When choosing a credit card, individual needs are decisive. Since the old Cumulus credit card has been abolished, some people currently have to deal with the choice of a new offer.
In this article, we compare two popular Swiss credit cards to help you decide: The Cumulus Visa and the Certo One Mastercard World.
Certo vs Cumulus: Which is better?
Certo Mastercard: The Highlights
- Cashback: With the Certo credit card, you receive 1% cashback at your three favorite merchants and 0.33% at all others.
- No annual fee: There is no annual fee, which is unusual for credit cards with similar cashback programs.
- Insurance: The card includes purchase insurance and a best-price guarantee, but no travel insurance.
- Refer a friend: You receive CHF 50 for every successful referral.
- Foreign currency fee: At 1.5%, this is below average.
- Additional cards: Free of charge for household members.
- Design: Customizable card image and made from 100% recycled plastic.
Read our review of the Certo credit card for a comprehensive picture of the pros and cons.
Conclusion on the Certo One card
The Certo credit card is an all-rounder with an attractive cashback system and a range of insurances that offer added value, especially for online purchases.
Migros Cumulus: The Highlights
- Free of charge: No annual fee and up to three free additional cards.
- Cumulus points: Collect points with every purchase, which are converted into vouchers.
- Foreign currency fee: No fees for foreign currency transactions.
- Cash withdrawals: Free cash withdrawals at Migros checkouts.
- App functions: Fully digital and extremely fast credit card application, transparency on spending, and secure online payment options.
Read our review of the Migros credit card for a comprehensive picture of the pros and cons.
Conclusion on the Cumulus
The Cumulus credit card is particularly attractive to Migros customers. It is the most welcomed payment method at Migros, earning two points per franc on each purchase in the first year. It also has no foreign currency fees, making it an excellent choice for travelers.
Direct Comparison: Certo vs Cumulus
There is no clear answer as to which card is better. The Certo card is ideal for people who want to benefit from cashback, while the Cumulus card is ideal for Migros customers and frequent travelers. Both cards have their advantages.
The costs and benefits are very comparable, so you can confidently decide according to your gut feeling.
Here is a direct comparison of all costs in table form:
|Certo! One Mastercard World
|Migros Cumulus credit card
|Annual fee main card
|Lottery, betting, and casino transactions
|Own card image (per design)
|Free of charge (first order) / CHF 20 (change/re-order)
|Annual interest for partial payment
|Cash withdrawal in CHF in Switzerland/FL
|3.75%, min. CHF 10.-
|Free of charge at Migros / 2.5%, minimum CHF 5
|Cash withdrawal in EUR in Switzerland/FL
|3.75%, min. CHF 10
|2.5%, minimum CHF 5
|Cash withdrawals abroad
|3.75%, min. CHF 10
|Two withdrawals per year up to CHF 500 each free of charge, thereafter 2.5%, minimum CHF 10
|Lottery, betting and casino transactions
|Foreign currency processing fee
|Transactions in CHF abroad
|Additional copies of monthly statement
|Fee for rejection of direct debits
|Deposits at the post office counter
|Fee for monthly statement in paper form
|Telephone service for administrative services
|CHF 0.08 per minute
|1% cashback with three retailers, 0.33% otherwise
|Cumulus points with every purchase
|Around 80 million worldwide
|Around 80 million worldwide
|+41 44 439 54 50
|+41 58 234 50 50
|Direct debit (LSV)
|Integration in mobile wallets
|SMS service fee
|CHF 0.50 per SMS
Cumulus vs Certo – Conclusion 🎓
The decision between the Certo One Mastercard World and the Migros Cumulus credit card depends heavily on your personal needs and shopping habits.
The Certo credit card offers an attractive cashback program and a variety of insurances, which are particularly advantageous for online purchases, as well as the option to refer friends, which can earn you money.
On the other side of the Certo vs Cumulus equation, there is the Cumulus credit card, which is particularly attractive for Migros customers with its points collection options and no fees for foreign currency transactions and cash withdrawals at Migros checkouts. It is also very easy and user-friendly to get with its digital application.
Both cards have no annual fee and are accepted worldwide. There are some differences in costs, such as for cash withdrawals or foreign currency fees, which could be relevant for travelers or frequent users of cash withdrawals.
Ultimately, both Cumulus and Certo can be characterized as the “better” choice, as they both have their specific strengths. It is advisable to consider your individual habits and decide on that basis, or simply go with your gut feeling when choosing between these two options.