd reasons?
The certo cards from cembra are mastercard credit cards, I have a mastercard debit card from my cantonal bank at this one got not accepted by one of the car rentals.
When I rent a car I frequently use rentalcars.com (part of Booking).
There, when you click on “Important info”, below the car you choose.
In the “Security Deposit” part you will read something like:
At pick-up, the main driver will leave a refundable security deposit of €1,300.00 on their credit card. Cash and debit cards are not accepted.
Some of the providers accept a debit card. I pick those.
Or just use a Swisscard Mastercard, it’s free.
Off-topic but a tip that might be helpful: I always use the all-inclusive package and if not possible I use the cheapest option and use rentalcover.com for the insurance, it’s very cheap if you book it separately.
Should we update the combination ?
I am currently : WIR top package + Cashback cards Cashback Cards – cartes de crédit gratuites suisses avec jusqu’à 1% de Cashback
I am tempted to change credit card to Retour garanti. Certo! One Mastercard or https://www.migros.ch/fr/content/carte-de-credit-cumulus (nice free insurance coverage, no ?) or any other ?
No it’s a credit card
But why? It’s still the same as it was a year ago no?
If you regularly buy stuff at e.g. Lidl or Aldi, the Certo makes sense (because you only get 0.25% with Cashback Card there due to Amex not being accepted).
Otherwise Swisscard Cashback is still fine. At least for me it wouldn’t be worth the hassle to change (didn’t check nor trust the insurance though).
doesn’t it say mastercard or visa on it?
Thanks! I actually always book through check24.de, where I always choose the option with integrated insurance. I’m fully aware of the insurance scams run by most rental companies. In addition, my travel insurance would also cover me in such cases.
But anyway, when it comes to my case: the credit card company already approved the charge back even before the rental company admitted that they were wrong!
But thanks for the tip about rentalcover! (however, I see, as a Swiss, the countries they offer is very limited!)
(The dropdown only lists the most used countries, you have to type in the search bar to find more.)
Oh, I see, thank you very much for that hint (again!). It’s not very obvious with the dropdown list.