Hello everyone I would like to apply for a credit card, but I don't quite understand the difference yet. I have read that you can only have Visa free if you have a transaction account with Migros Bank, and that you can always apply for a Cumulus credit card. My question now is, which is better and what is different in terms of benefits if I can apply for both? Thank you very much for your help!
6 months ago
Edited
I applied for the Visa free at the time. As I hadn't even received a confirmation of receipt after a month, I then also applied for the Cumulus credit card and received it immediately. I then also received the Visa free. However, as I never used it, Migros Bank wrote to me that the card would be canceled without my confirmation, which is what happened. Conclusion from my point of view: You can safely forget about the Visa free. Or you can take the Visa free and forget about the Cumulus credit card. Isch Hans was Heiri, say we Bernese. Why Migros offers two different credit cards at all is still a mystery to me.
6 months ago
Edited
Hello kaede Thank you for your question. Both cards are free and you can benefit from the Cumulus program with both. The benefits and conditions are identical. As you already suspected, the only difference is that the Cumulus credit card can also be applied for by non-Migros Bank customers. I hope this helps you! Best regards, Marc
2 months ago
Edited
I would just like to say: Hands off VISA Free. It's not free, there are additional costs of all kinds, purchases abroad are horrendously expensive and they obviously don't have their billing under control. I received a reminder for CHF 780, even though most of the items were debited to my Migros account, quite arbitrarily.
