poinz CH review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
poinz CH is a Swiss cashback credit card for everyday spenders who want a small reward on ordinary shopping without an annual charge. The annual fee is CHF 0 and the cashback rate runs 0.25% to 1%, with the higher rate on the poinz American Express.
Key facts
- Best for
- Everyday Swiss spending that earns cashback with an annual fee of CHF 0
- Annual fee
- CHF 0 (Source, checked September 26, 2026)
- Rewards type
- Cashback (Source, checked September 26, 2026)
- Rewards rate
- 1% cashback on the poinz American Express (3% in the first 3 months, max CHF 100), 0.25% on the poinz Visa (Source, checked September 26, 2026)
- Perks
- Instant card issuing: apply in just 4 minutes and start shopping after acceptance, Cashback credited in CHF to poinz account within 24 hours, payout to Swiss bank account in two clicks, Digital vouchers from brands such as Zalando, Apple, IKEA or H&M with up to 10% cashback, Digital stamp cards at over 1000 partner stores, 10th purchase rewarded, Cards issued by SwissCard (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
- poinz AG (Source, checked September 26, 2026)
- Headquarters
- Switzerland (Source, checked September 26, 2026)
- Support channels
- Phone, Email (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Rewards
- Official website
- poinz.ch
Apps and profiles
- Elsewhere
- Trustpilot
Pros and cons
Pros
- The annual fee is CHF 0 and the no annual fee model means there is no yearly charge for holding the card.
- Cashback of 0.25% to 1% on everyday spending, with the higher rate on the poinz American Express card.
- A cashback rewards setup, so spending earns money back rather than collecting points or miles.
- Cards are issued quickly and cashback is credited in CHF to the poinz account, then paid out to a Swiss bank account.
Cons
- Support runs on phone and email only, so there is no live chat listed for cashback or payout questions.
- Cashback of 0.25% to 1% is a modest return, and the lower end of that range sits on the poinz Visa.
- A single market setup, since poinz AG is based in Switzerland and pays cashback in CHF.
Who it suits
- Swiss residents who shop daily and want a percentage back on ordinary purchases with no annual charge.
- Cardholders who prefer cashback to points or miles, since the rewards type here is cashback.
- People who want a credit card with quick issuing and cashback credited to a poinz account.
Who should look elsewhere
- Chime Card (Secured Visa Credit Card), whose annual fee is $0, suits anyone who wants a secured card.
- Varo Believe Secured Credit Card, with an annual fee of $0, suits those building credit on a secured card.
- Wise, whose annual fee is £0, suits people who want a card without a cashback programme.
The company behind it
The card is run by poinz AG, a company headquartered in Switzerland, so the operation covers a single market rather than a spread of countries. Customer contact runs through phone and email, with no live chat listed for questions about payouts. That short support list is worth knowing before you open the account.
How poinz CH compares
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9.0 vs 8.5
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9.0 vs 9.0
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9.0 vs 8.8
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9.0 vs 9.2
9.0 vs 9.0
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9.0 vs 9.1
9.0 vs 8.8
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- 9.0 vs 8.8
- 9.0 vs 8.8
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9.0 vs 8.5
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9.0 vs 8.3
9.0 vs 8.2
9.0 vs 8.0
9.0 vs 8.0
Where poinz CH is available
- Available
- Switzerland
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the poinz card cost to hold?+
The annual fee is CHF 0, and the card is listed in the no annual fee model, so there is no yearly charge for keeping it open. It is a credit card rather than a debit card, which means it earns a rewards rate and carries credit terms.
How much cashback does the poinz card pay?+
The cashback rate runs 0.25% to 1% across the two cards. The poinz American Express earns the higher rate and the poinz Visa the lower one, so the card you pick changes the return on everyday spending.
How does the cashback reach my bank account?+
Cashback is credited in CHF to the poinz account rather than paid straight to the card, and the payout to a Swiss bank account takes a couple of clicks. The rate on that credited amount is 0.25% to 1%, so the extra step is worth remembering.
How quickly is the card issued?+
Card issuing is instant in practice: you apply and can start shopping once you are accepted. The account sits with poinz AG and the physical cards are issued by SwissCard, so the card arrives from the issuer rather than from the rewards partner.
How do I reach poinz support?+
Support runs on phone and email, so a question about a payout or a card delivery goes by phone or email. There is no live chat in that list, which matters if you would rather read a written answer first.
Is there anything besides cashback?+
Rewards are cashback based, and the wider list adds digital vouchers from brands such as Zalando, Apple, IKEA or H&M, plus digital stamp cards at partner stores where a set number of purchases is rewarded.
Who is the poinz card for?+
It suits people who spend in Swiss francs and want a percentage back on everyday shopping with no annual charge, since the annual fee is CHF 0 and the rate runs 0.25% to 1%. It is a cashback card, so it rewards spending rather than collecting points.
Sources
- poinz.ch/en/imprint checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels
“Poinz AG, Manessestrasse 170, 8045 Zurich”
- poinz.ch/en/poinz/poinz-cards checked September 26, 2026
Backs: Annual fee, Card kind, Cashback rate, Features, Pricing model, Perks, Rewards rate, Rewards type
“With the poinz credit cards, you pay CHF 0.- in annual fees - not just the first year, but every year. No strings, no catch.”
Compiled from 2 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: APR, Currency conversion fee.
poinz CH
Everyday Swiss spending that earns cashback with an annual fee of CHF 0