Get a Credit Card today
Best Credit Cards Norway
Free, 100% digital credit card comparison
Find the credit card that fits you
Apply and get instant answer
advertisement
The repayment period ranges from 1 to 15 years, or 5 years if you do not need to refinance. The nominal interest rate varies from a minimum of 4.9% to a maximum of 23.44%. The effective interest rate ranges from a minimum of 5.33% to a maximum of 49.92% (!), so it can be very beneficial to choose the best offer.
Example: 130,000 kr over 5 years, effective interest rate 12.73%, cost 43,382 kr, total 173,382 kr.
Credit cards in Norway offer more than just flexible payments—they can give you real financial advantages. From cashback and travel insurance to low interest and fee-free options, the right card can support both your everyday spending and long-term goals.
We help you compare top credit card options in Norway, so you can find the one that fits your habits, needs, and lifestyle best.
The Best Credit Cards in Norway 2025
Re:member Black Credit Card
★★★★★
- No annual fee and up to 45 days interest-free credit
- Contactless payments with Apple Pay and Google Pay
- Discounts in over 200 online stores
- Travel insurance included when 50% of transport is paid with the card
- At least 18 years old
- Employment required
- No registered payment defaults
| Description | Value |
|---|---|
| Annual Fee | 0 NOK |
| Maximum Credit | Up to 150,000 NOK |
| Interest Rate (Nominal) | 25.57% per year |
| Effective Interest Rate | 30.33% per year |
| Interest-Free Period | Up to 45 days |
| Card Type | Mastercard |
| Withdrawal Fee in Norway | 35 NOK + 1% of withdrawal amount |
| Withdrawal Fee Abroad | 75 NOK + 1% of withdrawal amount |
| Currency Conversion Surcharge | 2.00% |
| Paper Invoice Fee | 10 NOK (0 NOK with e-invoice) |
| Reminder Fee | 35 NOK |
| Overdraft Fee | 125 NOK |
| Online Banking Use | 0 NOK for payments and transfers |
advertisement
*Example: Effective interest rate 30.33% based on an example of NOK 15,000 paid down over 12 months. Cost NOK 1,717. Total credit amount will then be NOK 16,717.
Re:member Gold Credit Card
★★★★★
- 18.85% nominal interest – among the lowest for credit cards
- Contactless payments with Apple Pay and Google Pay
- No annual fee and up to 45 days interest-free credit
- At least 18 years old
- Employment required
- No registered payment defaults
| Description | Value |
|---|---|
| Annual Fee | 0 NOK |
| Maximum Credit | Up to 150,000 NOK |
| Interest Rate (Nominal) | 18.85% per year |
| Effective Interest Rate | 23.81% per year |
| Interest-Free Period | Up to 45 days |
| Card Type | Mastercard |
| Withdrawal Fee in Norway | 0 NOK (interest from day 1) |
| Withdrawal Fee Abroad | 0 NOK (interest from day 1) |
| Currency Conversion Surcharge | 2.00% |
| Paper Invoice Fee | 10 NOK (0 NOK with e-invoice) |
| Reminder Fee | 35 NOK |
| Overdraft Fee | 125 NOK |
| Online Banking Use | 0 NOK for payments and transfers |
advertisement
*Example: Effective interest 23.81%, NOK 15,000 over 12 months. Cost NOK 1,407. A total of NOK 16,407.
Morrow Bank Credit Card
★★★★★
- No annual fee
- Up to 45 days interest-free credit
- Credit limit up to NOK 150,000
- Earn cashback or Norwegian CashPoints on all purchases
- At least 20 years old
- Minimum Annual Income: 50,000 NOK
- No registered payment defaults
| Card Details | Information |
|---|---|
| Card Type | Credit Card |
| Payment Network | Mastercard |
| Annual Fee | 0 NOK |
| Age Requirement | 20 years |
| Nominal Interest Rate | 26.90% |
| Effective Interest Rate | 28.77% |
| Interest-Free Period | Up to 50 days |
| Maximum Credit Limit | 100,000 NOK |
| Minimum Monthly Payment | 2.50% (minimum 300 NOK) |
| Paper Invoice Fee | 8 NOK (0 NOK with e-invoice) |
| Foreign Transaction Fee | 1.75% |
| Cash Withdrawal Fee | 0% |
| Additional Card Available | No |
advertisement
*Loan example: Effective interest rate 28.77%, 12,000 kr/12 months, cost 1,726 kr, total 13,726 kr.
Bank Norwegian Visa
★★★★★
- No annual fee
- Up to 45 days interest-free credit
- Credit limit up to NOK 150,000
- Earn cashback or Norwegian CashPoints on all purchases
- At least 18 years old
- Employment required
- No registered payment defaults
| Description | Fee |
|---|---|
| Annual Fee (Årsavgift) | 0 NOK |
| Maximum Credit (Högsta kredit) | 150,000 NOK |
| Interest Rate (Årlig nominell ränta) | 21.99% |
| Effective Interest Rate (Effektiv ränta) | 24.4% |
| Interest-Free Period (Räntefritt) | Up to 45 days |
| Card Type (Korttyp) | Visa |
| Withdrawal Fee in Norway (Uttagsavgift i Norge) | 0 NOK per withdrawal |
| Withdrawal Fee Abroad (Uttagsavgift Utomlands) | 0 NOK per withdrawal |
| Currency Conversion Surcharge (Valutapåslag) | 1.75% |
| Paper Invoice Fee (Papirfaktura) | 45 NOK |
| Reminder Fee (Påminnelseavgift) | 35 NOK |
| Interest on Arrears (Dröjsmålsränta) | Not specified |
| Payment Protection (Betalskydd) | 1% of outstanding balance |
| Dental Insurance (Tannhelseforsikring) | From 169 NOK/month |
| Car Rental Excess Insurance (Egenandelsforsikring leiebil) | 349 NOK/year |
| ID Theft Insurance (ID – tyveriforsikring) | 149 NOK/year |
| Daily Cash Withdrawal Limit Abroad (Kontantuttag utomlands per dygn) | 10,000 NOK |
| Daily Cash Withdrawal Limit in Norway (Kontantuttag i Norge per dygn) | 3,000 NOK |
| Online Banking Use (Användning av internetbank) | 0 NOK for payments and transfers |
advertisement
Example: Deferred payment: Effective interest rate 24.4%, NOK 15,000 over 1 year. Cost: NOK 1,849. Total: NOK 16,849.
At LoanNorway, we evaluate and rank credit cards based on several key factors to help you find the best card for your needs. We start by looking at the interest rates, as this is one of the most critical factors that affect how much you will pay over time. We also compare annual fees to give you a clear understanding of the cost of owning the card.
Beyond interest rates and fees, we examine each card’s rewards and benefits. This includes cash back, travel rewards, or points that can be redeemed for various perks. We assess how valuable these rewards are and how easy they are to use. Another important factor is the credit card’s customer service and support, as having reliable assistance can make a big difference.
Customer satisfaction is also a key element in our rankings. We look at customer reviews and ratings to understand real users’ experiences with the credit card, including their satisfaction with the service, rewards, and overall experience.
Lastly, we consider each card’s overall flexibility, including credit limits, foreign transaction fees, and any additional features that can enhance your experience. By analyzing these factors, we aim to provide a comprehensive overview, allowing you to make an informed decision when choosing your next credit card.
Requirements For Getting A Credit Card In Norway
Obtaining a credit card in Norway involves meeting certain criteria set by card issuers to ensure that applicants are financially responsible and capable of managing credit. These requirements are designed to assess your creditworthiness and reduce the risk of default. Understanding these requirements is important as it helps prepare your application and increases your chances of approval. By fulfilling these criteria, you can access a variety of credit card options, each offering different benefits and terms suited to diverse financial needs.
Requirements for Getting a Credit Card in Norway:
- Stable income
- Legal age (18+)
- Norwegian residency
- Good credit history
- Employment status
Stable Income
Stable income is perhaps the most fundamental requirement for obtaining a credit card. Issuers need to know that you have a regular income to cover credit card payments. This reassures them that you have the means to manage and repay your credit commitments responsibly.
Legal Age (18+)
You must be at least 18 years old to qualify for a credit card in Norway. This age requirement ensures that applicants have reached the age of majority and are legally capable of entering into binding financial agreements.
Norwegian Residency
Norwegian residency is typically required to obtain a credit card from Norwegian financial institutions. This helps providers manage risk and ensures that the credit system remains within the local regulatory framework.
Good Credit History
A good credit history is crucial as it reflects your past behavior in managing debt and making timely payments. Banks and credit card companies use this information to assess your reliability as a borrower. Those with a positive credit history are more likely to be approved and receive better credit terms.
Employment Status
Lastly, your employment status can influence credit card approval. Being employed, especially in a stable, long-term position, indicates financial stability, making you a less risky borrower. Some issuers might also consider your specific profession and the industry you work in as part of their risk assessment.
Guide to Credit Cards
Credit cards are a powerful financial tool in Norway, offering not only convenience but also various benefits such as rewards, credit building, and emergency funds. Understanding how they work, how their rewards systems function, and what fees and interest rates are involved is crucial for managing them effectively and avoiding debt traps.
How Credit Cards Work
Credit cards provide you with a line of credit that you can use to make purchases, withdraw cash, or transfer balances. When you use a credit card, the issuer pays the merchant, and you, in turn, pay back the issuer.
You can either pay off the balance in full each month or make minimum payments, accruing interest on the remaining balance. Each month, you receive a statement listing your transactions, the total amount you owe, and the minimum payment required.
How Credit Card Rewards Work
Credit card rewards are incentives provided by card issuers to encourage usage. These rewards can come in various forms such as cashback, points, or travel miles.
Cashback rewards give you a percentage of your spending back, while points can be redeemed for goods, services, or travel.
Travel miles can be used towards airfare or hotel stays. Choose a card that aligns with your spending habits and needs to maximize benefits.
Credit Card Interests & Fees
Interest rates and fees are critical aspects of credit card usage. The Annual Percentage Rate (APR) determines how much interest you will pay on any carried balance. Interest is typically not charged if you pay your full balance each month before the due date.
Common fees include annual fees, late payment fees, and fees for transactions such as cash advances and foreign transactions. Understanding these fees and shopping around for cards with the most favorable terms can help minimize the cost of using credit cards.
How to apply for a credit card
Applying for a credit card online in Norway is a convenient and straightforward process, designed to fit smoothly into your daily routine. With just a few clicks, you can complete the entire application from the comfort of your home or office. This online approach not only saves time but also offers a quick way to access a variety of credit card options, allowing you to compare features and benefits without the need to visit a bank in person.
Steps to Apply for a Credit Card Online in Norway:
- Research and Compare: Start by using out tool, and apply for different credit card offers.
- Select a Card: Choose the credit card that matches your requirements and offers the best advantages like lower interest rates, reward programs, or no annual fees.
- Gather Necessary Documents: Prepare all required documentation such as proof of identity, income, and residency. These might include your ID card, recent pay slips, and a utility bill.
- Complete the Application Form: Fill out the online application form on the issuer’s website. Be sure to enter all information accurately to avoid delays in processing.
- Submit the Application: Review your application for any errors, attach the necessary documents, and submit your application online.
- Wait for Approval: Once submitted, the issuer will review your application. This process may take a few days, after which you will receive a response. If approved, your credit card will be mailed to you.
FAQ
Can foreigners apply for credit cards in Norway?
Yes, foreigners can apply for credit cards in Norway but typically need to have a Norwegian personal identification number and proof of income or employment in Norway.
What is the best way to compare credit card offers in Norway?
To compare credit card offers, look at the interest rates, reward programs, annual fees, and other benefits.
What is the difference between MasterCard and Visa?
MasterCard and Visa are two major payment networks that process credit card transactions. Both are widely accepted globally, but they differ slightly in their specific benefits, offers, and merchant acceptance. The choice between MasterCard and Visa often depends on the specific card issuer and the benefits they provide rather than the network itself.
How do credit card rewards work in Norway?
Credit card rewards in Norway can include cashback, points, or travel miles that you earn based on your spending. These rewards can be redeemed according to the specific card’s policy.
Are there credit cards with no annual fee in Norway?
Yes, many credit cards in Norway offer no annual fee options. However, cards without annual fees may offer fewer rewards or higher interest rates, so consider your spending habits and needs when choosing.
Opdateret: