Which factors really decide the best pick when dozens of cards seem to promise the same perks?
The article shows how impartial platforms list terms, fees, and benefits side by side so people can spot real value fast. It highlights key items to check: annual fee levels, currency surcharges for travel, ATM withdrawal fees, included insurances, and how many interest-free days each issuer allows.
Bank Norwegian is often named top for 2025 thanks to a 0 SEK yearly cost, no withdrawal fees, generous interest-free days, and travel protection tied to payments made with the card. Readers will learn how to read comparison tables, match features to lifestyle, and filter by fee structure to avoid surprises.
This intro sets expectations and points to a short shortlist, clear fee explanations, and a simple online application path that follows in later sections.
What people mean by Swedish credit card comparison in 2025
A good comparison turns thousands of data points into a short list of cards that match a person’s habits. Platforms test 78+ offers, gather fee and benefit details, and publish impartial ratings that show true everyday cost.
Key figures are easy to scan: annual fees, interest-free days (usually 45–60), FX surcharges around 1.65–2%, and ATM withdrawal fees of 1–3% with minimums. Nominal interest rates often sit between 15–25%.
The best tests also list benefits like travel insurance, extended warranty, lounge access, cashback portals, and partner discounts. They let users filter by lifestyle — travel, groceries, or low-cost revolving credit — to pick the right rewards and perks for real use.
Networks and acceptance get clear notes: Visa and Mastercard work almost everywhere, while american express is common at larger merchants but less so at small shops. The goal is to help readers compare side by side, check bank requirements, and choose the right card the first time.
Our method for ranking the best credit cards in Sweden
Rankings rely on measurable outcomes: real annual cost, everyday usability, and benefit value. The team reviews 100–200+ offers and captures annual fees (0–200 SEK), interest-free days (45–60), FX surcharges near 1.65–2%, and withdrawal fees of 1–3% plus minimums.
Scoring weighs total cost of ownership by combining fees, surcharges, and the chance of paying interest if balances roll over. It benchmarks interest rates and effective rates against category averages to spot truly low-cost options for installment users.
Practical features get separate scores: length of interest-free days, invoice clarity, mobile app tools, and merchant acceptance across local banks. Benefits and rewards are judged on real value — whether discounts are automatic, portal-based, or offer fair points redemption.
Insurance depth is tested too. Reviewers check travel insurance with cancellation cover, excess waivers, family protection, extended warranty, and price protection for everyday purchases.
All claims are cross-checked with user feedback and impartial tests. Rankings normalize credit limits so cards suited to common use rise above those that simply offer high maximums.
Top picks at a glance: best credit cards for 2025
Below are the top picks for 2025, chosen for low fees, useful benefits, and clear value for travel and everyday use.
Bank Norwegian tops the list as the best credit card overall and for travel. It has 0 SEK annual fee, 0% withdrawal fees, 1.75% FX, up to 45 interest-free days, and up to 5% back on Norwegian airfare (0.5% base).
re:member flex is the discounts champion. It charges no annual fee, offers up to 56 days, and gives up to 25% off at 300+ web stores through its portal — ideal for frequent online shoppers who want savings rather than points.
Coop Mastercard suits grocery-focused households. Year one is free, then 295 SEK, and it pays up to 5.5 points per SEK at Coop and 0.5 points elsewhere.
Marginalen Traveller is benefits-first with broad insurance and exchangeable points. The annual fee is 396 SEK (first three months free), up to 50 days, and mid-range interest at 16.90%.
Collector Easyliving stands out for 0% FX on foreign purchases. It has no fee the first year and up to 56 interest-free days, plus travel protections for frequent travellers.
Swedbank Mastercard targets low interest needs with rates around 13.80–14.95% and 55 days. The first year is free, then 195 SEK, and it includes solid protections for those who may carry a balance.
The shortlist balances fees, withdrawal rules, and FX surcharges so readers can match a product to spending patterns. Acceptance, mobile payments, and the exact scope of insurance differ, so the best match depends on how one spends and travels.
Bank Norwegian Credit Card — the best overall choice for travel and everyday use
Bank Norwegian stands out by blending travel perks with low running costs, making it a smart pick for frequent flyers and everyday spenders.
The product charges a 0 SEK annual fee and levies no withdrawal fees. It offers a max credit limit of 150,000 SEK and up to 45 interest-free days, helping users avoid interest when invoices are paid on time.
Rewards include a 0.5% base bonus on all purchases and tiered points on Norwegian flights: 3% for LowFare, 4% for LowFare+, and 5% for Flex in CashPoints. The currency surcharge is 1.75%, a fair rate for a no-fee travel option.
Travel insurance activates when at least 50% of a trip is paid with the card. Cover extends to the cardholder, partner, and dependent children under 21 for trips up to 90 days, with cancellation protection up to 50,000 SEK.
The app and customer support make managing purchases, statements, and redemptions simple. For many users, the blend of no annual fee, usable rewards, and travel protections explains why Bank Norwegian often ranks as the best credit card for travel and everyday use.
re:member flex — maximize savings with up to 25% online discounts
If saving on everyday online purchases matters most, re:member flex makes those savings simple to access.
The product charges a 0 SEK annual fee and offers up to 56 interest-free days. It carries individually priced interest with nominal rates roughly 9.74–21.90% and effective rates near 8.10–18.90% depending on the applicant.
Users get up to 25% off at 300+ stores through the Remember portal. Partner examples include CDON (up to 8%), Amazon (5%), Electrolux (4%), FirstVet (7%), Hotels.com (7%), and Strawberry (7%).
The product also adds a Preem fuel discount and travel insurance with cancellation cover, excess protection, and ID protection. A 120,000 SEK limit suits most households, and mobile wallet compatibility keeps payments easy.
For shoppers who want clear, immediate savings rather than points, this card turns portal discounts into real money saved on purchases. It is a strong pick for heavy online buyers and anyone aiming to cut ordinary spending without a fee.
Coop Mastercard — best credit card for groceries in Sweden
For households that shop mostly at Coop, loyalty rewards can cut grocery bills substantially.
The Coop Mastercard from Entercard gives up to 5.5 points per SEK at Coop and 0.5 points per SEK elsewhere. Points convert to vouchers and special offers in Coop stores, so rewards feel immediate.
The first year’s annual fee is waived, then 295 SEK applies from year two. It offers 55 interest-free days and a maximum credit limit of 150,000 SEK, which suits larger monthly grocery spends.
Insurance covers travel with cancellation protection plus all-risk and purchase guarantees. This adds practical protection for gadgets and household buys.
Contactless and mobile wallet support speed checkout. Statements help track monthly grocery budgets, and the mix of points and protections is strong for Coop-loyal families.
Marginalen Traveller — benefits-first card with broad insurance
Marginalen Traveller targets people who want broad protection and real lifestyle perks from a single product.
The offering charges a 396 SEK annual fee with the first three months free so users can test the value of benefits without early cost.
It gives 50 interest-free days, a 16.90% nominal rate, and a maximum credit of 150,000 SEK. Points are earned on all purchases and redeemable for travel and lifestyle experiences through partner programs.
The travel insurance includes nine distinct covers, delivering unusually broad protection compared with many mid-fee rivals. This makes it useful for frequent travelers and families who want cover beyond basic trip delay and cancellation.
For people who redeem points regularly, the benefits-first approach turns everyday spending into experiences. The package suits those who rarely carry large balances and prefer strong insurance over a zero-fee promise.
Collector Easyliving — best credit card without foreign exchange fees
Collector Easyliving is built around zero foreign exchange fees and practical travel protections. It removes the typical 1.65–2% surcharge on purchases made abroad, which can add up fast for frequent travellers.
The first year carries a 0 SEK annual fee and the product offers up to 56 interest-free days. Effective interest examples sit near 18.67%, so users should aim to pay the invoice within the grace period when possible.
Coverage includes comprehensive travel insurance, and an extra card is issued free so partners or family members can share one account. Mobile wallet support makes in-store and online payments abroad seamless.
For people who prioritise low running costs over points, this product’s zero FX charge often outweighs modest reward schemes. The mix of clear benefits, flexible payments, and no foreign fee makes it a logical pick for those who do lots of purchases in other currencies.
Swedbank Mastercard — low interest and comprehensive protections
Swedbank’s Mastercard focuses on steady value: lower borrowing costs and broad protections for everyday use.
The product waives the annual fee in year one and charges 195 SEK from year two. It offers a nominal interest range of 13.80–14.95% and 55 interest-free days, so occasional balances cost less than many rivals.
Insurance covers travel with cancellation protection plus purchase protection, price guarantee, and extended warranty. Those covers make the offering useful for people who want peace of mind rather than rewards.
With a maximum credit of up to 200,000 SEK, the account suits larger planned purchases without moving money between accounts. There is no bonus program, which keeps terms simple and predictable.
Integration with mobile wallets and the bank’s app gives smooth day-to-day payments and easy statement checks. As a mainstream option from one of the larger banks, it appeals to those who prioritise lower interest, clear rates, and reliable service.
Swedish credit card comparison: fees, interest, and interest-free days explained
Understanding fees, interest, and invoice timing is the fastest way to estimate what a card will really cost each month.
Annual fees for mainstream products usually fall between 0 SEK and a few hundred SEK. The right pick depends on whether the included benefits offset that annual fee.
Most issuers apply a currency surcharge near 1.65–2% for purchases abroad; Bank Norwegian uses about 1.75%. Some products waive FX charges, which helps frequent travellers save.
ATM withdrawals are often costly. Typical withdrawal fees run 1–3% with minimums around 35–45 SEK, so avoid cash unless the product waives that fee.
Interest-free days typically sit between 45 and 60. Paying the full invoice during that grace period means zero interest on those purchases.
Nominal interest commonly ranges from roughly 15–25%. Effective APR can differ once fees and billing cycles are added, so compare rates, not just the headline number.
People who plan to revolve balances should prioritise lower rates and fewer fees over rewards. Visa and Mastercard work almost everywhere; american express may be less accepted at smaller shops.
Know these levers—annual fee, FX surcharge, withdrawal charges, interest, and grace days—to estimate real monthly cost versus headline perks.
Rewards, cashback, and points — the smartest way to save money
Not all rewards are equal — the best ones match habits, not glossy marketing. Readers should pick a plan that pays back on where they already spend each month.
Some cards give direct cashback or deep partner discounts. For heavy online shoppers, a portal like re:member flex can cut costs with up to 25% off at major stores and extra fuel savings at Preem.
Travelers earn most from airline bonuses. Bank Norwegian pays a 0.5% base plus higher rates, up to 5% on Norwegian flights, so flight-focused users net fast value.
Loyal grocery buyers do better with point schemes. Coop rewards up to 5.5 points per SEK at Coop stores, which reduces food bills when redeemed for vouchers.
Other programs convert points into experiences. Marginalen Traveller’s points suit people who prefer travel or lifestyle redemptions, but value depends on redemption rules, caps, and expiry dates.
To save money, match earning to real spend, combine a primary rewards product with a no-FX-fee backup for foreign trips, and check statements monthly. Tracking limits and redemption rates keeps rewards from going to waste.
Acceptance and networks in Sweden: Visa, Mastercard, and American Express
Network reach often decides whether a payment works instantly or forces a backup plan.
Visa and Mastercard dominate everyday acceptance across the country, so a credit card on either network works at most stores, gas stations, and transit points. Around 20+ banks issue Visa products and about 22 banks issue Mastercard, giving wide product choice and varied rates and benefits.
American Express appears at major chains, hotels, and many restaurants and offers strong perks and co-brands such as SAS EuroBonus. But it can face gaps at smaller, independent merchants, so people often carry a Visa or Mastercard as a backup.
Travelers benefit most from broad network acceptance abroad and at home. Users should check mobile wallet compatibility and issuer terms so contactless payments work everywhere.
Network choice should support the product’s benefits and rates rather than drive the decision alone. For daily use and travel, pairing a widely accepted primary card with a perks-focused card covers most situations.
High-approval options: apply smarter with one UC via Kortio
Kortio lets applicants test several offers at once and see real approvals after a single UC check. This way, they can get credit decisions without triggering multiple hard inquiries that hurt their score.
The service returns which cards and banks will approve a person based on one UC lookup. Typical approved terms often show a max credit up to 100,000 SEK and around 45 interest-free days, depending on the chosen product.
Using Kortio speeds up the search for a suitable option and saves time when comparing fee schedules, insurance, and payments. Applicants avoid guesswork and reduce the risk of repeated rejections.
Before finalising, users should still review each approved issuer’s fee lists, interest rates, and coverages. Once they pick a winner, they complete the issuer’s process and set up timely payments to keep invoices interest-free.
🎁Essential guide to managing credit card fees in Sweden
How to choose and apply: a simple path to the best credit card
Begin with a clear purpose: know whether the goal is low cost, grocery rewards, travel perks, or online discounts.
Compare total running costs next. Check the annual fee, FX surcharge (about 1.65–2%), ATM withdrawal fees (1–3% plus a minimum), and the nominal interest rate.
Verify practical terms: interest-free days (usually 45–55), minimum monthly payment, and maximum credit limit. These determine how the invoice and payments affect your budget.
Confirm insurance rules. Travel cover often requires paying at least 50% of the trip with the card to activate cancellation and medical protection.
Also check acceptance and mobile wallet support so everyday purchases work smoothly across stores and abroad.
Confirm eligibility: applicants are usually 18+, have a national ID and a few years’ registration in the country, steady income, and no enforcement debts or payment remarks.
Apply via a trusted comparison tool or directly with the issuer. Track the application, watch the first billing cycle, and set up automatic payments to avoid missed invoices and protect credit standing.
Make your choice with confidence and apply online today
Make a practical choice based on fees, benefits, and how you actually spend each month. Bank Norwegian remains a strong all-rounder with no annual fee, 0% withdrawal, up to 45 days, plus solid travel insurance and airfare rewards.
For deep online savings, re:member flex offers up to 25% discounts and up to 56 interest-free days. Coop Mastercard suits grocery-focused households, while Collector Easyliving removes FX fees. Marginalen Traveller and Swedbank Mastercard serve those who want broad insurance or lower rates.
Apply securely via trusted comparison sites or directly with the issuer. Check fee schedules, payment rules, and travel insurance activation. With on-time payments and the right pick, users can save money and gain protection from day one.
