Coop Supercard credit card review
Coop Supercard credit card review
Costs, foreign fees, Superpoints cashback and my voucher code for 1’500 bonus points
Updated on 13 November 2026 · Reading time approx. 8 minutes · by Helga Baechler, certified wealth advisor IAF
The Coop Supercard credit card is one of the best-known and most widely used free credit cards in Switzerland. It combines a free credit card with the simple Coop Superpoints cashback system.
In this 2026 review you will learn how the card works, how much you can really save and who it is especially worth it for. For me, the Coop credit card is clearly my favourite card.
Is the Coop Supercard credit card worth it?
For me yes, especially if you shop at Coop regularly. The card has no annual fee, and since 12 May 2026 there is no longer a processing fee on payments in foreign currencies.
With every payment you collect Superpoints, 1 point per CHF 1 at Coop and partners and 1 point per CHF 3 for all other spending. With the code liebefinanzen you also get 1’500 Superpoints as a welcome bonus.
Coop Supercard voucher code 1’500 Superpoints when you open a new card. Apply now →
News from 12 May 2026
The foreign fee has been abolished. Thanks to the new 0% foreign transaction fee, I use the card consistently in Switzerland and abroad. That way I collect Superpoints all the time, which I later exchange for Coop credit and use to shop for free.
How the Coop Supercard compares with Migros Cumulus, Swisscard and others is shown in my comparison Best credit card in Switzerland 2026 (in German).
Coop Supercard credit card: key facts at a glance
The Coop Supercard credit card is a Coop product issued by TopCard Service AG, a subsidiary of UBS Switzerland AG.
Card
- CHF 0 annual fee
- New in 2026 with 0% foreign currency processing fee
- Superpoints with every payment worldwide
- Visa, Mastercard or prepaid available
- Accepted worldwide in millions of shops
- Valid worldwide, also for car rentals and taxis
Insurance and extras
- Free travel and flight accident insurance for the whole family
- Up to CHF 60’000 for rescue and recovery
- No extra contract, no surcharge
- 5% discount on airport parking at Swiss airports
New in 2026: no more foreign fee
A highlight of the Coop Supercard credit card in 2026 is the removal of the separate foreign currency fee. In concrete terms this means the following.
- No extra fee: Payments in foreign currencies no longer incur an additional processing fee.
- Conversion: It is done at the card network’s rate, a margin usual in the industry is possible.
- CHF payments abroad: A 1.5% surcharge applies here. So always pay in the local currency to avoid it.
This makes the card much more versatile than before. While it used to be mainly for Switzerland, today it also works well internationally.
Good to know
The exchange rate can differ slightly from the reference rate. This is usual in the industry.
Coop Superpoints voucher: liebefinanzen
Also known as Coop Supercard credit card voucher code or promotion code. Are you looking for a current Coop Superpoints voucher for the Coop credit card?
Right now, with the voucher code liebefinanzen you get a full 1’500 bonus Superpoints when you open your Coop credit card.
Coop credit card voucher 2026, how to get your 1’500 Superpoints
Apply for the credit card. Apply for the Coop Supercard credit card via the link on liebefinanzen.ch.
Enter the voucher code. When opening the account, enter the voucher or promotion code liebefinanzen.
Receive the bonus. After your account has been opened successfully, 1’500 Coop Superpoints are credited to you.
The bonus only applies when you open a new Coop credit card. It is ideal for anyone who wants to collect extra points while shopping every day.
Coop Supercard credit card
+1’500Superpoints for free with code liebefinanzen
- Valid when opening a new Coop credit card
- Bonus after successful account opening
- No annual fee, 0% foreign fee
*Advertising, affiliate link. This costs you nothing extra.
Flexible payments in everyday life and when travelling
With the Coop Supercard credit card you can pay practically everywhere. As a Visa or Mastercard it is accepted by millions of merchants worldwide. For you this means the following.
- Paying in shops, restaurants and hotels worldwide
- Online shopping with international providers
- Use on platforms such as Booking.com or PayPal
- Contactless payment and mobile payment
You can withdraw cash at ATMs worldwide, but because of the fees I do not really recommend it.
Practical tip abroad
Always pay in the local currency, for example EUR or USD. Do not choose CHF abroad.
Highlight: cashback with Superpoints
The real reason I love this card is the cashback system. You do not have to activate or remember anything, you simply pay and collect Coop Superpoints.
How the cashback system works
You collect points with every payment. At Coop and partners you need to show the Datamatrix, the square code in your app or on your card that is scanned at the checkout.
Why the cashback system is so strong
Many credit cards have complicated bonus programmes. Here it is the opposite. The system is simple and that is exactly why it works. This makes the difference.
- No minimum spending
- No categories or activations
- Collect Coop points abroad too
- Direct value in everyday life
- Well-known Coop Superpoints system
Practical examples: this much cashback is realistic
To make the value tangible, here are typical everyday scenarios.
| Scenario | Spending | Superpoints |
|---|---|---|
| Weekly shop at Coop | CHF 150 | 150 Superpoints |
| Online shopping or travel at Booking.com | CHF 300 | 100 Superpoints |
| Monthly spending, e.g. restaurants or streaming | CHF 1’000 | approx. 330 Superpoints |
The best shops for collecting points
The full potential comes at Coop and partners, where the best ratio applies (CHF 1 = 1 Superpoint). That is why it pays to use these shops deliberately.
| Area | Partners |
|---|---|
| Everyday | Coop, Coop City, Coop Pronto, Coop restaurants |
| Larger purchases | Interdiscount (electronics), Fust (household), Livique and Lumimart (furniture) |
| Lifestyle and gifts | Import Parfümerie, Christ |
| Travel and services | ITS Coop Travel, discounts at Europcar |
In everyday life you collect most points at Coop itself. Regular shopping automatically generates lots of points without extra effort. With larger purchases, single items quickly earn you many points.
At partners
maximum cashback- CHF 1 = 1 Superpoint
- Coop, Interdiscount, Fust and more
At all other shops
reduced cashback- CHF 3 = 1 Superpoint
- Worldwide with every card payment
If you deliberately focus your shopping on these partners, your cashback increases and you get to free shopping faster.
More tricks for collecting points, including activation codes and regional vouchers, are in my article Collecting Coop Superpoints, my tricks (in German).
Redeeming points: how you save in everyday life
Redeeming is easy and a big advantage of the card. This is how it works.
The amount is deducted directly from your purchase. In practice this means you regularly shop for free, often 1 to 2 purchases a month worth CHF 30 to 50. Many people use the points specifically for extras or high-quality products.
Benefits of the Coop Supercard credit card
The combination of simplicity and value makes the card especially strong in everyday life.
- No annual fee
- No additional processing fee on payments in foreign currencies
- Simple cashback system in the Coop universe
- Points with every payment worldwide
- Accepted worldwide
- Free insurance
- Discounts at partners such as Europcar
- Modern app with full control
- Pay with Samsung Pay, Apple Pay, Google Pay, Garmin Pay and SwatchPAY!
Coop Supercard credit card: costs and fees
Even though the card is free, there are a few things to bear in mind.
| Service | Cost |
|---|---|
| Annual fee | CHF 0 |
| Use abroad | 0 % |
| Cash withdrawal | 3.75 % |
| Paper invoice | CHF 1.95 |
| Replacement card | CHF 20 |
My most important tip
- Always pay the invoice in full
- Avoid partial payments, otherwise you pay interest
Who is the Coop Supercard credit card worth it for?
Suitable for
- People who shop at Coop regularly
- Anyone looking for a free credit card
- Cashback fans who want to collect without effort
- People who also want to pay abroad
Less suitable for
- Anyone who withdraws a lot of cash
- People who prefer direct cashback in CHF
Conclusion: the best free credit card in Switzerland
The Coop Supercard credit card convinces with a clear concept. It is free, simple and rewarding. The cashback system is not complicated but works in everyday life, and that is exactly what makes the difference.
With the abolition of the foreign transaction fee it is now not only a strong card for Switzerland but also suitable for travel and international payments. If you use the card regularly and redeem the points consistently, you can save noticeable money every year without extra effort.
My experience
I use the free credit card several times a week and have done so for many years. For me, the biggest plus is that I collect Superpoints. I try to avoid the expensive services of the card such as withdrawing cash. That way I can make the most of the benefits for free.
I love being able to shop for free in the store thanks to the redeemed points on the digital payment card.
Of course you should handle credit cards sensibly and not run up debt. Always pay all invoices on time!
When you submit your credit card application, do not forget to use the voucher code liebefinanzen and collect 1’500 Superpoints as a welcome bonus!
What are your experiences with the Coop Supercard credit card? Do you love collecting Superpoints as much as I do, and what do you treat yourself to with the extra points?
Coop Supercard credit card
+1’500Superpoints for free with code liebefinanzen
- Valid when opening a new Coop credit card
- Bonus after successful account opening
- No annual fee, 0% foreign fee
*Advertising, affiliate link. This costs you nothing extra.
Frequently asked questions about the Coop Supercard credit card
Who issues the Coop Supercard credit card?
The Coop Supercard credit card is a Coop product issued by TopCard Service AG, a subsidiary of UBS Switzerland AG.
How do I collect Superpoints with the Coop Supercard credit card?
Completely automatically with every payment. You get 1 Superpoint per CHF 1 at Coop and partners and 1 Superpoint per CHF 3 for all other spending. You do not need to activate anything.
Is the Coop Supercard credit card really free?
Yes, there is no annual fee. Costs only apply to individual services, for example 3.75% for cash withdrawals or CHF 1.95 for a paper invoice.
Can I pay with it worldwide?
Yes, the card can be used internationally.
Is there really no foreign transaction fee any more?
Yes, since 12 May 2026 it is 0%. If you pay in CHF abroad, a 1.5% surcharge applies, so it pays to pay in the local currency.
How much are 100 Superpoints worth?
100 Superpoints are worth CHF 1. You convert them into shopping credit in the Coop app, for example 1’000 points into CHF 10.
Is there a voucher code for the Coop Supercard credit card?
Yes, with the code liebefinanzen you get 1’500 Superpoints when you open a new Coop credit card. The bonus is credited after successful account opening.
Read more
*Advertising. Transparency: this article was written in cooperation with Coop and contains affiliate links. This costs you nothing extra. Information on fees and conditions without guarantee.
