I'm having all sorts of trouble keeping track of our money since moving here as we have bank accounts in two countries, frequent travel abroad and a pay-now-get-reimbursed-later situation with my husband's work travel. One idea that has been suggested to me is that we get a credit card specifically for his work related travel expenses. I have looked at previous threads here and am checking out postfinance, migros/coop and corner bank cards which have been previously recommended. Am also looking at cards connected to the Miles&More frequent travellers club, although they do seem very expensive. I thought it worth checking to see if anyone has discovered a new product more recently or if anyone would like to share any tips for us newbies?

You can look at the cost of credit cards on comparis.ch
Currently postbank are the cheapest.

Postbank CC is 50chf/year and 20chf for the additional card, so it's not the cheapest.


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I came from US, most CC there are annual fee free, and give you something back (like cash). So I would like something "free" to start with, and did some research in Switzerland, and found Migros / Coop are the cheapest ones.

I just applied the Coop card, the advantage you can get Visa and Master from them at the same time. I haven't get approval from them, so I have nothing further to share at the moment.

Ask his employer for one?

Jelmoli Visa Bonus Card is free if you spend over CHF300 a year...

One important factor is how much your husband actually spends on business travel.

Some of the free/low cost options have rather low credit limits which may not be sufficient.
Some cards offer miles, cash refunds or lower/no fees depending on how much you spend.

Why not set up another bank account with credit card? UBS does both Visa and Mastercard and you can get an account in the currency he's likely to use most often. Pay an initial sum into the account for starters and then simply pay his expenses money back into the account when he gets re-imbursed, keping it topped up as needed. You can get UBS's Key Club with it so you earn points which can be spent on all sorts of things.

http://www.ubs.com/ch/en/swissbank/p...ndividual.html

http://www.ubs.com/ch/en/swissbank/private/keyclub.html