Cumulus vs Supercard: Which Swiss Loyalty Program Is Actually Worth It?

Nearly every adult in Switzerland carries at least one of the two cards. Cumulus in the Migros wallet, Supercard for Coop. Both are free, both return roughly 1% on base purchases, and from the outside they look almost interchangeable. But the way points are cashed in, the partner network where you collect them, and especially the personalised promotions are deeply different. This page compares the two programs with hard numbers, explains the mechanics of blue Cumulus vouchers and superpoints, runs through both partner ecosystems, and flags when it's worth having both.

Last updated: April 2026. Conversion rates and credit card annual fees verified on the official Cumulus, Supercard, and Migros Bank websites. Current weekly offers available in the Rappn app.

The 1% myth: where the cards' real value lives

Both programs start with the same base rate: 1 Swiss franc spent = 1 point. The numbers then translate to roughly 1% back on everything you buy within the respective ecosystem. Identical maths at first glance.

The actual value, though, isn't in the base rate. It's that Cumulus and Supercard both use your purchase history to generate personalised digital coupons worth 20%, 30%, or even 40% off individual products. This is where around 70% of a regular customer's real savings come from. If you never activate the in-app coupons, you leave the bulk of the benefit on the table.

From which comes a little-known but important rule: the loyalty card isn't really for the points; it's for getting into the personalised-coupon system. Points are the side dish.

Cumulus: how it actually works

Base rate. 1 Cumulus point per franc spent at Migros, Migros Online, VOI, Migros Partner, Alnatura, Micasa, Do it + Garden, SportX, melectronics, Ex Libris, and OBI. At migrolino, mio, and Migrol/Shell/SOCAR filling stations, you get 1 point per 2 francs (0.5%).

Converting points to vouchers. Every 500 Cumulus points you collect are automatically converted into a blue Cumulus voucher worth CHF 5. Vouchers arrive in the post every two months alongside your statement, or they can be activated digitally in the Migros app. They function as cash at Migros and across all group outlets.

Discount coupons. On top of blue vouchers, the system regularly sends personalised coupons:

• percentage discounts (20%, 30%, 40%) on specific products or departments
• fixed franc discounts (CHF 5, CHF 10, CHF 20)
• multiplied points (x5, x10, x20) on purchases above a threshold or in specific departments
• fixed bonus points (200 points for a first Zur Rose order, 500 points for a Famigros Club signup, similar exceptions)

Coupons arrive by post, by newsletter, as till-printed vouchers after a purchase, or directly in the Migros app, where they must be activated with a tap before your next purchase. If you don't activate them, they don't apply, even if the card is scanned.

Cumulus Extra. The CHF 5 blue vouchers can be swapped in premium sections for enhanced value. Example: a CHF 5 voucher = a CHF 10 Alpamare voucher, a CHF 10 cinema voucher, or a CHF 10 wellness voucher. The blue voucher is invalidated, but the face value doubles.

Cumulus credit cards (Migros Bank). The range has four tiers. All collect 1 point per franc inside the Migros universe but differ in the cashback outside it and in the annual fee:

The Cumulus credit card is the main product launched in July 2022 when Migros Bank took over direct issuance (previously Cembra Money Bank). It includes free cash withdrawals at Migros tills, up to three free supplementary cards for the household, and Apple Pay, Google Pay, Samsung Pay support. The Gold adds extensive travel insurance, a 14-day best-price guarantee, and trip-interruption insurance, but the CHF 200 annual fee only makes sense for someone with very high off-Migros spending or who would use the travel insurance package seriously.

Migros app. Centralises the digital card, paper vouchers in digital form, personalised coupons, point balance, shopping list, recipes, and since 2024 Migros Online integration.

Supercard: how it actually works

Base rate. 1 superpoint per franc spent at Coop supermarkets, coop.ch, Coop to go, Coop City, JUMBO, Coop Pronto, Coop restaurants, Coop Vitality pharmacies, LIVIQUE/Lumimart, Import Parfumerie, CHRIST, The Body Shop, GIDOR Coiffure, Fust, Interdiscount, Microspot, Pneu Egger, McOptic, and other smaller partners.

Converting to francs. Here's the key difference from Cumulus: 100 superpoints = CHF 1 of value, redeemable at the till, any time, in any amount from 100 points up. You don't have to wait for 500 points like with Cumulus. No postal wait. No paper vouchers to hold on to. At the till the cashier will ask whether you want to use your superpoints, and you can say "all of them," "half," or specify an exact amount.

Concrete example: CHF 100 shop at Coop. If you have 10,000 superpoints on your account, you can pay the whole thing in points. If you have 3,500, you can pay CHF 35 in points and the rest in cash or card. This flexibility is one reason many Swiss shoppers prefer Supercard.

Loyalty gift card. Alternative to direct redemption at the till: Coop lets you convert between 1,000 and 10,000 superpoints at a time (in 1,000-point increments) into a loyalty gift card usable at almost all group stores.

Supercard rewards shop. Alternative to cash redemption: you can convert superpoints into physical rewards, event tickets, travel vouchers, Miles & More miles, external partner gift cards, or donations (SOS Children's Villages, Pro Infirmis, Coop Mountain Sponsorship). The conversion rate varies by reward type and is usually worse than cash (100 points = CHF 1), so in practice till-payment remains the most rational option.

Digital coupons. Every week the Supercard app serves personalised vouchers to be activated with a tap: percentage off on the products you typically buy, extra superpoints above a certain spending threshold, fixed franc vouchers for specific departments.

Supercard-exclusive offers. Many promotional items are priced lower "only with Supercard": the discounted price applies automatically when you scan the card at the till. Without a card, you pay full price.

Supercard credit cards (TopCard). TopCard Service SA is a wholly-owned subsidiary of UBS Switzerland. It offers three variants, all completely free, no annual fee:

All cards accept Apple Pay, Google Pay, and Samsung Pay, include travel and flight-accident insurance, and collect superpoints on every transaction, inside or outside Coop. The prepaid Visa charges a 1% top-up fee (minimum CHF 3) on the loaded amount, with a maximum of CHF 10,000 per load.

Supercard app. On top of coupons, the app includes a digital payment card for cashless payment at all Coop tills (rechargeable with either superpoints or cash), automatic digital receipts archived for years, and a Club Hello Family / Mondovino area with extra member perks. Since 2023 it has a dashboard summarising monthly savings.

Side-by-side comparison

Partners: where you really collect (and spend)

The philosophy difference shows most clearly in who sits inside each network.

In the Cumulus universe, Migros leans into mobility and daily errands. The dense network of Migrol, Shell, and SOCAR filling stations with migrolino shops means anyone who drives collects points every week without thinking about it. Ex Libris covers books and music, Zur Rose is one of the country's leading online pharmacies (200 bonus points for your first prescription), OBI handles DIY, and VOI and Migros Partner cover neighbourhood stores and rural areas. A network built for the typical Migros customer: regular grocery shopping, car, children, DIY.

In the Supercard universe, Coop has made a different choice: less mobility, more lifestyle and home. Fust and Interdiscount for electronics and large appliances are the two partners that make the difference (typical purchase of CHF 200-2,000, so dozens or hundreds of superpoints per transaction). Livique and Lumimart for furniture and lighting. Christ for watches and jewellery. Import Parfumerie for cosmetics. In large shopping centres, all these brands clustering under one roof makes Supercard especially effective for anyone who combines groceries with home-related purchases.

Are Cumulus and Supercard credit cards worth it?

Here's the surprising finding: the basic credit cards for both programs are completely free, no annual fee. Worth writing twice, because in Switzerland this is rare.

Cumulus credit card (Migros Bank). The basic lineup (Cumulus credit card, Visa Free, Mastercard Silver) is all free, offers 1 point per franc inside Migros and 1 point per 3 francs outside (~0.33% cashback). The Gold goes to 1 point per 2 francs outside Migros (~0.5%) and includes a comprehensive insurance package for travel and purchases, but costs CHF 200 per year. The annual fee only pays off if you spend heavily outside Migros or make serious use of the travel insurance package.

Supercard credit card (TopCard). The three variants (Visa, Mastercard, Visa prepaid) are all free, no annual fee. You collect 1 superpoint per franc inside Coop and 1 superpoint per 3 francs outside. TopCard Service SA is a wholly-owned subsidiary of UBS Switzerland, which gives these cards the backing of a major banking infrastructure.

The honest verdict. If you want a credit card "on the side" just to stack extra points, both the standard Cumulus and the Supercard give you the same zero-fee advantage with 1 point per 3 francs outside the respective universe. The choice comes down to: do you go to Migros or Coop more often? If you spend heavily outside supermarkets with electronic payments, a non-grocery cashback card (e.g. Swisscard Cashback, Neon, or similar) delivering 1% across the board gives a better percentage return. Loyalty points only make sense if you actually spend them at the corresponding supermarket.

Other loyalty cards in the Swiss landscape

Only Migros and Coop run nationwide loyalty programs with broad partner networks. Other large Swiss retailers take different approaches.

Denner: no card. Denner has deliberately chosen not to run a loyalty program. The philosophy is simple: the price in the flyer is the price you pay, no card and no mandatory app. The Denner app exists only as an information and notification tool, with no added discounts. For occasional Denner shoppers this transparency works well: no "penalty" for leaving the card at home.

Aldi: no card. Same philosophy as Denner. Low prices for everyone, always. No personalised coupons, no app that multiplies value.

Lidl Plus: free digital card required for certain prices. The Lidl Plus app is free and functions more as a "gate" than a traditional rewards program. Some flyer offers are only discounted if you scan the Lidl Plus card at the till. The app also handles personalised coupons, digital receipts, and Lidl Plus Offers (app-exclusive discounts). Without Lidl Plus you pay the full price. Lidl is the most aggressive Swiss chain in requiring app use to unlock the best prices.

Farmy: Bonus-Eggs. Farmy's system fits its "digital farmers' market" positioning thematically. 1 bonus egg per franc spent, 500 eggs = CHF 5 credit. Same maths as Cumulus, same effective rate, but limited to a single retailer and without external partners. Eggs can also be donated to Farmy's charitable partners.

Aligro, Otto's, Volg. No dedicated food loyalty program at these chains. Volg does have Volg-Märkli (paper stamps) redeemable for physical rewards, but only for in-store purchases, not for Volgshop orders.

Strategy: which card is actually worth it

The honest answer is: it depends where you shop. But some practical rules apply.

• Shop mostly at Coop? Get the Supercard. The flexibility of till-redemption (100 points = CHF 1) is a real advantage, especially for anyone who doesn't want to manage paper vouchers. Personalised coupons in the app amplify the value.
• Shop mostly at Migros? Get the Cumulus. Blue Cumulus vouchers are less flexible but arrive automatically by post, and the personalised coupons in the Migros app are generous. Plus you collect points at migrolino and Migrol effortlessly.
• Shop regularly at both? Get both cards. They're free, don't require exclusive loyalty, and let you use the right card depending on who has the best weekly offer. This is where Rappn helps: shows Migros and Coop offers side by side every Thursday.
• Always activate app coupons before entering the store. Applies to both Cumulus and Supercard. The best promotions get lost not because we don't have them, but because they aren't active at the moment of payment.
• Don't believe "exclusive loyalty" pays better. Points programs don't have premium thresholds unlocked by total loyalty. It makes no sense to skip a Coop purchase just to rack up more Cumulus points if the tuna at Coop costs CHF 2 less.
• The credit card is optional, but here's a bonus. Both the standard Cumulus and Supercard credit cards are completely free. There's no economic downside to having both, beyond admin time and the risk of missing a bill.

Cumulus and Supercard within the Rappn system

Rappn doesn't replace Cumulus or Supercard, because each program's personalised coupons stay tied to the individual customer and visible only in its own official app. Rappn does something different and complementary: shows all public weekly offers from Migros, Coop, Denner, Aldi, Lidl, Aligro, and Otto's in a single comparable feed. The optimal workflow is:

1. Open Rappn on Thursday morning to compare the week's offers across all 7 chains.
2. Decide where to shop for each product category.
3. Open the Migros or Supercard app of the chosen chain and activate the relevant personalised coupons.
4. Shop and scan your loyalty card at the till.

This sequence combines cross-chain comparison (which the Cumulus and Supercard apps don't do) with the personalisation that only each loyalty program can offer.

See every offer before you check out

See Migros and Coop weekly offers side by side, understand where to go, and activate the right coupons in each loyalty app. Rappn is free, independent, and available on iOS and Android.