This thread goes beyond discussing only the Cumulus credit card and provides some good and recent advice on other cards too.
EDIT: The Poinz credit cards seem to mirror the Cashback card duo (1% Amex, 0.25% Visa) and they’re issued by the same issuer, Swisscard AECS. I know at least a couple of restaurants that have recently stopped accepting AMEX though.
Certo One provides 1% cashback on a Mastercard with three merchants of your choice (from about 20). But keep in mind that Denner, Migros, Coop and SBB - which arguably receive most of the day-to-day spend for many households - will accept AMEX just as well.
I’m applying for the IKEA Family credit card at the moment, which has 100 CHF sign-up bonus offer until the end of the year and (effectively) 1% cashback - paid in IKEA points/gift cards. I can surely find something to replace / buy for my household at good price at IKEA, if not eat at their restaurants. Additionally, forum member @Daniel made me aware that the card seems to have quite good insurance benefits (for a card without annual or monthly fees).
If you think of getting a card that is with Cembra (e.g. Certo) be aware that they don’t offer eBill. I assume they make it hard on purpose to pay your bills, so you forget and they can bill you 30 CHF of fees.
You probably have a LSV? But that’s very archaic and inflexible.
It’s 2022… I’m not going to print a paper, sign it, bring it to the bank to get it stamped, then send it to Cembra via paper mail! Why can’t that just be a function inside my eBanking that at least automatically sends that letter to Cembra.
How are you finding the Ikea credit card? It’s from cembra though right? Which means no ebill? I’m currently debating between the cumulus vs the ikea cc one as the single credit card. I saw your recommendation post but I was wondering if there are any updates after using the ikea cc
Edit. If using the cc outside of their respective stores, it looks like ikea cc is better with 1% compared to cumulus with 0.33% or did I calculate it incorrectly
Yeah, I don’t really see the cashback in general would amount to much but I thought 1% back to ikea would be better than 0.33% back to migros. I could always just go for a free breakfast or something.
However I read somewhere that the ikea coupons expire rather quickly which is a big no no for me. Tied to a store is one thing, being forced to buy something or lose the cashback due to an expiry date is not worth it. I guess I’ll shelve the idea
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