Cumulus points are also available at the Coop

Cumulus-Punkte gibt's auch im Coop

Guest

13 years ago

Hey, here's a little tip on how to collect more Cumulus points when shopping:
For example, you buy a lawnmower at Coop Bau&Hobby and pay with your Cumulus Mastercard (from GE Money Bank)! That gives you 1 point for every CHF 2 spent.
The young gentleman at the Coop checkout did react a little confused when I thanked him for the Cumulus points. Of course, you can also do this at apple.com or in the Bally store ...

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All replies (9)

Guest

13 years ago

I see it differently! - The point per 2 Fr turnover corresponds to the bonus system of 0.5% with other credit card providers, some of which are also credited in cash (Postdinance). Migros finances the costs for the GE-Money credit card with the 1 point per 1 Fr Migros turnover, which is why GE-Money does not credit any additional points for Migros products.

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Guest

13 years ago

Have I got this completely wrong? Have a look here: http: //www.migros.ch/cumulus/de/cumulus-mastercard/punkte-sammeln.html
Of course other credit cards also have (good) bonus systems (as well as corresponding annual and other fees).
I just find it amusing that you get Cumulus points even when shopping at the Coop, and if you then pull out a Supercard, you also get Superpoints for the same purchase ...
Whether you get 1 or 1.5 Cumulus points for every CHF 1 spent when shopping at Migros (show your Cumulus card plus pay with your Cumulus Mastercard) would have to be clarified or tested in an experiment ...

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Guest

13 years ago

As far as Cumulus is concerned, my motto is "Don't look a gift horse in the mouth" - I've noticed this with my few bonus points at the Migros cooperatives. I only have points listed there if I shop on Thursdays as an exception...

So first you have purchases at Migros, Ex Libris and le store for a certain amount of francs = rounded up to the next franc amount gives you the number of Cumulus points. These come from (are donated by) Migros.

Then there are bonus points from Migros = if I shop on Thursdays, Migros, migrolino, then further from
Migrol (e.g. for a tank revision of CHF 1030 = 515 points, paid in by bank transfer), but strangely enough I only get between 19 and 24 points per tank of fuel, which is always between 70 and 80 francs, i.e. the credit is 1 Cumulus for every 4 francs spent on fuel.
Then further from
GE Money Bank 1 Cumulus point for every 2 francs spent, and only for products that are NOT from Migros, I have roughly calculated this. But it is also obvious to me because I mainly use this KK for Migros products and the points credit from GE Money Bank should be much higher for the total invoice amount.
Conclusion: GE Money gives Cumulus for NON-Migros sales (which applies to the Coop lawnmower) - but not for Migros sales - a completely normal bonus system. These bonus points come from the separate companies (at least that's how Migrol communicated the 515 points to me.
The assumption now is that the Cumulus Credit Card (which is free) is financed by Migros sales (where there is no bonus from GE Money).

In this case, Migros also offers a sales bonus and points are carried over from the previous month or to the following month.

For infrequent users, the Cumulus Credit Card is worthwhile compared to other bonus providers. But I think with an annual turnover of CHF 25,000 or more, you have to calculate the various bonus systems.

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Guest

12 years ago

I don't have a Cumulus Master Card. If I understand the advertising text for this card correctly, you would no longer have to show your normal Cumulus card in Migros if you use the Cumulus Master Card, as the corresponding code is included on this payment card. When using the Cumulus Master Card, you will therefore NOT receive MORE points when shopping at Migros and other Migros establishments than when using the normal Cumulus card. On the other hand, the Cumulus Master Card earns you additional Cumulus points when you pay with it in non-Migros stores and, as described by user Andy71, you can benefit from two bonus programs if the store offers its own bonus system.

So if you have a second credit card with a bonus program, you should preferably NOT pay with the Cumulus Master Card at Migros, but with the other card and show the normal Cumulus card. In this way, you can also benefit from two loyalty programs when paying at Migros.

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Guest

12 years ago

@deactivated user
-- When paying with the Cumulus Mastercard, you must always present the card for scanning before the payment process, the Cumulus barcode is only printed on the back, directly below the security code of the Mastercard.... ! If the Migros staff weren't so honest, you could even call this a security leak (never hand over your card). So the whole thing has the same effect as if I stick my own barcode sticker on a Supercard Plus (Mastercard) in a suitable place (I would choose the front anyway because of the security code, top right, possibly slightly cut in height).
GE-Money's bonus program is not unusual - others like Postfinance do it with a semi-annual cashback of o.5% - the unusual thing is that GE-Money ONLY rewards third-party purchases. But let me put it casually: the Migros purchases are used to finance the (free) credit card itself. To be fair, however, the same must be said of the Supercard Plus (Mastercard) - simply the other way round!
I therefore have no qualms about paying for even small purchases with the Cumulus credit card at Migros, although of course I do notice that the staff at the restaurant checkout then make notes on a sheet of paper .... ;-)
Since Coop also favours third-party purchases according to the same pattern (1P/3Fr there), you could now come up with an "optimization idea" and pay with the "competitor credit card" and also show your "own" Supercard/Cumuluscard.....
But I don't do that, just as I wouldn't shop on Thursday because of the extra Cumulus point... otherwise the same thing will happen to me with all this card confusion as happened last Sunday in the Coop restaurant when I held the Cumulus card up to the infrared device and there was simply no beep....

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Jeanne64

12 years ago

Hiiiihelp, life has become so complicated! In the old days, there were still those discount markets, collection points for a new scooter, for books, etc., but that was probably also a challenge in those days.

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pwilms

12 years ago

I have a Cumulus card, a Superkarte, a CumulusKK and a SuperplusKK.
When I shop at the Coop, I show the Super card and pay with the CumulusKK. This gives me Super points (1:1) and 1 Cumulus point for every 2 francs.
When I shop at Migros, I show my Cumulus card and pay with my SuperplusKK. This gives me Cumulus points (1:1) and 1 Superpoint for every 3 francs.
This way, the points on both accounts add up with every purchase.

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stegi4rex

12 years ago

Exactly as pwilms reported, I have been doing this consistently since the introduction of the two credit cards. As I am a customer of both Migros and Coop, the reciprocal use of the "other's" card when paying is definitely a "gift". As I co-finance the loyalty programs via my sales anyway, this "cashback" is absolutely justified if I use the card benefits consistently.

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Guest

12 years ago

As a customer, I couldn't really care less who pays what. But I hardly believe that Migros pays the Cumulus points for Coop or Apple purchases out of its own pocket, as they make zero turnover with them. However, GE money bank does, namely through the fees they impose on retailers. So I think it's more likely that GE is also financing (at least part of) the Cumulus points. Maybe they have a special deal that the fee for credit card payments in their own stores is not as high as usual.

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