Whaaaaaat? transportation costs above the GA? Wow, you travel a lot. So why mentioning that you go by bike in Zurich?
Cumulus: I have a cumulus fidelity card, not credit card (but I plan to have a credit card too, it’s the only one in Switzerland with no yearly costs).
With the fidelitycard, on every purchase you do you get by default 1% back in terms of “points”. Once you have 500 points (500 CHF spent), you get 5 CHF discount.
But… every month or two you get coupons at home. Some of them have cumulus points multipliers. You usually get a 5x every 2 weeks. plus a lot of 2x here and there. A 5x is essentially 5% back in cash. Sometimes you get 10x on M-Electronics or other multipliers for other Migros shops like ExLibris, Micasa, AlNatura. If you don’t shop there regularly it’s not worth.