Cashback Cards CH review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Cashback Cards CH suits Swiss readers who want a credit card that costs nothing to hold and gives a share of everyday spending back in cash. Cashback runs at 0.25% to 1% depending on the card you pick, so it works for people who clear the balance each month.

Key facts

Best for
A fee free Swiss credit card that pays cash back on everyday spending.
Annual fee
CHF 0 (Source, checked September 26, 2026)
Rewards type
Cashback (Source, checked September 26, 2026)
Rewards rate
1% on American Express Cashback Card, 0.25% on World Mastercard or Visa (Source, checked September 26, 2026)
Perks
Installment facility with minimum repayment of 2.5% of the balance, at least CHF 50, American Express Selects hotel, dining and shopping offers, Mastercard Priceless Cities events in more than 44 cities, Return Protection Insurance up to CHF 1,000 for goods worth CHF 60 or more, Free additional card for a partner, Worldwide card replacement if the card is lost, Mobile payment with Apple Pay, Google Pay, Samsung Pay and Swatch Pay, Swisscard app for Android and iOS with 3-D Secure approval, Worldwide card acceptance (Source, checked September 26, 2026)
Cashback rate
0.25% to 1% (Source, checked September 26, 2026)
Card kind
Credit (Source, checked September 26, 2026)
Legal entity
Swisscard AECS GmbH (Source, checked September 26, 2026)
Headquarters
Switzerland (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
No annual fee
Features
Rewards
Official website
cashback-cards.ch

Apps and profiles

Pros and cons

Pros

  • Cashback of 0.25% to 1% on a cashback card, with the higher rate on the American Express Cashback Card.
  • It is a no annual fee card with an annual fee of CHF 0, so holding the account is cost free.
  • Support runs on phone and help centre, so a call or the help centre covers most questions.
  • A credit card, so a balance can build up and be paid down over time.

Cons

  • Support runs on phone and help centre only, with chat not listed.
  • The lower rate in 0.25% to 1% applies to the World Mastercard and Visa cards.
Cashback Cards CH

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Scored 9.1 / 10 by DebitCue.

Who it suits

  • Swiss residents who want a credit card with an annual fee of CHF 0 and cash back on spending
  • Readers who pay in Swiss francs and want their spending paid back in cash
  • Anyone who wants one simple cashback scheme rather than a points or travel scheme

Who should look elsewhere

  • Wise, if you want a card priced in another currency, with an annual fee of £0
  • Chime Card (Secured Visa Credit Card), if you want a US secured card with an annual fee of $0
  • Varo Believe Secured Credit Card, if building credit on a secured card matters more, with an annual fee of $0

Who runs it

Swisscard AECS GmbH is the legal entity behind Cashback Cards CH, and its home country is CH, so this is a domestic issuer serving a single market rather than a multi-currency account. Support runs on phone and help centre only, which suits readers who would rather call or read the help centre than start a chat.

How Cashback Cards CH compares

Where Cashback Cards CH is available

Available
Switzerland

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does it cost to hold the card?+

The annual fee is CHF 0 on a no annual fee card, so holding the account open costs nothing. Rewards are paid as cashback, and cashback across the range sits at 0.25% to 1% depending on which card you pick.

Which of the cards earns the most cashback?+

The rate is higher on the American Express Cashback Card than on the World Mastercard or Visa cards, so the card you pick decides what comes back. Across the range, cashback is 0.25% to 1% and the reward type is cashback.

Is this a credit card or a debit card?+

It is a credit card, so a balance can build and be paid down rather than spending only what sits in the bank. Cards are accepted worldwide and the app runs on Android and iOS, both listed in Installment facility with minimum repayment of 2.5% of the balance, at least CHF 50, American Express Selects hotel, dining and shopping offers and Mastercard Priceless Cities events in more than 44 cities.

Can I pay a large purchase in instalments?+

Yes. Installment facility with minimum repayment of 2.5% of the balance, at least CHF 50, American Express Selects hotel, dining and shopping offers and Mastercard Priceless Cities events in more than 44 cities includes an installment facility, with a minimum repayment set as a share of the balance and a minimum amount in francs. It suits readers who would rather spread a cost over months than settle it in one payment.

What happens if the card is lost?+

Installment facility with minimum repayment of 2.5% of the balance, at least CHF 50, American Express Selects hotel, dining and shopping offers and Mastercard Priceless Cities events in more than 44 cities includes worldwide card replacement if the card is lost, return protection insurance for goods above a value threshold, and a free additional card for a partner on the same account, so a partner needs no separate application.

How do I get help?+

Support runs on phone and help centre, which lists phone and a help centre. A call handles urgent questions while the help centre covers routine ones, and chat is not part of the line up.

Is the card only useful in Switzerland?+

The account is built for a single market, with Swisscard AECS GmbH as the legal entity in Switzerland. Cards are accepted worldwide, and mobile payment works with Apple Pay, Google Pay, Samsung Pay and Swatch Pay, all listed in Installment facility with minimum repayment of 2.5% of the balance, at least CHF 50, American Express Selects hotel, dining and shopping offers and Mastercard Priceless Cities events in more than 44 cities.

Can I approve card payments in the app?+

Installment facility with minimum repayment of 2.5% of the balance, at least CHF 50, American Express Selects hotel, dining and shopping offers and Mastercard Priceless Cities events in more than 44 cities lists a mobile app for Android and iOS with secure card approval, so a card payment can be confirmed in the app rather than only at the terminal. Mobile payment with Apple Pay, Google Pay, Samsung Pay and Swatch Pay is included.

Where does the annual fee sit against other cards?+

This card carries an annual fee of CHF 0, which places it at position 1 on the annual fee ranking of 301 brands. Cashback of 0.25% to 1% adds a reward on top of a card with no annual charge.

Sources

  • cashback-cards.ch/en checked September 26, 2026

    Backs: Headquarters, Legal entity, Support channels

    “Cashback Cards, issued by Swisscard AECS GmbH, Neugasse 18, 8810 Horgen”

  • cashback-cards.ch/en/cards checked September 26, 2026

    Backs: Annual fee, Card kind, Cashback rate, Features, Pricing model, Perks, Rewards rate, Rewards type

    “the free Cashback credit cards with no annual fee are your ideal companions”

Compiled from 2 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Currency conversion fee.

Cashback Cards CH

Cashback Cards CH

A fee free Swiss credit card that pays cash back on everyday spending.

9.1/10See alternatives