Credit card for students in Switzerland
Find out what makes the American Express credit cards for students in Switzerland so special.
Credit cards for students from American Express
Students need a credit card that suits their lifestyle. This means one that’s inexpensive, as flexible as possible and yet with numerous advantages. That’s why the American Express BLUE credit card and the American Express Card are particularly suitable as credit cards for students in Switzerland.
Both cards offer the following advantages:
- Low annual fees
- Loyalty programs
- Mobile payments
- Secure and contactless payments
- Cash withdrawals worldwide
- Management via app
- A variety of insurance packages
- Attractive offers through American Express Selects
- Free replacement cards
The cards also offer their own advantages. It is worth comparing the credit cards for students. This will help you find the right card for you and your lifestyle.
American Express BLUE credit card for students
The American Express BLUE credit card impresses with a low annual fee of CHF 80, with just CHF 40 payable in the first year. It also stands out visually when paying due to its exceptional design.
The BLUE credit card also allows you to participate in the pointup bonus program and collect points each time you make a purchase with your credit card. You can then exchange these for attractive rewards. Membership of pointup costs CHF 40 per year.
The following insurance coverage is also included with the BLUE credit card from American Express:
- Personal Assistance
- Transport Accident Insurance
- Online Return Protection Insurance
Good to know: You can also take out additional insurance at a reduced price.
American Express Card for students
You pay CHF 140 per year for the American Express Card, with no annual fee in the first year. With the American Express Card, you take part in the Membership Rewards bonus program from American Express and collect valuable bonus points with every payment transaction – at no additional cost. One point is credited for every CHF 2 you spend. You can exchange your points for a wide range of rewards, and at some stores you can even use them to make payments.
The following insurance coverage is included with the American Express Card:
- Personal Assistance
- Transport Accident Insurance
- Purchase Protection Insurance
Good to know: As with the American Express BLUE credit card, you can also enjoy additional insurance at a reduced price.
Requirements for securing a credit card
Certain conditions apply to a credit card for university and school students in Switzerland – as is always the case when applying for a credit card. For example, you must be at least 18 years old and have a bank account in Switzerland.
In your application, you must provide information about your financial situation, such as income from a possible part-time job. To be able to get a credit card, your financial situation also has to be stable. Your spending limit is also determined on the basis of this information; this may be somewhat lower for students than it is for people in full-time employment.
Other credit cards from American Express
Along with the two credit cards presented here which are particularly suitable for students, American Express offers additional credit cards with attractive benefits for everyday life and when traveling.
The Gold Card and Platinum Card, for example, have a higher annual fee, but the cards offer many special advantages. People who like to travel frequently, for example, enjoy access to airport lounges, comprehensive insurance coverage and car rental discounts.
The right credit card for students in Switzerland
It’s up to you to decide which credit card is best for you as a student: Both the American Express Card and the BLUE credit card have a low annual fee, allow flexible and secure payments, and make it easy to manage your finances via the Swisscard app.
The option to withdraw cash worldwide also makes the credit cards ideal for students traveling abroad. A variety of insurance packages and a bonus program round off the offer.
The right credit card for your lifestyle
Frequently asked questions and answers
American Express offers two low-cost credit cards that are particularly suitable for students: the American Express Card and the American Express BLUE credit card. Both are very suitable for beginners and offer many benefits despite the low annual fee.
This is possible in principle, but applicants must be at least 18 years old, they also need to have a bank account in Switzerland and their financial situation must be stable.
Students without a fixed income can also obtain a credit card. The applicant’s financial situation is always checked when applying, however, and it is possible that the application will be rejected. In addition, the spending limit is likely to be lower.
