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How to Book a Mountain Train Trip to Switzerland

How to · Travel

How to Book a Mountain Train Trip to Switzerland

See the Swiss Alps by rail without draining your savings all at once.

VoAtlas editorial Updated · 3 min read
Typical cost $4,500 before anything else
Across the 0% window $250.00/mo 18 months, no interest

How we got that: $4,500 spread evenly across the 18-month introductory window on the Citi Simplicity® Credit Card. Checked · at the bank Carry a balance past the window and the standard APR applies to what is left.

Switzerland by train is quiet, cold, and incredible in late winter. You get clear views of snow-covered peaks and empty carriages, which makes the long rides through the mountains feel like you have the country to yourself.

A trip like this usually runs about $4500. If you want to spread that cost out, you can use the Citi Simplicity® Credit Card, which offers 0% for 18 months on purchases and balance transfers from date of account opening.

The 18-month window is a deadline, not free money. If you have any balance left after 18 months, the bank will start charging interest on whatever is still owed.

The steps

  1. 01

    Map your route

    Pick your mountain pass or train route early. The Glacier Express or the Bernina Express are classics. Book your tickets a few months out to get the best price on travel segments.

  2. 02

    Secure the card

    The Citi Simplicity® Credit Card gives you 0% for 18 months on purchases and balance transfers from date of account opening. This lets you pay off your $4500 trip in monthly chunks rather than all at once. Paying $250.00 per month will cover the full cost within that 18-month window.

  3. 03

    Book your stays

    Look for hotels near the main train hubs like Zermatt or St. Moritz. Booking in late winter means you might find better rates as the peak ski crowds thin out.

  4. 04

    Budget for food

    Switzerland is expensive. Plan for a daily food budget, or book hotels that include breakfast so you start your day with a solid, paid-for meal.

  5. 05

    Set your payment

    Set up an automatic payment of $250.00 each month to your card account. This ensures you pay off the balance before the introductory period ends.

  6. 06

    Check the card terms before you commit

    Every figure we publish for the Citi Simplicity® Credit Card carries the date a person verified it against Citi and a link to where they checked. Intro windows and APRs change without notice, so confirm the current terms before applying.

    See Citi Simplicity® Credit Card terms →

Common questions

Is the train pass worth it?

A Swiss Travel Pass usually covers almost all trains, buses, and boats. It is worth it if you plan on moving between cities every few days.

What happens if I miss a payment?

If you miss a payment, you might lose your promotional rate or face penalty fees. Always set up autopay to avoid a slip-up.

Are mountain trains always running?

Swiss trains are very reliable, even in heavy snow. Check the local weather and rail site daily, as high-altitude lines can close for safety during extreme storms.

Does this card have a yearly fee?

The Citi Simplicity® Credit Card has no annual fee. You only pay for what you spend on the trip.