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Best Credit Cards Norway

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Example: The variable credit interest rate is 28.77% (April 2024). The annual fee is NOK 0. Utilizing a credit of NOK 12,000 and repaying through 12 payments over 12 months, the effective interest rate is 28.77%. The total amount to be repaid is NOK 13,726.

Exploring credit card options in Norway can significantly enhance your financial flexibility and spending power. Whether you’re looking for rewards, low interest rates, or specific benefits like travel insurance, we will guide you through the best credit cards available in the Norwegian market. We help you compare different options, helping you identify the credit card that best suits your spending habits and financial needs.

The 3 Best Credit Cards in Norway 2024

re:member Black Credit Card

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*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.

Credit Card Bank Norwegian

credit card bank norwegian

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Example: Deferred payment: Effective interest rate 24.4%, NOK 15,000 over 1 year. Cost: NOK 1,849. Total: NOK 16,849.

Marrow Bank Credit Card

Marrow bank credit card

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*Example: You must pay back NOK 12,000 in 12 months, with an effective interest rate of 28.77%. The cost of partial payment is NOK 1,726, which gives a total price of NOK 13,726.

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.

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.

Credit Card Guide

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 credit card in Norway

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:

  1. Research and Compare: Start by using out tool, and apply for different credit card offers.
  2. 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.
  3. 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.
  4. 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.
  5. Submit the Application: Review your application for any errors, attach the necessary documents, and submit your application online.
  6. 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.


Frequently Asked Questions

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.

To compare credit card offers, look at the interest rates, reward programs, annual fees, and other benefits.

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.

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.

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.

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