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Cumulus points to CHF: what your points are worth

100 Cumulus points are worth CHF 1. You get 1 point for every franc you spend at Migros, and every 500 points become a CHF 5 voucher, so Cumulus gives back about 1% of what you spend, and more with offers. Coop superpoints have the same value: 100 superpoints are CHF 1.

Convert your points

Cumulus points Coop superpoints

Cumulus points in francs at a glance

Points	Value
100	CHF 1
500	CHF 5
1'000	CHF 10
5'000	CHF 50
10'000	CHF 100
100'000	CHF 1'000
1'000'000	CHF 10'000

How much shopping these points take depends on the offers you use: without any, it is 1 point per franc; with multiplier and bonus offers it is far less.

How Cumulus points turn into money

Cumulus is the Migros loyalty programme. Show the card or the Migros app at the checkout and you get 1 point for every franc. Once you have collected 500 points, they turn into a CHF 5 voucher that you spend like cash at Migros. That makes each point worth 1 Rappen, or CHF 0.01.

Some promotions multiply the points on certain products or days, so the points you see can run ahead of what you spent. The value per point stays the same: 100 points, one franc.

What Coop superpoints are worth

Coop's programme is called Supercard, and its points are superpoints. You collect them when you shop at Coop, and 100 superpoints are worth CHF 1, the same as Cumulus. The two programmes are separate: you cannot move points between Migros and Coop.

Are 3×, 5× and 10× points offers worth it?

Migros regularly multiplies Cumulus points: 10× on one product, 3× or 5× on your whole purchase. Coop has multipliers too, but its offers are more often a fixed bonus such as +1'000 superpoints, see which Coop bonus offers are worth it. For multipliers the rule is simple: an offer of N× gives you N% back on what it applies to, because normally you get 1%. What that is worth in francs depends entirely on how much you spend.

Work out an offer

You spend, in CHF Multiplier

Offer	Points	Worth	Back
Normal, CHF 150 cart	150	CHF 1.50	1%
10× on a CHF 4 loaf of bread	40	CHF 0.40	10%
10× on a CHF 20 product	200	CHF 2.00	10%
2× on a CHF 150 cart	300	CHF 3.00	2%
3× on a CHF 150 cart	450	CHF 4.50	3%
5× on a CHF 150 cart	750	CHF 7.50	5%
5× on a CHF 300 monthly shop	1'500	CHF 15.00	5%

Points shown are the total for that purchase, at the standard 1 point per franc times the multiplier.

What this means in practice

A big multiplier on a small item is small change. 10× on a CHF 4 loaf is 40 Rappen. A 5× on a CHF 150 cart is worth CHF 7.50, about as much as 10× on nineteen loaves.
Compare multiplier × spend, not the multiplier alone. 3× on CHF 150 (CHF 4.50) beats 10× on CHF 20 (CHF 2).
The credit cards are a permanent 2×. Paying with the Cumulus or Supercard credit card in store doubles your points on every purchase, offer or not; everywhere else they give 1 point per CHF 3.
Time your big shop. If you know a 3× or 5× day is coming, doing your stock-up shop then is the easiest win: same groceries, three to five times the points.
Never buy something just for the points. 10× is 10% back, so a CHF 20 product you didn't need still costs you CHF 18. A normal 10% discount does the same thing without waiting for the voucher.
Read the small print. Whole-purchase offers often have a minimum spend or exclude some products, so the multiplier may not apply to everything in your cart.

How long does it take to collect 1 million points?

1'000'000 points are worth CHF 10'000. With normal points on groceries only, that would take a million francs of shopping. But a household gets there much faster: Cumulus and superpoints count together, multiplier and bonus offers add thousands of extra points a month, buying what you need anyway at shops that give points adds the rest of your spending, and paying with the Cumulus or Supercard credit card doubles the points in store and earns points everywhere else.

Your household's time to 1 million

Monthly spend at Migros, CHF Monthly spend at Coop, CHF Monthly spend at partner shops, CHF Extra points from offers, per month Pay in store with Other spending paid with the card, CHF a month

How one household collects	Points a month	1 million in
Groceries, normal points	1'000	83 years
+ offers	3'000	28 years
+ CHF 500 at partner shops	3'500	24 years
+ 2 partner bonuses of 1'000	5'500	15 years
+ both credit cards, 2× in store	6'500	13 years
+ CHF 1'500 other spending on the card	7'000	12 years

Each row adds to the one above. The household spends CHF 600 a month at Migros and CHF 400 at Coop, at 1 point per franc; the credit cards double that to 2 points per franc, and give 1 point per CHF 3 on other spending. Offers add about 2'000 points a month, for example one 5× day at Migros on a CHF 150 cart (+600), one 3× day at Migros (+300) and one +1'000 bonus at a Coop partner shop.

The Cumulus and Supercard credit cards

Migros and Coop each have a credit card that collects points, in two ways:

In their stores, every franc gives 2 points: a 2× multiplier on your whole shop, every time, without waiting for an offer.
Everywhere else you pay with the card, every CHF 3 give 1 point: the train ticket, the restaurant, the online shop that has no points of its own.

For a household spending CHF 600 a month at Migros and CHF 400 at Coop, both cards add 1'000 points a month in store. CHF 1'500 of other spending on the card adds another 500. Together that is 1'500 extra points a month, worth CHF 180 a year. Check the card's terms, such as any annual fee, before you apply: a fee takes away from what the extra points are worth.

Shop where points are given

Most households buy plenty outside the supermarket: electronics, household goods, clothes, snacks on the way. Buy those at a shop that gives points instead of one that doesn't, and the same spending counts towards your goal. Cumulus points come for example at Galaxus and Migrolino, superpoints at Coop City, Interdiscount and Coop Pronto. The partner shops also run the biggest bonuses, such as +1'000 superpoints for a purchase.

Note: Migros gives no Cumulus points on tobacco and alcohol, neither in its partner shops nor on Migros Online.

Friends and family can speed it up too: Migros and Coop let them pass their points on to you.

Chlotze turns this into a map: one tile is CHF 100 (10'000 points), and the 1-million-points goal is a block of 100 tiles that fills up as everyone adds their points.

Track your points on the map

Giving your points away

To a person: Cumulus points and superpoints can be given to anyone with a Migros or Coop account. So you can help someone who is short of money directly: they use the points for their groceries.

To a charity: Cumulus vouchers can be donated to charities such as Glückskette, HEKS or Caritas through the Cumulus Infoline, 0848 85 0848. Superpoints can be donated directly on supercard.ch or in the Supercard app, for example to Pro Infirmis or SOS Kinderdorf.

Common questions

How much are 1'000 Cumulus points worth?

CHF 10. Every 100 points are one franc.

Are Cumulus points and superpoints worth the same?

Per point, yes: in both programmes 100 points are worth CHF 1. In practice superpoints give a bit more back, thanks to Coop's fixed bonuses such as +1'000 superpoints at Interdiscount. Which bonuses are worth it?

Can I combine Cumulus points and superpoints?

Not with Migros or Coop: they are competing programmes. Chlotze adds both up so you can see your total in one place.

More guides

Facts from migros.ch and supercard.ch, checked October 2026. Chlotze is not affiliated with Migros or Coop.