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KreditSOS compares over 40 credit cards from various banks and financial institutions. Discover the best cards available and apply online for the one that suits you!
How Credit Cards Work
A credit card is a payment tool that allows you to make purchases both in physical stores and online with ease and without additional costs. Thanks to its simplicity and versatility, it is one of the most widely used payment methods worldwide.
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Beyond shopping, a physical credit card can be used to withdraw cash from ATMs or authorized bank counters, providing an additional option for managing daily payments. Unlike debit or prepaid cards, when using a credit card, funds are not immediately deducted from your bank account or prepaid balance; instead, the charge is recorded later, typically about a month after the transaction. This delayed billing offers short-term credit without interest if the balance is paid in full by the due date.
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With KreditSOS, you can compare the best credit cards available online and identify the one that best meets your needs. Our comparison tool makes it easy to find free credit cards with no annual management fees, helping you save money each month.
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Explore the various offers now and apply conveniently online through the issuer's website!
Top Credit Cards Today
Here are the three best credit cards on the market with no additional fees:
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Simply Smart by BonusCard: No annual fee; standard VISA credit card.
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Migros Cumulus by Migros Bank: No annual fee; standard VISA credit card.
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Manor World by Viseca: No annual fee; standard Mastercard credit card.
Top three most affordable gold credit cards:
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PostFinance Gold: Starting at CHF 100 per year; gold Visa or Mastercard.
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Bonus Gold by BonusCard: Starting at CHF 144 per year; gold Visa or Mastercard.
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TUI Card Gold by BonusCard: Starting at CHF 144 per year; gold Visa.
Note: Always check the specific conditions applied in the pre-contractual documents.
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Compare all Swiss Credit cards on KreditSOS!
Advantages of a Credit Card
A credit card enables you to make 100% secure purchases, even abroad, in any currency. You can spend more than the available balance in your bank account at the time of the transaction, settling the amount by the due date without incurring interest, or repay the total amount in convenient installments.
Typically, credit cards have a monthly spending limit known as a credit limit. This limit is defined during the application process and can sometimes be adjusted through the credit card's app.
With KreditSOS.ch, you can compare the terms offered by many leading Swiss financial institutions and obtain favorable conditions when applying online. Apply now for your credit card online and save!
Types of Cards
Credit cards can be categorized into classic and premium cards, each offering different features. Additionally, there are debit and prepaid credit cards.
Classic Credit Cards
These are the most common type, usually offered upon opening a bank account. They differ based on the payment network but function as a payment tool with deferred billing within defined contractual terms or beyond, subject to interest charges.
Premium Credit Cards
These cards stand out due to additional benefits they offer to the holder. For example, they may provide a higher monthly spending limit, additional insurance for travel or online use, or the ability to accumulate cashback through participation in cashback programs.
Debit Cards
These cards are necessarily linked to a private bank account and allow standard operations such as cash withdrawals or POS payments. Unlike credit cards, where the expenditure is settled later, each transaction with a debit card results in an immediate debit from the account.
The distinctive feature of this type of card is that it is not linked to any bank account but operates through a completely separate management. The holder can reload the prepaid card as needed, but any transaction exceeding the prepaid credit will be declined. They are often used by parents to provide a low-risk tool to their children or during trips abroad.
Credit Card Costs
Credit cards may have varying contractual terms depending on the bank, card type, and payment network.
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Annual Fee: The fixed annual cost charged by the bank for card management (often waived or discounted for the first year with online applications).
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Activation Fee: The expense incurred when the card is issued.
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Withdrawals and Payments: In some cases, a fee is applied for cash withdrawals or payments made in another currency.
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Interest Rates: Calculated in case of installment payments beyond the maximum period for credit repayment.
Our credit card comparison tool will help you identify a free credit card that does not incur any charges if unused for a certain period. By identifying these credit cards, you can ensure savings while maintaining a practical and secure payment method.
Benefits of Using KreditSOS Comparison Tool
By using KreditSOS's offer comparator, you'll quickly and easily find the best solution for you. The advantages of using an online comparator like ours include:
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Time and Money Savings: We compare the best offers for you.
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Transparent Information: All details on costs and services.
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Personalization: Filter options based on your needs.
Frequently Asked Questions About Credit Cards
What are the requirements to obtain a credit card?
Requirements vary by bank, but generally, you must be of legal age, have a regular income, and a good credit history. Some banks may require a security deposit or a credit check.
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What is the difference between a credit card and a debit card?
A credit card allows you to make purchases on credit, with charges billed later. A debit card immediately debits the amount from the associated bank account.
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How are interest charges calculated on credit cards?
Interest is applied only if the balance is not paid in full by the due date. The amount is calculated based on the annual percentage rate (APR) and the outstanding balance.
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What happens if I lose my credit card?
In case of loss or theft, it's crucial to immediately block the card by contacting the bank or issuing institution. Some cards offer fraud protection that limits liability for unauthorized transactions.
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What are the advantages of a credit card over other payment methods?
Credit cards offer several benefits, including the ability to pay in installments, accumulate loyalty points or cashback, obtain travel insurance, and secure online purchases.
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Are there costs associated with using a credit card?
Yes, credit cards may have costs such as annual fees, cash withdrawal fees, foreign currency transaction fees, and interest charges if the balance is not paid in full.
Credit Card Guides
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Gold Cards
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Platinum Cards
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Swiss Card Bonus Programs
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How to Apply for a Card in Switzerland