Best credit cards in Switzerland, by what they actually pay

Every card in the Switzerland catalogue, ranked by what it genuinely returns on each kind of spending — after the monthly cap, and after the minimum spend some cards require before any bonus rate applies.

11 cards · catalogue v101 · rates from published sources, none yet checked against issuer terms

The best rate here with nothing attached to it

Migros Cumulus Mastercard pays 1.00% on groceries with no monthly cap and no minimum spend to unlock it — which is rarer, and worth more over a year, than most of the larger numbers in the table below.

Every category in Switzerland

In the order people spend, not biggest number first. The highest rate on a card is routinely the one that means least, so what limits it is shown beside it.

Best published return per category in Switzerland, from 11 cards. The headline rate is one that covers the whole category; where a bigger rate covers only part of it, that is shown underneath with what it covers.
Spending on	Best return	Card
groceries	1.00%	Migros Cumulus MastercardMigros Bank · CHF 0 a year
everything else	1.00%or 2.00% (CHF version only), with ZKB Visa Credit Card	Swisscard American Express GoldSwisscard · CHF 350 a year

How these were worked out. The rates here come from each issuer's published material. None of the 11 cards in Switzerland has yet been read against the issuer's own terms line by line — the ones that have, in every market, are listed on the checked page. Every rate is converted to what the card actually returns — points and miles are valued at the redemption rate the programme publishes, using the rate anyone can take rather than the best one available after a transfer. Where a card's programme publishes no redemption value, the card is left off this page rather than listed at a number that would be a guess. Caps and minimum monthly spends are shown because they are usually what decides whether a headline rate is real.

This is a table. Your wallet is a decision.

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Other markets

The same working, for the other countries in the catalogue.