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How to Book a Trip to Switzerland

How to · Travel

How to Book a Trip to Switzerland

See the Swiss Alps without the peak-season price tag by timing your visit right and spreading out the cost.

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 is quietest in May or October, when the summer crowds have left and the first snow hasn't yet buried the trails. You get crisp mountain air and lower hotel rates, making it the perfect time to wander through Interlaken or ride the trains through the Bernese Oberland.

We can manage the $4500 cost by using the Citi Simplicity® Credit Card, which offers 0% for 18 months on purchases and balance transfers from date of account opening. This gives you an 18-month window to pay off the trip in manageable chunks.

Remember that the 18-month intro window is a deadline, not a gift. If you do not pay off the full $4500 balance before the window closes, the bank will start charging interest on whatever amount is left.

The steps

  1. 01

    Target the shoulder months

    Aim for May or October to avoid the summer crush and winter ski prices. You will find that accommodation and train passes are significantly cheaper during these quiet transitions. Check the weather for your specific region, as higher altitudes may still have snow.

  2. 02

    Calculate your monthly payment

    Since the total cost is $4500 and you have 18 months, you need to set aside exactly $250 each month. Set up an automatic transfer from your checking account to ensure you never miss a payment. Treating this like a fixed bill makes it much easier to manage.

  3. 03

    Use the Citi Simplicity® Credit Card

    Put your flights and hotel bookings on this card to take advantage of the 0% for 18 months on purchases and balance transfers from date of account opening. This keeps your cash flow steady while you pay for the trip. Keep your spending on this card limited to just this trip to avoid confusion.

  4. 04

    Book the rail pass early

    The Swiss Travel Pass covers almost all trains, buses, and boats, plus entry to hundreds of museums. Buying it before you leave saves you the headache of buying individual tickets. It is almost always cheaper than paying per ride.

  5. 05

    Dine like a local

    Eating out in Switzerland is expensive, so look for apartments with kitchens to cook some of your own meals. If you do go out, grab lunch at grocery store counters like Coop or Migros to save your budget for the occasional nice dinner. This keeps your daily spending from creeping up.

  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

What happens if I cannot make a payment?

Missing a payment can end your 0% rate early. Always set up autopay for at least the minimum amount so you stay in good standing.

Is Switzerland really that expensive?

Yes, it is one of the most expensive countries in the world. Being mindful of where you buy your food and using a rail pass helps significantly.

What is the benefit of the shoulder season?

You save money on flights and hotels because demand is lower. You also get a much more peaceful experience without the typical tourist throngs.

Should I use this card for other things?

It is better to keep this card dedicated to the trip balance. Mixing in everyday spending makes it harder to track your progress toward paying off the $4500.