Last updated: August 2, 2026 · Credit cards compared: 15 · Data source: issuer product pages, recorded in the Buzdy database · cited pages where we hold them
Reviewed by Zia Shahid, Buzdy Banking Editor · Our methodology
? In this guide
Looking for a credit card in Switzerland in 2026? We hold verified data on 33 credit cards in Switzerland and show the top 15 here. Every figure below is printed from the record Buzdy holds for that product, taken from the issuer's own published material — where a bank does not publish a number, this guide says Not published rather than guessing. We link the exact issuer page under Sources for every product where we have recorded it; for the rest we hold the figure but not the page, and say so.
How this list is ordered. Ranked on the data we actually hold: cards with no annual fee first, then by how many benefits we can verify from the issuer's own product page, then by the lowest published interest rate, then by the lowest published minimum income. We then rotate one card per bank so a single issuer cannot fill the list.
This is not a complete list of every credit card sold in Switzerland. It is the set Buzdy has verified data for, from 8 issuers, as of August 2, 2026.
Quick Comparison: 15 Credit Cards in Switzerland
Side by side, in the order explained above. Tap any name for the full product page.
| Credit card | Bank | Annual fee | Interest rate | Verified benefits | Details |
|---|---|---|---|---|---|
| 1. Cumulus credit card | Migros Bank AG | No annual fee | 12% per month | Rewards points, Travel benefits, Supplementary cards | View → |
| 2. Swiss Bankers Travel | Basler Kantonal bank | No annual fee | 12% per month | Travel benefits | View → |
| 3. Credit Suisse Visa® Classic | Credit Suisse | CHF 100 | 12% per month | Rewards points, Travel benefits, Shopping offers, Entertainment | View → |
| 4. Credit Card Gold | Luzerner Kantonal bank | CHF 200 | 12% per month | Rewards points, Travel benefits, Shopping offers, Hotel offers | View → |
| 5. Platinum Credit Card | UBS Investment Bank | CHF 500 | 12% per month | Rewards points, Travel benefits, Shopping offers, Hotel offers | View → |
| 6. BCGE Mastercard or Visa | Banque cantonale de Genève | Not published | 12% per month | Rewards points, Travel benefits | View → |
| 7. Mastercard Gold | Berner Kantonalbank AG | CHF 200 | 12% per month | Rewards points, Travel benefits | View → |
| 8. Platinum Credit Card | Aargauische Kantonal bank | Not published | 12% per month | Airport lounge, Supplementary cards | View → |
| 9. Visa Free credit card | Migros Bank AG | No annual fee | 12% per month | Rewards points | View → |
| 10. Visa Gold International | Basler Kantonal bank | EUR 200 | 12% per month | Rewards points, Travel benefits | View → |
| 11. American Express® Gold Card | Credit Suisse | CHF 300 | 12% per month | Rewards points, Travel benefits, Shopping offers, Hotel offers | View → |
| 12. Gold International credit card | Luzerner Kantonal bank | EUR 200 | 12% per month | Airport lounge, Rewards points, Travel benefits, Shopping offers | View → |
| 13. Classic Credit Card | UBS Investment Bank | CHF 100 | 12% per month | Shopping offers, Entertainment, Hotel offers, Supplementary cards | View → |
| 14. BCGE Platinum Visa | Banque cantonale de Genève | Not published | 12% per month | Airport lounge | View → |
| 15. Mastercard Basic | Berner Kantonalbank AG | CHF 30 | 12% per month | Travel benefits | View → |
The 15 Credit Cards in Detail
1. Cumulus credit card
Bank: Migros Bank AG
- Annual fee: No annual fee
- Interest rate: 12% per month
- Minimum income: Not published
- Verified benefits: Rewards points, Travel benefits, Supplementary cards
The new Cumulus credit card is issued by Migros Bank. Apply for the new Cumulus credit card at any time and benefit from the many advantages.
2. Swiss Bankers Travel
Bank: Basler Kantonal bank
- Annual fee: No annual fee
- Interest rate: 12% per month
- Minimum income: Not published
- Verified benefits: Travel benefits
The Swiss Bankers Travel card is your reliable travel companion. Load your desired amount onto the card before you leave by phone or via the Swiss Bankers app. You pay cashless and contactless on the go, withdraw cash from ATMs in Germany and abroad and shop on the Internet.
3. Credit Suisse Visa® Classic
Bank: Credit Suisse
- Annual fee: CHF 100 (CHF100)
- Interest rate: 12% per month
- Minimum income: Not published
- Verified benefits: Rewards points, Travel benefits, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Your convenient means of payment at home and while traveling – at favorable conditions. With Credit Suisse Visa® Classic*, shop securely, flexibly, and conveniently worldwide and enjoy useful insurance protection.
4. Credit Card Gold
Bank: Luzerner Kantonal bank
- Annual fee: CHF 200 (CHF 200)
- Interest rate: 12% per month
- Minimum income: Not published
- Verified benefits: Rewards points, Travel benefits, Shopping offers, Hotel offers, Supplementary cards
You can make cashless payments worldwide and benefit from extensive additional services. The Gold credit card is available as a MasterCard or Visa. The card is half price for the first year.
5. Platinum Credit Card
Bank: UBS Investment Bank
- Annual fee: CHF 500 (CHF 500)
- Interest rate: 12% per month
- Minimum income: Not published
- Verified benefits: Rewards points, Travel benefits, Shopping offers, Hotel offers, Supplementary cards
UBS Platinum Credit Card is a premium metal card with Priority Pass for unlimited access to 1700+ airport lounges with a guest, concierge service, comprehensive travel insurance, Europcar Privilege Elite status with 20% discount, and UBS Key Club rewards on every purchase.
6. BCGE Mastercard or Visa
Bank: Banque cantonale de Genève
- Annual fee: Not published
- Interest rate: 12% per month
- Minimum income: Not published
- Verified benefits: Rewards points, Travel benefits
To pay worldwide without cash or for your purchases on the internet, a wide choice of credit cards, corresponding to your situation and your needs, with many advantages.
7. Mastercard Gold
Bank: Berner Kantonalbank AG
- Annual fee: CHF 200 (CHF 200)
- Interest rate: 12% per month
- Minimum income: Not published
- Verified benefits: Rewards points, Travel benefits
The Mastercard Gold offers you full flexibility, even for higher expenses. If you have a Private Account Plus with us, you can get the Mastercard Gold for half the price.
8. Platinum Credit Card
Bank: Aargauische Kantonal bank
- Annual fee: Not published
- Interest rate: 12% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Supplementary cards
With the exclusive AKB Platinum credit card, you are welcome around the world - and enjoy many convenient premium services for the discerning.
9. Visa Free credit card
Bank: Migros Bank AG
- Annual fee: No annual fee
- Interest rate: 12% per month
- Minimum income: Not published
- Verified benefits: Rewards points
The Migros Bank Visa Free credit card is your perfect shopping companion: It does not require an annual fee, protects you with online insurance, among other things, and lets you collect valuable Cumulus bonus points with every purchase.
10. Visa Gold International
Bank: Basler Kantonal bank
- Annual fee: EUR 200 (EUR/USD 200)
- Interest rate: 12% per month
- Minimum income: Not published
- Verified benefits: Rewards points, Travel benefits
With World Mastercard® Gold International and Visa Gold International you don't have to worry about exchange rates. You pay worldwide directly in EUR or USD, without any costs for conversion into CHF.
11. American Express® Gold Card
Bank: Credit Suisse
- Annual fee: CHF 300 (CHF 300)
- Interest rate: 12% per month
- Minimum income: Not published
- Verified benefits: Rewards points, Travel benefits, Shopping offers, Hotel offers, Supplementary cards
Enjoy financial flexibility with an American Express® Gold Card. Clients benefit from a wide range of services as well.
12. Gold International credit card
Bank: Luzerner Kantonal bank
- Annual fee: EUR 200 (EUR 200, USD 200)
- Interest rate: 12% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Rewards points, Travel benefits, Shopping offers, Hotel offers
Ideal if you often travel in the euro or US dollar currency area. You are independent of exchange rate fluctuations, as billing takes place via a euro or US dollar account at LUKB. The Gold International credit card is available as a MasterCard or Visa.
13. Classic Credit Card
Bank: UBS Investment Bank
- Annual fee: CHF 100 (100 CHF)
- Interest rate: 12% per month
- Minimum income: Not published
- Verified benefits: Shopping offers, Entertainment, Hotel offers, Supplementary cards
Our Classic Credit Card gives you flexible payment worldwide – with valuable additional benefits.
14. BCGE Platinum Visa
Bank: Banque cantonale de Genève
- Annual fee: Not published
- Interest rate: 12% per month
- Minimum income: Not published
- Verified benefits: Airport lounge
The Platinum credit card is intended for people with high requirements for their cashless payment transactions. It comes with exclusive privileges and premium services.
15. Mastercard Basic
Bank: Berner Kantonalbank AG
- Annual fee: CHF 30 (CHF 30)
- Interest rate: 12% per month
- Minimum income: Not published
- Verified benefits: Travel benefits
Get the Basic Mastercard free of charge with the private account Basic, private account Plus or private account Young.
7 Smart Tips Before You Apply
What banks won't put in their marketing — but every smart applicant should know.
- Compare APR, not just headline rates. The advertised "low interest" is usually a promo. The real cost is the Annual Percentage Rate (APR) after fees, balance transfer charges, and FX markups. A 1.5% monthly rate is actually ~19.6% APR.
- Read the small print on rewards. Banks advertise "5% cashback" but cap it at $20/month. After the cap, you earn 0.5%. Always check the monthly cap, eligible merchants, and minimum spend requirements.
- Know your credit profile before applying. Each rejected application damages your credit score. Use the bank's pre-qualification check (soft pull) before submitting a formal application (hard pull).
- Avoid cash advances at all costs. Cash advance APR is usually 5-10% higher than purchase APR, with no grace period and an upfront fee of 2-5% of the amount. Use only in emergencies.
- Set up direct debit for the full balance. Paying only the minimum (often 5% of balance) means interest accrues on the rest. A balance of $1,000 paid at minimum costs ~$1,400 in interest over 5 years.
- Use foreign-fee-free cards abroad. Standard cards charge 2-3% on every foreign transaction plus FX markup. Travel cards charge 0%. On a $3,000 holiday, that's $90 saved.
- Watch the annual fee waiver conditions. Many premium cards waive fees in year 1 only or require a minimum annual spend (e.g. $5,000) to keep the waiver. Set a reminder before renewal.
Common Mistakes to Avoid
The five most expensive errors people make with credit cards:
- Applying for too many cards at once. Each application is a hard credit pull. 3+ pulls in 6 months drops your score 30-50 points. Space out applications by at least 90 days.
- Only paying the minimum. If you have $5,000 balance at 24% APR and pay only the minimum (5%), you'll pay $1,500+ in interest before clearing the debt. Always pay in full when possible.
- Ignoring the fine print on welcome bonuses. "Get $200 cashback!" usually requires spending $3,000 in 90 days. Read the qualifying spend, the eligible categories, and the payout timeline.
- Not using benefits you've already paid for. If you pay a $400 annual fee for a card with airport lounge access, lost-baggage insurance, and concierge — use them. Most users don't claim 80% of what they paid for.
- Treating credit cards as free money. They're high-cost short-term loans. The minimum payment cycle is designed to keep you indebted for 7-10 years on average.
How to Choose the Right Credit card in Switzerland
- Annual fees — compare across banks, some offer zero fee for the first year
- Interest rates — lower rates save money if you carry a balance
- Rewards and benefits — match to your spending habits
- Eligibility — salary and documentation requirements vary by bank
- Digital access — mobile app, internet banking, contactless payments
- Customer support — 24/7 helpline, branch network, dispute resolution time
- Regulation — check the issuer's licence on the FINMA public register before you apply
Frequently Asked Questions: Credit cards in Switzerland
What is the best credit card in Switzerland for 2026?
The best credit card depends on your priorities — income level, spending habits, and eligibility. Use the comparison table above to filter by rate, benefits, and bank. For premium benefits with worldwide acceptance, look at Platinum tier cards. For low income requirements, classic tier cards offer easier eligibility. Compare the 15 products in this guide above.
What credit score do I need for a credit card in Switzerland?
Buzdy does not hold credit-score or credit-bureau data, and each bank sets its own threshold. None of the 15 products in this guide publish a minimum income requirement on their product page, so ask the bank directly before applying.
Can I apply online for a credit card in Switzerland?
Yes, most major banks in Switzerland now offer fully online applications. Tap "View" on any credit card above to start the application process directly with the bank.
What documents do I need?
Standard documents: valid government ID, tax identification number, proof of address (utility bill or rental agreement), latest 3 months of payslips (for salaried applicants) or 6 months of bank statements (self-employed), and a recent passport-size photograph. Exact requirements vary by bank.
Are these credit cards regulated and safe?
Retail banking in Switzerland is supervised by FINMA. Buzdy has not individually verified the licence status of each issuer on this page, so check the regulator’s own public register before you apply — and escalate an unresolved dispute there.
What annual fee do credit cards in Switzerland charge?
Of the 33 credit cards Buzdy lists for Switzerland, 21 publish an annual fee amount, from CHF 30 to CHF 900 with a median of CHF 200 (figures shown in CHF; a few are quoted in other currencies on their own pages). 3 are published as free and 9 do not publish a figure at all. Fees differ by bank and tier and change over time, so check the product page for its exact schedule.
Can I get a credit card if I am self-employed in Switzerland?
Yes. Self-employed applicants typically need: business registration, latest tax returns, 6 months of bank statements, and audited financials (for higher tiers). Approval rates are lower than for salaried applicants but several banks specifically cater to small business owners.
What happens if I default on payments?
Missed payments trigger late fees, a credit-score drop, and a higher interest rate going forward. After 90 days of non-payment, the account goes to collections and is reported to credit bureaus. Contact your bank BEFORE missing a payment if you have trouble — most banks offer hardship plans.
Related Guides for Switzerland
- All banks in Switzerland
- Bank branches across Switzerland
- Credit Cards In Switzerland 2026
- Personal Loans In Switzerland 2026
- Savings Accounts In Switzerland 2026
- Switzerland EMI calculator
- Switzerland savings calculator
How We Compare
Our editorial team reviews each product based on annual fees, interest rates, rewards programs, eligibility requirements, and verified bank disclosures. We update this comparison regularly to reflect the latest offers. Data is sourced from official bank websites and verified where regulatory filings are publicly available.
Buzdy compares products from 555 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
Disclosure: Buzdy may earn a referral commission when you apply through links on our site. Commissions never influence rankings. Read our full editorial standards.
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