Credit card for students in Switzerland
Find out what makes the American Express credit cards for students in Switzerland so special.
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Everything You Need to Know at a Glance
Credit cards offer financial flexibility for students in Switzerland and must be tailored to a limited budget. The American Express Card is particularly well-suited for this purpose, as it is free for the first year and offers attractive benefits such as a membership rewards bonus program (Membership Rewards) and built-in insurance. To qualify, you must be of legal age, have a Swiss bank account, and be in a stable financial situation. You can conveniently manage your account via the app, and mobile payment and global cash withdrawals are also available.
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 Card is particularly well-suited as a credit card for students in Switzerland.
Among other things, the card offers these benefits:
- 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
In general, it’s worth comparing credit cards for students. That way, you can find the card that best suits you and your lifestyle.
American Express Card for Students: Low Annual Fee, Solid Benefits
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 American Express Card also includes the following insurance coverage:
- Personal Assistance
- Transport Accident Insurance
- Purchase Protection Insurance
Good to know: You have the option to purchase additional insurance coverage at a discounted rate.
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
In addition to the American Express Card, which is particularly well-suited for students, American Express offers other credit cards that provide attractive benefits for everyday life and travel.
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
You decide for yourself which credit card is best for you as a student. With American Express, the American Express Card has a low annual fee, enables flexible and secure payments, and makes 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.
Frequently asked questions and answers
American Express offers an affordable credit card that’s particularly well-suited for students: the American Express Card. It’s a great choice for beginners and offers many practical benefits at an affordable 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.
