Coop Supercard Credit Card Experiences and Review 2026

The Coop Supercard credit card is one of the best-known free credit cards in Switzerland. The card has no annual fee and makes it easy to earn Coop Superpoints. At Coop and its partners, you earn 1 point per franc; outside the Coop network, you earn 1 point for every 3 francs spent. As of May 2026, the separate foreign currency fee has been eliminated; however, the exchange rate used includes a surcharge, meaning that international payments are still not free.

Among the biggest drawbacks are this exchange rate markup, the low points return outside of Coop, and high fees for cash withdrawals. The credit limit ranges from CHF 1,000 to CHF 10,000, depending on creditworthiness.

The Supercard is available as a Mastercard, Visa, and Visa Prepaid card, which differ only slightly from one another. Overall, customer experiences are positive, though criticism is directed primarily at the app, customer service, and the comparatively low rewards outside the Coop ecosystem.

Overall, the Coop Supercard credit card is best suited for regular Coop customers, but more attractive alternatives are available for higher cashback returns or frequent use abroad.

How to apply for the Coop Supercard credit card?

The Coop Supercard is issued by TopCard Service AG, a subsidiary of UBS. Coop itself is “only” the brand partner. All customer service, billing, and exchange rates are handled by TopCard (or UBS), not by Coop.

You can apply online using the application form, and there is no fee. The process is as follows.

1. Fill out the application form (provide personal information, address, and income)
2. Verify your identity via video identification on your smartphone (or at a post office)
3. Wait for the issuer to complete the credit check
4. Once approved, the physical card will be mailed and should arrive within about 7 business days.

The following are the requirements for the application.

• Minimum age: 18 years
• Residence in Switzerland or Liechtenstein
• A Swiss bank account (IBAN)
• Valid passport or ID card (non-Swiss applicants must also provide the foreigner’s identity card)

What are the biggest benefits of the Supercard credit card?

The biggest benefits of the Supercard credit card are that it’s free, that you can easily earn Coop Superpoints with it, and that it has no foreign currency fees.

1. Free credit card and supplementary cards 💳

The Supercard credit card has no annual fee, neither in the first year nor thereafter. Considering that many Swiss credit cards charge annual fees ranging from about 60 to 400 francs, this is already the first major advantage.

You can also get a free supplementary card for a partner or family members, so that several people in the household can collect points together. The minimum age to use a supplementary card is 16.

2. Coop Superpoints 🟠

The card’s unique selling point is its integration with Coop’s Superpoints program. Here’s how you earn points.

• At Coop and Coop partner companies: 1 Superpoint per CHF 1 spent.
• Everywhere else in Switzerland and abroad: 1 Superpoint per CHF 3 spent using the card.

The following image shows Coop’s Superpoints partner companies.

One Superpoint is worth about 1 rappen (100 points = CHF 1). The points are credited to your Superpoints account, just like with the regular Coop loyalty card. You can redeem them in the rewards shop, as Coop store credit, for travel, or with Miles & More (1 mile per 2 Superpoints).

3. No foreign currency fee 💰

Since May 2026, the Supercard has waived the separate processing fee for foreign currencies used abroad. At first glance, this makes the card much more suitable for travel. Upon closer inspection, however, this needs to be put into perspective; more on this later in the article.

What other benefits does the Coop card offer?

Other benefits of the Coop credit card include free insurance coverage and payment and security features.

1. Insurance 📜

The credit card (excluding prepaid card) includes the following travel benefits package.

• Free travel accident and flight accident insurance for the whole family worldwide.
• Benefits in the event of death or disability up to CHF 300,000.
• Rescue, search, and repatriation costs up to CHF 60,000.
• Travel advice and assistance (24-hour phone service).
• 15% discount on car rentals with Europcar.
• 5% discount at AirportParking.ch at Swiss airports.

Please note that travel insurance of this type only applies if a significant portion of the travel costs was paid with the card. For travel accident and flight accident insurance, the full amount must have been paid with the card; for car rentals, at least 50%.

2. Mobile Payments and Security 📱

In terms of payment and security features, the card meets current standards with the following capabilities.

• Mobile payments with Apple Pay, Google Pay, Samsung Pay, Garmin Pay, and SwatchPAY!
• Contactless payments at terminals
• Secure online shopping with 3-D Secure
• Free push, SMS, or email notifications for all card transactions
• Management via the TopCard Mobile app and the online portal (card details, PIN, limits, statements, card blocking)

What are the disadvantages of the Supercard credit card?

The disadvantages of the Supercard credit card are the hidden foreign exchange surcharge, the relatively low return on Superpoints, and the high cost of cash withdrawals.

1. Hidden exchange rate markup ⏳

Unfortunately, “no foreign currency fee” does not mean “free abroad.” While the Coop Supercard no longer charges a separate fee for foreign currencies, the markup is built into the exchange rate itself. TopCard settles transactions at the UBS foreign exchange selling rate, which includes a markup. UBS does not transparently publish this rate as historical data, making it nearly impossible to verify the actual costs.

CHF transactions abroad incur a 1.5% processing fee. Note that this also applies to online purchases and subscriptions if the payment is processed internationally. For this reason, you should pay in the local currency despite the exchange rate markup.

2. Modest points return 📉

For purchases made outside the Coop network, 1 point per CHF 3 corresponds to a cashback rate of 0.33%. While you earn more on purchases at Coop, you’d already receive this with the standard Supercard loyalty card. You could earn the points with the loyalty card and still pay with a different credit card. Other credit cards effectively offer a cashback rate of up to 1%. If this is an important factor for you, we’ll discuss the alternatives further below.

3. Expensive Cash Withdrawals 💵

As with most credit cards, you should avoid withdrawing cash from ATMs if possible. With the Supercard, it costs 3.75% of the amount withdrawn, with a minimum fee of CHF 5 in Switzerland and CHF 10 abroad.

How high are the fees of the Coop Supercard?

The following table summarizes the fees of the Coop Supercard credit card. Any differences for the prepaid card are noted.

Fictitious usage example of the Coop credit card

The following is a fictitious example to illustrate the everyday use of the Coop Supercard credit card.

Sandra is a mother who does most of her weekly grocery shopping at Coop. After comparing different cards, she decides on the Supercard credit card.

First steps: Sandra fills out the application online and verifies her identity via video ID. A little over a week later, the Mastercard arrives in her mailbox. She adds it to Apple Pay right away.

Shopping and earning points: At Coop, Sandra pays with her phone, shows her Supercard, and earns 1 point per franc. Her online purchases, Netflix subscription, and gas purchases are also charged to the card.

While traveling: During her summer vacation, Sandra consistently pays in euros instead of francs, thereby avoiding the 1.5% surcharge. She’s aware that the UBS exchange rate includes a markup, but she’s willing to accept that for occasional vacations.

Security: Through the TopCard app, she keeps track of her transactions and spending limits and can immediately block the card if it’s lost.

In numbers: Let’s say Sandra spends CHF 700 per month at Coop and CHF 500 elsewhere. Over the course of a year, that adds up to 8,400 points at Coop (CHF 84) plus 2,000 points elsewhere (CHF 20). For a zero annual fee card, that’s a nice little bonus.

What is the spending limit for the Coop Supercard?

The maximum spending limit for the Coop Supercard credit card ranges from CHF 1,000 to CHF 10,000. The actual amount depends on your income and creditworthiness. For the prepaid card, the limit is your current balance (max. CHF 10,000).

To increase the limit, you can either use the online option or mail the form “Antrag zur Änderung der Ausgabenlimite” to the following address.

TopCard Service AG
Supercard
Flughofstrasse 35
Postfach
CH-8152 Glattbrugg
Tel. 044 828 30 00

Supercard versions: credit or prepaid card, Visa or Mastercard?

When placing your order, you have three options to choose from: Mastercard, Visa, and Visa Prepaid. The following list provides a brief summary of each option.

• Supercard Mastercard: Classic credit card with optional installment payments. The only real added value compared to the Visa is access to Priceless® Cities (promotional offers).
• Supercard Visa: Functionally almost identical to the Mastercard, but via the Visa network.
• Supercard Visa Prepaid: Since payments are made only with the loaded balance, no credit check is required, and there is no risk of excessive debt. However, this comes with a top-up fee (1%) and no insurance benefits.
• Supercard Loyalty Card (Customer Card): Not a payment card, solely for earning points.

The choice between Visa and Mastercard is largely a matter of personal preference. Both are accepted in over 200 countries. With the Visa Prepaid card, you can top up your balance via online banking using a bank transfer. You can also top up the prepaid card at Coop checkout counters, but only up to a maximum of CHF 1,000 per day.

What do customers say about their Supercard experiences?

Customer experiences with the Coop Supercard credit card are mostly positive. The effortless points-earning feature is particularly praised. You don’t have to activate anything; just make a purchase and redeem the Superpoints for Coop credit later. Recent reports explicitly cite the elimination of the separate foreign currency fee as a reason to now use the card abroad as well.

There are three main criticisms of the Coop credit card. First, the points return: The roughly 0.33% on non-Coop purchases is repeatedly cited in forums as too low. Those who spend a lot outside of Coop are more likely to look for a true cashback card. Second, the TopCard app and digital processes: Users report cumbersome eBill/e-invoice handling (monthly logins, tedious transfer of data to the banking app), and in some cases even apps that have been temporarily blocked. Third, customer service: Critics point to a hotline that is only available for a fee and the lack of a simple email contact option, which is why certain issues (such as setting up direct debit) must be handled by mail.

During the transition from the old Swisscard solution to the TopCard solution between 2018 and 2020, the hurdles involved in the switch led to dissatisfaction among many Supercard customers. However, this is now a thing of the past and no longer relevant for new customers.

What are alternatives to the Coop Supercard credit card?

The Supercard credit card is particularly worthwhile for loyal Coop customers looking for a free domestic card. However, with a little more effort, you could also earn Superpoints using the standard Supercard loyalty card, so depending on your profile, there are better options. Our credit card comparison for Switzerland, sorted by user category, provides a complete overview. The most important alternatives are as follows.

• Migros Cumulus Credit Card: This is Migros’ direct competitor to the Coop credit card and offers similar benefits. Take a look at our article on the credit cards of Migros vs. Coop (only available in German) to compare the two.
• Swisscard Cashback Credit Cards (Duo): Free, with cashback (0.25%–1%) instead of points.
• Certo One Mastercard: Free, with real cashback (1% at three select favorite retailers, including Coop).

It’s perfectly legitimate (and recommended) to combine multiple cards, such as the Supercard for collecting Superpoints and a pure cashback card for everything else.

Conclusion of the review and opinion

👍 The Supercard credit card is permanently free (no annual fee), including a free supplementary card. For loyal Coop customers, the biggest advantage is the ease of earning points for the Superpoints program.

👍 With the elimination of the separate foreign currency fee (effective May 2026), solid travel and flight accident insurance, and modern mobile payment options, the overall package is attractive for a free card.

👎 In my opinion, the biggest drawback is the exchange rate markup, which puts the “no foreign currency fee” claim into perspective. The points return of the equivalent of 0.33% on non-Coop purchases is also modest. There is recurring criticism of the app and customer service.

For regular Coop customers, the Supercard credit card is an obvious choice for a free card. If you want maximum cashback or travel abroad frequently, I think you should compare it with the alternatives mentioned above or combine it strategically.