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American Express CH review

Updated September 28, 2026 · NomadCue Editorial Team · Facts checked September 26, 2026

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Our verdict

American Express CH fits Swiss households that want flights, hotels, car rental, transfers and lounges arranged through a single card issuer, and the annual charge of CHF 350 annual fee, half in year one is the figure to weigh. Coach and rail travelers find nothing they need in flights, hotels and car rental.

Key facts

Best for
A Swiss card that puts flights, hotels, car rental, transfers and lounges behind a fee you can read in advance, with no separate subscription on top
Products
Flights, Hotels, Car-rental, Transfers, Lounges↗
Booking fees
CHF 350 annual fee, half in year one↗
Legal entity
Swisscard AECS GmbH↗
Headquarters
Switzerland↗
Founded
1998↗
Support channels
Phone, Help-centre↗
Official website
americanexpress.ch

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
facebook.cominstagram.com

Pros and cons

Pros

  • Flights, hotels, car rental, transfers and lounges all sit in flights, hotels and car rental, so a whole trip can run through a single card issuer.
  • Swisscard AECS GmbH issues the card from CH and has traded since 1998, which keeps the contract with a local company rather than an overseas broker.
  • CHF 350 annual fee, half in year one is published plainly, and the opening year is charged at a reduced rate before the standard fee applies.
  • Support runs on phone and help centre, so a cancelled flight or a hotel correction can go straight to a person on the phone.

Cons

  • flights, hotels and car rental stops at flights, hotels, car rental, transfers and lounges, so there is no rail or coach booking on the card at all.
  • CHF 350 annual fee, half in year one comes round every year, where Latam Travellers states 0 hidden fees, no contracts instead of an annual charge.
  • Support runs on phone and help centre only, with no live chat for quick questions while a traveler waits between connections.
  • Hertz Bahamas WiFi covers car rental and transfers and stops there, a narrower arrangement for travelers who need nothing beyond a car.
American Express CH

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Scored 9.1 / 10 by NomadCue.

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Who it suits

  • Swiss households who book flights, hotels, car rental, transfers and lounges through flights, hotels and car rental and want the lot on a single card.
  • Travelers who want to reach a person when a trip goes wrong, since support includes phone and help centre and a phone line.
  • People comfortable paying CHF 350 annual fee, half in year one each year in exchange for lounge access and the rest of the travel basket.

Who should look elsewhere

  • Coach and rail travelers, because FlixBus sells bus while flights, hotels and car rental carries no coach or rail line.
  • Anyone who would rather commit to nothing up front, given Latam Travellers sets out 0 hidden fees, no contracts against the annual CHF 350 annual fee, half in year one.
  • Travelers who only need a car and an airport transfer, since Hertz Bahamas WiFi covers car rental and transfers without the wider basket.

Who runs it

The card is issued by Swisscard AECS GmbH, registered in Switzerland and trading since 1998. For a trip booked out of the same market, the application, the contract and any dispute all sit with a company based there rather than with a marketplace abroad, which keeps the counterparty in a single place if a booking has to be changed at short notice. Support is offered on phone and help centre, so a traveler can put a phone call through during a disruption or work through the help centre for routine questions such as a charge appearing on the statement. Neither route is a chat thread that closes overnight, which is exactly when travel disputes tend to surface, like a cancelled flight segment or a hotel booking that needs correcting after check out. The setup is card based throughout: the travel services attach to the card itself, so a group can hold a single card, place the bookings and reach the same support line without splitting the trip across separate accounts.

How American Express CH compares

Where American Express CH is available

Available
Liechtenstein, Switzerland

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does the card cost to hold?+

The annual charge is CHF 350 annual fee, half in year one. A reduced amount applies in the opening year, so starting the account costs less than the standard fee before it settles into the regular price. The fee sits on the card account rather than on each individual booking, which makes it straightforward to budget for a year of travel.

What can I book through the card?+

The listed range is flights, hotels and car rental. Flights, hotels and car rental sit alongside airport transfers and lounge access, so a group can arrange the moving parts of a trip without moving to another seller for the ground legs. Rail, bus and ferry lines do not appear anywhere in flights, hotels and car rental.

Who issues the card?+

The card comes from Swisscard AECS GmbH, a company registered in Switzerland and trading since 1998. Applications run through the local site, and the contract sits with that issuer rather than with an overseas platform or a broker, which matters most when a booking has to be rearranged while abroad.

How do I get help if a booking goes wrong?+

Support runs on phone and help centre, meaning a phone line and a help centre. For a travel dispute the phone route puts a person in front of you during the disruption itself, while the help centre answers routine questions such as a charge appearing on the statement or a reservation that needs correcting.

Does the card cover trains or buses?+

Not for rail or coach. flights, hotels and car rental lists flights, hotels, car rental, transfers and lounges, and nothing beyond them. If the ground leg of the journey is a bus rather than a car hire or a private transfer, FlixBus is the direct seller, since its range is bus.

How does the annual fee compare with a seller that carries no contract?+

Latam Travellers describes its pricing as 0 hidden fees, no contracts, a different model from a membership card. Here CHF 350 annual fee, half in year one is due every year whether or not anyone travels, so households that book only now and then can get more from a pay as you go approach.

Can I arrange a car and a transfer without booking a flight?+

Hertz Bahamas WiFi is built for that, covering car rental and transfers and nothing beyond them. If a traveler needs a vehicle on arrival or a ride to the hotel, it is the tighter fit. The card earns its place when the same trip also needs the flights and hotels listed in flights, hotels and car rental.

Does the card include lounge access?+

Lounges appear in flights, hotels and car rental, listed alongside flights, hotels, car rental and transfers. That makes the card useful on a long waiting day at an airport, or ahead of a transfer that runs early, since the lounge sits inside the same arrangement as the travel bookings themselves.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

American Express CH

American Express CH

A Swiss card that puts flights, hotels, car rental, transfers and lounges behind a fee you can read in advance, with no separate subscription on top

9.1/10See alternatives