Lidl and Aldi for example.
Side note regarding Amex: They keep the 1% for max 1 year. It’s not like the other cards that pays it back at the end of the month. They pay once per year (and if you cancel the card, you lose it)
I still don’t get why there are two Certo, other than the possibility to switch the 3 1% shops.
It also look like they site is wrong, since it doesn’t say that the 1% is temporary.
Edit: Maybe I misunderstood @Myfirstme comment. Only if you go from cumulus to certo you get the temporary 1%, but if you get a new certo one it’s forever.
Still who is getting a new Certo-only?
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Those sweet sweet 30 CHF for every customer that forgets to download and pay the PDF bill.
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With the left one you temporarily get 1% on everything, after that it’s only Migros, Coop and SBB.
While with the right one you get 1% on 3 shops that you can choose.
Overall switching from the Old-Cumulus is kinda the worse option… since with the new offer you get a signup bonus and you can freely choose your shops.
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IF I understood them correctly:
Old card switch-over (you must have a Cembra Cumulus Card): you get 1% on ALL transactions with everyone until end September and thereafter only with Migros, Coop & SBB
New card, you get that 1% only with your top-3 retailers (and a 50 CHF sign-up bonus)
EDIT 1: Was too slow
EDIT 2: Now the left card is better, from October the right one will be.
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Only if you spend like 5000 CHF until October, because with the new card you just get the 50 CHF without even needing to collect the 1% cashback.
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How did you argument to convince them?
True. If you wanted to optimize and assuming the sign-up bonus doesn’t change you could get both cards, the left now, the right later (or both now I guess).
Another small advantage of the left card, switching should be fast, with all settings as they are now (additional cards, direct debit).
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I’m leaning towards the new Cembra offer… I’m on direct debit so the e-bill is not a big deal.
The cashback appears clearly better, also you will be able to combine 1% cahsback on Migros/Coop with the Cumulus 1% cashback so that’s 2% cashback on Migros/Coop, 1% on CFF and 0.33% everything else.
Only downsides that remain
- foreign transactions are expensive, but for that I use my French credit card with no fees
- Insurance offer appears better with Viseca/Migros → there is no insurance with Cembra apparently…
Likewise.
I’ve just ordered the new card and will afterwards cancel my old Cumulus credit card.
New Certo One Mastercard + Swisscard Amex will be my setup for domestic transactions.
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So to sum up, there is now the new Visa offered by Migros, the new Cumulus card from Migros and Certo! from Cembra.
In the end, for a daily use, it seems to me that the Amex from Swisscard is still the best option (if 8 shops out of 10 accept the Amex card, from my experience it is the case).
In any case I would strongly advise against Cembra. I had very bad experiences with them and their administration is a disaster without a name…
Remain Cumulus VS Migros. Here Cumulus seems to me slightly superior in terms of offer compared to the Migros Visa card. Maybe Migros will update the conditions of their Visa card in order not to pejorate the customers who have cards and accounts with them.
Hey, I checked both the certo of cembra and the new migros cumulus and for me, it’s clear the migros is better because there is almost no fees !
I read in this thread there is a doubt about fee for payment from other countries but you can see it here : aperçudestarifs
It is clearly said there is none !
Yes, the exchange rate may be less favorable than neon or other but it’s clearly better than cembra who add 1.5% more !
And there is another thing : cembra add 3.75% more fee for every transactions regarding with casino, betting, loto, … that make it the worse card ever to use for buying crypto !
Others have mentionned it but the app for the migros is viseca, that’s another reason to ditch cembra and their horrible site…
then the question is, what is this amount of this surcharge ? If it’s less than 1.5%, then it’s still better than the certo cembra.
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I’d prefer using fewer cards, but it looks like that’s going to be my domestic set-up as well. Also reluctantly, for foreign transactions I am going to stay with Neon, for now. Neon & Co are still a good 1.5% cheaper than Migros for foreign transactions, that’s more money saved than you get as cashback with any of these cards.
For me honestly I don’t see a use for the new Migros Card. It’s worse for domestic transactions than either Swisscard Cashback or Cembra Certo and much worse than a combination of the two. It’s not even better for transactions at Migros, ironically.
And for foreign transactions the new Migros Card is better than your traditional bank credit card, but that’s saying very little. It’s about as good as CSX, AFAIK, and trails Yuh or even UBS key4, if you can stomach the ridiculous account fees of the latter. And it’s hopeless against Neon, Wise, Revolut, Kaspar&.
I’ve been with Cembra for a good 10 years now, probably. Maybe I’ve been lucky, but I never had a serious problem with them. Yes, I also forgot to pay a bill on time, before I had set-up direct debit, but the fee was waived after I called them.
They couldn’t tell me precisely when I called yesterday, but they charge twice: There is a surcharge on the exchange rate, just like with Migrosbank, and on top there is a transaction fee of 1.5%. So I would guess the total cost for foreign transactions with Cembra are something like 2-3%. Hopeless, obviously, which is why I see their card only for domestic transactions.
But as written above, the Migrosbank Card is itself far from competitive for foreign transactions. Which is why I basically see no use for it, unless you are dead set on having a single card for everything and happen to have just the right split of domestic/foreign transactions with which Migrosbank wins against, say, Neon, or Swisscard (I don’t know if such a split actually exists though).
I should try suing Migros for lie but i’m sure they would find a way to say that “none” in the fee field means in fact “none apart the fee we take from you” 
Guess I’ll stay with my combo Swisscard/Neon (domestic anf foreign respectively) for the time being…
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That’s how I understand/read it.
Certo gives you 1% on Migros (in cash) irrespective whether you have a Cumulus number. Just like the Swisscard/Amex.
In addition, using your Cumulus number is allowed when you pay, and you will get 1% (in Migros vouchers).
So total 2% !
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Where have you seen that it is 0% fee on foreign transactions? This is not what it is written on their “cards” page, under the Migros Free: Cartes - Banque Migros. It says 1.5%
Edit: found it: it is on the New Cumulus It actually says no fees for foreign transactions. Carte de crédit Cumulus | Cumulus
yep and let’s not forget that new migros card can use the “one” app with a great UI easy to use when cembra still relie on a old website…
Apart from that, I guess there is only the lower fee about late payment or other services with migros.
For me, that’s the only advantage of the Migros card over the Certo card. I would like to move away from cembra and their horrible website and apps, but looks like Certo is quite superior to the Migros bank.