{"id":14669,"date":"2025-04-07T02:44:29","date_gmt":"2025-04-07T00:44:29","guid":{"rendered":"https:\/\/heyneo.ch\/overview-of-credit-cards-in-switzerland-the-local-comparative-guide-%f0%9f%87%a8%f0%9f%87%ad\/"},"modified":"2026-03-02T15:36:41","modified_gmt":"2026-03-02T14:36:41","slug":"swiss-credit-card-guide-comparison","status":"publish","type":"post","link":"https:\/\/heyneo.ch\/en\/news\/swiss-credit-card-guide-comparison\/","title":{"rendered":"Credit Cards in Switzerland: Comparison and Overview (2026)"},"content":{"rendered":"\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p style=\"font-size:18px\"><strong>There are dozens of credit cards available in Switzerland. Is it an interesting choice to optimize your finances? The answer is yes. An analysis conducted by moneyland.ch reveals that you can save several hundred francs per year by changing cards. This is the objective of this page: we explore the best credit card options available in Switzerland to explain them: free cards, premium cards, annual fees, cashback, bonus points, miles, insurance, customizable cards, etc.    <\/strong><\/p>\n<style>@import url(\"https:\/\/fonts.googleapis.com\/css?family=Raleway\");.gspb_text-id-gsbp-bb76f36{font-weight:400;}.gspb_text-id-gsbp-bb76f36{font-family:Raleway,sans-serif;}.gspb_text-id-gsbp-bb76f36{font-size:24px;}.gspb_text-id-gsbp-bb76f36{font-weight:bold!important;}.gspb_text-id-gsbp-bb76f36{margin-bottom:0px!important;}<\/style>\n<p id=\"gspb_text-id-gsbp-bb76f36\" class=\"gspb_text gspb_text-id-gsbp-bb76f36 \">How to save money with your credit card in Switzerland?<\/p>\n\n<p><br\/>With additional costs that can go <strong>up to <a href=\"https:\/\/binary.rts.ch\/emissions\/on-en-parle\/2024\/document\/28479668.html\/BINARY\/achatsetrangercarte.pdf\">4.5%<\/a><\/strong>, the variation in fees between bank cards is worth considering.<\/p>\n\n<p><strong>For maximum savings<\/strong>, your card system should cover all situations, regardless of frequency or regularity of use:<\/p>\n<style>#gspb_iconsList-id-gsbp-a97560c.gspb_iconsList .gspb_iconsList__item__text{margin-left:15px;}#gspb_iconsList-id-gsbp-a97560c.gspb_iconsList .gspb_iconsList__item{display:flex;flex-direction:row;align-items:center;position:relative;}#gspb_iconsList-id-gsbp-a97560c.gspb_iconsList .gspb_iconsList__item svg path{fill:#2184f9 !important}body #gspb_iconsList-id-gsbp-a97560c.gspb_iconsList .gspb_iconsList__item svg,body #gspb_iconsList-id-gsbp-a97560c.gspb_iconsList .gspb_iconsList__item img{margin-top:0px!important;margin-right:0px!important;margin-bottom:0px!important;margin-left:0px!important;}#gspb_iconsList-id-gsbp-a97560c.gspb_iconsList [data-id='0'] svg,#gspb_iconsList-id-gsbp-a97560c.gspb_iconsList [data-id='0'] svg path{fill:var(--wp--preset--color--vivid-green,#00d084) !important;}#gspb_iconsList-id-gsbp-a97560c.gspb_iconsList [data-id='0'] svg{margin:0px !important;}#gspb_iconsList-id-gsbp-a97560c.gspb_iconsList [data-id='1'] svg,#gspb_iconsList-id-gsbp-a97560c.gspb_iconsList [data-id='1'] svg path{fill:var(--wp--preset--color--vivid-green,#00d084) !important;}#gspb_iconsList-id-gsbp-a97560c.gspb_iconsList [data-id='1'] svg{margin:0px !important;}#gspb_iconsList-id-gsbp-a97560c.gspb_iconsList [data-id='2'] svg,#gspb_iconsList-id-gsbp-a97560c.gspb_iconsList [data-id='2'] svg path{fill:var(--wp--preset--color--vivid-green,#00d084) !important;}#gspb_iconsList-id-gsbp-a97560c.gspb_iconsList [data-id='2'] svg{margin:0px !important;}#gspb_iconsList-id-gsbp-a97560c.gspb_iconsList [data-id='3'] svg,#gspb_iconsList-id-gsbp-a97560c.gspb_iconsList [data-id='3'] svg path{fill:var(--wp--preset--color--vivid-green,#00d084) !important;}#gspb_iconsList-id-gsbp-a97560c.gspb_iconsList [data-id='3'] svg{margin:0px !important;}#gspb_iconsList-id-gsbp-a97560c.gspb_iconsList [data-id='4'] svg,#gspb_iconsList-id-gsbp-a97560c.gspb_iconsList [data-id='4'] svg path{fill:var(--wp--preset--color--vivid-green,#00d084) !important;}#gspb_iconsList-id-gsbp-a97560c.gspb_iconsList [data-id='4'] svg{margin:0px !important;}#gspb_iconsList-id-gsbp-a97560c.gspb_iconsList [data-id='5'] svg,#gspb_iconsList-id-gsbp-a97560c.gspb_iconsList [data-id='5'] svg path{fill:var(--wp--preset--color--vivid-green,#00d084) !important;}#gspb_iconsList-id-gsbp-a97560c.gspb_iconsList [data-id='5'] svg{margin:0px !important;}<\/style>\n<div class=\"wp-block-greenshift-blocks-iconlist gspb_iconsList gspb_iconsList-id-gsbp-a97560c\" id=\"gspb_iconsList-id-gsbp-a97560c\"><div class=\"gspb_iconsList__item\" data-id=\"0\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"18\" height=\"18\" viewbox=\"0 0 1024 1024\"><path style=\"fill:#565D66\" d=\"M871.696 166.932l-526.088 526.088-193.304-193.304c-9.372-9.372-24.568-9.372-33.942 0l-56.568 56.568c-9.372 9.372-9.372 24.568 0 33.942l266.842 266.842c9.372 9.372 24.568 9.372 33.942 0l599.626-599.626c9.372-9.372 9.372-24.568 0-33.942l-56.568-56.568c-9.372-9.372-24.568-9.372-33.94 0z\"><\/path><\/svg><span class=\"gspb_iconsList__item__text\">pay anywhere<\/span><\/div><div class=\"gspb_iconsList__item\" data-id=\"1\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"18\" height=\"18\" viewbox=\"0 0 1024 1024\"><path style=\"fill:#565D66\" d=\"M871.696 166.932l-526.088 526.088-193.304-193.304c-9.372-9.372-24.568-9.372-33.942 0l-56.568 56.568c-9.372 9.372-9.372 24.568 0 33.942l266.842 266.842c9.372 9.372 24.568 9.372 33.942 0l599.626-599.626c9.372-9.372 9.372-24.568 0-33.942l-56.568-56.568c-9.372-9.372-24.568-9.372-33.94 0z\"><\/path><\/svg><span class=\"gspb_iconsList__item__text\">buy online<\/span><\/div><div class=\"gspb_iconsList__item\" data-id=\"2\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"18\" height=\"18\" viewbox=\"0 0 1024 1024\"><path style=\"fill:#565D66\" d=\"M871.696 166.932l-526.088 526.088-193.304-193.304c-9.372-9.372-24.568-9.372-33.942 0l-56.568 56.568c-9.372 9.372-9.372 24.568 0 33.942l266.842 266.842c9.372 9.372 24.568 9.372 33.942 0l599.626-599.626c9.372-9.372 9.372-24.568 0-33.942l-56.568-56.568c-9.372-9.372-24.568-9.372-33.94 0z\"><\/path><\/svg><span class=\"gspb_iconsList__item__text\">book a hotel, conference room<\/span><\/div><div class=\"gspb_iconsList__item\" data-id=\"3\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"18\" height=\"18\" viewbox=\"0 0 1024 1024\"><path style=\"fill:#565D66\" d=\"M871.696 166.932l-526.088 526.088-193.304-193.304c-9.372-9.372-24.568-9.372-33.942 0l-56.568 56.568c-9.372 9.372-9.372 24.568 0 33.942l266.842 266.842c9.372 9.372 24.568 9.372 33.942 0l599.626-599.626c9.372-9.372 9.372-24.568 0-33.942l-56.568-56.568c-9.372-9.372-24.568-9.372-33.94 0z\"><\/path><\/svg><span class=\"gspb_iconsList__item__text\">rent a car<\/span><\/div><div class=\"gspb_iconsList__item\" data-id=\"4\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"18\" height=\"18\" viewbox=\"0 0 1024 1024\"><path style=\"fill:#565D66\" d=\"M871.696 166.932l-526.088 526.088-193.304-193.304c-9.372-9.372-24.568-9.372-33.942 0l-56.568 56.568c-9.372 9.372-9.372 24.568 0 33.942l266.842 266.842c9.372 9.372 24.568 9.372 33.942 0l599.626-599.626c9.372-9.372 9.372-24.568 0-33.942l-56.568-56.568c-9.372-9.372-24.568-9.372-33.94 0z\"><\/path><\/svg><span class=\"gspb_iconsList__item__text\">help with problems<\/span><\/div><div class=\"gspb_iconsList__item\" data-id=\"5\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"18\" height=\"18\" viewbox=\"0 0 1024 1024\"><path style=\"fill:#565D66\" d=\"M871.696 166.932l-526.088 526.088-193.304-193.304c-9.372-9.372-24.568-9.372-33.942 0l-56.568 56.568c-9.372 9.372-9.372 24.568 0 33.942l266.842 266.842c9.372 9.372 24.568 9.372 33.942 0l599.626-599.626c9.372-9.372 9.372-24.568 0-33.942l-56.568-56.568c-9.372-9.372-24.568-9.372-33.94 0z\"><\/path><\/svg><span class=\"gspb_iconsList__item__text\">insurance (cancellation, flight, baggage, etc.)<\/span><\/div><\/div>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Do you need a different card to pay in Switzerland, online, or abroad?<\/strong><\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-autolist{margin:15px 0 30px 0;border:1px solid #dddddd7d;}.gs-autolist-item{padding:15px 15px 15px 5px;display:flex;align-items:center;}.gs-autolist-title,.gs-autolist-title a{font-size:18px;line-height:24px;text-decoration:none}#gspb_toc-id-gsbp-e2998fee-929a .gs-autolist-item{background-color:#ffffff}#gspb_toc-id-gsbp-e2998fee-929a .gs-autolist-item:nth-child(2n){background-color:#ffffff}#gspb_toc-id-gsbp-e2998fee-929a .gs-autolist-title a{color:#ec4da3}#gspb_toc-id-gsbp-e2998fee-929a .gs-autolist-number{border-radius:50%;color:#fff;margin:0 20px 0 15px;text-align:center;font-weight:700;}#gspb_toc-id-gsbp-e2998fee-929a .gs-autolist-number{background-color:#f4b6d9}#gspb_toc-id-gsbp-e2998fee-929a .gs-autolist-number{color:var(--wp--preset--color--secondary,var(--rehub-sec-color))}#gspb_toc-id-gsbp-e2998fee-929a .gs-autolist-number{height:20px;line-height:20px;width:20px;font-size:13px;min-width:20px;}#gspb_toc-id-gsbp-e2998fee-929a .gs_sub_heading .gs-autolist-number{font-size:70%;}#gspb_toc-id-gsbp-e2998fee-929a .gs-autolist-title a{text-decoration:dotted underline;}#gspb_toc-id-gsbp-e2998fee-929a .gs-autolist{border-style:none;}<\/style>\n<div class=\"wp-block-greenshift-blocks-toc gs-toc gspb_toc-id-gsbp-e2998fee-929a\" id=\"gspb_toc-id-gsbp-e2998fee-929a\" itemscope=\"\" itemtype=\"https:\/\/schema.org\/ItemList\"><div class=\"gs-autolist\"><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">1<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Fees to be aware of (free and paying cards)\"><a class=\"gs-scrollto\" href=\"#1-frais-cartes-credit\">Fees to know (free and paying cards)<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">2<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Which user profile?\"><a class=\"gs-scrollto\" href=\"#2-quelle-carte-credit-profil-utilisateur\">Which user profile?<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">3<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"The Cheapest Cards\"><a class=\"gs-scrollto\" href=\"#3-quelle-carte-credit-moins-chere-suisse\">The Cheapest Cards<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">4<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Free Cards\"><a class=\"gs-scrollto\" href=\"#4-cartes-credit-gratuites-suisse\">Free Cards<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">5<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Bonus\/Fidelity Points Cards\"><a class=\"gs-scrollto\" href=\"#5-cartes-credit-points-bonus\">Cards with Bonus\/Loyalty Points<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">6<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Cashback Cards\"><a class=\"gs-scrollto\" href=\"#6-cartes-credit-cashback-suisse\">Cards with Cashback<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">7<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Cards for Traveling\"><a class=\"gs-scrollto\" href=\"#7-meilleure-carte-credit-voyage-etranger\">Cards for Traveling<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">8<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"The Best Cards for Paying Abroad\"><a class=\"gs-scrollto\" href=\"#8-quelle-carte-credit-payer-etranger\">The Best Cards for Paying Abroad<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">9<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Avoiding Hidden Fees Abroad\"><a class=\"gs-scrollto\" href=\"#9-eviter-frais-caches-etranger\">Avoiding Hidden Fees Abroad<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">10<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Neo-bank Cards\"><a class=\"gs-scrollto\" href=\"#10-cartes-neo-banques-strategie\">Neo-bank Cards<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">11<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Card Strategies\"><a class=\"gs-scrollto\" href=\"#11-strategie-cartes-credit-suisse\">Card Strategies<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">12<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Paid Cards: Are They Worth It?\"><a class=\"gs-scrollto\" href=\"#12-carte-credit-payante-rentable\">Paid Cards: Are They Worth It?<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">13<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"CONCLUSION - WHICH CARD TO CHOOSE?\"><a class=\"gs-scrollto\" href=\"#13-conclusion-quelle-carte-credit-choisir-en-suisse\">CONCLUSION &#8211; WHICH CARD TO CHOOSE?<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">14<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Customizable Cards (APPENDIX)\"><a class=\"gs-scrollto\" href=\"#14-cartes-credit-personnalisables\">Customizable Cards (APPENDIX)<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">15<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Specialized Credit Cards (APPENDIX)\"><a class=\"gs-scrollto\" href=\"#15-cartes-credit-speciales\">Specialized Credit Cards (APPENDIX)<\/a><\/span> <\/div><\/div><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">1<\/span>\t<\/div>\t<div id=\"1-frais-cartes-credit\">\t\t<h2 class=\"mt0 mb0\">Fees to be aware of (free and paying cards)<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Fees to be aware of (free and paying cards)<\/div>\t<\/div><\/div>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"la-cotisation-annuelle\">Annual fee<\/h3>\n\n<ul class=\"wp-block-list\">\n<li><strong>Free cards<\/strong>: have no annual fees, but may generate fees (withdrawals, payments abroad or currency exchange)<\/li>\n\n\n\n<li><strong>Paid cards<\/strong>: between 50 CHF and 200 CHF per year<br\/>\u2192 The first year is often free or at a reduced price<\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\" id=\"les-frais-en-suisse\">Fees in Switzerland<\/h3>\n\n<ul class=\"wp-block-list\">\n<li><strong>Payments<\/strong>: are generally free<\/li>\n\n\n\n<li><strong>Cash withdrawals<\/strong>:<br\/>\u2192 3.75% of the amount with a minimum of 5 to 10 CHF per withdrawal<\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\" id=\"les-frais-a-l-etranger\">Fees abroad<\/h3>\n\n<ul class=\"wp-block-list\">\n<li><strong>Exchange commission<\/strong> (only): from 1.5% to 2.5%<\/li>\n\n\n\n<li><strong>Withdrawals<\/strong>: same fees as in Switzerland (3.75% or min. 5\u201310 CHF), but sometimes with exchange or processing fees.<\/li>\n\n\n\n<li>Some cards offer 0% exchange fees like Revolut Neon or Yuh (debit cards). Consider these for travel. <\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\" id=\"les-avantages-qui-compensent-les-frais-realite-vs-marketing\">Benefits that offset fees (reality vs. marketing)<\/h3>\n\n<ul class=\"wp-block-list\">\n<li><strong>Cashback<\/strong>: between 0.3% and 1%<\/li>\n\n\n\n<li><strong>Bonus points<\/strong>: variable value depending on the retailers<\/li>\n\n\n\n<li><strong>Insurance<\/strong>: cancellation, delay, theft, etc.<\/li>\n<\/ul>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Some paid cards can become profitable, as the benefits they offer can <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">exceed<\/mark> their annual<\/strong> fee.<\/p>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}#gspb_infoBox-id-gsbp-b52412d .gs-box-text{flex-grow:1;margin:0}#gspb_infoBox-id-gsbp-b52412d .gs-box-icon{margin-left:-10px;}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-b52412d .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-b52412d svg{height:50px!important;width:50px!important;min-width:50px!important;}#gspb_infoBox-id-gsbp-b52412d svg,#gspb_infoBox-id-gsbp-b52412d svg path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-b52412d svg{margin:0px !important;}#gspb_infoBox-id-gsbp-b52412d svg:hover,#gspb_infoBox-id-gsbp-b52412d svg:hover 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style=\"width:5rem;height:5rem;margin:10px\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 62.63 93\">\n  <g id=\"Calque_2-2\" dataname=\"Calque_2\">    <g>\n      <path d=\"M31.31,26.97c-8.39,0-15.19,6.44-15.19,14.39s6.8,14.39,15.19,14.39,15.19-6.44,15.19-14.39-6.8-14.39-15.19-14.39ZM31.31,51.96c-6.18,0-11.19-4.74-11.19-10.6s5.01-10.6,11.19-10.6c2.9,0,5.54,1.06,7.53,2.78,1.23.39,2.12,1.43,2.26,2.69.89,1.52,1.4,3.27,1.4,5.13,0,5.85-5.01,10.6-11.19,10.6Z\"><\/path>\n      <path d=\"M41.1,36.24c-.13-1.26-1.03-2.3-2.26-2.69.9.77,1.66,1.68,2.26,2.69Z\"><\/path>\n      <path d=\"M34.42,36.55c0,1.76,1.5,3.18,3.36,3.18s3.36-1.42,3.36-3.18c0-.11-.02-.21-.03-.31-.59-1.01-1.36-1.92-2.26-2.69-.34-.11-.69-.18-1.07-.18-1.85,0-3.36,1.42-3.36,3.18Z\"><\/path>\n      <g>\n        <polygon points=\"6.27 .13 6.89 23.22 25.98 16.48 6.27 .13\"><\/polygon>\n        <polygon points=\"57.28 0 56.65 23.09 37.57 16.34 57.28 0\"><\/polygon>\n      <\/g>\n      <ellipse cx=\"31.31\" cy=\"41.37\" rx=\"18.95\" ry=\"17.96\" style=\"fill:none\"><\/ellipse>\n      <path d=\"M31.31,10.89C9.18,10.89,0,23.82,0,47.13s16.39,45.87,31.31,45.87c16.46,0,31.31-22.56,31.31-45.87S56.78,10.89,31.31,10.89ZM45,76.7c-1,.58-4.57,2.3-7.8,2.86-.54.09-1.21.18-2,.24l-4.78,5.45c-.08.09-.19.15-.31.17-.06,0-.11,0-.17,0-.18-.03-.33-.16-.39-.32l-2.15-6.11c-.13-.04-.26-.07-.4-.11l-5.64,3.58c-.1.07-.23.09-.35.08-.06,0-.11-.02-.17-.05-.16-.08-.27-.24-.28-.41l-.25-6.9c-4.64-3.98-6.39-9.26-5.82-9.66.61-.41,3.39,4.85,10.44,7.98,5.28,2.34,10.4,2.36,12.08,2.31,6.27-.17,11.1-2.4,11.39-1.82.29.58-2.95,2.44-3.41,2.71ZM31.31,59.32c-10.47,0-18.95-8.04-18.95-17.96s8.49-17.96,18.95-17.96,18.95,8.04,18.95,17.96-8.49,17.96-18.95,17.96Z\"><\/path>\n    <\/g>\n  <\/g>\n<\/svg><\/div><div class=\"gs-box-text\"><style>.gspb_container-id-gsbp-8c6b86c{flex-direction:column;box-sizing:border-box;}#gspb_container-id-gsbp-8c6b86c.gspb_container > p:last-of-type{margin-bottom:0}#gspb_container-id-gsbp-8c6b86c.gspb_container{position:relative;}#gspb_container-id-gsbp-8c6b86c.gspb_container{margin-top:-30px;margin-bottom:-30px;margin-left:30px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-container gspb_container gspb_container-gsbp-8c6b86c\" id=\"gspb_container-id-gsbp-8c6b86c\">\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"has-secondary-color has-text-color has-link-color wp-elements-7ca111a987ee472d4028ec9f3da18f07\"><em><strong>Pay more to earn more?  <\/strong><\/em><strong><em>I&#8217;ve heard that one before!<\/em><\/strong><\/p>\n<cite>Neo &#8211; Unsolicited advice (as usual).<\/cite><\/blockquote>\n<\/div>\n<\/div><\/div><\/div>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">2<\/span>\t<\/div>\t<div id=\"2-quelle-carte-credit-profil-utilisateur\">\t\t<h2 class=\"mt0 mb0\">Which credit card and for whom? Recommendations by user profile  <\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Which user profile?<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p id=\"comment-choisir-meilleure-carte-credit\"><strong>How to choose the right card?<\/strong><\/p>\n\n<p>Before going into detail, here&#8217;s a brief overview of 4 typical profiles and what we&#8217;re looking to optimize with their card. You may recognize yourself in one (or more) of these cases. <\/p>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>User Profile<\/strong><\/td><td><strong>Usage<\/strong><\/td><td><strong>Advantage<\/strong><\/td><td><strong>We&#8217;re looking for<\/strong><\/td><\/tr><tr><td><strong>Frequent<\/strong><\/td><td>Daily payments<\/td><td>Cashback<\/td><td>Earning on <br\/>every purchase<\/td><\/tr><tr><td><strong>Occasional<\/strong><\/td><td>One-off payments + online<\/td><td>Simplicity<\/td><td>Fee-free card<\/td><\/tr><tr><td><strong>Foreign Payments<\/strong><\/td><td>Currency payments<\/td><td>Exchange<\/td><td>Competitive rate<\/td><\/tr><tr><td><strong>Traveler<\/strong><\/td><td>Regular trips<\/td><td>Suitable insurance<\/td><td>Solid coverage, <br\/>no bad surprises<\/td><\/tr><\/tbody><\/table><\/figure>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"carte-credit-vs-carte-debit\"><strong>Credit card or debit card? <\/strong><\/h3>\n\n<p>Big question:<\/p>\n\n<p>\u279c Credit cards offer better insurance coverage and allow for reservations (car, hotel).<br\/>\u279c Neobank debit cards are the only ones to offer 0% exchange fees.<\/p>\n\n<p>We often combine a credit card for coverage and a debit card for foreign payments.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"quel-est-votre-profil\">What&#8217;s your profile?<\/h3>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}#gspb_infoBox-id-gsbp-21c9650 .gs-box-text{flex-grow:1;margin:0}#gspb_infoBox-id-gsbp-21c9650 .gs-box-icon{margin-right:40px;}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-21c9650 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-21c9650 svg{height:50px!important;width:50px!important;min-width:50px!important;}#gspb_infoBox-id-gsbp-21c9650 svg,#gspb_infoBox-id-gsbp-21c9650 svg path{fill:var(--wp--preset--color--main,var(--rehub-main-color)) !important;}#gspb_infoBox-id-gsbp-21c9650 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-21c9650 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-21c9650 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-21c9650 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-21c9650 .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-21c9650 .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-21c9650 .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-21c9650 .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-21c9650\" id=\"gspb_infoBox-id-gsbp-21c9650\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 1152 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M1055.8 64h-959.6c-53.2 0-96.2 43-96.2 96v704c0 53 43 96 96.2 96h959.6c53.2 0 96.2-43 96.2-96v-704c0-53-43-96-96.2-96zM108.2 160h935.6c6.6 0 12 5.4 12 12v84h-959.6v-84c0-6.6 5.4-12 12-12zM1043.8 864h-935.6c-6.6 0-12-5.4-12-12v-340h959.6v340c0 6.6-5.4 12-12 12zM384 664v80c0 13.2-10.8 24-24 24h-144c-13.2 0-24-10.8-24-24v-80c0-13.2 10.8-24 24-24h144c13.2 0 24 10.8 24 24zM768 664v80c0 13.2-10.8 24-24 24h-272c-13.2 0-24-10.8-24-24v-80c0-13.2 10.8-24 24-24h272c13.2 0 24 10.8 24 24z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<h3 class=\"wp-block-heading has-secondary-color has-text-color has-link-color wp-elements-7fb3c6806eed05e7df6f628e124ca293\" id=\"utilisateurs-frequents-carte-credit\"><strong>Frequent User \u2013 the silicon chip is grafted directly onto the skin<\/strong><\/h3>\n\n\n\n<p class=\"has-secondary-color has-text-color has-link-color wp-elements-fd5a01fded9c12c8f075f2a9a814a720\">If you use your credit card as the main payment method for everything you do daily via card, mobile payment\/smartwatch. You use your credit card every time you go abroad (regularly). You withdraw cash occasionally.  <\/p>\n<\/div><\/div><\/div>\n\n<h4 class=\"wp-block-heading\" id=\"mes-recommendations-eclair\"><strong><strong>My quick recommendations <strong>\u26a1\ufe0f<\/strong><\/strong><\/strong><\/h4>\n\n<p>Swisscard Cashback Cards Amex<br\/>\u2714\ufe0e best cashback ratio (up to 1%) if you centralize your payments.<br\/><br\/>Certo Mastercard (Cembra)<br\/>\u2714\ufe0e good cashback with no annual fees, wide acceptance, good mobile compatibility.<\/p>\n\n<h4 class=\"wp-block-heading\" id=\"en-complement\"><strong>As a complement \ud83d\udca1 <\/strong> <\/h4>\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-0c40d4e0c31d677dec3d175843da6e15\">Wise (debit)<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> very good exchange rates, low fees, ideal for recurring currency payments or occasional trips.<\/p>\n\n<h4 class=\"wp-block-heading\" id=\"comparatif-1\"><strong>Comparison<\/strong> \ud83d\udd0e<\/h4>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Card<\/strong><\/td><td><strong>Type<\/strong><\/td><td><strong>Fees\/year<\/strong><\/td><td><strong>Exchange<\/strong><\/td><td><strong>Withdrawals<\/strong><\/td><td><strong>Ideal for<\/strong><\/td><\/tr><tr><td>Amex Cashback<\/td><td>Credit<\/td><td>0 CHF<\/td><td>1.5\u20132.5%<\/td><td>3.75 %<\/td><td>Maximize cashback<\/td><\/tr><tr><td>Certo Mastercard<\/td><td>Credit<\/td><td>0 CHF<\/td><td>1.5\u20132.0%<\/td><td>3.75 %<\/td><td>Daily purchases<\/td><\/tr><tr><td>Wise<\/td><td>Debit<\/td><td>0 CHF<\/td><td>0.4\u20131.3%<\/td><td>1.75 %<\/td><td>Competitive rate in foreign currencies<\/td><\/tr><\/tbody><\/table><\/figure>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}#gspb_infoBox-id-gsbp-a157314 .gs-box-text{flex-grow:1;margin:0}#gspb_infoBox-id-gsbp-a157314 .gs-box-icon{margin-right:40px;}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-a157314 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-a157314 svg{height:55px!important;width:55px!important;min-width:55px!important;}#gspb_infoBox-id-gsbp-a157314 svg,#gspb_infoBox-id-gsbp-a157314 svg path{fill:var(--wp--preset--color--main,var(--rehub-main-color)) !important;}#gspb_infoBox-id-gsbp-a157314 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-a157314 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-a157314 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-a157314 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-a157314 .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-a157314 .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-a157314 .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-a157314 .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-a157314\" id=\"gspb_infoBox-id-gsbp-a157314\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 1024 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M512 640c0-35.346 28.654-64 64-64s64 28.654 64 64c0 35.346-28.654 64-64 64-35.346 0-64-28.654-64-64zM928.032 416c-0.032 0-0.032 0 0 0l-0.032-192v-16-80c0-53.024-43.008-96-96-96h-128-528c-97.056 0-176 78.976-176 176v640c0 97.024 78.944 176 176 176h576c97.024 0 176-78.976 176-176v-48c0 0 0 0 0.032 0 127.936-96.032 127.936-287.968 0-384zM176 96h656c17.632 0 32 14.336 32 32v80 16 101.888c-10.048-3.584-20.736-5.888-32-5.888h-0.032v-32-64-64c0-17.696-14.336-32-32-32h-672c-17.664 0-32 14.304-32 32v64 62.176c-19.744-20.192-31.968-47.712-31.968-78.176 0-61.856 50.112-112 112-112zM799.968 192h-672l0-32h672v32zM799.968 224v32h-672l0-32h672zM799.968 288v32h-623.968c-17.28 0-33.408-4.224-48-11.2v-20.8h671.968zM864 848c0 61.856-50.144 112-112 112h-576c-61.888 0-112-50.144-112-112v-504.352c30.432 25.184 69.472 40.352 112 40.352h528 128c17.632 0 32 14.336 32 32v64h-288c-88.384 0-160 71.616-160 160s71.648 160 160 160h288v48zM904.864 736h-328.864c-52.928 0-96-43.072-96-96s43.072-96 96-96h288c19.744-0.256 39.328-9.824 51.264-25.728 3.328-4.48 5.92-9.504 8-14.752 0.288-0.704 0.8-1.248 1.056-1.984 23.008 30.176 35.68 67.168 35.68 106.464 0 49.216-19.872 94.88-55.136 128z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-secondary-color has-text-color has-link-color wp-elements-4386b802b916e873c6d438e6a5a4406f\" id=\"utilisateur-occasionnel-carte-credit\"><strong>Occasional User \u2013 on the verge of extinction, we love it, soon there will be none left<\/strong><br\/><br\/>If you use your credit card as a complement to other payment methods, mainly for online purchases and reservations. You also use it during your trips abroad (1-2 times a year). You almost never withdraw cash with your credit card.  <\/p>\n<\/div><\/div><\/div>\n\n<h4 class=\"wp-block-heading\" id=\"mes-recommendations-eclair-2\"><strong>My quick recommendations <strong>\u26a1\ufe0f<\/strong><\/strong><\/h4>\n\n<p>Swisscard Cashback Visa\/Mastercard<br\/>\u2714\ufe0e free, simple, with moderate cashback (0.3\u20130.8%)<br\/><br\/>Certo Mastercard<br\/>\u2714\ufe0e versatile, no annual fees, suitable for irregular use.<\/p>\n\n<h4 class=\"wp-block-heading\" id=\"en-complement-1\"><strong>As a complement \ud83d\udca1<\/strong><\/h4>\n\n<p>Yuh (debit)<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> competitive exchange (0.95%), useful card with no monthly fees.<\/p>\n\n<h4 class=\"wp-block-heading\" id=\"comparatif\">Comparison \ud83d\udd0e<\/h4>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Card<\/strong><\/td><td><strong>Type<\/strong><\/td><td><strong>Fees\/year<\/strong><\/td><td><strong>Exchange<\/strong><\/td><td><strong>Withdrawals<\/strong><\/td><td><strong>Ideal for<\/strong><\/td><\/tr><tr><td>Swisscard Cashback Visa<\/td><td>Credit<\/td><td>0 CHF<\/td><td>1.5\u20132.5%<\/td><td>3.75 %<\/td><td>Simple payments  cashback<\/td><\/tr><tr><td>Certo Mastercard<\/td><td>Credit<\/td><td>0 CHF<\/td><td>1.5\u20132.0%<\/td><td>3.75 %<\/td><td>Occasional use<\/td><\/tr><tr><td>Yuh<\/td><td>Debit<\/td><td>0 CHF<\/td><td>0.95 %<\/td><td>4.90 CHF<\/td><td>EUR, USD payments&#8230;<\/td><\/tr><\/tbody><\/table><\/figure>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}#gspb_infoBox-id-gsbp-5a947c5 .gs-box-text{flex-grow:1;margin:0}#gspb_infoBox-id-gsbp-5a947c5 .gs-box-icon{margin-right:40px;}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-5a947c5 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-5a947c5 svg{height:55px!important;width:55px!important;min-width:55px!important;}#gspb_infoBox-id-gsbp-5a947c5 svg,#gspb_infoBox-id-gsbp-5a947c5 svg path{fill:var(--wp--preset--color--main,var(--rehub-main-color)) !important;}#gspb_infoBox-id-gsbp-5a947c5 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-5a947c5 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-5a947c5 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-5a947c5 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-5a947c5 .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-5a947c5 .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-5a947c5 .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-5a947c5 .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-5a947c5\" id=\"gspb_infoBox-id-gsbp-5a947c5\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 1152 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M1128 384h-153.75l-278.464-309.406c-11.82-13.136-32.054-14.202-45.192-2.378s-14.202 32.056-2.378 45.192l239.934 266.592h-624.3l239.936-266.594c11.824-13.134 10.758-33.37-2.378-45.192-13.138-11.824-33.372-10.76-45.192 2.378l-278.466 309.408h-153.75c-13.254 0-24 10.746-24 24v16c0 13.254 10.746 24 24 24h32.888l59.612 429.206c6.592 47.462 47.172 82.794 95.088 82.794h728.824c47.916 0 88.496-35.332 95.088-82.794l59.612-429.206h32.888c13.254 0 24-10.746 24-24v-16c0-13.254-10.746-24-24-24zM972.108 868.402c-2.186 15.734-15.812 27.598-31.696 27.598h-728.824c-15.884 0-29.51-11.864-31.696-27.598l-58.388-420.402h908.994l-58.39 420.402zM608 560v224c0 17.674-14.326 32-32 32-17.672 0-32-14.326-32-32v-224c0-17.674 14.328-32 32-32 17.674 0 32 14.326 32 32zM832 560v224c0 17.674-14.326 32-32 32s-32-14.326-32-32v-224c0-17.674 14.326-32 32-32s32 14.326 32 32zM384 560v224c0 17.674-14.328 32-32 32s-32-14.326-32-32v-224c0-17.674 14.328-32 32-32s32 14.326 32 32z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-secondary-color has-text-color has-link-color wp-elements-4c4d9f724f9ad79df216157729267dab\" id=\"profil-paiements-etranger-carte-credit\"><strong>Paying Abroad \u2013 CHF Stays at the Border<\/strong><br\/><br\/>You live in Switzerland, but you often pay in EUR: shopping across the border, a restaurant, an online shop in Europe or a subscription billed from the EU. You use your card for cross-border or digital payments, without necessarily traveling. <\/p>\n\n\n\n<p class=\"has-secondary-color has-text-color has-link-color wp-elements-11a98d15392b2e34ea79ff0e63069ecc\">You&#8217;re looking for a good exchange rate, no unnecessary fees, and a reliable card for currency payments.<\/p>\n<\/div><\/div><\/div>\n\n<h4 class=\"wp-block-heading\" id=\"mes-recommendations-eclair-3\"><strong><strong>My quick recommendations <strong>\u26a1\ufe0f<\/strong><\/strong><\/strong><\/h4>\n\n<p>Cumulus Visa (Migros)<br\/>\u2714\ufe0e fees on currency payments removed since 2022.<br\/><br\/>Certo Mastercard<br\/>\u2714\ufe0e useful cashback, but to be combined with a card optimized for foreign use.<\/p>\n\n<h4 class=\"wp-block-heading\" id=\"en-complement-1\"><strong>As a complement \ud83d\udca1<\/strong><\/h4>\n\n<p>Neon (debit)<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> Mastercard rate without surcharge, no exchange fees, excellent solution for online and cross-border payments.<\/p>\n\n<p>Wise (debit)<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> very good choice (excellent rate) for frequent payments in multiple currencies with transparency on rates.<\/p>\n\n<h4 class=\"wp-block-heading\" id=\"comparatif-3\">Comparison \ud83d\udd0e<\/h4>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Card<\/strong><\/td><td><strong>Type<\/strong><\/td><td><strong>Fees\/year<\/strong><\/td><td><strong>Exchange<\/strong><\/td><td><strong>Withdrawals<\/strong><\/td><td><strong>Ideal for<\/strong><\/td><\/tr><tr><td>Cumulus Visa<\/td><td>Credit<\/td><td>0 CHF<\/td><td>0% (payment)<\/td><td>3.75 %<\/td><td>EUR\/online without exchange fees<\/td><\/tr><tr><td>Neon<\/td><td>Debit<\/td><td>0 CHF<\/td><td>0 %<\/td><td>1.5 %<\/td><td>Online interbank payment<\/td><\/tr><tr><td>Wise<\/td><td>Debit<\/td><td>0 CHF<\/td><td>0.4\u20131.3%<\/td><td>1.75 %<\/td><td>EUR, USD payments&#8230;<\/td><\/tr><\/tbody><\/table><\/figure>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}#gspb_infoBox-id-gsbp-9b17742 .gs-box-text{flex-grow:1;margin:0}#gspb_infoBox-id-gsbp-9b17742 .gs-box-icon{margin-right:40px;}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-9b17742 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-9b17742 svg{height:50px!important;width:50px!important;min-width:50px!important;}#gspb_infoBox-id-gsbp-9b17742 svg,#gspb_infoBox-id-gsbp-9b17742 svg path{fill:var(--wp--preset--color--main,var(--rehub-main-color)) !important;}#gspb_infoBox-id-gsbp-9b17742 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-9b17742 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-9b17742 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-9b17742 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-9b17742 .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-9b17742 .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-9b17742 .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-9b17742 .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-9b17742\" id=\"gspb_infoBox-id-gsbp-9b17742\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 992 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M496 16c-273.94 0-496 222.060-496 496s222.060 496 496 496 496-222.060 496-496-222.060-496-496-496zM660.58 731.2c-7.8 7.76-15.98 15.9-22.62 22.56-5.98 6-10.2 13.4-12.34 21.42-3.020 11.32-5.46 22.76-9.54 33.74l-34.78 93.7c-27.52 6-56 9.38-85.3 9.38v-54.76c3.38-25.24-15.28-72.52-45.26-102.5-12-12-18.74-28.28-18.74-45.26v-64.020c0-23.28-12.54-44.68-32.92-55.94-28.74-15.9-69.62-38.12-97.62-52.22-22.96-11.56-44.2-26.28-63.3-43.5l-1.6-1.44c-13.518-12.235-25.417-25.837-35.614-40.699l-0.506-0.781c-18.76-27.54-49.32-72.84-69.18-102.28 40.94-91 114.72-164.080 206.4-203.78l48.020 24.020c21.28 10.64 46.32-4.82 46.32-28.62v-22.6c15.98-2.58 32.24-4.22 48.78-4.84l56.6 56.6c12.5 12.5 12.5 32.76 0 45.26l-9.38 9.36-20.68 20.68c-6.24 6.24-6.24 16.38 0 22.62l9.38 9.38c6.24 6.24 6.24 16.38 0 22.62l-16 16c-2.897 2.892-6.897 4.68-11.314 4.68-0.002 0-0.004-0-0.006-0l-17.98 0c-4.16 0-8.16 1.62-11.16 4.54l-19.84 19.3c-2.989 2.912-4.842 6.977-4.842 11.474 0 2.604 0.622 5.063 1.724 7.237l-0.042-0.091 31.18 62.38c5.32 10.64-2.42 23.16-14.3 23.16h-11.28c-3.86 0-7.58-1.4-10.48-3.92l-18.56-16.12c-5.588-4.868-12.944-7.837-20.992-7.837-3.616 0-7.092 0.599-10.334 1.703l0.226-0.067-62.34 20.78c-9.575 3.263-16.34 12.178-16.34 22.673 0 0.003 0 0.005 0 0.008l-0-0c0 9.060 5.12 17.32 13.22 21.38l22.16 11.080c18.82 9.42 39.58 14.32 60.62 14.32s45.18 54.58 64 64h133.5c16.98 0 33.24 6.74 45.26 18.74l27.38 27.38c11.035 11.039 17.86 26.287 17.86 43.13 0 0.004-0 0.007-0 0.011l0-0.001c-0.009 25.779-10.497 49.107-27.436 65.956l-0.004 0.004zM834 548.5c-11.58-2.9-21.68-10-28.3-19.94l-35.96-53.94c-5.055-7.479-8.070-16.697-8.070-26.62s3.015-19.141 8.178-26.79l-0.108 0.17 39.18-58.76c4.64-6.94 11-12.58 18.48-16.3l25.96-12.98c27.040 53.84 42.64 114.4 42.64 178.66 0 17.34-1.48 34.32-3.64 51.080l-58.36-14.58z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-secondary-color has-text-color has-link-color wp-elements-164a1b30b5defc381976829a14e8a91c\" id=\"utilisateur-voyageur-carte-credit\"><strong>Traveler \u2013 the airport is your second home<\/strong><br\/><br\/>If you use your credit card mainly for your trips abroad: plane tickets, hotels, restaurants, on-site purchases&#8230; it&#8217;s your trusted ally at every customs checkpoint. You often pay in foreign currencies and need a reliable card, accepted everywhere, with minimal hidden fees. <\/p>\n\n\n\n<p class=\"has-secondary-color has-text-color has-link-color wp-elements-8c7614e3b157bcc5f2e4e44cec8630eb\">You mainly expect reduced or zero exchange fees, solid travel insurance (cancellation, luggage, health), and no unpleasant surprises on the other side of the world. You sometimes withdraw cash, but always prefer direct payment, especially via mobile or smartwatch. <\/p>\n<\/div><\/div><\/div>\n\n<h4 class=\"wp-block-heading\" id=\"mes-recommendations-eclair-1\"><strong><strong>My quick recommendations <strong>\u26a1\ufe0f<\/strong><\/strong><\/strong><\/h4>\n\n<p>Cumulus Visa (Migros)<br\/>\u2714\ufe0e no fees on foreign payments, but withdrawal fees still present (3.75%).<br\/><br\/>Certo Mastercard<br\/>\u2714\ufe0e good cashback, wide acceptance, but needs to be complemented for international optimization.<\/p>\n\n<h4 class=\"wp-block-heading\" id=\"en-complement-1\"><strong>As a complement \ud83d\udca1<\/strong><\/h4>\n\n<p>Revolut Meta (debit)<br\/>\u2714\ufe0e 0% exchange fees, free withdrawals up to 800 CHF\/month, travel insurance included.<\/p>\n\n<p>SWISS Miles  More Amex<br\/>\u2714\ufe0e allows accumulating miles and offers useful insurance if you often fly with Star Alliance.<\/p>\n\n<h4 class=\"wp-block-heading\" id=\"comparatif-2\">Comparison \ud83d\udd0e<\/h4>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Card<\/strong><\/td><td><strong>Type<\/strong><\/td><td><strong>Fees\/year<\/strong><\/td><td><strong>Exchange<\/strong><\/td><td><strong>Withdrawals<\/strong><\/td><td><strong>Ideal for<\/strong><\/td><\/tr><tr><td>Revolut Metal<\/td><td>Debit<\/td><td>228 CHF\/year<\/td><td>0 %<\/td><td>0% (800 CHF\/month)<\/td><td>Zero fees, complete travel<\/td><\/tr><tr><td>Miles  More<\/td><td>Credit<\/td><td>120 CHF<\/td><td>1.5\u20132%<\/td><td>3.75 %<\/td><td>Accumulating miles + insurance<\/td><\/tr><tr><td>Certo Mastercard<\/td><td>Credit<\/td><td>0 CHF<\/td><td>1.5\u20132.0%<\/td><td>3.75 %<\/td><td>Mobile payments + wide acceptance<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">3<\/span>\t<\/div>\t<div id=\"3-quelle-carte-credit-moins-chere-suisse\">\t\t<h2 class=\"mt0 mb0\">What are the cheapest credit cards in Switzerland in %%currentyear%% (according to moneyland)<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">The Cheapest Cards<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Two user profiles \ud83d\udc65 were simulated by moneyland.ch in an analysis:<\/p>\n\n<p><strong>The <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">occasional<\/mark> user<\/strong>: <br\/>&#8211; buys 200 CHF per month in Switzerland with their credit card<br\/>&#8211; with 1000 EUR per year abroad<br\/>(calculated over two years)<\/p>\n\n<p><strong>The <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">frequent<\/mark> user<\/strong>: <br\/>&#8211; buys 1000 CHF per month in Switzerland with their credit card<br\/>&#8211; with 5000 EUR per year abroad<br\/>Also includes 5 withdrawals\/year of 200 CHF in Switzerland and 5 withdrawals of 200 abroad<br\/>(calculated over two years)<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"les-cartes-de-credit-les-moins-cheres-en-fonction-de-l-utilisation\">The cheapest credit cards based on usage<\/h3>\n<style>#gspb_row-id-gsbp-e6cab4a{justify-content:space-between;margin-top:0px;margin-bottom:0px;display:flex;flex-wrap:wrap;}#gspb_row-id-gsbp-e6cab4a > .gspb_row__content{display:flex;justify-content:space-between;margin:0 auto;width:100%;flex-wrap:wrap;}.gspb_row{position:relative;}div[id^=gspb_col-id]{box-sizing:border-box;position:relative;}div[id^=gspb_col-id]{padding:var(--gs-row-column-padding,15px min(3vw,20px));}#gspb_row-id-gsbp-e6cab4a > .gspb_row__content{max-width:1200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-row gspb_row gspb_row-id-gsbp-e6cab4a\" id=\"gspb_row-id-gsbp-e6cab4a\"><div class=\"gspb_row__content\">  <\/div><\/div>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Fees over 2 years for users<\/strong><\/td><td><strong>occasional<\/strong><\/td><td><strong>frequent<\/strong><\/td><\/tr><tr><td>Swisscard Cashback Cards Amex<\/td><td><strong>-15.55<\/strong> CHF<\/td><td><strong>319.50<\/strong> CHF<\/td><\/tr><tr><td>Poinz Swiss Loyalty Card Amex \/ Visa<\/td><td><strong>1.35<\/strong> CHF<\/td><td><strong>319.50<\/strong> CHF<\/td><\/tr><tr><td>Migros Cumulus Visa Credit Card<\/td><td><strong>35.20<\/strong> CHF<\/td><td><strong>343.65<\/strong> CHF<\/td><\/tr><tr><td>Coop Supercard Visa \/ Mastercard<\/td><td><strong>43.10<\/strong> CHF<\/td><td><strong>455.70<\/strong> CHF<\/td><\/tr><tr><td>Manor World Mastercard<\/td><td><strong>48.65<\/strong> CHF<\/td><td><strong>514.25<\/strong> CHF<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Source: <a href=\"https:\/\/www.moneyland.ch\/fr\/cartes-credit-etude-2024\">moneyland.ch fee simulation<\/a><\/figcaption><\/figure>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>With the same credit cards, fees can be quite different depending on usage.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"quelles-cartes-sont-les-plus-avantageuses-pour-vous-nous-vous-presentons-pratiquement-toutes-les-cartes-de-credit-disponibles-en-suisse-dans-ce-panorama-anneeneo\">\ud83c\udfaf <strong>Which cards are most advantageous for you?<\/strong><\/h3>\n\n<p>In this article, we present almost all credit cards available in Switzerland in %%currentyear%% based on your needs.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">4<\/span>\t<\/div>\t<div id=\"4-cartes-credit-gratuites-suisse\">\t\t<h2 class=\"mt0 mb0\">Free Credit Cards in Switzerland \u2013 Without Annual Fees<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Free Cards<\/div>\t<\/div><\/div>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"swisscard-cashback-carte-de-credit-amex\">Swisscard Cashback &#8211; Amex Credit Card<\/h3>\n\n<p>This free card offers cashback with no annual fee: 0.5% on purchases in Switzerland and 1% abroad. This is particularly advantageous for travel and international purchases. <\/p>\n<style>#gspb_image-id-gsbp-fea55df{text-align:center;}#gspb_image-id-gsbp-fea55df img{vertical-align:top;}#gspb_image-id-gsbp-fea55df img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-fea55df img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-fea55df img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-fea55df img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-fea55df img{width:auto;}}#gspb_image-id-gsbp-fea55df,#gspb_image-id-gsbp-fea55df img{height:200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-fea55df\" id=\"gspb_image-id-gsbp-fea55df\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/10\/Swisscard-Cashback-American-Express-Schweiz-kreditkarte-swiss-credit-cards-list-HD.png\" data-src=\"\" alt=\"Swisscard Cashback American Express - Schweiz kreditkarte - swiss credit cards list HD\" loading=\"lazy\" width=\"830\" height=\"200\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Mobile payment compatibility<\/strong>:<br\/>\u2022 Apple Pay<br\/>\u2022 Google Pay<br\/>\u2022 Samsung Pay<br\/>\u2022 SwatchPAY!<\/p>\n\n<p><strong>Insurance<\/strong>:<br\/>\u2022 Purchase return insurance up to 1000 francs per year, useful in case of problems with a purchase<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-cc6a730 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-cc6a730 img{height:35px!important;width:35px!important;min-width:35px!important;}#gspb_infoBox-id-gsbp-cc6a730 img,#gspb_infoBox-id-gsbp-cc6a730 img path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-cc6a730 img{margin:0px !important;}#gspb_infoBox-id-gsbp-cc6a730 img:hover,#gspb_infoBox-id-gsbp-cc6a730 img:hover path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-cc6a730 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-cc6a730 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-cc6a730 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-cc6a730 .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-cc6a730 .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-cc6a730 .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-cc6a730 .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-cc6a730\" id=\"gspb_infoBox-id-gsbp-cc6a730\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/carte-de-credit-icone.png\" alt=\"carte de cre\u0301dit icone\"\/><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color\">The Swisscard Cashback Amex is an interesting option for those looking for cashback without fees, especially for international spending. But the limited acceptance of Amex in Switzerland may require a secondary card. <\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"poinz-card-carte-de-credit-amex-visa\">Poinz Card &#8211; Amex \/ Visa credit card<\/h3>\n\n<p>The free Poinz card offers <strong>0.5% cashback on all purchases<\/strong>, with no annual fees. It integrates with the app, allowing you to collect points at many partner merchants. <br\/><br\/>\ud83c\udf81 Use our personalized <strong>Poinz promo code<\/strong> <strong>REF50-ATEP<\/strong> or our <a href=\"https:\/\/poinz.ch\/referral\/credit-cards\/REF50-ATEP?code=REF50-ATEPcampaignId=184utm_source=POINZutm_medium=OTHERutm_campaign=REF50utm_content=referral_code_REF50-ATEP\" target=\"_blank\" rel=\"noreferrer noopener\">personalized Poinz promo link<\/a> to open your account and receive <strong>a CHF 30 credit<\/strong> when you open your account.<\/p>\n<style>#gspb_image-id-gsbp-3a15635{text-align:center;}#gspb_image-id-gsbp-3a15635 img{vertical-align:top;}#gspb_image-id-gsbp-3a15635 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-3a15635 img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-3a15635 img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-3a15635 img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-3a15635 img{width:auto;}}#gspb_image-id-gsbp-3a15635,#gspb_image-id-gsbp-3a15635 img{height:250px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-3a15635\" id=\"gspb_image-id-gsbp-3a15635\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/10\/Poinz-Card-American-Express-Schweiz-kreditkarte-swiss-credit-cards-list-HD.webp\" data-src=\"\" alt=\"Poinz Card American Express - Schweiz kreditkarte - swiss credit cards list HD\" loading=\"lazy\" width=\"256\" height=\"250\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Mobile payment compatibility<\/strong>:<br\/>\u2022 Apple Pay<br\/>\u2022 Google Pay<br\/>\u2022 Samsung Pay<br\/>\u2022 SwatchPAY!<\/p>\n\n<p><strong>Insurance<\/strong>:<br\/>\u2022 &#8211;<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-74e8360 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-74e8360 img{height:35px!important;width:35px!important;min-width:35px!important;}#gspb_infoBox-id-gsbp-74e8360 img,#gspb_infoBox-id-gsbp-74e8360 img path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-74e8360 img{margin:0px !important;}#gspb_infoBox-id-gsbp-74e8360 img:hover,#gspb_infoBox-id-gsbp-74e8360 img:hover path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-74e8360 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-74e8360 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-74e8360 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-74e8360 .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-74e8360 .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-74e8360 .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-74e8360 .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-74e8360\" id=\"gspb_infoBox-id-gsbp-74e8360\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/carte-de-credit-icone.png\" alt=\"carte de cre\u0301dit icone\"\/><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color\">The Poinz Card is an interesting option to combine cashback and a local loyalty program, without fees. But like any Amex card, its acceptance may be limited at some Swiss merchants. <\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"certo-one-carte-de-credit-mastercard\">Certo One &#8211; Mastercard Credit Card<\/h3>\n\n<p>This Mastercard offers 0.5% cashback on all purchases, with no annual fee. It includes a best price guarantee and purchase insurance, offering additional protection for your spending. <\/p>\n<style>#gspb_image-id-gsbp-4dd419f{text-align:center;}#gspb_image-id-gsbp-4dd419f img{vertical-align:top;}#gspb_image-id-gsbp-4dd419f img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-4dd419f img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-4dd419f img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-4dd419f img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-4dd419f img{width:auto;}}#gspb_image-id-gsbp-4dd419f,#gspb_image-id-gsbp-4dd419f img{height:200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-4dd419f\" id=\"gspb_image-id-gsbp-4dd419f\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/10\/Certo-One-Mastercard-Schweiz-kreditkarte-swiss-credit-cards-list-HD.webp\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"1280\" height=\"200\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Mobile payment compatibility<\/strong>:<br\/>\u2022 Apple Pay<br\/>\u2022 Google Pay<br\/>\u2022 Samsung Pay<br\/>\u2022 SwatchPAY!<br\/>\u2022 Garmin Pay<br\/>\u2022 Fitbit Pay<br\/>\u2022 Fidesmo Pay<\/p>\n\n<p><strong>Insurance<\/strong>:<br\/>&#8211; Best price guarantee<br\/>&#8211; Purchasing insurance<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-be05c6a .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-be05c6a img{height:35px!important;width:35px!important;min-width:35px!important;}#gspb_infoBox-id-gsbp-be05c6a img,#gspb_infoBox-id-gsbp-be05c6a img path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-be05c6a img{margin:0px !important;}#gspb_infoBox-id-gsbp-be05c6a img:hover,#gspb_infoBox-id-gsbp-be05c6a img:hover path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-be05c6a .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-be05c6a .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-be05c6a .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-be05c6a .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-be05c6a .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-be05c6a .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-be05c6a .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-be05c6a\" id=\"gspb_infoBox-id-gsbp-be05c6a\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/carte-de-credit-icone.png\" alt=\"carte de cre\u0301dit icone\"\/><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color\">The Certo One is an interesting option for having a free credit card with cashback and good acceptance in Switzerland, combined with useful everyday insurance.<\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"loeb-club-carte-de-credit-visa\">LOEB Club &#8211; Visa Credit Card<\/h3>\n\n<p>This Visa card offers 0.5% cashback on all purchases, with no annual fee. It is particularly advantageous for purchases at LOEB, where it offers additional discounts and special offers. <\/p>\n<style>#gspb_image-id-gsbp-1a76da3{text-align:center;}#gspb_image-id-gsbp-1a76da3 img{vertical-align:top;}#gspb_image-id-gsbp-1a76da3 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-1a76da3 img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-1a76da3 img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-1a76da3 img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-1a76da3 img{width:auto;}}#gspb_image-id-gsbp-1a76da3,#gspb_image-id-gsbp-1a76da3 img{height:200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-1a76da3\" id=\"gspb_image-id-gsbp-1a76da3\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/10\/LOEB-Club-Visa-carte-de-credit-Schweiz-kreditkarte-swiss-credit-cards-list-HD-e1731267426643.jpg\" data-src=\"\" alt=\"LOEB Club Visa carte de cr\u00e9dit - Schweiz kreditkarte - swiss credit cards list HD\" loading=\"lazy\" width=\"458\" height=\"200\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Mobile payment compatibility<\/strong>:<br\/>\u2022 Apple Pay<br\/>\u2022 Google Pay<br\/>\u2022 Samsung Pay<br\/>\u2022 Garmin Pay<br\/><\/p>\n\n<p><strong>Insurance<\/strong>:<br\/>\u2022 &#8211;<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-38a56f2 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-38a56f2 img{height:35px!important;width:35px!important;min-width:35px!important;}#gspb_infoBox-id-gsbp-38a56f2 img,#gspb_infoBox-id-gsbp-38a56f2 img path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-38a56f2 img{margin:0px !important;}#gspb_infoBox-id-gsbp-38a56f2 img:hover,#gspb_infoBox-id-gsbp-38a56f2 img:hover path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-38a56f2 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-38a56f2 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-38a56f2 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-38a56f2 .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-38a56f2 .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-38a56f2 .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-38a56f2 .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-38a56f2\" id=\"gspb_infoBox-id-gsbp-38a56f2\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/carte-de-credit-icone.png\" alt=\"carte de cre\u0301dit icone\"\/><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color\">The LOEB Club Visa is an interesting option for regular LOEB customers who want to benefit from cashback on all their purchases, <strong>without annual fees<\/strong>.<\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"swisscard-cashback-carte-de-credit-visa-mastercard\">Swisscard Cashback &#8211; Visa\/Mastercard credit card<\/h3>\n\n<p>This card offers cashback of 0.3% on purchases in Switzerland and 0.8% abroad, with no annual fee. It is available in Visa or Mastercard versions, ensuring wide acceptance. <\/p>\n<style>#gspb_image-id-gsbp-16ef17e{text-align:center;}#gspb_image-id-gsbp-16ef17e img{vertical-align:top;}#gspb_image-id-gsbp-16ef17e img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-16ef17e img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-16ef17e img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-16ef17e img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-16ef17e img{width:auto;}}#gspb_image-id-gsbp-16ef17e,#gspb_image-id-gsbp-16ef17e img{height:200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-16ef17e\" id=\"gspb_image-id-gsbp-16ef17e\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/10\/Swisscard-Cashback-Mastercard-Schweiz-kreditkarte-swiss-credit-cards-list-HD.png\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"830\" height=\"200\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Mobile payment compatibility<\/strong>:<br\/>\u2022 Apple Pay<br\/>\u2022 Google Pay<br\/>\u2022 Samsung Pay<br\/>\u2022 SwatchPAY!<\/p>\n\n<p><strong>Insurance<\/strong>:<br\/>&#8211; Returned goods insurance<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-d64771b .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-d64771b img{height:35px!important;width:35px!important;min-width:35px!important;}#gspb_infoBox-id-gsbp-d64771b img,#gspb_infoBox-id-gsbp-d64771b img path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-d64771b img{margin:0px !important;}#gspb_infoBox-id-gsbp-d64771b img:hover,#gspb_infoBox-id-gsbp-d64771b img:hover path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-d64771b .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-d64771b .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-d64771b .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-d64771b .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-d64771b .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-d64771b .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-d64771b .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-d64771b\" id=\"gspb_infoBox-id-gsbp-d64771b\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/carte-de-credit-icone.png\" alt=\"carte de cre\u0301dit icone\"\/><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color\">The Swisscard Cashback Visa\/Mastercard is a versatile option: cashback without fees, with almost universal acceptance and benefits for purchases abroad.<\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Key takeaways:<\/strong><br\/>\u2022 The real gain depends on the cashback rate <strong>and<\/strong> card acceptance.<br\/>\u2022 A card with 1% cashback is only profitable if it can be used everywhere.<br\/>\u2192 A widely accepted card with 0.5% is better than an unusable card with 1%.<\/p>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">5<\/span>\t<\/div>\t<div id=\"5-cartes-credit-points-bonus\">\t\t<h2 class=\"mt0 mb0\">Credit Cards with Loyalty Bonus Points<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Bonus\/Fidelity Points Cards<\/div>\t<\/div><\/div>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"migros-cumulus-carte-de-credit-visa\">Migros Cumulus &#8211; Visa credit card<\/h3>\n\n<p>This free card offers 0.33 Cumulus points per franc spent, and 1 point per franc at Migros. It is part of the Cumulus loyalty program, which is very popular in Switzerland. <\/p>\n<style>#gspb_image-id-gsbp-9886f25{text-align:center;}#gspb_image-id-gsbp-9886f25 img{vertical-align:top;}#gspb_image-id-gsbp-9886f25 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-9886f25 img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-9886f25 img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-9886f25 img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-9886f25 img{width:auto;}}#gspb_image-id-gsbp-9886f25,#gspb_image-id-gsbp-9886f25 img{height:200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-9886f25\" id=\"gspb_image-id-gsbp-9886f25\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/10\/Migros-Cumulus-Visa-carte-de-credit-Schweiz-kreditkarte-swiss-credit-cards-list-HD-version-.png\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"294\" height=\"200\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Mobile payment compatibility<\/strong>:<br\/>\u2022 Apple Pay<br\/>\u2022 Google Pay<br\/>\u2022 Samsung Pay<br\/>\u2022 SwatchPAY!<br\/>\u2022 Garmin Pay<br\/>\u2022 Fitbit Pay<\/p>\n\n<p><strong>Insurance<\/strong>:<br\/>&#8211; Travel insurance<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-a7de9d7 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-a7de9d7 img{height:35px!important;width:35px!important;min-width:35px!important;}#gspb_infoBox-id-gsbp-a7de9d7 img,#gspb_infoBox-id-gsbp-a7de9d7 img path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-a7de9d7 img{margin:0px !important;}#gspb_infoBox-id-gsbp-a7de9d7 img:hover,#gspb_infoBox-id-gsbp-a7de9d7 img:hover path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-a7de9d7 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-a7de9d7 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-a7de9d7 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-a7de9d7 .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-a7de9d7 .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-a7de9d7 .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-a7de9d7 .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-a7de9d7\" id=\"gspb_infoBox-id-gsbp-a7de9d7\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/carte-de-credit-icone.png\" alt=\"carte de cre\u0301dit icone\"\/><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color\">The Migros Cumulus Visa is a flagship option in Switzerland for the many regular Migros customers who want to maximize their Cumulus points, <strong>without annual fees<\/strong>.<\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"coop-supercard-carte-de-credit-visa-mastercard\">Coop Supercard &#8211; Visa\/Mastercard credit card<\/h3>\n\n<p>This free card offers 1 Supercard point for every franc spent. It fits in perfectly with Coop&#8217;s loyalty program, one of the largest in Switzerland. <\/p>\n<style>#gspb_image-id-gsbp-7dd6dee{text-align:center;}#gspb_image-id-gsbp-7dd6dee img{vertical-align:top;}#gspb_image-id-gsbp-7dd6dee img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-7dd6dee img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-7dd6dee img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-7dd6dee img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-7dd6dee img{width:auto;}}#gspb_image-id-gsbp-7dd6dee,#gspb_image-id-gsbp-7dd6dee img{height:200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-7dd6dee\" id=\"gspb_image-id-gsbp-7dd6dee\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/10\/Coop-Supercard-Visa-carte-de-credit-Schweiz-kreditkarte-swiss-credit-cards-list-HD-version.jpg\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"592\" height=\"200\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Mobile payment compatibility<\/strong>:<br\/>\u2022 Apple Pay<br\/>\u2022 Google Pay<br\/>\u2022 Samsung Pay<br\/>\u2022 SwatchPAY!<br\/>\u2022 TWINT (Supercard integration)<\/p>\n\n<p><strong>Insurance<\/strong>:<br\/>&#8211; Travel  Flight Accident Insurance<br\/>&#8211; SOS Assistance<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-005f92d .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-005f92d img,#gspb_infoBox-id-gsbp-005f92d img path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-005f92d img{margin:0px !important;}#gspb_infoBox-id-gsbp-005f92d img:hover,#gspb_infoBox-id-gsbp-005f92d img:hover path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-005f92d .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-005f92d .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-005f92d .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-005f92d .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-005f92d .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-005f92d .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-005f92d .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-005f92d\" id=\"gspb_infoBox-id-gsbp-005f92d\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/carte-de-credit-icone.png\" alt=\"carte de cre\u0301dit icone\"\/><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color\">The Coop Supercard is an interesting option for loyal Coop customers who want to accumulate points on all their purchases, <strong>without annual fees<\/strong>.<\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"manor-world-carte-de-credit-mastercard\">Manor World &#8211; Mastercard credit card<\/h3>\n\n<p>This free card offers 1 Manor point per franc spent, and 2 points per franc spent at Manor. It includes additional benefits for purchases at Manor. <\/p>\n<style>#gspb_image-id-gsbp-750c06a{text-align:center;}#gspb_image-id-gsbp-750c06a img{vertical-align:top;}#gspb_image-id-gsbp-750c06a img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-750c06a img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-750c06a img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-750c06a img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-750c06a img{width:auto;}}#gspb_image-id-gsbp-750c06a,#gspb_image-id-gsbp-750c06a img{height:200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-750c06a\" id=\"gspb_image-id-gsbp-750c06a\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/10\/Manor-World-Mastercard-carte-de-credit-Schweiz-kreditkarte-swiss-credit-cards-list-HD-e1731269022519.png\" data-src=\"\" alt=\"Manor World Mastercard credit card - Schweiz kreditkarte - swiss credit cards list HD\" loading=\"lazy\" width=\"642\" height=\"200\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Mobile payment compatibility<\/strong>:<br\/>\u2022 &#8211;<\/p>\n\n<p><strong>Insurance<\/strong>:<br\/>&#8211; Best Price Guarantee<br\/>&#8211; Purchase Protection Insurance<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-ef5de47 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-ef5de47 img,#gspb_infoBox-id-gsbp-ef5de47 img path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-ef5de47 img{margin:0px !important;}#gspb_infoBox-id-gsbp-ef5de47 img:hover,#gspb_infoBox-id-gsbp-ef5de47 img:hover path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-ef5de47 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-ef5de47 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-ef5de47 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-ef5de47 .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-ef5de47 .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-ef5de47 .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-ef5de47 .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-ef5de47\" id=\"gspb_infoBox-id-gsbp-ef5de47\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/carte-de-credit-icone.png\" alt=\"carte de cre\u0301dit icone\"\/><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color\">The Manor World Mastercard is a good option for regular Manor customers who want to maximize benefits, <strong>without annual fees<\/strong>.<\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"spar-carte-de-credit-mastercard-world\">SPAR &#8211; Mastercard World credit card<\/h3>\n\n<p>Free SPAR card allows accumulating 1 SPAR point per franc spent. No cashback, no mobile service (incompatible with Apple Pay or Google Pay), and 1.5% fees abroad. Customizable design for 30 CHF. A strictly minimalist choice.   <\/p>\n<style>#gspb_image-id-gsbp-42e1472{text-align:center;}#gspb_image-id-gsbp-42e1472 img{vertical-align:top;}#gspb_image-id-gsbp-42e1472 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-42e1472 img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-42e1472 img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-42e1472 img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-42e1472 img{width:auto;}}#gspb_image-id-gsbp-42e1472,#gspb_image-id-gsbp-42e1472 img{height:200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-42e1472\" id=\"gspb_image-id-gsbp-42e1472\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/10\/SPAR-Mastercard-World-carte-de-credit-Schweiz-kreditkarte-swiss-credit-cards-list-HD.jpg\" data-src=\"\" alt=\"SPAR Mastercard World carte de cr\u00e9dit - Schweiz kreditkarte - swiss credit cards list HD\" loading=\"lazy\" width=\"580\" height=\"200\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Mobile payment compatibility<\/strong>:<br\/>\u2022 Not compatible with Apple Pay and Google Pay<\/p>\n\n<p><strong>Insurance<\/strong>:<br\/>\u2022 Travel accidents<br\/>\u2022 Assistance abroad<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-df25ce6 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-df25ce6 img{height:35px!important;width:35px!important;min-width:35px!important;}#gspb_infoBox-id-gsbp-df25ce6 img,#gspb_infoBox-id-gsbp-df25ce6 img path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-df25ce6 img{margin:0px !important;}#gspb_infoBox-id-gsbp-df25ce6 img:hover,#gspb_infoBox-id-gsbp-df25ce6 img:hover path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-df25ce6 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-df25ce6 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-df25ce6 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-df25ce6 .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-df25ce6 .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-df25ce6 .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-df25ce6 .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-df25ce6\" id=\"gspb_infoBox-id-gsbp-df25ce6\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/carte-de-credit-icone.png\" alt=\"carte de cre\u0301dit icone\"\/><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color\">The SPAR Mastercard can be suitable as a supplementary card <strong>without annual fees<\/strong>, but it offers no real value outside the SPAR loyalty program.<\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"ikea-family-carte-de-credit-mastercard\">IKEA Family &#8211; Mastercard credit card<\/h3>\n\n<p>This free card offers 1 IKEA point per franc spent, and 3 points per franc spent at IKEA. It includes additional benefits for IKEA Family members. <\/p>\n<style>#gspb_image-id-gsbp-3820c54{text-align:center;}#gspb_image-id-gsbp-3820c54 img{vertical-align:top;}#gspb_image-id-gsbp-3820c54 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-3820c54 img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-3820c54 img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-3820c54 img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-3820c54 img{width:auto;}}#gspb_image-id-gsbp-3820c54,#gspb_image-id-gsbp-3820c54 img{height:200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-3820c54\" id=\"gspb_image-id-gsbp-3820c54\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/10\/IKEA-Family-Mastercard-carte-de-credit-Schweiz-kreditkarte-swiss-credit-cards-list-HD.webp\" data-src=\"\" alt=\"IKEA Family Mastercard carte de cr\u00e9dit - Schweiz kreditkarte - swiss credit cards list HD\" loading=\"lazy\" width=\"1280\" height=\"200\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Mobile payment compatibility<\/strong>:<br\/>\u2022 Apple Pay<br\/>\u2022 Google Pay<br\/>\u2022 Samsung Pay<br\/>\u2022 SwatchPAY!<br\/>\u2022 Garmin Pay<br\/>\u2022 Fitbit Pay<\/p>\n\n<p><strong>Insurance<\/strong>:<br\/>&#8211; Best price guarantee<br\/>&#8211; Purchasing insurance<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-68f3324 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-68f3324 img{height:35px!important;width:35px!important;min-width:35px!important;}#gspb_infoBox-id-gsbp-68f3324 img,#gspb_infoBox-id-gsbp-68f3324 img path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-68f3324 img{margin:0px !important;}#gspb_infoBox-id-gsbp-68f3324 img:hover,#gspb_infoBox-id-gsbp-68f3324 img:hover path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-68f3324 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-68f3324 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-68f3324 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-68f3324 .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-68f3324 .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-68f3324 .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-68f3324 .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-68f3324\" id=\"gspb_infoBox-id-gsbp-68f3324\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/carte-de-credit-icone.png\" alt=\"carte de cre\u0301dit icone\"\/><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color\">The IKEA Family Mastercard is an interesting option for all regular IKEA customers. It allows maximizing benefits and accumulating points quickly, <strong>without annual fees<\/strong>. <\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"fnac-mastercard-carte-de-credit-mastercard\">Fnac Mastercard &#8211; Mastercard credit card<\/h3>\n\n<p>This free card offers loyalty points on all purchases made at Fnac in-store and on Fnac.ch. It is particularly advantageous for regular Fnac customers. <\/p>\n<style>#gspb_image-id-gsbp-cd9ec84{text-align:center;}#gspb_image-id-gsbp-cd9ec84 img{vertical-align:top;}#gspb_image-id-gsbp-cd9ec84 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-cd9ec84 img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-cd9ec84 img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-cd9ec84 img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-cd9ec84 img{width:auto;}}#gspb_image-id-gsbp-cd9ec84,#gspb_image-id-gsbp-cd9ec84 img{height:200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-cd9ec84\" id=\"gspb_image-id-gsbp-cd9ec84\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/10\/karten-fnac-mastercard-card-ui17.nR2_hoZi_Z2sLqv2-Schweiz-kreditkarte-swiss-credit-cards-list-HD.webp\" data-src=\"\" alt=\"karten-fnac-mastercard-card - Schweiz kreditkarte - swiss credit cards list HD\" loading=\"lazy\" width=\"1280\" height=\"200\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Mobile payment compatibility<\/strong>:<br\/>\u2022 Apple Pay<br\/>\u2022 Google Pay<br\/>\u2022 Samsung Pay<br\/>\u2022 SwatchPAY!<br\/>\u2022 Garmin Pay<\/p>\n\n<p><strong>Insurance<\/strong>:<br\/>\u2022 Travel and fraudulent use of the card (optional)<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-6521527 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-6521527 img{height:35px!important;width:35px!important;min-width:35px!important;}#gspb_infoBox-id-gsbp-6521527 img,#gspb_infoBox-id-gsbp-6521527 img path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-6521527 img{margin:0px !important;}#gspb_infoBox-id-gsbp-6521527 img:hover,#gspb_infoBox-id-gsbp-6521527 img:hover path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-6521527 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-6521527 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-6521527 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-6521527 .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-6521527 .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-6521527 .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-6521527 .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-6521527\" id=\"gspb_infoBox-id-gsbp-6521527\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/carte-de-credit-icone.png\" alt=\"carte de cre\u0301dit icone\"\/><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color\">The Fnac Mastercard is an interesting option if you want to accumulate Fnac points on your purchases, <strong>without annual fees<\/strong>. It also offers the flexibility of <strong>installment payments<\/strong> and access to the Cembra app to easily manage transactions. The interest rate of <strong>11.95%<\/strong> for installment payments can be high if not repaid quickly.  <\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"lipo-carte-de-credit-mastercard\">LIPO &#8211; Mastercard credit card<\/h3>\n\n<p>This free card offers 1 LIPO point per franc spent. It is particularly advantageous for purchases at LIPO, offering discounts and special offers. <\/p>\n<style>#gspb_image-id-gsbp-65412f2{text-align:center;}#gspb_image-id-gsbp-65412f2 img{vertical-align:top;}#gspb_image-id-gsbp-65412f2 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-65412f2 img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-65412f2 img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-65412f2 img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-65412f2 img{width:auto;}}#gspb_image-id-gsbp-65412f2,#gspb_image-id-gsbp-65412f2 img{height:200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-65412f2\" id=\"gspb_image-id-gsbp-65412f2\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/10\/LIPO-Mastercard-carte-de-credit-Schweiz-kreditkarte-swiss-credit-cards-list-HD.webp\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"1280\" height=\"200\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Mobile payment compatibility<\/strong>:<br\/>\u2022 Apple Pay<br\/>\u2022 Google Pay<br\/>\u2022 Samsung Pay<br\/>\u2022 SwatchPAY!<br\/>\u2022 Garmin Pay<br\/>\u2022 Fitbit Pay<\/p>\n\n<p><strong>Insurance<\/strong>:<br\/>&#8211; &#8211;<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-0ac2883 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-0ac2883 img{height:35px!important;width:35px!important;min-width:35px!important;}#gspb_infoBox-id-gsbp-0ac2883 img,#gspb_infoBox-id-gsbp-0ac2883 img path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-0ac2883 img{margin:0px !important;}#gspb_infoBox-id-gsbp-0ac2883 img:hover,#gspb_infoBox-id-gsbp-0ac2883 img:hover path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-0ac2883 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-0ac2883 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-0ac2883 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-0ac2883 .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-0ac2883 .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-0ac2883 .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-0ac2883 .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-0ac2883\" id=\"gspb_infoBox-id-gsbp-0ac2883\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/carte-de-credit-icone.png\" alt=\"carte de cre\u0301dit icone\"\/><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color\">The LIPO Mastercard is an interesting option if you&#8217;re a regular LIPO customer and want to accumulate points on all your purchases, <strong>without annual fees<\/strong>.<\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Key takeaways?<\/strong><br\/>\u2022 These cards can be useful if you&#8217;re already a loyal customer of a brand (Coop, IKEA, etc.).<br\/>\u2022 They rarely offer benefits outside their network and are therefore limited as a primary card.<br\/>\u2192 Consider them as a complement, not really as a universal solution.<\/p>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">6<\/span>\t<\/div>\t<div id=\"6-cartes-credit-cashback-suisse\">\t\t<h2 class=\"mt0 mb0\">Credit Cards with Cashback<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Cashback Cards<\/div>\t<\/div><\/div>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"TCS-Member-carte-de-credit\">TCS Member &#8211; Mastercard credit card<\/h3>\n\n<p>Free card reserved for TCS members. It gives access to 1% cashback at SWISS, SBB, Airbnb or Mobility, as well as discounts on fuel (up to 5 cts\/L), electric charging (5%) or parking in Switzerland (20% via the TCS app). No annual fee, but reserved for people active in the TCS ecosystem.  <br\/><\/p>\n<style>#gspb_image-id-gsbp-4b2d9f3{text-align:center;}#gspb_image-id-gsbp-4b2d9f3 img{vertical-align:top;}#gspb_image-id-gsbp-4b2d9f3 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-4b2d9f3 img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-4b2d9f3 img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-4b2d9f3 img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-4b2d9f3 img{width:auto;}}#gspb_image-id-gsbp-4b2d9f3,#gspb_image-id-gsbp-4b2d9f3 img{height:200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-4b2d9f3\" id=\"gspb_image-id-gsbp-4b2d9f3\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/10\/TCS-Member-Mastercard-carte-de-credit-Schweiz-kreditkarte-swiss-credit-cards-list-High-Definition-.png\" data-src=\"\" alt=\"TCS Member Mastercard carte de cr\u00e9dit - Schweiz kreditkarte - swiss credit cards list High Definition\" loading=\"lazy\" width=\"762\" height=\"200\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Mobile payment compatibility<\/strong>:<br\/>\u2022 Apple Pay<br\/>\u2022 Google Pay<br\/>\u2022 Samsung Pay<br\/>\u2022 SwatchPAY!<br\/>\u2022 Garmin Pay<br\/>\u2022 Fitbit Pay<\/p>\n\n<p><strong>Insurance<\/strong>:<br\/>\u2022 Purchases<br\/>\u2022 Travel assistance<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-5e9f109 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-5e9f109 img{height:35px!important;width:35px!important;min-width:35px!important;}#gspb_infoBox-id-gsbp-5e9f109 img,#gspb_infoBox-id-gsbp-5e9f109 img path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-5e9f109 img{margin:0px !important;}#gspb_infoBox-id-gsbp-5e9f109 img:hover,#gspb_infoBox-id-gsbp-5e9f109 img:hover path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-5e9f109 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-5e9f109 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-5e9f109 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-5e9f109 .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-5e9f109 .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-5e9f109 .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-5e9f109 .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-5e9f109\" id=\"gspb_infoBox-id-gsbp-5e9f109\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/carte-de-credit-icone.png\" alt=\"carte de cre\u0301dit icone\"\/><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color\">The TCS Member Mastercard is interesting as a secondary card if you already benefit from partner services. Otherwise, it brings few differentiating advantages. <\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"postfinance-carte-de-credit-mastercard-visa-standard\">PostFinance &#8211; Mastercard\/Visa Standard credit card<\/h3>\n\n<p>This card offers 0.3% cashback on all purchases, with annual fees. It integrates perfectly with PostFinance banking s <\/p>\n\n<p>ervices, facilitating expense management.<\/p>\n<style>#gspb_image-id-gsbp-385e12b{text-align:center;}#gspb_image-id-gsbp-385e12b img{vertical-align:top;}#gspb_image-id-gsbp-385e12b img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-385e12b img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-385e12b img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-385e12b img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-385e12b img{width:auto;}}#gspb_image-id-gsbp-385e12b,#gspb_image-id-gsbp-385e12b img{height:200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-385e12b\" id=\"gspb_image-id-gsbp-385e12b\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/10\/PostFinance-Mastercard-standard-carte-de-credit-Schweiz-kreditkarte-swiss-credit-cards-list-HD-e1731269361943.png\" data-src=\"\" alt=\"PostFinance Mastercard standard credit card - Schweiz kreditkarte - swiss credit cards list HD\" loading=\"lazy\" width=\"583\" height=\"200\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Mobile payment compatibility<\/strong>:<br\/>\u2022 Apple Pay<br\/>\u2022 Google Pay<br\/>\u2022 Samsung Pay<br\/>\u2022 SwatchPAY!<br\/>\u2022 Garmin Pay<br\/>\u2022 Fitbit Pay<br\/>\u2022 Xiaomi Pay<br\/>\u2022 Fidesmo Pay<br\/>\u2022 DIGISEQ Pay<\/p>\n\n<p><strong>Insurance<\/strong>:<br\/>&#8211; Basic travel insurance<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-2d6c19d .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-2d6c19d img{height:35px!important;width:35px!important;min-width:35px!important;}#gspb_infoBox-id-gsbp-2d6c19d img,#gspb_infoBox-id-gsbp-2d6c19d img path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-2d6c19d img{margin:0px !important;}#gspb_infoBox-id-gsbp-2d6c19d img:hover,#gspb_infoBox-id-gsbp-2d6c19d img:hover path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-2d6c19d .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-2d6c19d .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-2d6c19d .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-2d6c19d .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-2d6c19d .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-2d6c19d .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-2d6c19d .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-2d6c19d\" id=\"gspb_infoBox-id-gsbp-2d6c19d\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/carte-de-credit-icone.png\" alt=\"carte de cre\u0301dit icone\"\/><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color\">The PostFinance Standard is a convenient option for PostFinance customers who want modest cashback and easy integration with their existing accounts.<\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"cornercard-carte-de-credit-visa-mastercard-classic\">Corn\u00e8rcard &#8211; Visa\/Mastercard Classic credit card<\/h3>\n\n<p>Standard credit card with an annual fee of 100 CHF. It offers 0.5% cashback on purchases (credited once the amount reaches 25 CHF).  <\/p>\n<style>#gspb_image-id-gsbp-0aba375{text-align:center;}#gspb_image-id-gsbp-0aba375 img{vertical-align:top;}#gspb_image-id-gsbp-0aba375 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-0aba375 img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-0aba375 img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-0aba375 img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-0aba375 img{width:auto;}}#gspb_image-id-gsbp-0aba375,#gspb_image-id-gsbp-0aba375 img{height:200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-0aba375\" id=\"gspb_image-id-gsbp-0aba375\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/10\/Cornercard-Classic-VisaMastercard-silver-classic-color-carte-de-credit-Schweiz-kreditkarte-swiss-credit-cards-list-HD.webp\" data-src=\"\" alt=\"Cornercard Classic Visa:Mastercard silver classic color carte de cr\u00e9dit - Schweiz kreditkarte - swiss credit cards list HD\" loading=\"lazy\" width=\"900\" height=\"200\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Mobile payment compatibility<\/strong>:<br\/>\u2022 Apple Pay<br\/>\u2022 Google Pay<br\/>\u2022 Samsung Pay<br\/>\u2022 SwatchPAY!<br\/>\u2022 Garmin Pay<\/p>\n\n<p><strong>Insurance<\/strong>:<br\/>\u2022 Purchase protection for 45 days<br\/>\u2022 Best price guarantee<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-be57fd5 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-be57fd5 img{height:35px!important;width:35px!important;min-width:35px!important;}#gspb_infoBox-id-gsbp-be57fd5 img,#gspb_infoBox-id-gsbp-be57fd5 img path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-be57fd5 img{margin:0px !important;}#gspb_infoBox-id-gsbp-be57fd5 img:hover,#gspb_infoBox-id-gsbp-be57fd5 img:hover path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-be57fd5 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-be57fd5 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-be57fd5 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-be57fd5 .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-be57fd5 .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-be57fd5 .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-be57fd5 .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-be57fd5\" id=\"gspb_infoBox-id-gsbp-be57fd5\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/carte-de-credit-icone.png\" alt=\"carte de cre\u0301dit icone\"\/><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color\">The Corn\u00e8rcard Classic can be suitable as a single card if you&#8217;re looking for some cashback with <strong>useful insurance<\/strong>, without focusing on complex bonuses.<\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"swisscard-carte-de-credit-american-express\">Swisscard &#8211; American Express credit card<\/h3>\n\n<p>This free American Express card offers 0.5% cashback on all purchases, with an annual fee. It includes extensive travel insurance and special offers with selected partners. <\/p>\n<style>#gspb_image-id-gsbp-c842444{text-align:center;}#gspb_image-id-gsbp-c842444 img{vertical-align:top;}#gspb_image-id-gsbp-c842444 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-c842444 img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-c842444 img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-c842444 img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-c842444 img{width:auto;}}#gspb_image-id-gsbp-c842444,#gspb_image-id-gsbp-c842444 img{height:200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-c842444\" id=\"gspb_image-id-gsbp-c842444\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/10\/Swisscard-Cashback-American-Express-Schweiz-kreditkarte-swiss-credit-cards-list-HD.png\" data-src=\"\" alt=\"Swisscard Cashback American Express - Schweiz kreditkarte - swiss credit cards list HD\" loading=\"lazy\" width=\"830\" height=\"200\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Mobile payment compatibility<\/strong>:<br\/>\u2022 Apple Pay<br\/>\u2022 Samsung Pay<\/p>\n\n<p><strong>Insurance<\/strong>:<br\/>\u2022 Purchase protection<br\/>\u2022 Best price guarantee<br\/><\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-65f14bc .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-65f14bc img{height:35px!important;width:35px!important;min-width:35px!important;}#gspb_infoBox-id-gsbp-65f14bc img,#gspb_infoBox-id-gsbp-65f14bc img path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-65f14bc img{margin:0px !important;}#gspb_infoBox-id-gsbp-65f14bc img:hover,#gspb_infoBox-id-gsbp-65f14bc img:hover path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-65f14bc .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-65f14bc .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-65f14bc .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-65f14bc .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-65f14bc .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-65f14bc .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-65f14bc .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-65f14bc\" id=\"gspb_infoBox-id-gsbp-65f14bc\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/carte-de-credit-icone.png\" alt=\"carte de cre\u0301dit icone\"\/><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color\">The Swisscard Amex is an interesting option for <strong>maximizing cashback<\/strong> on everyday expenses, despite the annual fees and limited acceptance of Amex in Switzerland.<\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"cornercard-zoom-carte-de-credit-visa-mastercard\">Corn\u00e8rcard Zoom &#8211; Visa\/Mastercard credit card<\/h3>\n\n<p>This card offers 0.5% cashback on all purchases, with an annual fee. It is specially designed for young people and students, with more flexible terms and conditions. <\/p>\n<style>#gspb_image-id-gsbp-57ddfbc{text-align:center;}#gspb_image-id-gsbp-57ddfbc img{vertical-align:top;}#gspb_image-id-gsbp-57ddfbc img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-57ddfbc img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-57ddfbc img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-57ddfbc img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-57ddfbc img{width:auto;}}#gspb_image-id-gsbp-57ddfbc,#gspb_image-id-gsbp-57ddfbc img{height:200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-57ddfbc\" id=\"gspb_image-id-gsbp-57ddfbc\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/10\/Cornercard-Zoom-VisaMastercard-personnalisable-Cornercard-Classic-VisaMastercard-classic-black-color-carte-de-credit-Schweiz-kreditkarte-swiss-credit-cards-list-HD.webp\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"900\" height=\"200\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Mobile payment compatibility<\/strong>:<br\/>\u2022 Apple Pay<br\/>\u2022 Google Pay<br\/>\u2022 Samsung Pay<\/p>\n\n<p><strong>Insurance:<br\/><\/strong>\u2022 Purchase protection (optional)<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-812a55f .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-812a55f img{height:35px!important;width:35px!important;min-width:35px!important;}#gspb_infoBox-id-gsbp-812a55f img,#gspb_infoBox-id-gsbp-812a55f img path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-812a55f img{margin:0px !important;}#gspb_infoBox-id-gsbp-812a55f img:hover,#gspb_infoBox-id-gsbp-812a55f img:hover path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-812a55f .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-812a55f .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-812a55f .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-812a55f .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-812a55f .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-812a55f .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-812a55f .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-812a55f\" id=\"gspb_infoBox-id-gsbp-812a55f\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/carte-de-credit-icone.png\" alt=\"carte de cre\u0301dit icone\"\/><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color\">The Corn\u00e8rcard Zoom is designed for young people who are starting to use a credit card, with good cashback despite the annual fees.<\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"cornercard-wwf-carte-de-credit-visa\">Corn\u00e8rcard WWF &#8211; Visa credit card<\/h3>\n\n<p>This Visa card offers 0.5% cashback on all purchases, with an annual fee. A portion of spending is donated to WWF to support environmental projects. <\/p>\n<style>#gspb_image-id-gsbp-bc3a7b4{text-align:center;}#gspb_image-id-gsbp-bc3a7b4 img{vertical-align:top;}#gspb_image-id-gsbp-bc3a7b4 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-bc3a7b4 img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-bc3a7b4 img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-bc3a7b4 img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-bc3a7b4 img{width:auto;}}#gspb_image-id-gsbp-bc3a7b4,#gspb_image-id-gsbp-bc3a7b4 img{height:200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-bc3a7b4\" id=\"gspb_image-id-gsbp-bc3a7b4\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/10\/Cornercard-WWF-Visa-carte-de-credit-Schweiz-kreditkarte-swiss-credit-cards-list-HD.webp\" data-src=\"\" alt=\"Cornercard WWF Visa credit card - Schweiz kreditkarte - swiss credit cards list HD\" loading=\"lazy\" width=\"900\" height=\"200\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Mobile payment compatibility<\/strong>:<br\/>\u2022 Apple Pay<br\/>\u2022 Google Pay<br\/>\u2022 Samsung Pay<br\/>\u2022 SwatchPAY!<br\/>\u2022 Garmin Pay<\/p>\n\n<p><strong>Insurance<\/strong>:<br\/>\u2022 45-day purchase protection<br\/>\u2022 Best price guarantee<br\/>\u2022 Legal protection<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-30102c1 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-30102c1 img{height:35px!important;width:35px!important;min-width:35px!important;}#gspb_infoBox-id-gsbp-30102c1 img,#gspb_infoBox-id-gsbp-30102c1 img path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-30102c1 img{margin:0px !important;}#gspb_infoBox-id-gsbp-30102c1 img:hover,#gspb_infoBox-id-gsbp-30102c1 img:hover path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-30102c1 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-30102c1 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-30102c1 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-30102c1 .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-30102c1 .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-30102c1 .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-30102c1 .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-30102c1\" id=\"gspb_infoBox-id-gsbp-30102c1\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/carte-de-credit-icone.png\" alt=\"carte de cre\u0301dit icone\"\/><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color\">The Corn\u00e8rcard WWF is an interesting option to <strong>combine cashback and support for the environment<\/strong>.<\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"postfinance-carte-de-credit-mastercard-visa-or\">PostFinance &#8211; Mastercard\/Visa Gold credit card<\/h3>\n\n<p>This top-of-the-range card offers 0.5% cashback on all purchases, with a higher annual fee. It includes extensive travel insurance and concierge services. <\/p>\n<style>#gspb_image-id-gsbp-3847dd9{text-align:center;}#gspb_image-id-gsbp-3847dd9 img{vertical-align:top;}#gspb_image-id-gsbp-3847dd9 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-3847dd9 img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-3847dd9 img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-3847dd9 img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-3847dd9 img{width:auto;}}#gspb_image-id-gsbp-3847dd9,#gspb_image-id-gsbp-3847dd9 img{height:200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-3847dd9\" id=\"gspb_image-id-gsbp-3847dd9\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/10\/PostFinance-MastercardVisa-Gold-cartes-de-credit-Schweiz-kreditkarten-swiss-credit-cards-list-HD-1.png\" data-src=\"\" alt=\"PostFinance Mastercard\/Visa Gold cartes de cr\u00e9dit - Schweiz kreditkarten - swiss credit cards list HD\" loading=\"lazy\" width=\"417\" height=\"200\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Mobile payment compatibility<\/strong>:<br\/>\u2022 Apple Pay<br\/>\u2022 Google Pay<br\/>\u2022 Samsung Pay<br\/>\u2022 SwatchPAY!<br\/>\u2022 Garmin Pay<br\/>\u2022 Fitbit Pay<\/p>\n\n<p><strong>Insurance<\/strong>:<br\/>&#8211; Comprehensive travel insurance<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-2e662c3 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-2e662c3 img{height:35px!important;width:35px!important;min-width:35px!important;}#gspb_infoBox-id-gsbp-2e662c3 img,#gspb_infoBox-id-gsbp-2e662c3 img path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-2e662c3 img{margin:0px !important;}#gspb_infoBox-id-gsbp-2e662c3 img:hover,#gspb_infoBox-id-gsbp-2e662c3 img:hover path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-2e662c3 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-2e662c3 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-2e662c3 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-2e662c3 .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-2e662c3 .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-2e662c3 .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-2e662c3 .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-2e662c3\" id=\"gspb_infoBox-id-gsbp-2e662c3\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/carte-de-credit-icone.png\" alt=\"carte de cre\u0301dit icone\"\/><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color\">The PostFinance Gold is a premium option for those who travel frequently and appreciate high-end services.<\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Key takeaways?<\/strong><br\/>\u2022 The Corn\u00e8rcard Classic offers a good compromise: decent cashback and useful insurance.<br\/>\u2022 The TCS card is interesting if you&#8217;re already a member and use their partners.<br\/>\u2022 PostFinance only offers 0.3% cashback, without exchange rate benefits or insurance. It&#8217;s only useful if you already centralize your finances with them. <br\/>\u2192 These cards are rarely the most cost-effective as a primary card.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"cashback-reel-vs-marketing-combien-gagne-t-on-vraiment\">Real cashback vs. marketing: how much do you really earn?<\/h3>\n\n<p>It&#8217;s true that cashback can seem attractive&#8230; but the return is often lower than you might imagine. For example:  <\/p>\n\n<p>0.5% cashback = 50 CHF for 10,000 CHF of expenses<\/p>\n\n<p>If the card costs 100 CHF\/year, you need to spend 20,000 CHF\/year just to break even.<\/p>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.blue_type{color:#31708f;background-color:#d9edf7;border-color:#bcdff1}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-e5acf39b-c7d5 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:10px;padding-left:10px;}}#gspb_infoBox-id-gsbp-e5acf39b-c7d5 svg,#gspb_infoBox-id-gsbp-e5acf39b-c7d5 svg path{fill:#ffffff !important;}#gspb_infoBox-id-gsbp-e5acf39b-c7d5 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-e5acf39b-c7d5 svg:hover,#gspb_infoBox-id-gsbp-e5acf39b-c7d5 svg:hover path{fill:var(--wp--preset--color--main,var(--rehub-main-color)) !important;}#gspb_infoBox-id-gsbp-e5acf39b-c7d5 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-e5acf39b-c7d5 .gs-box{border:0;}#gspb_infoBox-id-gsbp-e5acf39b-c7d5 .gs-box{background-color:var(--wp--preset--color--secondary,var(--rehub-sec-color));}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-e5acf39b-c7d5 .gs-box{background-color:var(--wp--preset--color--secondary,var(--rehub-sec-color));}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-e5acf39b-c7d5 .gs-box{background-color:var(--wp--preset--color--secondary,var(--rehub-sec-color));}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-e5acf39b-c7d5 .gs-box{background-color:var(--wp--preset--color--secondary,var(--rehub-sec-color));}}#gspb_infoBox-id-gsbp-e5acf39b-c7d5 .gs-box{color:#ffffff}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-e5acf39b-c7d5\" id=\"gspb_infoBox-id-gsbp-e5acf39b-c7d5\"><div class=\"gs-box blue_type \"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 1152 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M576 288c-22.421 0.361-43.864 3.991-64.051 10.433l1.571-0.433c8.982 15.522 14.338 34.12 14.48 53.959l0 0.041c0 61.856-50.144 112-112 112v0c-19.88-0.142-38.478-5.498-54.535-14.765l0.535 0.285c-5.551 18.541-8.746 39.847-8.746 61.899 0 123.391 100.029 223.42 223.42 223.42s223.42-100.029 223.42-223.42c0-123.391-100.029-223.42-223.42-223.42-0.237 0-0.474 0-0.711 0.001l0.037-0zM1145.040 482.8c-108.46-211.62-323.18-354.8-569.040-354.8s-460.64 143.28-569.040 354.82c-4.387 8.495-6.959 18.542-6.959 29.19s2.572 20.695 7.129 29.553l-0.17-0.363c108.46 211.62 323.18 354.8 569.040 354.8s460.64-143.28 569.040-354.82c4.387-8.495 6.959-18.542 6.959-29.19s-2.572-20.695-7.129-29.553l0.17 0.363zM576 800c-197.3 0-378.18-110-475.86-288 97.68-178 278.54-288 475.86-288s378.18 110 475.86 288c-97.66 178-278.54 288-475.86 288z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>A free card with cashback is <strong>profitable from the first franc spent<\/strong>.<\/p>\n\n\n\n<p>A paid card is only worth it if it brings other clear benefits: insurance, lounge access, travel assistance, etc.<\/p>\n<\/div><\/div><\/div>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">7<\/span>\t<\/div>\t<div id=\"7-meilleure-carte-credit-voyage-etranger\">\t\t<h2 class=\"mt0 mb0\">The Best Credit Card for Traveling?<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Cards for Traveling<\/div>\t<\/div><\/div>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"swiss-miles-more-classic-1\">SWISS Miles  More Classic<\/h3>\n\n<p>This card duo allows you to accumulate miles with each expense: 1.5 miles per 2 CHF with American Express, 0.6 miles per 2 CHF with Mastercard. The miles expire after 36 months, unless you make at least one eligible purchase per month. Miles can be used for award flights, upgrades, or services with SWISS, Lufthansa, or other Star Alliance companies. In return, you have to accept an annual fee of 120 CHF for the complete package.   <\/p>\n<style>#gspb_image-id-gsbp-f287369{text-align:center;}#gspb_image-id-gsbp-f287369 img{vertical-align:top;}#gspb_image-id-gsbp-f287369 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-f287369 img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-f287369 img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-f287369 img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-f287369 img{width:auto;}}#gspb_image-id-gsbp-f287369,#gspb_image-id-gsbp-f287369 img{height:300px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-f287369\" id=\"gspb_image-id-gsbp-f287369\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/10\/Swiss-Miles-More-Classic-carte-de-credit-Schweiz-kreditkarte-swiss-credit-cards-list-HD.jpg\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"1120\" height=\"300\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Mobile payment compatibility<\/strong>:<br\/>\u2022 Apple Pay<br\/>\u2022 Google Pay<br\/>\u2022 Samsung Pay<\/p>\n\n<p><strong>Insurance<\/strong>:<br\/>\u2022 Transport accidents (up to 700,000 CHF)<br\/>\u2022 Travel inconveniences (up to 700 CHF)<br\/>\u2022 Search, rescue, and recovery costs (up to 60,000 CHF)<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-067791e .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-067791e img{height:35px!important;width:35px!important;min-width:35px!important;}#gspb_infoBox-id-gsbp-067791e img,#gspb_infoBox-id-gsbp-067791e img path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-067791e img{margin:0px !important;}#gspb_infoBox-id-gsbp-067791e img:hover,#gspb_infoBox-id-gsbp-067791e img:hover path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-067791e .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-067791e .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-067791e .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-067791e .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-067791e .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-067791e .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-067791e .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-067791e\" id=\"gspb_infoBox-id-gsbp-067791e\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/carte-de-credit-icone.png\" alt=\"carte de cre\u0301dit icone\"\/><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color\">The Miles  More Classic duo can be suitable if you travel regularly with SWISS, Lufthansa, or Star Alliance partners, and optimize miles for award tickets or upgrades.<\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"amex-gold\"><strong>Amex Gold<\/strong><\/h3>\n\n<p>Suitable for frequent travelers. It offers exclusive benefits such as Priority Pass for airport lounges and extensive insurance. Each franc spent earns Membership Rewards (MR) points, which can be used for hotel nights, upgrades, or flight tickets. In Switzerland, these points are even <a href=\"https:\/\/www.miles-and-more.com\/ch\/fr\/earn\/switzerland-american-express-membership-rewards\/partner\/finance\/american-express-membership-rewards\/earn\/basic-offer\/american-express-membership-rewards_earn_basic_01.html\">convertible<\/a> to <strong>Miles  More miles<\/strong>, so they can be used with SWISS, Lufthansa, Eurowings, and all Star Alliance companies. It&#8217;s an alternative to Swiss Miles  More cards that credit miles directly with each purchase. The Amex Gold offers more freedom in using points but requires a bit more involvement to maximize the benefits.     <\/p>\n<style>#gspb_image-id-gsbp-f3e2e16{text-align:center;}#gspb_image-id-gsbp-f3e2e16 img{vertical-align:top;}#gspb_image-id-gsbp-f3e2e16 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-f3e2e16 img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-f3e2e16 img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-f3e2e16 img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-f3e2e16 img{width:auto;}}#gspb_image-id-gsbp-f3e2e16,#gspb_image-id-gsbp-f3e2e16 img{height:200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-f3e2e16\" id=\"gspb_image-id-gsbp-f3e2e16\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/10\/alpian-gold.webp\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"930\" height=\"200\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Mobile payment compatibility:<\/strong><br\/>\u2022 Apple Pay<br\/>\u2022 Google Pay<br\/>\u2022 Samsung Pay<\/p>\n\n<p><strong>Insurance:<\/strong><br\/>\u2022 Travel accident insurance up to 500,000 CHF<br\/>\u2022 Trip cancellation insurance up to 10,000 CHF<br\/>\u2022 Baggage insurance up to 5,000 CHF<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-236d857 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-236d857 img{height:35px!important;width:35px!important;min-width:35px!important;}#gspb_infoBox-id-gsbp-236d857 img,#gspb_infoBox-id-gsbp-236d857 img path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-236d857 img{margin:0px !important;}#gspb_infoBox-id-gsbp-236d857 img:hover,#gspb_infoBox-id-gsbp-236d857 img:hover path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-236d857 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-236d857 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-236d857 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-236d857 .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-236d857 .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-236d857 .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-236d857 .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-236d857\" id=\"gspb_infoBox-id-gsbp-236d857\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/carte-de-credit-icone.png\" alt=\"carte de cre\u0301dit icone\"\/><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color has-link-color wp-elements-e475a3fedc2d780148e003f7764573ef\"><strong>To fully benefit from the Amex Gold<\/strong>, it&#8217;s best to use it for as many purchases as possible. Each payment earns points that can be converted into miles or travel benefits. Sometimes, special offers add a bonus to the conversion, such as +25% Miles  More miles.  <\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"revolut-metal-carte-de-debit\">Revolut Metal \u2013 debit card<\/h3>\n\n<p>This premium metal card offers attractive cashback of up to 1% on all purchases, as well as exclusive benefits for travelers, such as free withdrawals abroad up to 800 CHF per month and comprehensive travel insurance.<\/p>\n<style>#gspb_image-id-gsbp-fcf1627{text-align:center;}#gspb_image-id-gsbp-fcf1627 img{vertical-align:top;}#gspb_image-id-gsbp-fcf1627 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-fcf1627 img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-fcf1627 img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-fcf1627 img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-fcf1627 img{width:auto;}}#gspb_image-id-gsbp-fcf1627,#gspb_image-id-gsbp-fcf1627 img{height:200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-fcf1627\" id=\"gspb_image-id-gsbp-fcf1627\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/10\/Revolut-Metal-de-debit-Schweiz-karte-swiss-credit-cards-list-HD-e1743639383994.jpg\" data-src=\"\" alt=\"Revolut Metal debit - Switzerland card - swiss credit cards list HD\" loading=\"lazy\" width=\"900\" height=\"200\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Mobile payment compatibility:<\/strong><br\/>\u2022 Apple Pay<br\/>\u2022 Google Pay<br\/>\u2022 Fitbit Pay<br\/>\u2022 Garmin Pay<\/p>\n\n<p><strong>Insurance:<\/strong><br\/>\u2022 Travel insurance (cancellation, flight delay, lost luggage)<br\/>\u2022 Emergency medical and dental insurance abroad<br\/>\u2022 Purchase protection guarantee up to 10,000 CHF\/year<br\/>\u2022 Car rental insurance (deductible included)<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-c25012b .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-c25012b img{height:35px!important;width:35px!important;min-width:35px!important;}#gspb_infoBox-id-gsbp-c25012b img,#gspb_infoBox-id-gsbp-c25012b img path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-c25012b img{margin:0px !important;}#gspb_infoBox-id-gsbp-c25012b img:hover,#gspb_infoBox-id-gsbp-c25012b img:hover path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-c25012b .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-c25012b .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-c25012b .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-c25012b .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-c25012b .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-c25012b .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-c25012b .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-c25012b\" id=\"gspb_infoBox-id-gsbp-c25012b\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/carte-de-credit-icone.png\" alt=\"carte de cre\u0301dit icone\"\/><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color\">The Revolut Metal is an ideal option for frequent travelers. However, its monthly cost (18.99 CHF\/month) may be a deterrent for those who don&#8217;t fully utilize the included services. <\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Key takeaways?<\/strong><br\/>\u2022 Premium cards include travel insurance, but exchange fees remain high.<br\/>\u2022 Revolut Metal is the only one to combine optimized exchange, included withdrawals, and extended coverage, but with a paid subscription.<br\/><br\/>If the goal is to pay outside CHF, a <strong>neobank debit card is always more advantageous<\/strong>.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"les-miles-ca-vaut-encore-le-coup\">Are miles still worth it?<\/h3>\n\n<p>Many cards promise miles with every spend. But what is their real value in %%currentyear%%? <\/p>\n\n<p>Miles often expire after 36 months.<br\/>Their value varies and is sometimes not transparent (1 mile = ? CHF?).<br\/>You need to centralize all your expenses on the same card to hope for a concrete return.<\/p>\n\n<p>Useful alternative if you&#8217;re looking for benefits:<br\/>The Amex Gold: points can be converted into miles or hotel nights.<br\/>Cashback: offers a more direct, flexible, and predictable gain.<\/p>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.blue_type{color:#31708f;background-color:#d9edf7;border-color:#bcdff1}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-248d5f4 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:10px;padding-left:10px;}}#gspb_infoBox-id-gsbp-248d5f4 svg,#gspb_infoBox-id-gsbp-248d5f4 svg path{fill:#ffffff !important;}#gspb_infoBox-id-gsbp-248d5f4 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-248d5f4 svg:hover,#gspb_infoBox-id-gsbp-248d5f4 svg:hover path{fill:var(--wp--preset--color--main,var(--rehub-main-color)) !important;}#gspb_infoBox-id-gsbp-248d5f4 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-248d5f4 .gs-box{border:0;}#gspb_infoBox-id-gsbp-248d5f4 .gs-box{background-color:var(--wp--preset--color--secondary,var(--rehub-sec-color));}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-248d5f4 .gs-box{background-color:var(--wp--preset--color--secondary,var(--rehub-sec-color));}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-248d5f4 .gs-box{background-color:var(--wp--preset--color--secondary,var(--rehub-sec-color));}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-248d5f4 .gs-box{background-color:var(--wp--preset--color--secondary,var(--rehub-sec-color));}}#gspb_infoBox-id-gsbp-248d5f4 .gs-box{color:#ffffff}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-248d5f4\" id=\"gspb_infoBox-id-gsbp-248d5f4\"><div class=\"gs-box blue_type \"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 1152 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M576 288c-22.421 0.361-43.864 3.991-64.051 10.433l1.571-0.433c8.982 15.522 14.338 34.12 14.48 53.959l0 0.041c0 61.856-50.144 112-112 112v0c-19.88-0.142-38.478-5.498-54.535-14.765l0.535 0.285c-5.551 18.541-8.746 39.847-8.746 61.899 0 123.391 100.029 223.42 223.42 223.42s223.42-100.029 223.42-223.42c0-123.391-100.029-223.42-223.42-223.42-0.237 0-0.474 0-0.711 0.001l0.037-0zM1145.040 482.8c-108.46-211.62-323.18-354.8-569.040-354.8s-460.64 143.28-569.040 354.82c-4.387 8.495-6.959 18.542-6.959 29.19s2.572 20.695 7.129 29.553l-0.17-0.363c108.46 211.62 323.18 354.8 569.040 354.8s460.64-143.28 569.040-354.82c4.387-8.495 6.959-18.542 6.959-29.19s-2.572-20.695-7.129-29.553l0.17 0.363zM576 800c-197.3 0-378.18-110-475.86-288 97.68-178 278.54-288 475.86-288s378.18 110 475.86 288c-97.66 178-278.54 288-475.86 288z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Miles are worth it only if you fly regularly with SWISS, Lufthansa, or other Star Alliance companies.<br\/>Otherwise, a good cashback will do the same job, with fewer constraints.<\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.info_type{color:#155724;background-color:#d4edda;border-color:#c3e6cb}.gs-box.info_type svg{fill:#30a030}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-4af1e95 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:0px;padding-left:10px;}}#gspb_infoBox-id-gsbp-4af1e95 img{height:35px!important;width:35px!important;min-width:35px!important;}#gspb_infoBox-id-gsbp-4af1e95 img,#gspb_infoBox-id-gsbp-4af1e95 img path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-4af1e95 img{margin:0px !important;}#gspb_infoBox-id-gsbp-4af1e95 img:hover,#gspb_infoBox-id-gsbp-4af1e95 img:hover path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-4af1e95 img{transform:rotateZ(0deg);}#gspb_infoBox-id-gsbp-4af1e95 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-4af1e95 .gs-box{border-style:solid;border-width:1px;border-color:#e6e6e6;}#gspb_infoBox-id-gsbp-4af1e95 .gs-box{border-left-style:solid;border-left-width:1px;}#gspb_infoBox-id-gsbp-4af1e95 .gs-box{background-color:#fafafa;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-4af1e95 .gs-box{background-color:#fafafa;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-4af1e95 .gs-box{background-color:#fafafa;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-4af1e95 .gs-box{background-color:#fafafa;}}#gspb_infoBox-id-gsbp-4af1e95 .gs-box{opacity:1}#gspb_infoBox-id-gsbp-4af1e95 .gs-box{color:var(--wp--preset--color--secondary,var(--rehub-sec-color))}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-4af1e95\" id=\"gspb_infoBox-id-gsbp-4af1e95\"><div class=\"gs-box info_type icon_type\"><div class=\"gs-box-icon\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/carte-de-credit-icone.png\" alt=\"carte de cre\u0301dit icone\"\/><\/div><div class=\"gs-box-text\">\n<p class=\"has-text-align-left has-secondary-color has-text-color\"><strong>Which card should I use to rent a car?<\/strong><\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>.gspb_text-id-gsbp-3cdf0bf,.gspb_text-id-gsbp-3cdf0bf .gsap-g-line{text-align:left!important;}.gspb_text-id-gsbp-3cdf0bf{font-weight:custom!important;}.gspb_text-id-gsbp-3cdf0bf{color:var(--wp--preset--color--secondary,var(--rehub-sec-color));}.gspb_text-id-gsbp-3cdf0bf{margin-top:0px!important;margin-bottom:0px!important;margin-left:-40px!important;}<\/style>\n<div id=\"gspb_text-id-gsbp-3cdf0bf\" class=\"gspb_text gspb_text-id-gsbp-3cdf0bf \">\ud83d\ude99<strong> <\/strong>Today, debit cards are more widely accepted for car rentals. We still advise you to <strong>take a credit card<\/strong> as a backup for your security deposit. <\/div>\n<\/div><\/div><\/div>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">8<\/span>\t<\/div>\t<div id=\"8-quelle-carte-credit-payer-etranger\">\t\t<h2 class=\"mt0 mb0\">Credit Cards for Paying Abroad?<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">The Best Cards for Paying Abroad<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>It&#8217;s not the payments themselves that are problematic.<br\/>It&#8217;s <strong>the invisible fees that add up<\/strong>:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>the <strong>exchange rate<\/strong> (or conversion fee)<\/li>\n\n\n\n<li>fixed fees or percentage on <strong>foreign currency withdrawals<\/strong><\/li>\n<\/ul>\n\n<p>Fees vary greatly depending on the cards.<\/p>\n\n<p>For advice specific to travel \/ holidays \/ abroad, read our specialized article: <br\/><a href=\"https:\/\/heyneo.ch\/en\/news\/travel-card-fees\/\" data-type=\"post\" data-id=\"6393\">What is the best bank card for traveling abroad?<\/a><\/p>\n\n<h3 class=\"wp-block-heading\" id=\"comparatif-des-cartes-suisses-de-credit-et-debit-en-voyage\"><strong>Comparison of Swiss credit (and debit) cards for travel<\/strong><\/h3>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>\u2708\ufe0f <strong>Card \/ Bank<\/strong><\/td><td><strong>Type<\/strong><\/td><td><strong>Currencies <\/strong><\/td><td><strong>Exchange Fees<\/strong><\/td><td><strong>Foreign withdrawal fees<\/strong><\/td><\/tr><tr><td><strong>Alpian<\/strong><\/td><td>debit<\/td><td>CHF, EUR, USD, GBP<\/td><td>0.2% on weekdays, 0.5% on weekends<\/td><td>2.5% of the amount<\/td><\/tr><tr><td><strong>Amex Cashback<\/strong><\/td><td>credit<\/td><td>Multi-currency (online payment)<\/td><td>Amex rate without added fees<\/td><td>~3.75% of the amount<\/td><\/tr><tr><td><strong>Coop Mastercard<\/strong><\/td><td>credit<\/td><td>Multi-currency<\/td><td>1.75% \u2013 2.5% depending on the operation<\/td><td>~3.75% of the amount<\/td><\/tr><tr><td><strong>Cumulus Visa<\/strong><\/td><td>credit<\/td><td>Multi-currency<\/td><td>1.5% \u2013 2.0% depending on the operation<\/td><td>~3.75% of the amount<\/td><\/tr><tr><td><strong>Manor Mastercard<\/strong><\/td><td>credit<\/td><td>Multi-currency<\/td><td>~2.5%<\/td><td>~3.75% of the amount<\/td><\/tr><tr><td><strong>N26<\/strong><\/td><td>debit<\/td><td>EUR<\/td><td>No exchange fees<\/td><td>2 free EUR withdrawals\/month, then 2 \u20ac, 1.7% other currencies<\/td><\/tr><tr><td><strong>Neon<\/strong><\/td><td>debit<\/td><td>CHF<\/td><td>Mastercard rate increased by 0.35%<\/td><td>1.5% of the amount<\/td><\/tr><tr><td><strong>Poinz Amex<\/strong> \/ <strong>Visa<\/strong><\/td><td>credit<\/td><td>Multi-currency<\/td><td>Amex rate without added fees<\/td><td>~3.75% of the amount<\/td><\/tr><tr><td><strong>Revolut (Standard)<\/strong><\/td><td>debit<\/td><td>Multi-currency<\/td><td>0% up to 1,000 CHF\/month, then 0.5%<\/td><td>Free up to 200 CHF\/month, then 2%<\/td><\/tr><tr><td><strong>Revolut Metal<\/strong><\/td><td>debit<\/td><td>Multi-currency<\/td><td>0%, no limit<\/td><td>Free up to 800 CHF\/month, then 2%<\/td><\/tr><tr><td><strong>Wise<\/strong><\/td><td>debit<\/td><td>Multi-currency<\/td><td>0.4% \u2013 1.3% depending on currency (avg. 0.85%)<\/td><td>Free up to 250 CHF\/month, then 1.75% + 0.5 CHF\/withdrawal<\/td><\/tr><tr><td><strong>Yuh<\/strong><\/td><td>debit<\/td><td>CHF, EUR, USD<\/td><td>0.95%, no exchange on weekends<\/td><td>4.90 CHF per withdrawal<\/td><\/tr><tr><td><strong>Zak<\/strong><\/td><td>debit<\/td><td>CHF<\/td><td>2% of the amount<\/td><td>2% + 5.00 CHF per withdrawal<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Source: <a href=\"https:\/\/heyneo.ch\/en\/\">heyneo.ch review<\/a><\/figcaption><\/figure>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h4 class=\"wp-block-heading has-medium-font-size\" id=\"et-en-pratique\">And in practice?<\/h4>\n\n<p>Here&#8217;s a realistic scenario to understand:<\/p>\n\n<p><strong>\u2708\ufe0f For a short trip with 5 payments + 3 withdrawals abroad<\/strong><\/p>\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>#gspb_image-id-gsbp-85bf09d img{vertical-align:top;}#gspb_image-id-gsbp-85bf09d img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-85bf09d\" id=\"gspb_image-id-gsbp-85bf09d\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/Estimated-fees-for-a-trip-abroad@2x.webp\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"8340\" height=\"3534\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h4 class=\"wp-block-heading\" id=\"ce-que-montre-vraiment-cette-simulation-de-frais\">What this fee simulation really shows<\/h4>\n\n<p>There are <span style=\"text-decoration: underline;\">not only<\/span> differences.<br\/>The simulation reveals <strong>three concrete trends<\/strong> to keep in mind:<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"1-les-cartes-gratuites-peuvent-couter-cher-a-l-etranger\">1. &#8216;Free&#8217; cards can be expensive abroad<\/h3>\n\n<p>Zak, Coop, Manor, Cumulus Visa <strong>exceed CHF 20 in fees<\/strong> for a simple trip.<br\/>The reasons: increased exchange rates and accumulated withdrawal fees.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"2-les-cartes-les-plus-efficaces-a-l-usage-ont-parfois-un-cout-fixe\">2. The most efficient cards in use sometimes have a fixed cost<\/h3>\n\n<ul class=\"wp-block-list\">\n<li>Revolut Metal is the only card <strong>without any fees<\/strong> in the tested scenario (payments + withdrawals), but this assumes paying a monthly subscription (18.99 CHF).<\/li>\n\n\n\n<li>Revolut Standard remains very competitive as long as you stay under the free limits.<\/li>\n\n\n\n<li>Amex Cashback and Poinz are excellent for online or foreign payments, but <strong>should not be used for withdrawals<\/strong>.<\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"3-les-neo-banques-assurent-avec-les-paiements-mais-moins-sur-les-retraits\">3. Neobanks excel with payments, but less so with withdrawals<\/h3>\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/heyneo.ch\/en\/service\/wise-review\/\">Wise<\/a> remains a good hybrid alternative: moderate fees + free withdrawals up to 250 CHF\/month.<\/li>\n\n\n\n<li><strong>Neon (Plus)<\/strong> allows you to pay abroad <strong>without any exchange fees<\/strong>.<\/li>\n\n\n\n<li>Yuh, on the other hand, charges 0.95% on payments in currencies other than CHF, EUR, or USD.<\/li>\n<\/ul>\n\n<p><br\/>Note:<br\/><br\/>Yuh offers a <strong>native multi-currency account<\/strong> (CHF, EUR, USD), convenient for <strong>avoiding conversion<\/strong> if you receive or store funds in these currencies.<\/p>\n\n<p>But for withdrawals, fees remain high:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Neon: 1.5%, or 1.0% with neon Plus<\/li>\n\n\n\n<li>Yuh: 4.90 CHF from the first withdrawal<\/li>\n<\/ul>\n\n<p>So, these cards are <strong>excellent for payments<\/strong>, but <strong>not well-suited for frequent withdrawals<\/strong>.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">9<\/span>\t<\/div>\t<div id=\"9-eviter-frais-caches-etranger\">\t\t<h2 class=\"mt0 mb0\">How to avoid hidden fees abroad?<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Avoiding Hidden Fees Abroad<\/div>\t<\/div><\/div>\n<p>Even free cards can generate <strong>over CHF 20 in fees<\/strong> for a short trip abroad, especially <strong>Zak, Coop, Manor, or Cumulus Visa<\/strong>, which apply fees on <strong>exchange rates<\/strong> and <strong>withdrawals<\/strong>.<\/p>\n\n<p><strong>However, several neobanks allow you to limit costs, provided you are aware of their limits or restrictions:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Revolut Metal<\/strong> is the <strong>only card without any fees<\/strong>, including payments and withdrawals, but costs 18.99 CHF\/month.<\/li>\n\n\n\n<li><strong>Revolut Standard<\/strong> remains very competitive, as long as you stay under the free limits (1,000 CHF in payments, 200 CHF in withdrawals).<\/li>\n\n\n\n<li><strong>Wise<\/strong> offers a good compromise, with a real rate on conversions and 250 CHF\/month of free withdrawals.<\/li>\n\n\n\n<li><strong>neon Plus<\/strong> offers 0% exchange for 2 CHF\/month, but withdrawals are still charged (1.0\u20131.5%).<\/li>\n\n\n\n<li><strong>Yuh<\/strong> applies 0.95% fees on payments (excluding EUR\/USD) and 4.90 CHF per withdrawal.<\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>So to limit fees, you should:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Avoid frequent withdrawals in foreign currency, or limit them to strategic amounts.<\/li>\n\n\n\n<li>Prefer direct payments with cards that have no exchange fees.<\/li>\n\n\n\n<li>Refuse a payment converted to CHF at the checkout.<\/li>\n<\/ul>\n\n<p>The article <a href=\"https:\/\/heyneo.ch\/en\/news\/travel-card-fees\/\" data-type=\"post\" data-id=\"6393\">How to pay when traveling? Which card? What pitfalls? Best practices to save on fees in %%currentyear%%   <\/a> goes into all the useful details and tips to minimize fees abroad as much as possible.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style><style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.infolight_type{color:#155724;border:2px solid #c3e6cb;border-radius:12px}.gs-box.infolight_type svg{fill:#8bc799}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{margin-right:400px;}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-a398ec1 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-a398ec1 svg,#gspb_infoBox-id-gsbp-a398ec1 svg path{fill:var(--wp--preset--color--vivid-green,#00d084) !important;}#gspb_infoBox-id-gsbp-a398ec1 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-a398ec1 svg:hover,#gspb_infoBox-id-gsbp-a398ec1 svg:hover path{fill:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg)) !important;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-width:1px;border-color:#7cf7ca;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{background-color:#b3ffe347;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{color:#ffffff}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-a398ec1\" id=\"gspb_infoBox-id-gsbp-a398ec1\"><div class=\"gs-box infolight_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 768 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M613 373.2l-11.4-85.2h54.4c26.4 0 48-21.6 48-48v-192c0-26.4-21.6-48-48-48h-544c-26.4 0-48 21.6-48 48v192c0 26.4 21.6 48 48 48h54.4l-11.4 85.2c-95.8 65.6-155 168.2-155 282.8 0 26.4 21.6 48 48 48h288v208c0 1.8 0.2 3.4 0.8 5l32 96c4.8 14.6 25.6 14.6 30.4 0l32-96c0.6-1.6 0.8-3.4 0.8-5v-208h288c26.4 0 48-21.6 48-48 0-114.6-59.2-217.2-155-282.8zM101 608c16.6-77 71.2-140 143-175.6l32-240.4h-116v-96h448v96h-116l32 240.4c71.6 35.6 126.4 98.8 143 175.6z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-vivid-green-color has-text-color has-link-color wp-elements-2fbbb947d4e580c06623daa7884fff21\" style=\"font-size:22px\"><strong>Yuh Promo Code<\/strong><\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>#gspb_image-id-gsbp-2086724{text-align:left;}#gspb_image-id-gsbp-2086724 img{vertical-align:top;}#gspb_image-id-gsbp-2086724 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-2086724 img{border-top-left-radius:50%;border-top-right-radius:50%;border-bottom-right-radius:50%;border-bottom-left-radius:50%;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-2086724 is-style-rounded\" id=\"gspb_image-id-gsbp-2086724\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/08\/IMG_6295-100x100.png\" data-src=\"\" loading=\"lazy\" width=\"100\" height=\"100\"><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>.gspb_text-id-gsbp-b077ea5{font-size:18px;}.gspb_text-id-gsbp-b077ea5{color:#000000;}.gspb_text-id-gsbp-b077ea5{margin-left:-30px!important;}<\/style>\n<div id=\"gspb_text-id-gsbp-b077ea5\" class=\"gspb_text gspb_text-id-gsbp-b077ea5 \">Use the promo code <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">C9QK67<\/mark><\/strong> to <strong>receive 50 CHF in Trading Credit + 250 SWQ <\/strong>(with an initial deposit of CHF 500.-).<br\/><br\/>Free account <strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/strong><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>@import url(\"https:\/\/fonts.googleapis.com\/css?family=Raleway:700\");@import url(\"https:\/\/fonts.googleapis.com\/css?family=Raleway\");#gspb_button-id-gsbp-1fbf87e{display:flex;justify-content:flex-start;}#gspb_button-id-gsbp-1fbf87e .gspb-buttonbox-text{display:flex;flex-direction:column;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{box-sizing:border-box}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{margin-bottom:0px;margin-left:-30px;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{background-color:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg));}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{font-weight:700;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{font-family:Raleway,sans-serif;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{color:#ffffff;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox > .gspb_backgroundOverlay{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}<\/style>\n<div class=\"gspb_button_wrapper gspb_button-id-gsbp-1fbf87e\" id=\"gspb_button-id-gsbp-1fbf87e\"><a class=\"wp-block-greenshift-blocks-buttonbox gspb-buttonbox wp-element-button\" href=\"https:\/\/www.yuh.com\/en\/download-app\" target=\"_blank\" rel=\"noopener\"><span class=\"gspb-buttonbox-textwrap\"><span class=\"gspb-buttonbox-text\"><span class=\"gspb-buttonbox-title\"><strong>Receive 500 SWQ<\/strong><\/span><\/span><\/span><\/a><\/div>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">10<\/span>\t<\/div>\t<div id=\"10-cartes-neo-banques-strategie\">\t\t<h2 class=\"mt0 mb0\">Neobank debit cards: the foundation of a good strategy<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Neo-bank Cards<\/div>\t<\/div><\/div>\n<p>No credit card allows payment abroad without exchange fees. None. <\/p>\n\n<p>This is where neobanks become <strong>essential<\/strong>. Their debit cards help avoid invisible markups on foreign currency payments. And since we already analyze them on heyneo.ch, it&#8217;s obvious to include them here.  <\/p>\n\n<p>They don&#8217;t replace a credit card, but they are <strong>the basic solution<\/strong> for payments outside Switzerland (or online in foreign currencies).<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-6b8555d .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-6b8555d img,#gspb_infoBox-id-gsbp-6b8555d img path{fill:var(--wp--preset--color--main,var(--rehub-main-color)) !important;}#gspb_infoBox-id-gsbp-6b8555d img{margin:0px !important;}#gspb_infoBox-id-gsbp-6b8555d .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-6b8555d .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-6b8555d .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-6b8555d .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-6b8555d .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-6b8555d .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-6b8555d .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-6b8555d\" id=\"gspb_infoBox-id-gsbp-6b8555d\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><img\/><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color has-link-color wp-elements-2ffaa0c3cb56ac3a741a8d86aaccbac9\">The ideal is therefore to combine:<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-ae86d154bf164e81a146a643df5d9a64\"><strong>A neobank debit card<\/strong> for all foreign currency payments (and sometimes for everyday use).<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-192c76596cf1cbe53dda68e67fd00e60\"><strong>A free (or optimized) credit card<\/strong> for cashback, insurance, and reservations.<\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"neon-mastercard-carte-de-debit\"><strong>Neon \u2013 Mastercard (debit card)<\/strong><\/h3>\n\n<p>Free card with no monthly fees. Foreign currency payments use the Mastercard rate, without commission. Withdrawals are free in Switzerland up to twice a month, then charged 2 CHF. Abroad, each withdrawal is charged 1.5%. There is no foreign currency account.    <\/p>\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><style>#gspb_image-id-gsbp-42a100a{text-align:center;}#gspb_image-id-gsbp-42a100a img{vertical-align:top;}#gspb_image-id-gsbp-42a100a img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-42a100a img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-42a100a img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-42a100a img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-42a100a img{width:auto;}}#gspb_image-id-gsbp-42a100a,#gspb_image-id-gsbp-42a100a img{height:200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-42a100a\" id=\"gspb_image-id-gsbp-42a100a\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/08\/04_neon_free_MASTERCARD-e1743905115910.png\" data-src=\"\" alt=\"neon_free_MASTERCARD\" loading=\"lazy\" width=\"398\" height=\"200\"><\/div>\n\n\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n\n<p><strong>Mobile payment compatibility:<\/strong><br\/>\u2022 Apple Pay<br\/>\u2022 Google Pay<br\/>\u2022 Samsung Pay<br\/>\u2022 SwatchPAY!<br\/>\u2022 Garmin Pay<\/p>\n\n<p><strong>Insurance:<\/strong><br\/>\u2022 None<\/p>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-d4e6b25 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-d4e6b25 img{height:35px!important;width:35px!important;min-width:35px!important;}#gspb_infoBox-id-gsbp-d4e6b25 img,#gspb_infoBox-id-gsbp-d4e6b25 img path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-d4e6b25 img{margin:0px !important;}#gspb_infoBox-id-gsbp-d4e6b25 img:hover,#gspb_infoBox-id-gsbp-d4e6b25 img:hover path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-d4e6b25 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-d4e6b25 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-d4e6b25 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-d4e6b25 .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-d4e6b25 .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-d4e6b25 .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-d4e6b25 .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-d4e6b25\" id=\"gspb_infoBox-id-gsbp-d4e6b25\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/carte-de-credit-icone.png\" alt=\"carte de cre\u0301dit icone\"\/><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color\"><a href=\"https:\/\/heyneo.ch\/en\/service\/neon-review\/\">Neon<\/a> is a reliable solution for foreign currency payments, but remains limited on international withdrawals and multi-currency usage.<\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style><style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.infolight_type{color:#155724;border:2px solid #c3e6cb;border-radius:12px}.gs-box.infolight_type svg{fill:#8bc799}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-a398ec1 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-a398ec1 svg,#gspb_infoBox-id-gsbp-a398ec1 svg path{fill:var(--wp--preset--color--vivid-green,#00d084) !important;}#gspb_infoBox-id-gsbp-a398ec1 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-a398ec1 svg:hover,#gspb_infoBox-id-gsbp-a398ec1 svg:hover path{fill:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg)) !important;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-width:1px;border-color:#7cf7ca;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{background-color:#b3ffe347;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{color:#ffffff}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-a398ec1\" id=\"gspb_infoBox-id-gsbp-a398ec1\"><div class=\"gs-box infolight_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 768 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M613 373.2l-11.4-85.2h54.4c26.4 0 48-21.6 48-48v-192c0-26.4-21.6-48-48-48h-544c-26.4 0-48 21.6-48 48v192c0 26.4 21.6 48 48 48h54.4l-11.4 85.2c-95.8 65.6-155 168.2-155 282.8 0 26.4 21.6 48 48 48h288v208c0 1.8 0.2 3.4 0.8 5l32 96c4.8 14.6 25.6 14.6 30.4 0l32-96c0.6-1.6 0.8-3.4 0.8-5v-208h288c26.4 0 48-21.6 48-48 0-114.6-59.2-217.2-155-282.8zM101 608c16.6-77 71.2-140 143-175.6l32-240.4h-116v-96h448v96h-116l32 240.4c71.6 35.6 126.4 98.8 143 175.6z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-vivid-green-color has-text-color has-link-color wp-elements-6f7019173c1dabe5e45a68e180b9b754\" style=\"font-size:22px\"><strong>Neon Promo Code<\/strong><\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>#gspb_image-id-gsbp-2086724{text-align:left;}#gspb_image-id-gsbp-2086724 img{vertical-align:top;}#gspb_image-id-gsbp-2086724 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-2086724 img{border-top-left-radius:50%;border-top-right-radius:50%;border-bottom-right-radius:50%;border-bottom-left-radius:50%;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-2086724 is-style-rounded\" id=\"gspb_image-id-gsbp-2086724\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/08\/logo-neon-app.png\" data-src=\"\" alt=\"neon free app logo\" loading=\"lazy\" width=\"100\" height=\"100\"><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>.gspb_text-id-gsbp-b077ea5{font-size:18px;}.gspb_text-id-gsbp-b077ea5{color:#000000;}.gspb_text-id-gsbp-b077ea5{margin-left:-30px!important;}<\/style>\n<div id=\"gspb_text-id-gsbp-b077ea5\" class=\"gspb_text gspb_text-id-gsbp-b077ea5 \">Use promo code <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">VSWH3C<\/mark><\/strong> when opening your account.<br\/><br\/>Free account <strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/strong><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>@import url(\"https:\/\/fonts.googleapis.com\/css?family=Raleway:700\");@import url(\"https:\/\/fonts.googleapis.com\/css?family=Raleway\");#gspb_button-id-gsbp-1fbf87e{display:flex;justify-content:flex-start;}#gspb_button-id-gsbp-1fbf87e .gspb-buttonbox-text{display:flex;flex-direction:column;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{box-sizing:border-box}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{margin-bottom:0px;margin-left:-30px;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{background-color:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg));}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{font-weight:700;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{font-family:Raleway,sans-serif;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{color:#ffffff;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox > .gspb_backgroundOverlay{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}<\/style>\n<div class=\"gspb_button_wrapper gspb_button-id-gsbp-1fbf87e\" id=\"gspb_button-id-gsbp-1fbf87e\"><a class=\"wp-block-greenshift-blocks-buttonbox gspb-buttonbox wp-element-button\" href=\"https:\/\/www.neon-free.ch\/fr\/get-neon\/\" target=\"_blank\" rel=\"noopener\"><span class=\"gspb-buttonbox-textwrap\"><span class=\"gspb-buttonbox-text\"><span class=\"gspb-buttonbox-title\"><strong>Open an account<\/strong><\/span><\/span><\/span><\/a><\/div>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"yuh-visa-carte-de-debit\"><strong>Yuh \u2013 Visa (debit card)<\/strong><\/h3>\n\n<p>Free card with accounts in CHF, EUR, and USD. The exchange rate is fixed at 0.95%. Withdrawals are free once a week in Switzerland, then charged 1.90 CHF; abroad, each withdrawal costs 4.90 CHF. Native Swiss IBAN.   <\/p>\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><style>#gspb_image-id-gsbp-5d37b82{text-align:center;}#gspb_image-id-gsbp-5d37b82 img{vertical-align:top;}#gspb_image-id-gsbp-5d37b82 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-5d37b82 img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-5d37b82 img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-5d37b82 img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-5d37b82 img{width:auto;}}#gspb_image-id-gsbp-5d37b82,#gspb_image-id-gsbp-5d37b82 img{height:200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-5d37b82\" id=\"gspb_image-id-gsbp-5d37b82\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/08\/yuh_card-e1696885198192.png\" data-src=\"\" alt=\"Yuh bank card mastercard\" loading=\"lazy\" width=\"707\" height=\"200\"><\/div>\n\n\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n\n<p><strong>Mobile payment compatibility:<\/strong><br\/>\u2022 Apple Pay<br\/>\u2022 Google Pay<br\/>\u2022 Samsung Pay<br\/>\u2022 TWINT (native app)<\/p>\n\n<p><strong>Insurance:<\/strong><br\/>\u2022 None<\/p>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-5b45a74 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-5b45a74 img{height:35px!important;width:35px!important;min-width:35px!important;}#gspb_infoBox-id-gsbp-5b45a74 img,#gspb_infoBox-id-gsbp-5b45a74 img path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-5b45a74 img{margin:0px !important;}#gspb_infoBox-id-gsbp-5b45a74 img:hover,#gspb_infoBox-id-gsbp-5b45a74 img:hover path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-5b45a74 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-5b45a74 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-5b45a74 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-5b45a74 .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-5b45a74 .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-5b45a74 .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-5b45a74 .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-5b45a74\" id=\"gspb_infoBox-id-gsbp-5b45a74\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/carte-de-credit-icone.png\" alt=\"carte de cre\u0301dit icone\"\/><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color\">Yuh offers a simple and clear approach to managing the three main currencies, but remains rigid for withdrawals and limited on secondary currencies.<\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"revolut-visa-mastercard-carte-de-debit\"><strong>Revolut \u2013 Visa\/Mastercard (debit card)<\/strong><\/h3>\n\n<p>Free card (shipping charged 5.99 CHF). Foreign currency payments are free up to 1,250 CHF\/month on weekdays, then charged 1%. Withdrawals are free up to 200 CHF\/month, then 2%. No Swiss IBAN.   <\/p>\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><style>#gspb_image-id-gsbp-b2c2411{text-align:center;}#gspb_image-id-gsbp-b2c2411 img{vertical-align:top;}#gspb_image-id-gsbp-b2c2411 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-b2c2411 img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-b2c2411 img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-b2c2411 img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-b2c2411 img{width:auto;}}#gspb_image-id-gsbp-b2c2411,#gspb_image-id-gsbp-b2c2411 img{height:200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-b2c2411\" id=\"gspb_image-id-gsbp-b2c2411\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2023\/10\/Carte-Revolut-Suisse-gros-plan.jpeg\" data-src=\"\" alt=\"Revolut Switzerland card\" loading=\"lazy\" width=\"1641\" height=\"200\"><\/div>\n\n\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n\n<p><strong>Mobile payment compatibility:<\/strong><br\/>\u2022 Apple Pay<br\/>\u2022 Google Pay<br\/>\u2022 Samsung Pay<br\/>\u2022 Garmin Pay<br\/>\u2022 Fitbit Pay<\/p>\n\n<p><strong>Insurance:<\/strong><br\/>Included only with Revolut Premium, Metal or Ultra:<br\/>\u2013 Travel insurance<br\/>\u2013 Overseas medical coverage<br\/>\u2013 Cancellation  car rental (deductible)<br\/>\u2013 Lost luggage, delays<\/p>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-1bda9af .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-1bda9af img{height:35px!important;width:35px!important;min-width:35px!important;}#gspb_infoBox-id-gsbp-1bda9af img,#gspb_infoBox-id-gsbp-1bda9af img path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-1bda9af img{margin:0px !important;}#gspb_infoBox-id-gsbp-1bda9af img:hover,#gspb_infoBox-id-gsbp-1bda9af img:hover path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-1bda9af .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-1bda9af .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-1bda9af .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-1bda9af .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-1bda9af .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-1bda9af .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-1bda9af .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-1bda9af\" id=\"gspb_infoBox-id-gsbp-1bda9af\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/carte-de-credit-icone.png\" alt=\"carte de cre\u0301dit icone\"\/><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color\"><a href=\"https:\/\/heyneo.ch\/en\/service\/revolut-review\/\">Revolut<\/a> is an efficient card for foreign exchange and international payments, provided you stay within the free limits.<\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"wise-mastercard-carte-de-debit\"><strong>Wise \u2013 Mastercard (debit card)<\/strong><\/h3>\n\n<p>Free card with over 50 currencies available. Payments use the real market rate, with fees from 0.4 to 1.3% depending on the currency. Two free withdrawals up to 200 CHF\/month, then 1.75%. No CH IBAN, no QR-bills.   <\/p>\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><style>#gspb_image-id-gsbp-088c80a{text-align:center;}#gspb_image-id-gsbp-088c80a img{vertical-align:top;}#gspb_image-id-gsbp-088c80a img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-088c80a img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-088c80a img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-088c80a img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-088c80a img{width:auto;}}#gspb_image-id-gsbp-088c80a,#gspb_image-id-gsbp-088c80a img{height:200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-088c80a\" id=\"gspb_image-id-gsbp-088c80a\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/10\/WISE-debit-card-Switzerland.png\" data-src=\"\" alt=\"WISE debit card Switzerland\" loading=\"lazy\" width=\"375\" height=\"200\"><\/div>\n\n\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n\n<p><strong>Mobile payment compatibility:<\/strong><br\/>\u2022 Apple Pay<br\/>\u2022 Google Pay<\/p>\n\n<p><strong>Insurance:<\/strong><br\/>\u2022 None<\/p>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-35fda5b .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-35fda5b img{height:35px!important;width:35px!important;min-width:35px!important;}#gspb_infoBox-id-gsbp-35fda5b img,#gspb_infoBox-id-gsbp-35fda5b img path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-35fda5b img{margin:0px !important;}#gspb_infoBox-id-gsbp-35fda5b img:hover,#gspb_infoBox-id-gsbp-35fda5b img:hover path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-35fda5b .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-35fda5b .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-35fda5b .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-35fda5b .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-35fda5b .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-35fda5b .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-35fda5b .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-35fda5b\" id=\"gspb_infoBox-id-gsbp-35fda5b\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/carte-de-credit-icone.png\" alt=\"carte de cre\u0301dit icone\"\/><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color\"><a href=\"https:\/\/heyneo.ch\/en\/service\/wise-review\/\">Wise<\/a> is the most flexible tool for managing multiple currencies, but remains poorly integrated into the Swiss banking ecosystem.<\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style><style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.infolight_type{color:#155724;border:2px solid #c3e6cb;border-radius:12px}.gs-box.infolight_type svg{fill:#8bc799}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-a398ec1 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-a398ec1 svg,#gspb_infoBox-id-gsbp-a398ec1 svg path{fill:var(--wp--preset--color--vivid-green,#00d084) !important;}#gspb_infoBox-id-gsbp-a398ec1 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-a398ec1 svg:hover,#gspb_infoBox-id-gsbp-a398ec1 svg:hover path{fill:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg)) !important;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-width:1px;border-color:#7cf7ca;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{background-color:#b3ffe347;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{color:#ffffff}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-a398ec1\" id=\"gspb_infoBox-id-gsbp-a398ec1\"><div class=\"gs-box infolight_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 768 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M613 373.2l-11.4-85.2h54.4c26.4 0 48-21.6 48-48v-192c0-26.4-21.6-48-48-48h-544c-26.4 0-48 21.6-48 48v192c0 26.4 21.6 48 48 48h54.4l-11.4 85.2c-95.8 65.6-155 168.2-155 282.8 0 26.4 21.6 48 48 48h288v208c0 1.8 0.2 3.4 0.8 5l32 96c4.8 14.6 25.6 14.6 30.4 0l32-96c0.6-1.6 0.8-3.4 0.8-5v-208h288c26.4 0 48-21.6 48-48 0-114.6-59.2-217.2-155-282.8zM101 608c16.6-77 71.2-140 143-175.6l32-240.4h-116v-96h448v96h-116l32 240.4c71.6 35.6 126.4 98.8 143 175.6z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-vivid-green-color has-text-color has-link-color wp-elements-36b5a5216b58d0671143a05eabd76ee3\" style=\"font-size:22px\"><strong>Wise Promo Code<\/strong><\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>#gspb_image-id-gsbp-2086724{text-align:left;}#gspb_image-id-gsbp-2086724 img{vertical-align:top;}#gspb_image-id-gsbp-2086724 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-2086724 img{border-top-left-radius:50%;border-top-right-radius:50%;border-bottom-right-radius:50%;border-bottom-left-radius:50%;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-2086724 is-style-rounded\" id=\"gspb_image-id-gsbp-2086724\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/08\/470456-Frame-c061f4-original-1677657684.png\" data-src=\"\" alt=\"logo wise banque suisse\" loading=\"lazy\" width=\"100\" height=\"100\"><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>.gspb_text-id-gsbp-b077ea5{font-size:18px;}.gspb_text-id-gsbp-b077ea5{color:#000000;}.gspb_text-id-gsbp-b077ea5{margin-left:-30px!important;}<\/style>\n<div id=\"gspb_text-id-gsbp-b077ea5\" class=\"gspb_text gspb_text-id-gsbp-b077ea5 \">Use our <strong>promo link<\/strong> when opening your account.<br\/><br\/>Free account <strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/strong><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>@import url(\"https:\/\/fonts.googleapis.com\/css?family=Raleway:700\");@import url(\"https:\/\/fonts.googleapis.com\/css?family=Raleway\");#gspb_button-id-gsbp-1fbf87e{display:flex;justify-content:flex-start;}#gspb_button-id-gsbp-1fbf87e .gspb-buttonbox-text{display:flex;flex-direction:column;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{box-sizing:border-box}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{margin-bottom:0px;margin-left:-30px;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{background-color:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg));}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{font-weight:700;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{font-family:Raleway,sans-serif;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{color:#ffffff;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox > .gspb_backgroundOverlay{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}<\/style>\n<div class=\"gspb_button_wrapper gspb_button-id-gsbp-1fbf87e\" id=\"gspb_button-id-gsbp-1fbf87e\"><a class=\"wp-block-greenshift-blocks-buttonbox gspb-buttonbox wp-element-button\" href=\"https:\/\/wise.prf.hn\/l\/y8bJYJD\/\" target=\"_blank\" rel=\"noopener\"><span class=\"gspb-buttonbox-textwrap\"><span class=\"gspb-buttonbox-text\"><span class=\"gspb-buttonbox-title\"><strong>Save the card price<\/strong><\/span><\/span><\/span><\/a><\/div>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"alpian-visa-carte-de-debit\"><strong>Alpian \u2013 Visa (debit card)<\/strong><\/h3>\n\n<p>Metal card included from 10,000 CHF deposit. Payments in CHF, EUR, USD, and GBP are charged 0.2% on weekdays, 0.5% on weekends. Withdrawals cost 2 CHF in Switzerland and 2.5% abroad. CH IBAN, but no full multi-currency.   <\/p>\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><style>#gspb_image-id-gsbp-106bb6b{text-align:center;}#gspb_image-id-gsbp-106bb6b img{vertical-align:top;}#gspb_image-id-gsbp-106bb6b img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-106bb6b img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-106bb6b img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-106bb6b img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-106bb6b img{width:auto;}}#gspb_image-id-gsbp-106bb6b,#gspb_image-id-gsbp-106bb6b img{height:200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-106bb6b\" id=\"gspb_image-id-gsbp-106bb6b\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/Alpian-debit-card-VISA-e1744058908484.jpg\" data-src=\"\" alt=\"Alpian debit card VISA\" loading=\"lazy\" width=\"892\" height=\"200\"><\/div>\n\n\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n\n<p><strong>Mobile payment compatibility:<\/strong><br\/>\u2022 Apple Pay<br\/>\u2022 Google Pay<\/p>\n\n<p><strong>Insurance:<\/strong><br\/>\u2022 None<\/p>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-f98e07e .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-f98e07e img{height:35px!important;width:35px!important;min-width:35px!important;}#gspb_infoBox-id-gsbp-f98e07e img,#gspb_infoBox-id-gsbp-f98e07e img path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-f98e07e img{margin:0px !important;}#gspb_infoBox-id-gsbp-f98e07e img:hover,#gspb_infoBox-id-gsbp-f98e07e img:hover path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-f98e07e .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-f98e07e .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-f98e07e .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-f98e07e .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-f98e07e .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-f98e07e .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-f98e07e .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-f98e07e\" id=\"gspb_infoBox-id-gsbp-f98e07e\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/carte-de-credit-icone.png\" alt=\"carte de cre\u0301dit icone\"\/><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color\"><a href=\"https:\/\/heyneo.ch\/en\/service\/alpian-review\/\">Alpian<\/a> offers a very good exchange rate on major currencies.<\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"instance-48cab\"><style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.infolight_type{color:#155724;border:2px solid #c3e6cb;border-radius:12px}.gs-box.infolight_type svg{fill:#8bc799}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{margin-right:400px;}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-a398ec1 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-a398ec1 svg,#gspb_infoBox-id-gsbp-a398ec1 svg path{fill:var(--wp--preset--color--vivid-green,#00d084) !important;}#gspb_infoBox-id-gsbp-a398ec1 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-a398ec1 svg:hover,#gspb_infoBox-id-gsbp-a398ec1 svg:hover path{fill:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg)) !important;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-width:1px;border-color:#7cf7ca;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{background-color:#b3ffe347;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{color:#ffffff}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-a398ec1\" id=\"gspb_infoBox-id-gsbp-a398ec1\"><div class=\"gs-box infolight_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 768 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M613 373.2l-11.4-85.2h54.4c26.4 0 48-21.6 48-48v-192c0-26.4-21.6-48-48-48h-544c-26.4 0-48 21.6-48 48v192c0 26.4 21.6 48 48 48h54.4l-11.4 85.2c-95.8 65.6-155 168.2-155 282.8 0 26.4 21.6 48 48 48h288v208c0 1.8 0.2 3.4 0.8 5l32 96c4.8 14.6 25.6 14.6 30.4 0l32-96c0.6-1.6 0.8-3.4 0.8-5v-208h288c26.4 0 48-21.6 48-48 0-114.6-59.2-217.2-155-282.8zM101 608c16.6-77 71.2-140 143-175.6l32-240.4h-116v-96h448v96h-116l32 240.4c71.6 35.6 126.4 98.8 143 175.6z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-vivid-green-color has-text-color has-link-color wp-elements-10cce0887f71ca4891cf00091d689945\" style=\"font-size:22px\"><strong>Alpian Promo Code<\/strong><\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>#gspb_image-id-gsbp-2086724{text-align:left;}#gspb_image-id-gsbp-2086724 img{vertical-align:top;}#gspb_image-id-gsbp-2086724 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-2086724 img{border-top-left-radius:50%;border-top-right-radius:50%;border-bottom-right-radius:50%;border-bottom-left-radius:50%;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-2086724 is-style-rounded\" id=\"gspb_image-id-gsbp-2086724\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/08\/Alpian-Icone-Application.png\" data-src=\"\" alt=\"Alpian swiss private bank app logo\" loading=\"lazy\" width=\"100\" height=\"100\"><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>.gspb_text-id-gsbp-b077ea5{font-size:18px;}.gspb_text-id-gsbp-b077ea5{color:#000000;}.gspb_text-id-gsbp-b077ea5{margin-left:-30px!important;}<\/style>\n<div id=\"gspb_text-id-gsbp-b077ea5\" class=\"gspb_text gspb_text-id-gsbp-b077ea5 \">Use the promo code <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">ALPHEY<\/mark><\/strong> to <strong>receive 120 CHF<\/strong> <ins>(55 CHF with a deposit of 500 CHF within 30 days of account opening, and up to 65 CHF credit on investment fees)<\/ins>.<br\/><br\/>Free account <strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/strong><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>@import url(\"https:\/\/fonts.googleapis.com\/css?family=Raleway:700\");@import url(\"https:\/\/fonts.googleapis.com\/css?family=Raleway\");#gspb_button-id-gsbp-1fbf87e{display:flex;justify-content:flex-start;}#gspb_button-id-gsbp-1fbf87e .gspb-buttonbox-text{display:flex;flex-direction:column;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{box-sizing:border-box}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{margin-bottom:0px;margin-left:-30px;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{background-color:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg));}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{font-weight:700;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{font-family:Raleway,sans-serif;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{color:#ffffff;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox > .gspb_backgroundOverlay{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}<\/style>\n<div class=\"gspb_button_wrapper gspb_button-id-gsbp-1fbf87e\" id=\"gspb_button-id-gsbp-1fbf87e\"><a class=\"wp-block-greenshift-blocks-buttonbox gspb-buttonbox wp-element-button\" href=\"https:\/\/www.alpian.com\/\" target=\"_blank\" rel=\"noopener\"><span class=\"gspb-buttonbox-textwrap\"><span class=\"gspb-buttonbox-text\"><span class=\"gspb-buttonbox-title\"><strong>Receive 120 CHF<\/strong><\/span><\/span><\/span><\/a><\/div>\n<\/div><\/div><\/div>\n<\/div>\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n\n<h3 class=\"wp-block-heading\" id=\"zak-visa-carte-de-debit\"><strong>Zak \u2013 Visa (debit card)<\/strong><\/h3>\n\n<p>Free card, but currency exchange is charged 2%. Each withdrawal abroad costs 5 CHF + 2%. No foreign currency account. TWINT available via UBS. Swiss IBAN.    <\/p>\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><style>#gspb_image-id-gsbp-ca96e90{text-align:center;}#gspb_image-id-gsbp-ca96e90 img{vertical-align:top;}#gspb_image-id-gsbp-ca96e90 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-ca96e90 img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-ca96e90 img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-ca96e90 img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-ca96e90 img{width:auto;}}#gspb_image-id-gsbp-ca96e90,#gspb_image-id-gsbp-ca96e90 img{height:200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-ca96e90\" id=\"gspb_image-id-gsbp-ca96e90\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/08\/F63D12B1-8B61-4A31-87ED-86D95B650C2C_1_201_a.jpeg-e1696806567283.jpg\" data-src=\"\" alt=\"Zak banque Cler card\" loading=\"lazy\" width=\"499\" height=\"200\"><\/div>\n\n\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n\n<p><strong>Mobile payment compatibility:<\/strong><br\/>\u2022 Apple Pay<br\/>\u2022 Google Pay<br\/>\u2022 Samsung Pay<br\/>\u2022 TWINT<\/p>\n\n<p><strong>Insurance:<\/strong><br\/>\u2022 None<\/p>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-3277912 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-3277912 img{height:35px!important;width:35px!important;min-width:35px!important;}#gspb_infoBox-id-gsbp-3277912 img,#gspb_infoBox-id-gsbp-3277912 img path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-3277912 img{margin:0px !important;}#gspb_infoBox-id-gsbp-3277912 img:hover,#gspb_infoBox-id-gsbp-3277912 img:hover path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-3277912 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-3277912 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-3277912 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-3277912 .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-3277912 .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-3277912 .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-3277912 .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-3277912\" id=\"gspb_infoBox-id-gsbp-3277912\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/carte-de-credit-icone.png\" alt=\"carte de cre\u0301dit icone\"\/><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color\">Zak is sufficient for CHF-only usage, but too penalizing for foreign use.<\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style><style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.infolight_type{color:#155724;border:2px solid #c3e6cb;border-radius:12px}.gs-box.infolight_type svg{fill:#8bc799}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-a398ec1 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-a398ec1 svg,#gspb_infoBox-id-gsbp-a398ec1 svg path{fill:var(--wp--preset--color--vivid-green,#00d084) !important;}#gspb_infoBox-id-gsbp-a398ec1 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-a398ec1 svg:hover,#gspb_infoBox-id-gsbp-a398ec1 svg:hover path{fill:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg)) !important;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-width:1px;border-color:#7cf7ca;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{background-color:#b3ffe347;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{color:#ffffff}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-a398ec1\" id=\"gspb_infoBox-id-gsbp-a398ec1\"><div class=\"gs-box infolight_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 768 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M613 373.2l-11.4-85.2h54.4c26.4 0 48-21.6 48-48v-192c0-26.4-21.6-48-48-48h-544c-26.4 0-48 21.6-48 48v192c0 26.4 21.6 48 48 48h54.4l-11.4 85.2c-95.8 65.6-155 168.2-155 282.8 0 26.4 21.6 48 48 48h288v208c0 1.8 0.2 3.4 0.8 5l32 96c4.8 14.6 25.6 14.6 30.4 0l32-96c0.6-1.6 0.8-3.4 0.8-5v-208h288c26.4 0 48-21.6 48-48 0-114.6-59.2-217.2-155-282.8zM101 608c16.6-77 71.2-140 143-175.6l32-240.4h-116v-96h448v96h-116l32 240.4c71.6 35.6 126.4 98.8 143 175.6z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-vivid-green-color has-text-color has-link-color wp-elements-d3f51bd02416641b845efa09a54787de\" style=\"font-size:22px\"><strong>Zak Promo Code<\/strong><\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>#gspb_image-id-gsbp-2086724{text-align:left;}#gspb_image-id-gsbp-2086724 img{vertical-align:top;}#gspb_image-id-gsbp-2086724 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-2086724 img{border-top-left-radius:50%;border-top-right-radius:50%;border-bottom-right-radius:50%;border-bottom-left-radius:50%;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-2086724 is-style-rounded\" id=\"gspb_image-id-gsbp-2086724\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/08\/logo-zak-app.jpeg\" data-src=\"\" alt=\"Logo Zak app Swiss bank\" loading=\"lazy\" width=\"100\" height=\"100\"><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>.gspb_text-id-gsbp-b077ea5{font-size:18px;}.gspb_text-id-gsbp-b077ea5{color:#000000;}.gspb_text-id-gsbp-b077ea5{margin-left:-30px!important;}<\/style>\n<div id=\"gspb_text-id-gsbp-b077ea5\" class=\"gspb_text gspb_text-id-gsbp-b077ea5 \">Use promo code <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">KNSGS6<\/mark><\/strong> to <strong>receive CHF 25<\/strong> when you open your account.<br\/><br\/>Free account <strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/strong><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>@import url(\"https:\/\/fonts.googleapis.com\/css?family=Raleway:700\");@import url(\"https:\/\/fonts.googleapis.com\/css?family=Raleway\");#gspb_button-id-gsbp-1fbf87e{display:flex;justify-content:flex-start;}#gspb_button-id-gsbp-1fbf87e .gspb-buttonbox-text{display:flex;flex-direction:column;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{box-sizing:border-box}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{margin-bottom:0px;margin-left:-30px;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{background-color:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg));}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{font-weight:700;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{font-family:Raleway,sans-serif;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{color:#ffffff;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox > .gspb_backgroundOverlay{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}<\/style>\n<div class=\"gspb_button_wrapper gspb_button-id-gsbp-1fbf87e\" id=\"gspb_button-id-gsbp-1fbf87e\"><a class=\"wp-block-greenshift-blocks-buttonbox gspb-buttonbox wp-element-button\" href=\"https:\/\/www.cler.ch\/fr\/info\/zak\/backup\" target=\"_blank\" rel=\"noopener\"><span class=\"gspb-buttonbox-textwrap\"><span class=\"gspb-buttonbox-text\"><span class=\"gspb-buttonbox-title\"><strong>Receive CHF 25<\/strong><\/span><\/span><\/span><\/a><\/div>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"n26-mastercard-carte-de-debit\"><strong>N26 \u2013 Mastercard (debit card)<\/strong><\/h3>\n\n<p>Free card with German IBAN. Fee-free EUR payments. Two free withdrawals in the euro zone, then \u20ac2; outside EUR: 1.7%. No connection to TWINT or Swiss payments.   <\/p>\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><style>#gspb_image-id-gsbp-503e719{text-align:center;}#gspb_image-id-gsbp-503e719 img{vertical-align:top;}#gspb_image-id-gsbp-503e719 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-503e719 img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-503e719 img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-503e719 img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-503e719 img{width:auto;}}#gspb_image-id-gsbp-503e719,#gspb_image-id-gsbp-503e719 img{height:200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-503e719\" id=\"gspb_image-id-gsbp-503e719\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/08\/carte-bancaire-N26-e1724259569109.png\" data-src=\"\" alt=\"N26-bank-card\" loading=\"lazy\" width=\"931\" height=\"200\"><\/div>\n\n\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n\n<p><strong>Mobile payment compatibility:<\/strong><br\/>\u2022 Apple Pay<br\/>\u2022 Google Pay<\/p>\n\n<p><strong>Insurance:<\/strong><br\/>\u2022 With You or Metal offers:<br\/>\u2013 Travel<br\/>\u2013 Health abroad<br\/>\u2013 Theft, cancellation, rental<\/p>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-8f1b80b .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-8f1b80b img{height:35px!important;width:35px!important;min-width:35px!important;}#gspb_infoBox-id-gsbp-8f1b80b img,#gspb_infoBox-id-gsbp-8f1b80b img path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-8f1b80b img{margin:0px !important;}#gspb_infoBox-id-gsbp-8f1b80b img:hover,#gspb_infoBox-id-gsbp-8f1b80b img:hover path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-8f1b80b .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-8f1b80b .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-8f1b80b .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-8f1b80b .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-8f1b80b .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-8f1b80b .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-8f1b80b .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-8f1b80b\" id=\"gspb_infoBox-id-gsbp-8f1b80b\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/carte-de-credit-icone.png\" alt=\"carte de cre\u0301dit icone\"\/><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color\"><a href=\"https:\/\/heyneo.ch\/en\/service\/n26-review\/\">N26<\/a> is <a href=\"https:\/\/heyneo.ch\/en\/news\/cross-border-banks-which-to-choose\/\">suitable for cross-border workers<\/a> or for payments in the euro zone, a good complement that can be integrated alongside a Swiss account.<\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style><style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.infolight_type{color:#155724;border:2px solid #c3e6cb;border-radius:12px}.gs-box.infolight_type svg{fill:#8bc799}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-a398ec1 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-a398ec1 svg,#gspb_infoBox-id-gsbp-a398ec1 svg path{fill:var(--wp--preset--color--vivid-green,#00d084) !important;}#gspb_infoBox-id-gsbp-a398ec1 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-a398ec1 svg:hover,#gspb_infoBox-id-gsbp-a398ec1 svg:hover path{fill:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg)) !important;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-width:1px;border-color:#7cf7ca;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{background-color:#b3ffe347;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{color:#ffffff}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-a398ec1\" id=\"gspb_infoBox-id-gsbp-a398ec1\"><div class=\"gs-box infolight_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 768 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M613 373.2l-11.4-85.2h54.4c26.4 0 48-21.6 48-48v-192c0-26.4-21.6-48-48-48h-544c-26.4 0-48 21.6-48 48v192c0 26.4 21.6 48 48 48h54.4l-11.4 85.2c-95.8 65.6-155 168.2-155 282.8 0 26.4 21.6 48 48 48h288v208c0 1.8 0.2 3.4 0.8 5l32 96c4.8 14.6 25.6 14.6 30.4 0l32-96c0.6-1.6 0.8-3.4 0.8-5v-208h288c26.4 0 48-21.6 48-48 0-114.6-59.2-217.2-155-282.8zM101 608c16.6-77 71.2-140 143-175.6l32-240.4h-116v-96h448v96h-116l32 240.4c71.6 35.6 126.4 98.8 143 175.6z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-vivid-green-color has-text-color has-link-color wp-elements-ac74e482f725930609e125a95540eca4\" style=\"font-size:22px\"><strong>N26 Promo Code<\/strong><\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>#gspb_image-id-gsbp-2086724{text-align:left;}#gspb_image-id-gsbp-2086724 img{vertical-align:top;}#gspb_image-id-gsbp-2086724 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-2086724 img{border-top-left-radius:50%;border-top-right-radius:50%;border-bottom-right-radius:50%;border-bottom-left-radius:50%;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-2086724 is-style-rounded\" id=\"gspb_image-id-gsbp-2086724\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/08\/1901_N26_App_Icon.png\" data-src=\"\" alt=\"Logo app N26 Switzerland\" loading=\"lazy\" width=\"100\" height=\"100\"><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>.gspb_text-id-gsbp-b077ea5{font-size:18px;}.gspb_text-id-gsbp-b077ea5{color:#000000;}.gspb_text-id-gsbp-b077ea5{margin-left:-30px!important;}<\/style>\n<div id=\"gspb_text-id-gsbp-b077ea5\" class=\"gspb_text gspb_text-id-gsbp-b077ea5 \">Use the promo code <strong>julienbd1769<\/strong> to <strong>receive EUR 20<\/strong> when opening your account.<br\/><br\/>Free account <strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/strong><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>@import url(\"https:\/\/fonts.googleapis.com\/css?family=Raleway:700\");@import url(\"https:\/\/fonts.googleapis.com\/css?family=Raleway\");#gspb_button-id-gsbp-1fbf87e{display:flex;justify-content:flex-start;}#gspb_button-id-gsbp-1fbf87e .gspb-buttonbox-text{display:flex;flex-direction:column;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{box-sizing:border-box}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{margin-bottom:0px;margin-left:-30px;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{background-color:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg));}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{font-weight:700;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{font-family:Raleway,sans-serif;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{color:#ffffff;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox > .gspb_backgroundOverlay{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}<\/style>\n<div class=\"gspb_button_wrapper gspb_button-id-gsbp-1fbf87e\" id=\"gspb_button-id-gsbp-1fbf87e\"><a class=\"wp-block-greenshift-blocks-buttonbox gspb-buttonbox wp-element-button\" href=\"https:\/\/n26.com\/r\/julienbd1769\" target=\"_blank\" rel=\"noopener\"><span class=\"gspb-buttonbox-textwrap\"><span class=\"gspb-buttonbox-text\"><span class=\"gspb-buttonbox-title\"><strong>Receive 20 EUR<\/strong><\/span><\/span><\/span><\/a><\/div>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"comparatif-des-cartes-de-debit-des-neo-banques\"><strong>Comparison of neobank debit cards<\/strong><\/h3>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Card<\/strong><\/td><td><strong>Exchange Fees<\/strong><\/td><td><strong>Withdrawals<\/strong><\/td><td><strong>TWINT<\/strong><\/td><td><strong>Transaction fees<\/strong><\/td><\/tr><tr><td><strong>Neon<\/strong><\/td><td>Mastercard rate<\/td><td>2x CH free,<br\/>1.5% foreign<\/td><td>Via QR<\/td><td>None<\/td><\/tr><tr><td><strong>Yuh<\/strong><\/td><td>0.95% fixed<\/td><td>1x\/week CH free, 1.90 \/ 4.90 CHF foreign <\/td><td>Native app<\/td><td>None<\/td><\/tr><tr><td><strong>Revolut<\/strong><\/td><td>0% \u2264 1,250 CHF, then 1%<\/td><td>200 CHF free, then 2%<\/td><td>No<\/td><td>None (within limits)<\/td><\/tr><tr><td><strong>Wise<\/strong><\/td><td>0.4\u20131.3%<\/td><td>2x \u2264 200 CHF, <br\/>then 1.75%<\/td><td>No<\/td><td>None<\/td><\/tr><tr><td><strong>Alpian<\/strong><\/td><td>0.2 % \/ 0.5 %<\/td><td>2 CHF CH,<br\/>2.5% foreign<\/td><td>Prepaid<\/td><td>None<\/td><\/tr><tr><td><strong>Zak<\/strong><\/td><td>2 %<\/td><td>2% + 5 CHF foreign<\/td><td>Via UBS<\/td><td>0 CHF (CHF) \/ 2% (foreign)<\/td><\/tr><tr><td><strong>N26<\/strong><\/td><td>0% EUR \/ 1.7% others<\/td><td>2x EUR free, then \u20ac2 \/ 1.7%<\/td><td>No<\/td><td>0% EUR \/ 1.7% foreign<\/td><\/tr><\/tbody><\/table><\/figure>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Key takeaways?<\/strong><\/p>\n\n<p>\u2022 <strong>Neon<\/strong>, <strong>Revolut<\/strong>, <strong><a href=\"https:\/\/heyneo.ch\/en\/service\/wise-review\/\">Wise<\/a><\/strong>, and <strong><a href=\"https:\/\/heyneo.ch\/en\/service\/yuh-review\/\">Yuh<\/a><\/strong> are the best options for paying abroad without hidden fees.<br\/>\u2022 <strong>Zak<\/strong> remains uncompetitive as soon as you leave Switzerland.<br\/>\u2192 These cards do not replace a credit card, but are <strong>essential<\/strong> in any optimized payment strategy.<\/p>\n\n<p><strong>Neon<\/strong>, <strong>Revolut<\/strong>, <strong>Wise<\/strong> and <strong>Yuh<\/strong> is the basic quartet to combine with a credit card.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">11<\/span>\t<\/div>\t<div id=\"11-strategie-cartes-credit-suisse\">\t\t<h2 class=\"mt0 mb0\">%%currentyear%% Strategy \u2013 One or two cards?<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Card Strategies<\/div>\t<\/div><\/div>\n<p>No card does everything, and even the best options have their limits: low cashback, limited acceptance, hidden fees.<\/p>\n\n<p><strong>Having a single card:<br\/><\/strong>\u2192 It&#8217;s simpler to manage,<br\/>\u2192 but you often have to compromise (cashback, but fees abroad or vice versa)<\/p>\n\n<p><strong>So in %%currentyear%%, the most effective strategy remains a targeted combination.<\/strong><\/p>\n\n<h3 class=\"wp-block-heading\" id=\"mes-recommendations-de-combinaison-de-cartes-mes-strategies\">\ud83d\udcb3 + \ud83d\udcb3 My Card Combination Recommendations \u2013 My Strategies:<\/h3>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>The Need<\/strong><\/td><td><strong>Card 1<\/strong><\/td><td><strong>Card 2<\/strong><\/td><\/tr><tr><td>Cashback + foreign currency payments<\/td><td>Amex Cashback<\/td><td>Wise<\/td><\/tr><tr><td>Shopping + fee-free withdrawals<\/td><td>Cumulus Visa<\/td><td>Neon<\/td><\/tr><tr><td>Accumulate miles while limiting fees outside Switzerland<\/td><td>SWISS Miles  More<\/td><td>Yuh<\/td><\/tr><tr><td>Wide acceptance + enhanced services<\/td><td>Certo One Mastercard<\/td><td>Revolut Metal<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<p><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\"><strong>\u2718<\/strong>  <\/mark>What to avoid: limiting yourself to a single &#8220;default&#8221; card<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\"><strong>\u2714<\/strong><\/mark> What to aim for: two complementary cards, fee-free, each optimized for a specific use<\/p>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.info_type{color:#155724;background-color:#d4edda;border-color:#c3e6cb}.gs-box.info_type svg{fill:#30a030}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-a6e2f01 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:0px;padding-left:10px;}}#gspb_infoBox-id-gsbp-a6e2f01 img{height:35px!important;width:35px!important;min-width:35px!important;}#gspb_infoBox-id-gsbp-a6e2f01 img,#gspb_infoBox-id-gsbp-a6e2f01 img path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-a6e2f01 img{margin:0px !important;}#gspb_infoBox-id-gsbp-a6e2f01 img:hover,#gspb_infoBox-id-gsbp-a6e2f01 img:hover path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-a6e2f01 img{transform:rotateZ(0deg);}#gspb_infoBox-id-gsbp-a6e2f01 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-a6e2f01 .gs-box{border-style:solid;border-width:1px;border-color:#e6e6e6;}#gspb_infoBox-id-gsbp-a6e2f01 .gs-box{border-left-style:solid;border-left-width:1px;}#gspb_infoBox-id-gsbp-a6e2f01 .gs-box{background-color:#fafafa;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-a6e2f01 .gs-box{background-color:#fafafa;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-a6e2f01 .gs-box{background-color:#fafafa;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-a6e2f01 .gs-box{background-color:#fafafa;}}#gspb_infoBox-id-gsbp-a6e2f01 .gs-box{opacity:1}#gspb_infoBox-id-gsbp-a6e2f01 .gs-box{color:var(--wp--preset--color--secondary,var(--rehub-sec-color))}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-a6e2f01\" id=\"gspb_infoBox-id-gsbp-a6e2f01\"><div class=\"gs-box info_type icon_type\"><div class=\"gs-box-icon\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/carte-de-credit-icone.png\" alt=\"carte de cre\u0301dit icone\"\/><\/div><div class=\"gs-box-text\">\n<p class=\"has-text-align-left has-secondary-color has-text-color\"><strong>Which card should I use to rent a car?<\/strong><\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>.gspb_text-id-gsbp-5caddf0,.gspb_text-id-gsbp-5caddf0 .gsap-g-line{text-align:left!important;}.gspb_text-id-gsbp-5caddf0{font-weight:custom!important;}.gspb_text-id-gsbp-5caddf0{color:var(--wp--preset--color--secondary,var(--rehub-sec-color));}.gspb_text-id-gsbp-5caddf0{margin-top:0px!important;margin-bottom:0px!important;margin-left:-40px!important;}<\/style>\n<div id=\"gspb_text-id-gsbp-5caddf0\" class=\"gspb_text gspb_text-id-gsbp-5caddf0 \">\ud83d\ude99<strong> <\/strong>Today, debit cards are more widely accepted for car rentals. We still advise you to <strong>take a credit card<\/strong> as a backup for your security deposit. <\/div>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">12<\/span>\t<\/div>\t<div id=\"12-carte-credit-payante-rentable\">\t\t<h2 class=\"mt0 mb0\">Is it cost-effective to pay for a credit card?<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Paid Cards: Are They Worth It?<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>If you want solid travel insurance, avoid fees abroad, or accumulate miles that you actually exchange for tickets or upgrades, you might accept paying a subscription.<br\/>But if you don&#8217;t travel often, or if you&#8217;re just looking for a reliable everyday payment method, a well-chosen free card will do just fine.<\/p>\n\n<p>Paying for a card can be justified if the benefits match actual usage (if not a need).<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">13<\/span>\t<\/div>\t<div id=\"13-conclusion-quelle-carte-credit-choisir-en-suisse\">\t\t<h2 class=\"mt0 mb0\">Conclusion \u2013 Which Credit Card to Choose in Switzerland?<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">CONCLUSION &#8211; WHICH CARD TO CHOOSE?<\/div>\t<\/div><\/div>\n<p>One thing is clear: <strong>no single card does everything well.<\/strong><br\/>To avoid foreign currency fees, neobank debit cards are essential, and some clearly stand out in the analysis: <strong>Yuh<\/strong>, <strong>Neon<\/strong>, <strong>Revolut<\/strong>, and <strong>Wise<\/strong>. You can combine them for free and easily.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"pour-choisir-sa-carte-de-credit-tout-depend\"><strong>To choose your credit card, it all depends on:<\/strong><\/h3>\n\n<p><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\"><strong>\u2714<\/strong><\/mark> For <strong>occasional use<\/strong> without fees, <a href=\"#4-cartes-credit-gratuites-suisse\">free cards<\/a> remain the most practical.<br\/><br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\"><strong>\u2714<\/strong><\/mark> For <strong>regular expenses<\/strong>, <a href=\"#6-cartes-credit-cashback-suisse\">cards with cashback<\/a> allow you to recover an interesting percentage.<br\/><br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\"><strong>\u2714<\/strong><\/mark> As soon as you <strong>pay in foreign currencies<\/strong> across the border, the priority is to avoid hidden fees: <a href=\"#8-quelle-carte-credit-payer-etranger\">cards for paying abroad<\/a>.<br\/><br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\"><strong>\u2714<\/strong><\/mark> For <strong>travel<\/strong>, <a href=\"#7-meilleure-carte-credit-voyage-etranger\">travel cards<\/a> can be worth the cost if used properly.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-688b110 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-688b110 svg,#gspb_infoBox-id-gsbp-688b110 svg path{fill:var(--wp--preset--color--main,var(--rehub-main-color)) !important;}#gspb_infoBox-id-gsbp-688b110 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-688b110 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-688b110 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-688b110 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-688b110 .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-688b110 .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-688b110 .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-688b110 .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-688b110\" id=\"gspb_infoBox-id-gsbp-688b110\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 704 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M352 160c-105.88 0-192 86.12-192 192 0 17.68 14.32 32 32 32s32-14.32 32-32c0-70.6 57.44-128 128-128 17.68 0 32-14.32 32-32s-14.32-32-32-32zM192.12 918.34c0 6.3 1.86 12.44 5.36 17.68l49.020 73.68c5.94 8.92 15.94 14.28 26.64 14.28h157.7c10.72 0 20.72-5.36 26.64-14.28l49.020-73.68c3.48-5.24 5.34-11.4 5.36-17.68l0.1-86.36h-319.92l0.080 86.36zM352 0c-204.56 0-352 165.94-352 352 0 88.74 32.9 169.7 87.12 231.56 33.28 37.98 85.48 117.6 104.84 184.32v0.12h96v-0.24c-0.020-9.54-1.44-19.020-4.3-28.14-11.18-35.62-45.64-129.54-124.34-219.34-41.080-46.86-63.040-106.3-63.22-168.28-0.4-147.28 119.34-256 255.9-256 141.16 0 256 114.84 256 256 0 61.94-22.48 121.7-63.3 168.28-78.22 89.22-112.84 182.94-124.2 218.92-2.805 8.545-4.428 18.381-4.44 28.594l-0 0.006v0.2h96v-0.1c19.36-66.74 71.56-146.36 104.84-184.32 54.2-61.88 87.1-142.84 87.1-231.58 0-194.4-157.6-352-352-352z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-secondary-color has-text-color has-link-color wp-elements-7708376805ebaa26fb19659b78977793\">It&#8217;s not the card that makes the difference, it&#8217;s the combination you choose according to your usage.<\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">14<\/span>\t<\/div>\t<div id=\"14-cartes-credit-personnalisables\">\t\t<h2 class=\"mt0 mb0\">Customizable Credit Cards in Switzerland &#8211; Appendix<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Customizable Cards (APPENDIX)<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>\ud83d\udc69\ud83c\udffb\u200d\ud83c\udfa8 Some cards allow you to add a photo, logo, or personal design. It&#8217;s purely aesthetic: no impact on functions, but useful for visually standing out, whether for personal or professional purposes. Customization is sometimes paid, except in premium offers like Revolut Metal.  <\/p>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Card<\/strong><\/td><td><strong>Personalization<\/strong><\/td><td><strong>Cost<\/strong><\/td><\/tr><tr><td>Corn\u00e8rcard Picture Card<\/td><td>&#8211; Personal photo<br\/>&#8211; Logo or specific design<\/td><td>CHF 50<\/td><\/tr><tr><td>TCS MyDesign Mastercard<\/td><td>Personal photo or design<\/td><td>CHF 30<\/td><\/tr><tr><td>Swisscard Business Cards<\/td><td>&#8211; Company logos<br\/>&#8211; Unique designs<\/td><td>Variable<\/td><\/tr><tr><td>Revolut Metal<\/td><td>Choice of colors<\/td><td>Included (CHF 18.99\/month)<\/td><\/tr><tr><td>Viseca Business Cards<\/td><td>&#8211; Personal photo<br\/>&#8211; Company logos<\/td><td>Variable<\/td><\/tr><tr><td>Corn\u00e8rcard Zoom Reload (prepaid)<\/td><td>Specific photo or design<\/td><td>CHF 50<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">The main customizable credit cards in Switzerland.<\/figcaption><\/figure>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-352dccda-08b3 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-352dccda-08b3 svg,#gspb_infoBox-id-gsbp-352dccda-08b3 svg path{fill:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg)) !important;}#gspb_infoBox-id-gsbp-352dccda-08b3 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-352dccda-08b3 svg:hover,#gspb_infoBox-id-gsbp-352dccda-08b3 svg:hover path{fill:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg)) !important;}#gspb_infoBox-id-gsbp-352dccda-08b3 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-352dccda-08b3 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-352dccda-08b3 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-352dccda-08b3 .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-352dccda-08b3 .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-352dccda-08b3 .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-352dccda-08b3 .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-352dccda-08b3\" id=\"gspb_infoBox-id-gsbp-352dccda-08b3\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 1024 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M512 16c-273.914 0-496 222.166-496 496 0 273.994 222.086 496 496 496s496-222.006 496-496c0-273.834-222.086-496-496-496zM512 912c-221.064 0-400-178.862-400-400 0-220.99 178.944-400 400-400 220.982 0 400 178.942 400 400 0 221.060-178.862 400-400 400zM512 236c46.392 0 84 37.608 84 84s-37.608 84-84 84-84-37.608-84-84 37.608-84 84-84zM624 744c0 13.254-10.746 24-24 24h-176c-13.254 0-24-10.746-24-24v-48c0-13.254 10.746-24 24-24h24v-128h-24c-13.254 0-24-10.746-24-24v-48c0-13.254 10.746-24 24-24h128c13.254 0 24 10.746 24 24v200h24c13.254 0 24 10.746 24 24v48z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color\"><strong>Note:<\/strong> These options don&#8217;t change anything in terms of services or insurance. You often pay for the image, not for additional features. Reserve this if the visual aspect really matters.  <\/p>\n<\/div><\/div><\/div>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">15<\/span>\t<\/div>\t<div id=\"15-cartes-credit-speciales\">\t\t<h2 class=\"mt0 mb0\">Specialized Credit Cards in Switzerland &#8211; Appendix<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Specialized Credit Cards (APPENDIX) <\/div>\t<\/div><\/div>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Some cards are aimed at very specific profiles. They offer advantages in a precise ecosystem: donations, partner portals, travel companies&#8230;<br\/>They don&#8217;t seek to optimize fees or withdrawals, but to <strong>reward a well-defined behavior<\/strong> (such as traveling with TUI or making purchases through a given portal). <\/p>\n\n<p>These cards are interesting only if you exactly match the targeted profile. They can complement a main card, but rarely replace it. <\/p>\n\n<h3 class=\"wp-block-heading\" id=\"ubs-optimus-foundation-charity-carte-de-credit-visa-mastercard\">UBS Optimus Foundation Charity &#8211; Visa\/Mastercard credit card<\/h3>\n\n<p>This unique card donates a portion of the expenses to the UBS Optimus Foundation, supporting charitable projects for children. It doesn&#8217;t offer a points program for the user but stands out for its philanthropic commitment. It has an annual fee of 100 CHF.  <\/p>\n<style>#gspb_image-id-gsbp-f7b8835{text-align:center;}#gspb_image-id-gsbp-f7b8835 img{vertical-align:top;}#gspb_image-id-gsbp-f7b8835 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-f7b8835 img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-f7b8835 img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-f7b8835 img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-f7b8835 img{width:auto;}}#gspb_image-id-gsbp-f7b8835,#gspb_image-id-gsbp-f7b8835 img{height:200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-f7b8835\" id=\"gspb_image-id-gsbp-f7b8835\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/10\/UBS-Optimus-Foundation-Charity-Mastercard-carte-de-credit-Schweiz-kreditkarte-swiss-credit-cards-list-HD.avif\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"2646\" height=\"200\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Mobile payment compatibility:<br\/><\/strong>\u2022 Apple Pay<br\/>\u2022 Samsung Pay<br\/>\u2022 Google Pay<\/p>\n\n<p><strong>Insurance:<\/strong><br\/>\u2022 Travel accident insurance up to 300,000 CHF<br\/>\u2022 Cancellation fee insurance up to 5,000 CHF<br\/>\u2022 Baggage insurance up to 5,000 CHF<\/p>\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-4e267625-3631 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-4e267625-3631 img{height:35px!important;width:35px!important;min-width:35px!important;}#gspb_infoBox-id-gsbp-4e267625-3631 img,#gspb_infoBox-id-gsbp-4e267625-3631 img path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-4e267625-3631 img{margin:0px !important;}#gspb_infoBox-id-gsbp-4e267625-3631 img:hover,#gspb_infoBox-id-gsbp-4e267625-3631 img:hover path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-4e267625-3631 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-4e267625-3631 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-4e267625-3631 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-4e267625-3631 .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-4e267625-3631 .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-4e267625-3631 .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-4e267625-3631 .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-4e267625-3631\" id=\"gspb_infoBox-id-gsbp-4e267625-3631\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/carte-de-credit-icone.png\" alt=\"carte de cre\u0301dit icone\"\/><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color\">The UBS Optimus Foundation Charity is an interesting option to <strong>support charitable causes<\/strong> through your daily expenses, while benefiting from the advantages of a standard credit card.<\/p>\n<\/div><\/div><\/div>\n<\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"tui-visa-bonus-card-classic\">TUI Visa Bonus Card Classic<\/h3>\n\n<p>This card allows you to accumulate Bonus points with each purchase, usable for discounts on TUI travels (flights, hotels, vacation packages). It primarily targets people who travel regularly with TUI. The annual fee is 100 CHF with a free partner card included.  <\/p>\n<style>#gspb_image-id-gsbp-fee839d{text-align:center;}#gspb_image-id-gsbp-fee839d img{vertical-align:top;}#gspb_image-id-gsbp-fee839d img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-fee839d img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-fee839d img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-fee839d img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-fee839d img{width:auto;}}#gspb_image-id-gsbp-fee839d,#gspb_image-id-gsbp-fee839d img{height:200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-fee839d\" id=\"gspb_image-id-gsbp-fee839d\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/10\/TUI-Bonus-Card-Visa-Classic-carte-de-credit-Schweiz-kreditkarte-swiss-credit-cards-list-HD.png\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"900\" height=\"200\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Mobile payment compatibility:<\/strong><br\/>\u2022 Apple Pay<br\/>\u2022 Samsung Pay<br\/>\u2022 Google Pay<\/p>\n\n<p><strong>Insurance:<\/strong><br\/>\u2022 Travel accident insurance up to 300,000 CHF<br\/>\u2022 Baggage insurance up to 2,000 CHF<br\/>\u2022 Legal assistance abroad<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-43c6f66 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-43c6f66 img{height:35px!important;width:35px!important;min-width:35px!important;}#gspb_infoBox-id-gsbp-43c6f66 img,#gspb_infoBox-id-gsbp-43c6f66 img path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-43c6f66 img{margin:0px !important;}#gspb_infoBox-id-gsbp-43c6f66 img:hover,#gspb_infoBox-id-gsbp-43c6f66 img:hover path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-43c6f66 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-43c6f66 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-43c6f66 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-43c6f66 .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-43c6f66 .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-43c6f66 .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-43c6f66 .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-43c6f66\" id=\"gspb_infoBox-id-gsbp-43c6f66\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/carte-de-credit-icone.png\" alt=\"carte de cre\u0301dit icone\"\/><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color\">The TUI Visa Bonus Card Classic is an interesting option if you frequently travel with TUI and want to accumulate points on all your purchases.<\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"bonus-card-carte-de-credit-visa-classic\">Bonus Card &#8211; Visa Classic credit card<\/h3>\n\n<p>The Visa Classic from Bonus Card allows you to accumulate 1 Bonus point per franc spent, with a value of 0.5% if used for vouchers or travel on the Bonus Card portal. A simple card, without superfluous features, with an annual fee of 50 CHF. <\/p>\n<style>#gspb_image-id-gsbp-b9f20bb{text-align:center;}#gspb_image-id-gsbp-b9f20bb img{vertical-align:top;}#gspb_image-id-gsbp-b9f20bb img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-b9f20bb img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-b9f20bb img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-b9f20bb img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-b9f20bb img{width:auto;}}#gspb_image-id-gsbp-b9f20bb,#gspb_image-id-gsbp-b9f20bb img{height:200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-b9f20bb\" id=\"gspb_image-id-gsbp-b9f20bb\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/10\/Bonus-Card-Visa-Classic-carte-de-credit-Schweiz-kreditkarte-swiss-credit-cards-list-HD.webp\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"900\" height=\"200\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Mobile payment compatibility:<\/strong><br\/>\u2022 Apple Pay<br\/>\u2022 Samsung Pay<br\/>\u2022 Google Pay<br\/>\u2022 Fitbit Pay<br\/>\u2022 Garmin Pay<\/p>\n\n<p><strong>Insurance:<\/strong><br\/>\u2022 Travel accident insurance up to 300,000 CHF<br\/>\u2022 Medical and legal assistance abroad (optional with the TravelSecure package)<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-75b10fe .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-75b10fe img{height:35px!important;width:35px!important;min-width:35px!important;}#gspb_infoBox-id-gsbp-75b10fe img,#gspb_infoBox-id-gsbp-75b10fe img path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-75b10fe img{margin:0px !important;}#gspb_infoBox-id-gsbp-75b10fe img:hover,#gspb_infoBox-id-gsbp-75b10fe img:hover path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-75b10fe .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-75b10fe .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-75b10fe .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-75b10fe .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-75b10fe .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-75b10fe .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-75b10fe .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-75b10fe\" id=\"gspb_infoBox-id-gsbp-75b10fe\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/carte-de-credit-icone.png\" alt=\"carte de cre\u0301dit icone\"\/><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color\">Bonus Card Visa Classic is suitable if you&#8217;re looking for an affordable card with a simple points program. The benefits remain limited, unless you take the time to optimize exchanges via the Bonus Card portal. <\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"libertycard-carte-de-credit-visa\">LibertyCard &#8211; Visa credit card<\/h3>\n\n<p>The LibertyCard allows you to accumulate 1 Liberty point per franc spent, exchangeable for rewards or discounts with partners such as Coop, Transa, or Hotelcard. Additionally, purchases related to transportation (public transport, gas stations, car rentals, etc.) earn 2 points per franc spent. The annual fee is 144 CHF.  <\/p>\n<style>#gspb_image-id-gsbp-c56aacc{text-align:center;}#gspb_image-id-gsbp-c56aacc img{vertical-align:top;}#gspb_image-id-gsbp-c56aacc img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-c56aacc img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-c56aacc img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-c56aacc img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-c56aacc img{width:auto;}}#gspb_image-id-gsbp-c56aacc,#gspb_image-id-gsbp-c56aacc img{height:200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-c56aacc\" id=\"gspb_image-id-gsbp-c56aacc\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/10\/LibertyCard-Visa-carte-de-credit-Schweiz-kreditkarte-swiss-credit-cards-list-HD.webp\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"900\" height=\"200\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Mobile payment compatibility:<\/strong><br\/>\u2022 Apple Pay<br\/>\u2022 Samsung Pay<br\/>\u2022 Google Pay<br\/>\u2022 Swatch Pay<br\/>\u2022 Garmin Pay<br\/><\/p>\n\n<p><strong>Included insurances:<\/strong><br\/>\u2022 Travel cancellation insurance: coverage up to 10,000 CHF per event, including family.<br\/>\u2022 Baggage insurance: coverage up to 2,000 CHF per claim, with a 200 CHF deductible.<br\/>\u2022 Legal protection insurance: up to 250,000 CHF in Europe and 50,000 CHF in the rest of the world, per case and per year.<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-d347f2a .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-d347f2a img{height:35px!important;width:35px!important;min-width:35px!important;}#gspb_infoBox-id-gsbp-d347f2a img,#gspb_infoBox-id-gsbp-d347f2a img path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-d347f2a img{margin:0px !important;}#gspb_infoBox-id-gsbp-d347f2a img:hover,#gspb_infoBox-id-gsbp-d347f2a img:hover path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-d347f2a .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-d347f2a .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-d347f2a .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-d347f2a .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-d347f2a .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-d347f2a .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-d347f2a .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-d347f2a\" id=\"gspb_infoBox-id-gsbp-d347f2a\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/carte-de-credit-icone.png\" alt=\"carte de cre\u0301dit icone\"\/><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color\">The LibertyCard becomes interesting when you regularly use the partners or take advantage of the included insurances. Otherwise, the annual cost quickly outweighs the benefits. <\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"ubs-visa-mastercard-card-classic\">UBS Visa\/Mastercard Classic<\/h3>\n\n<p>The UBS Classic card allows you to accumulate 1 KeyClub point per franc spent, with a value of 0.25% if the points are used for partner vouchers or services. The points are valid for two years and can be used within the UBS ecosystem. The annual fee is 100 CHF, or 50 CHF for those up to 24 years old.  <\/p>\n<style>#gspb_image-id-gsbp-7f510b0{text-align:center;}#gspb_image-id-gsbp-7f510b0 img{vertical-align:top;}#gspb_image-id-gsbp-7f510b0 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-7f510b0 img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-7f510b0 img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-7f510b0 img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-7f510b0 img{width:auto;}}#gspb_image-id-gsbp-7f510b0,#gspb_image-id-gsbp-7f510b0 img{height:250px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-7f510b0\" id=\"gspb_image-id-gsbp-7f510b0\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/10\/UBS-VisaMastercard-Card-Classic-carte-de-credit-Schweiz-kreditkarte-swiss-credit-cards-list-HD.avif\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"780\" height=\"250\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Mobile payment compatibility:<br\/><\/strong>\u2022 Apple Pay<br\/>\u2022 Samsung Pay<br\/>\u2022 Google Pay<br\/>\u2022 Garmin Pay<br\/>\u2022 Fitbit Pay<\/p>\n\n<p><strong>Included insurances:<br\/><\/strong>\u2022 Travel accident insurance<br\/>\u2022 Emergency assistance abroad<br\/>\u2022 Extended warranty on certain purchases<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-5c8f23e .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-5c8f23e img{height:35px!important;width:35px!important;min-width:35px!important;}#gspb_infoBox-id-gsbp-5c8f23e img,#gspb_infoBox-id-gsbp-5c8f23e img path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-5c8f23e img{margin:0px !important;}#gspb_infoBox-id-gsbp-5c8f23e img:hover,#gspb_infoBox-id-gsbp-5c8f23e img:hover path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-5c8f23e .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-5c8f23e .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-5c8f23e .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-5c8f23e .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-5c8f23e .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-5c8f23e .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-5c8f23e .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-5c8f23e\" id=\"gspb_infoBox-id-gsbp-5c8f23e\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/carte-de-credit-icone.png\" alt=\"carte de cre\u0301dit icone\"\/><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color\">Simple but expensive card given the return on points. The interest increases only if you centralize your banking services with UBS or take advantage of KeyClub offers. <\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"tui-visa-bonus-card-gold\">TUI Visa Bonus Card Gold<\/h3>\n\n<p>The TUI Gold card allows you to accumulate Bonus points based on the place of purchase: 1 point per franc at certain partners, 2 points per 5 francs at affiliated stores, and 1 point per 5 francs elsewhere. The points are exchangeable for discounts on TUI travel or other rewards. The annual fee is 200 CHF.  <\/p>\n<style>#gspb_image-id-gsbp-6be7e73{text-align:center;}#gspb_image-id-gsbp-6be7e73 img{vertical-align:top;}#gspb_image-id-gsbp-6be7e73 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-6be7e73 img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-6be7e73 img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-6be7e73 img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-6be7e73 img{width:auto;}}#gspb_image-id-gsbp-6be7e73,#gspb_image-id-gsbp-6be7e73 img{height:200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-6be7e73\" id=\"gspb_image-id-gsbp-6be7e73\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/10\/TUI-Bonus-Card-Gold-Visa-carte-de-credit-Schweiz-kreditkarte-swiss-credit-cards-list-HD.png\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"900\" height=\"200\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Mobile payment compatibility:<br\/><\/strong>\u2022 Apple Pay<br\/>\u2022 Samsung Pay<br\/>\u2022 Google Pay<\/p>\n\n<p><strong>Insurance:<br\/><\/strong>\u2022 Travel accident insurance up to 1,000,000 CHF<br\/>\u2022 Cancellation fee insurance up to 20,000 CHF<br\/>\u2022 Baggage insurance up to 10,000 CHF<br\/>\u2022 Legal assistance abroad<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-89f1f28 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-89f1f28 img{height:35px!important;width:35px!important;min-width:35px!important;}#gspb_infoBox-id-gsbp-89f1f28 img,#gspb_infoBox-id-gsbp-89f1f28 img path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-89f1f28 img{margin:0px !important;}#gspb_infoBox-id-gsbp-89f1f28 img:hover,#gspb_infoBox-id-gsbp-89f1f28 img:hover path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-89f1f28 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-89f1f28 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-89f1f28 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-89f1f28 .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-89f1f28 .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-89f1f28 .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-89f1f28 .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-89f1f28\" id=\"gspb_infoBox-id-gsbp-89f1f28\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/carte-de-credit-icone.png\" alt=\"carte de cre\u0301dit icone\"\/><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color\">The TUI Visa Bonus Card Gold becomes interesting if you regularly book through TUI. It provides access to a higher reward rate and discounts on travel, but does not offer a confirmed concierge service. <\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"acs-carte-de-credit-visa-classic\">ACS &#8211; Visa Classic credit card<\/h3>\n\n<p>The ACS Visa Classic card is offered exclusively to members of the Automobile Club of Switzerland. It allows you to accumulate 1 KeyClub point per franc spent (estimated value: 0.25%), exchangeable for vouchers or offers in the UBS universe. The card is free, but requires ACS membership (98 CHF per year).  <\/p>\n<style>#gspb_image-id-gsbp-9eebb97{text-align:center;}#gspb_image-id-gsbp-9eebb97 img{vertical-align:top;}#gspb_image-id-gsbp-9eebb97 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-9eebb97 img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-9eebb97 img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-9eebb97 img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-9eebb97 img{width:auto;}}#gspb_image-id-gsbp-9eebb97,#gspb_image-id-gsbp-9eebb97 img{height:200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-9eebb97\" id=\"gspb_image-id-gsbp-9eebb97\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/10\/ACS-Visa-Classic-automobile-club-suisse-carte-de-credit-Schweiz-kreditkarte-swiss-credit-cards-list-HD-version.png\" data-src=\"\" alt=\"ACS Visa Classic automobile club switzerland credit card - Switzerland credit card - swiss credit cards list HD version\" loading=\"lazy\" width=\"864\" height=\"200\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Mobile Payment Compatibility:<\/strong><br\/>\u2022 Apple Pay<br\/>\u2022 Samsung Pay<br\/>\u2022 Google Pay<br\/>\u2022 Garmin Pay<br\/>\u2022 Fitbit Pay<\/p>\n\n<p><strong>Insurance:<br\/><\/strong>\u2022 Travel and aviation accident insurance if 80% of the trip is paid with the card<\/p>\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-35082f4 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-35082f4 img{height:35px!important;width:35px!important;min-width:35px!important;}#gspb_infoBox-id-gsbp-35082f4 img,#gspb_infoBox-id-gsbp-35082f4 img path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-35082f4 img{margin:0px !important;}#gspb_infoBox-id-gsbp-35082f4 img:hover,#gspb_infoBox-id-gsbp-35082f4 img:hover path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-35082f4 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-35082f4 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-35082f4 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-35082f4 .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-35082f4 .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-35082f4 .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-35082f4 .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-35082f4\" id=\"gspb_infoBox-id-gsbp-35082f4\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/carte-de-credit-icone.png\" alt=\"carte de cre\u0301dit icone\"\/><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color\">The ACS Visa Classic provides access to the KeyClub program and certain ACS-specific benefits (assistance, travel, auto offers), without card fees. But it remains very basic in terms of insurance and features. The interest mainly depends on the overall use of ACS services.  <\/p>\n<\/div><\/div><\/div>\n<\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"acs-visa-gold-carte-de-credit-visa\">ACS Visa Gold \u2013 Visa credit card<\/h3>\n\n<p>The ACS Visa Gold card is exclusively reserved for members of the Automobile Club of Switzerland (ACS). It is free for the first year, then subject to an annual fee of 100 CHF. This card allows participation in the UBS KeyClub program, offering 4 points per 1,000 CHF spent, usable with UBS partners.  <\/p>\n<style>#gspb_image-id-gsbp-a729d98{text-align:center;}#gspb_image-id-gsbp-a729d98 img{vertical-align:top;}#gspb_image-id-gsbp-a729d98 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-a729d98 img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-a729d98 img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-a729d98 img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-a729d98 img{width:auto;}}#gspb_image-id-gsbp-a729d98,#gspb_image-id-gsbp-a729d98 img{height:200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-a729d98\" id=\"gspb_image-id-gsbp-a729d98\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/10\/ACS-Visa-Gold-automobile-club-suisse-carte-de-credit-Schweiz-kreditkarte-swiss-credit-cards-list-HD-version.png\" data-src=\"\" alt=\"ACS Visa Gold Swiss Automobile Club Credit Card - Switzerland Credit Card - Swiss Credit Cards List HD Version\" loading=\"lazy\" width=\"1728\" height=\"200\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Mobile Payment Compatibility:<\/strong><br\/>\u2022 Apple Pay<br\/>\u2022 Samsung Pay<br\/>\u2022 Google Pay<br\/>\u2022 Garmin Pay<br\/>\u2022 Fitbit Pay<\/p>\n\n<p><strong>Included Insurances:<br\/><\/strong>\u2022 Travel and Aviation Accident Insurance (up to 600,000 CHF)<br\/>\u2022 Repatriation, Rescue, and Search (up to 60,000 CHF)<br\/>\u2022 Rental Car Deductible (up to 10,000 CHF)<br\/>\u2022 Best Price Guarantee (up to 2,000 CHF per year)<\/p>\n\n<p><strong>Travel Benefits:<br\/><\/strong>\u2022 Priority Pass Access (airport lounges, 30 EUR per entry)<br\/>\u2022 Up to 20% discount at Sixt<br\/>\u2022 10% discount on parking at Zurich Airport<\/p>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-b5967bf .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-b5967bf img{height:35px!important;width:35px!important;min-width:35px!important;}#gspb_infoBox-id-gsbp-b5967bf img,#gspb_infoBox-id-gsbp-b5967bf img path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-b5967bf img{margin:0px !important;}#gspb_infoBox-id-gsbp-b5967bf img:hover,#gspb_infoBox-id-gsbp-b5967bf img:hover path{fill:var(--wp--preset--color--secondary,var(--rehub-sec-color)) !important;}#gspb_infoBox-id-gsbp-b5967bf .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-b5967bf .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-b5967bf .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-b5967bf .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-b5967bf .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-b5967bf .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-b5967bf .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-b5967bf\" id=\"gspb_infoBox-id-gsbp-b5967bf\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/carte-de-credit-icone.png\" alt=\"carte de cre\u0301dit icone\"\/><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color\">The ACS Visa Gold clearly targets mobile profiles who travel frequently and want to enjoy a good level of insurance without extra costs on options. But it&#8217;s only really worth it if you actively use ACS services and the included benefits. <\/p>\n<\/div><\/div><\/div>\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n\n\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.blue_type{color:#31708f;background-color:#d9edf7;border-color:#bcdff1}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-184a3acd-f2aa .gs-box{margin-right:-5px;margin-left:-5px;padding-right:10px;padding-left:10px;}}#gspb_infoBox-id-gsbp-184a3acd-f2aa svg,#gspb_infoBox-id-gsbp-184a3acd-f2aa svg path{fill:#ffffff !important;}#gspb_infoBox-id-gsbp-184a3acd-f2aa svg{margin:0px !important;}#gspb_infoBox-id-gsbp-184a3acd-f2aa svg:hover,#gspb_infoBox-id-gsbp-184a3acd-f2aa svg:hover path{fill:#ffffff !important;}#gspb_infoBox-id-gsbp-184a3acd-f2aa .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-184a3acd-f2aa .gs-box{border:0;}#gspb_infoBox-id-gsbp-184a3acd-f2aa .gs-box{border-left:0;}#gspb_infoBox-id-gsbp-184a3acd-f2aa .gs-box{background-color:var(--wp--preset--color--secondary,var(--rehub-sec-color));}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-184a3acd-f2aa .gs-box{background-color:var(--wp--preset--color--secondary,var(--rehub-sec-color));}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-184a3acd-f2aa .gs-box{background-color:var(--wp--preset--color--secondary,var(--rehub-sec-color));}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-184a3acd-f2aa .gs-box{background-color:var(--wp--preset--color--secondary,var(--rehub-sec-color));}}#gspb_infoBox-id-gsbp-184a3acd-f2aa .gs-box{color:#ffffff}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-184a3acd-f2aa\" id=\"gspb_infoBox-id-gsbp-184a3acd-f2aa\"><div class=\"gs-box blue_type \"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 768 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M613 373.2l-11.4-85.2h54.4c26.4 0 48-21.6 48-48v-192c0-26.4-21.6-48-48-48h-544c-26.4 0-48 21.6-48 48v192c0 26.4 21.6 48 48 48h54.4l-11.4 85.2c-95.8 65.6-155 168.2-155 282.8 0 26.4 21.6 48 48 48h288v208c0 1.8 0.2 3.4 0.8 5l32 96c4.8 14.6 25.6 14.6 30.4 0l32-96c0.6-1.6 0.8-3.4 0.8-5v-208h288c26.4 0 48-21.6 48-48 0-114.6-59.2-217.2-155-282.8zM101 608c16.6-77 71.2-140 143-175.6l32-240.4h-116v-96h448v96h-116l32 240.4c71.6 35.6 126.4 98.8 143 175.6z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Should We Really Consider These Specialized Cards?<\/strong><\/p>\n\n\n\n<p>These cards only deserve an <strong>opportunistic look<\/strong>: if you&#8217;re already engaged in the universe they target (portal, company, program), they can be beneficial.<\/p>\n\n\n\n<p>Otherwise, it&#8217;s better to concentrate your expenses on a more advantageous main card.<\/p>\n<\/div><\/div><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>There are dozens of credit cards available in Switzerland. Is it an interesting choice to optimize your finances? The answer is yes. An analysis conducted by moneyland.ch reveals that you can save several hundred francs per year by changing cards. This is the objective of this page: we explore the best credit card options available [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":19088,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_gspb_post_css":"","_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[393],"tags":[],"dealstore":[],"offerexpiration":[],"class_list":["post-14669","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Credit Cards in Switzerland \u2013 Explained List and Comparison 2026<\/title>\n<meta name=\"description\" content=\"Swiss Credit Cards (2026): Fees, cashback, insurance, points, foreign. 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