My New Credit Card Strategy 2022 (incl. Cembra Certo! One review)

Last updated: September 01, 2022

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I’m finally back from vacation so I can start comparing the new credit cards announced by Migros Bank (Cumulus VISA) and Cembra (Certo! One Mastercard World and Certo! Mastercard World).

Because indeed, the transition is not as logical as I would have thought.

For a year, I knew that Migros was going to part ways with Cembra for the management of its Cumulus Mastercard credit card. And for me, Migros was going to continue to offer THE best free credit card in Switzerland, while Cembra was going to continue to offer not so top top services… (remember their old app and website…)

Except I was wrong.

Recap of my 2022 credit card strategy to date (August 2022)

My Swiss credit card “strategy” aims to:

This year 2022 has been marked by a desire to simplify my 5-card system.

Minimalisto actually won the duel with Frugalisto.

I now only have 3 credit cards for all my needs in Switzerland and abroad:

My payment methods in Switzerland in CHF are in order:

  1. American Express Cashback from Swisscard for all our expenses in CHF in order to earn 1% cashback — several hundreds of CHF per year as far as we are concerned
  2. Cumulus Mastercard for all our expenses in CHF when the above Amex Cashback is not accepted. This is in order to earn as much cashback as possible in Cumulus points (CHF 0.01 for CHF 1 spent in Migros stores, and CHF 0.0033 for CHF 1 spent outside Migros)
  3. Free neon Mastercard to pay anywhere in Switzerland where credit cards are not accepted (included in the countryside!)

My method of payment abroad, or in foreign currency, is:

And for my CHF withdrawals, I use:

So that was my Swiss credit card system until today (August 2022).

Oh, Cashback, my dear Cashback 💰

New Cumulus VISA and Cembra Certo credit cards!

I would like to point out that all the Swiss credit cards below from Cembra and Migros Bank are free. No annual fee or anything.

Also, they all offer Apple Pay and Samsung Pay.

Then, my American Express Cashback from Swisscard is accepted at Migros (and all its subsidiaries like melectronics or SportXX), so I was only using my Cembra Cumulus-Mastercard when my American Express wasn’t accepted.

Why two Cembra Certo cards?
By the way, if you're wondering why Cembra released two cards ("Certo! One" and just Certo!), my opinion is that there was a termination agreement with Migros, and that the "Certo!" will disappear in less than a year.

This seems to be confirmed by their FAQ: "To minimize changes for Cumulus-Mastercard customers, you can simply switch to the Certo! Mastercard. The Certo! Mastercard offers all kinds of advantages. Your credit card contract remains unchanged."

Let’s take a look at the advantages of each of the new Cembra Certo! cards and the Cumulus VISA credit card.

New “Certo! Mastercard World” credit card

The new credit card “Certo! Mastercard World” is offered by Cembra. It is only available to former Cumulus-Mastercard customers by Cembra. It is a Mastercard credit card, as its name indicates.

It offers the following cashback benefits:

And it includes the following insurances for free:

New “Certo! One Mastercard World” credit card

The new credit card “Certo! One Mastercard World”* is also offered by Cembra. It is available for all clients residing in Switzerland. It is a Mastercard credit card.

And here are its cashback benefits:

And you get the following insurances for free:

New “Cumulus VISA” credit card at a glance

And finally, here is the new “Cumulus VISA” credit card offered by Migros Bank. It is a VISA credit card.

It offers the following cashback benefits:

And it includes 7 free insurance:

Cumulus and Certo! credit cards comparison summary

Certo! Mastercard WorldCerto! One Mastercard WorldNew Cumulus VISA
1% cashback
Migros, Coop, CFF3 merchants among:
Migros, Coop, CFF, Zalando, SWISS,
Manor, Lidl, Decathlon, Aldi, H&M,
Netflix, Spotify, Airbnb, Booking.com,
Microspot, Digitec Galaxus, Ochsner Sport & Shoes,
Interdiscount, Denner, Landi
Migros
(and 2% cashback the first year)
0.33% cashback
Everywhere elseEverywhere elseEverywhere else
Cashback format
Cash in CHFCash in CHFCumulus points
Insurances included
Travel and shoppingTravel and shoppingTravel, shopping, and cyber

Which is the best Swiss credit card between these 3 news?

‌Certo! Mastercard World or Certo! One Mastercard World?
The “Certo! Mastercard World” (replacing the Cumulus-Mastercard) is less interesting than the “Certo! One Mastercard World “, in terms of choice of shops with 1% cashback, and in terms of included insurances.

‌Certo! One Mastercard World or Cumulus VISA?
Secondly, the new “Cumulus VISA” from Migros is also less interesting than the “Certo! One Mastercard World” from Cembra, because with the Cumulus you get Cumulus points that can only be used at Migros, while with Cembra you get cash back on your credit card bills.

And I’m not talking about the fact that you have more choices of merchants with the Certo! One Mastercard World.

There is indeed cyber insurance in addition to the Cumulus VISA, but that’s not going to tip the balance in my case.


So between these 3 new Swiss credit cards, the Certo! One Mastercard World wins.

I’ll order one right after I finalize this article :)

The Certo! One Mastercard World is the best Swiss credit card (among these 3, but behind the American Express Swisscard Cashback)

My new Swiss credit card strategy from August 2022

Here’s how this new Certo! One Mastercard World will fit into my Mustachian credit card strategy:

My payment methods in Switzerland in CHF will be in order:

  1. American Express Cashback from Swisscard for all our expenses in CHF in order to earn 1% cashback — several hundred CHF per year for us
  2. 🆕 Certo! One Mastercard World for all our expenses in CHF when the above Amex Cashback is not accepted. And this, in order to earn as much cashback as possible (CHF 0.01 for CHF 1 spent at Galaxus Digitec, Lidl, and Aldi, and CHF 0.0033 for CHF 1 spent everywhere else)
  3. Free neon Mastercard to pay anywhere in Switzerland where credit cards are not accepted (including the countryside!)

My payment method abroad, or in foreign currency, will remain:

And for my CHF withdrawals:

Choice of my 3 Certo! One card merchants

In the end, this change from the Cumulus-Mastercard to the Certo! One won’t change much on our cashback; except that we’ll get it in cash instead of Cumulus points.

Indeed, when I checked the list of the Certo! One, I realized that only at Lidl, Aldi, Digitec Galaxus, Denner, and Landi I can’t earn 1% cashback with my Swisscard Cashback, because they don’t accept American Express.

This is still better than the Cumulus VISA which only pays 1% cashback at Migros.

So, our MP family will choose these 3 merchants to start receiving 1% cashback with our new Certo! One Mastercard World credit card:

Conclusion

Therefore, the new strategy for the best credit card in Switzerland as of September 2022 for the MP family will consist of 3 credit cards:

  1. American Express Swisscard Cashback
  2. Certo! One Mastercard World
  3. neon Mastercard

Order my new free Swiss credit card Cembra Certo! One Mastercard World

Welcome promo codes

The blog offers you the following welcome coupon codes for each card:

Promo code Swisscard Cashback American Express

Promo code Certo! One Mastercard World

Promo code neon


Pro tip: don’t forget to combine all this with the Rabattcorner system to maximize your cashback on all your purchases ;) (all the detailed information in this article)


And you, which Swiss credit cards did you choose?

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