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poinz CH review

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

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Our verdict

poinz is a Swiss rewards card for people who shop with brands they already use and want cash back on everyday spend. The annual fee is CHF 0, the rewards type is cashback and the cards are issued by SwissCard with instant issuing.

Key facts

Best for
A fee-free rewards card for everyday spending in Switzerland.
Annual fee
CHF 0↗
Rewards type
Cashback↗
Rewards rate
1% cashback on the poinz American Express (3% in the first 3 months, max CHF 100), 0.25% on the poinz Visa↗
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↗
Cashback rate
0.25% to 1%↗
Card kind
Credit↗
Legal entity
poinz AG↗
Headquarters
Switzerland↗
Support channels
Phone, Email↗
Pricing model
No annual fee
Features
Rewards
Official website
poinz.ch

Facts checked September 26, 2026, 2 sources

Apps and profiles

Elsewhere
Trustpilot

Pros and cons

Pros

  • Cashback runs 0.25% to 1% depending on the card, and the American Express card pays more than the Visa card.
  • Cashback is credited in CHF to the poinz account and can be paid out to a Swiss bank account straight from the app.
  • Digital vouchers from brands such as Zalando, Apple, IKEA and H&M carry extra cashback, and stamp cards at partner stores reward a filled card.
  • The reward type is cashback, so the return arrives as money rather than points.

Cons

  • Support runs on phone and email only, so there is no live chat for a quick question about a payment.
  • The Visa card sits at the lower end of 0.25% to 1%, and the higher rate on the American Express card is capped, so the top rate does not last.
  • Cashback is credited in CHF and paid to a Swiss bank account, so the setup is built around banking in Switzerland.
poinz CH

Ready to try poinz CH?

Scored 9.0 / 10 by SumCue.

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Who it suits

  • Swiss residents who want cashback on everyday spending and no annual fee.
  • Shoppers who buy from brands like Zalando, Apple, IKEA and H&M and like collecting digital vouchers and stamp cards.
  • People who want their cashback in CHF with a payout to a Swiss bank account.

Who should look elsewhere

  • Not for anyone after a sterling card: Wise lists an annual fee of £0, where poinz pays cashback in CHF to a Swiss bank account.
  • Not for people who want a secured card: Varo Believe Secured Credit Card is the secured option here, with an annual fee of $0.
  • Not for euro banking: bunq lists an annual fee of €0, and poinz pays out from a company based in Switzerland.

The company behind it

poinz is run by poinz AG, a company based in Switzerland, which puts the account and the cards inside the Swiss market they are built for. Support comes from the same company on phone and email, so a card question and an account question reach the same team. Phone suits anything urgent about a payment, while email gives a written trail for a rewards query or a fee question.

How poinz CH compares

Where poinz CH is available

Available
Switzerland

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

Frequently asked questions

What does a poinz card cost to hold?+

The annual fee is CHF 0, and the card sits in the no annual fee model. Across the brands compared, poinz places 1 out of 312 on that measure, so keeping the card open adds nothing in fees.

How much cashback do I earn?+

Cashback runs 0.25% to 1% across the cards. The American Express card pays more than the Visa card, and its rate is lifted for the opening months with a cap on how much that boost can pay out. The reward type is cashback, so the return comes back as money.

Is this a credit card or a debit card?+

It is a credit card, so purchases sit on a balance you settle rather than coming straight out of a bank account. The annual fee is CHF 0, and the cashback rate applies to the spend you run on the card.

What rewards are there besides cashback?+

The reward type is cashback, and the rewards run through the poinz app. Digital vouchers from brands such as Zalando, Apple, IKEA and H&M carry extra cashback, and stamp cards at partner stores reward a filled card. Cards come quickly after acceptance.

How do I get my cashback?+

Cashback of 0.25% to 1% is credited to the poinz account in CHF rather than to the card balance, and it reaches a Swiss bank account straight from the app. The account sits with a company based in Switzerland, which is where that payout runs.

Who runs poinz?+

poinz is operated by poinz AG, based in Switzerland. The cards and the account sit with that Swiss company, and the cards themselves are issued by SwissCard. Checking who sits behind the card leads to the same legal entity, with support contacts listed for questions.

How do I get help?+

Support runs on phone and email, which covers phone and email. That means a call reaches a person for anything urgent, while a rewards or fee question can be written up and kept. Both channels sit with poinz AG itself, so questions about the account and the rewards go to the same team.

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

poinz CH

A fee-free rewards card for everyday spending in Switzerland.

9.0/10See alternatives