Not just credit cards. Game changers.
With the poinz credit cards, every tap, swipe, or checkout puts up to 1% cashback in your pocket. Whether it's groceries, coffee, flights — you're not just spending, you're earning. No strings. No catch. Just savings.
You have no costs
Apply now to get both your poinz American Express and poinz Visa. With the poinz American Express you’ll always receive 1% (3% in the first 3 months) and with the poinz Visa you’ll receive 0.25% cashback on every transaction – worldwide.
Yes, we were voted the best credit cards in Switzerland. 4 years in a row.
Every year since our launch 2022, we have been elected as the best credit cards in Switzerland on moneyland.ch. In 2025, the poinz credit cards were elected the most popular credit cards in Switzerland in several categories on handelszeitung.ch.
No costs. Literally free, forever.
With the poinz credit cards, you pay CHF 0 in annual fees — not just the first year, but every year. No strings, not catch. Just real, free benefits.
Swiss Francs straight to your account.
When we say cashback, we mean cash back. Earn CHF every time you shop – credited to your poinz account automatically, within 24 hours. Use your balance to buy digital vouchers and deals, or transfer it to your bank account in just two clicks. Easy as 1, 2, 3.
The best credit card duo in Switzerland
Two cards, one powerful combo – for smarter spending and bigger rewards.
poinz American Express®
CHF 0.00 yearly fee
With the poinz American Express you’ll always receive 1% on every purchase you make, worldwide. In the first 3 months, you’ll even get 3% (up to a maximum amount of CHF 100).
Instant issuing: Apply in just 4 minutes and start shopping immediately after your application has been accepted.
poinz Visa
CHF 0.00 yearly fee
With the poinz Visa you’ll always receive 0.25% on every purchase you make, worldwide.
Instant issuing: Apply in just 4 minutes and start shopping immediately after your application has been accepted.
Calculate how much you could save this year by using the poinz credit cards
Your monthly spendings
CHF 4200.00
CHF 0.00
CHF 10000.00
Savings in your first year*
*Based on using the poinz American Express (1% cashback, 3% in the first 3 months). Actual savings may vary.
CHF 504.00
Yes, saving money with the poinz credit cards is that easy!
Not only do the poinz credit cards help you save money in your everyday life, but we’ll even send you a gift just for getting started.
1
Apply for your credit cards
Click on the «Apply now» button and you can apply for the free poinz credit cards online in just 4 minutes.
2
Collect & save even more
With the poinz credit cards, you’ll earn up to 1% cashback on every transaction – online, in-store, in Switzerland and worldwide.
3
Transfer your collected cashback straight to your bank account or redeem in the shop
Transfer your collected cashback from your poinz account directly to your bank account, or use your balance to buy digital vouchers and deals in the poinz shop. Collect even more cashback with your purchases!
Discover all of the ways you can save in the poinz ecosystem
Check out the poinz shop carrying all of your favorite brands with the best cashback offers, discounts, and deals.
