Best bank cards 2023

If you want to have your credit card from the same bank as your bank account: Choose the high street you like most and that is nearest to you. Could be a cantonal bank, Raiffeisen, Postfinance, even UBS or Credit Suisse.

If you want to maximise Cashback domestically, you may want to look into Swisscard’s Cashback Cards duo. I also like the IKEA Mastercard for its cashback and insurances (and it’s a Mastercard, not the less accepted AMEX).

Otherwise, I still stand by my recommendation of the Migros Cumulus credit card as probably the single best all-around card for Swiss consumers.

Irrespective of any cashback or miles/points, I like to have and recommend…

  • at least two credit cards when travelling abroad, for off-the-grid, rental and hotel use
  • at least one card allowing cheap transactions abroad or in foreign currency (could be a debit card)
  • one card allowing for cheap cash withdrawals, in Switzerland and abroad
  • one card “for the beach”, nightlife or more dubious online shops, that doesn’t get a big headache even when compromised (stolen and my code spied out)

:point_right: …and the Migros Cumulus Visa - while I suspect it won’t have the best FX rates - covers the first three reasonably well - in just one card. Without annual fee.

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