Bank Norwegian
- Maxkredit 150 000 kr
- Årskostnad 0 kr
- Effektiv ränta 24,36 %
- Räntefria dagar 45 dagar
Top List: Best Credit Cards of 2026
Ansök nu Ansök säkert hos re:memberre:member flex
Jämför kort- Maxkredit 120 000 kr
- Årskostnad 0 kr
- Effektiv ränta 8,12 - 18,91 %
- Räntefria dagar 56 dagar
- Bonus, Cashback eller Rabatter
- Mobila betalsätt
Att låna kostar pengar! Om du inte kan betala tillbaka skulden i tid riskerar du en betalningsanmärkning. Det kan leda till svårigheter att få hyra bostad, teckna abonnemang och få nya lån. För stöd, vänd dig till budget- och skuldrådgivningen i din kommun. Kontaktuppgifter finns på konsumentverket.se.
Ansök nu Ansök säkert hos SwedbankSwedbank Mastercard
Jämför kort- Maxkredit 200 000 kr
- Årskostnad 0 kr 195 kr
- Effektiv ränta 13,50 %
- Räntefria dagar 55 dagar
- Bonus, Cashback eller Rabatter
- Mobila betalsätt
Att låna kostar pengar! Om du inte kan betala tillbaka skulden i tid riskerar du en betalningsanmärkning. Det kan leda till svårigheter att få hyra bostad, teckna abonnemang och få nya lån. För stöd, vänd dig till budget- och skuldrådgivningen i din kommun. Kontaktuppgifter finns på konsumentverket.se.
Ansök nu Ansök säkert hos CollectorCollector Easyliving
Jämför kort- Maxkredit 50 000 kr
- Årskostnad 0 kr 195 kr
- Effektiv ränta 18,67 %
- Räntefria dagar 56 dagar
- Bonus, Cashback eller Rabatter
- Mobila betalsätt
Att låna kostar pengar! Om du inte kan betala tillbaka skulden i tid riskerar du en betalningsanmärkning. Det kan leda till svårigheter att få hyra bostad, teckna abonnemang och få nya lån. För stöd, vänd dig till budget- och skuldrådgivningen i din kommun. Kontaktuppgifter finns på konsumentverket.se.- Ansök nu Ansök säkert hos Bank Norwegian
Bank Norwegian
Jämför kort- Maxkredit 150 000 kr
- Årskostnad 0 kr
- Effektiv ränta 24,36 %
- Räntefria dagar 45 dagar
- Bonus, Cashback eller Rabatter
- Mobila betalsätt
Att låna kostar pengar! Om du inte kan betala tillbaka skulden i tid riskerar du en betalningsanmärkning. Det kan leda till svårigheter att få hyra bostad, teckna abonnemang och få nya lån. För stöd, vänd dig till budget- och skuldrådgivningen i din kommun. Kontaktuppgifter finns på konsumentverket.se. 
Ansök nu Ansök säkert hos KortioKortio kreditkort
Jämför kort- Maxkredit 100 000 kr
- Årskostnad 0 kr
- Effektiv ränta 18,67 - 37,09 %
- Räntefria dagar 45 dagar
- Bonus, Cashback eller Rabatter
- Mobila betalsätt
Att låna kostar pengar! Om du inte kan betala tillbaka skulden i tid riskerar du en betalningsanmärkning. Det kan leda till svårigheter att få hyra bostad, teckna abonnemang och få nya lån. För stöd, vänd dig till budget- och skuldrådgivningen i din kommun. Kontaktuppgifter finns på konsumentverket.se.
Ansök nu Ansök säkert hos NorthmillNorthmill
Jämför kort- Maxkredit 0 kr
- Årskostnad 0 kr
- Effektiv ränta 0,00 %
- Räntefria dagar
- Bonus, Cashback eller Rabatter
- Mobila betalsätt
Att låna kostar pengar! Om du inte kan betala tillbaka skulden i tid riskerar du en betalningsanmärkning. Det kan leda till svårigheter att få hyra bostad, teckna abonnemang och få nya lån. För stöd, vänd dig till budget- och skuldrådgivningen i din kommun. Kontaktuppgifter finns på konsumentverket.se.
Ansök nu Ansök säkert hos EntercardMoreGolf Mastercard
Jämför kort- Maxkredit 160 000 kr
- Årskostnad 0 kr 295 kr
- Effektiv ränta 18,67 %
- Räntefria dagar 55 dagar
- Bonus, Cashback eller Rabatter
- Mobila betalsätt
Att låna kostar pengar! Om du inte kan betala tillbaka skulden i tid riskerar du en betalningsanmärkning. Det kan leda till svårigheter att få hyra bostad, teckna abonnemang och få nya lån. För stöd, vänd dig till budget- och skuldrådgivningen i din kommun. Kontaktuppgifter finns på konsumentverket.se.
Ansök nu Ansök säkert hos FOREXFOREX kreditkort
Jämför kort- Maxkredit 100 000 kr
- Årskostnad 225 kr
- Effektiv ränta 16,50 %
- Räntefria dagar 55 dagar
- Bonus, Cashback eller Rabatter
- Mobila betalsätt
Att låna kostar pengar! Om du inte kan betala tillbaka skulden i tid riskerar du en betalningsanmärkning. Det kan leda till svårigheter att få hyra bostad, teckna abonnemang och få nya lån. För stöd, vänd dig till budget- och skuldrådgivningen i din kommun. Kontaktuppgifter finns på konsumentverket.se.
Ansök nu Ansök säkert hos EntercardCoop Mastercard Mer
Jämför kort- Maxkredit 150 000 kr
- Årskostnad 0 kr 295 kr
- Effektiv ränta 18,96 %
- Räntefria dagar 55 dagar
- Bonus, Cashback eller Rabatter
- Mobila betalsätt
Att låna kostar pengar! Om du inte kan betala tillbaka skulden i tid riskerar du en betalningsanmärkning. Det kan leda till svårigheter att få hyra bostad, teckna abonnemang och få nya lån. För stöd, vänd dig till budget- och skuldrådgivningen i din kommun. Kontaktuppgifter finns på konsumentverket.se.
Ansök nu Ansök säkert hos nullRevolut Plus
Jämför kort- Årskostnad 450 kr
- Uttagsavgift 2,00 % (min 10 kr)
- Valutapåslag 0,50 %
- Mobila betalsätt
Ansök nu Ansök säkert hos GF MoneyGF Card
Jämför kort- Maxkredit 30 000 kr
- Årskostnad 0 kr
- Effektiv ränta 36,58 %
- Räntefria dagar
- Bonus, Cashback eller Rabatter
- Mobila betalsätt
Att låna kostar pengar! Om du inte kan betala tillbaka skulden i tid riskerar du en betalningsanmärkning. Det kan leda till svårigheter att få hyra bostad, teckna abonnemang och få nya lån. För stöd, vänd dig till budget- och skuldrådgivningen i din kommun. Kontaktuppgifter finns på konsumentverket.se.
Ansök nu Ansök säkert hos RevolutRevolut Standard
Jämför kort- Årskostnad 0 kr
- Uttagsavgift 2,00 % (min 10 kr)
- Valutapåslag 1,00 %
- Mobila betalsätt
Ansök nu Ansök säkert hos nullNorthmill Premium
Jämför kort- Årskostnad 999 - 1 668 kr
- Uttagsavgift 0 %
- Valutapåslag 0 %
- Mobila betalsätt
Some of Our Partners
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Collector
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Bank NorwegianAt Kreditkort.com, we are firmly of the belief that you are the most prominent focus. We aim to find the best credit card for you, something which suits your needs and preferences.
To do this, we list all the options available and review them impartially, ensuring that you are getting the truest representation of each choice on the market in 2026. Of course, we also cover a range of different cards, such as travel credit cards, rewards cards, fuel cards, and much more.
As a result of our extensive reviews, we are always noticing new highlights, and if we ever find a better option, you will be the first to know.
As previously mentioned, you, the reader, are our complete focus. So, this site makes what can be a complicated process as easy as possible.
This means that you can easily, and more importantly, quickly search through all the options, as well as apply for the credit card of your choice in just a few clicks.
We cover a wide range of choices in our guides and reviews for every card on the Swedish market. Below, we have listed the benefits of using us when you want to compare and find the best credit card.
Which is the Best Credit Card?
In our view, Bank Norweigan offers the best credit card for Swedish users in 2026. Whilst being a generally solid option, the added benefit of a fee-free experience, partnered with flexible rewards, means that the card supports you where you want it to.
With a user-friendly platform and a fantastic support team, it is a hassle-free option, indeed.
How Should I Choose the Right Credit Card?
We believe it is important to explain how credit cards are ranked at Kreditkort.com, and there are multiple layers to our ratings process.
Each card is given a brief and longer review to ensure you can get a feel for each option without having to scroll through an extensive review, unless something catches your eye.
We offer an extended comparison and review system to ensure that you are making the right choice for you. Additionally, our credit card guide is another exceptional tool to help make finding your next card the right one.
Try the Credit Card Guide & Find Your Credit Card
Whatever it is that you need help with regarding a credit card, we are here to guide you. We have listed and compared the best credit cards for Swedish users in 2026.
Using the link below, you can access our credit card guide, where completing our two-minute questionnaire will provide some options that are best suited to you.
Comprehensive Reviews of Credit Cards
Every card listed on Kreditkort.com is reviewed without bias by one of our experienced testers. Every aspect of the card is reviewed, whether that be the costs, the bonuses, insurance and much more.
Additionally, we take note of any loyalty schemes to help you find the best card for use and your use.
Whilst we do offer the brief guidance on each, we would always recommend reading our complete reviews to get a complete picture - after all, there is only so much that can be covered in a paragraph!
Furthermore, we encourage peer-to-peer guidance, so if you have any experience with any of the options listed, please leave your thoughts. It is greatly appreciated by other readers and us!
All Card Categories Gathered in One Place
During our time creating and reading other reviews, we have found that categorising the different cards is a major aid, given it aids you to find exactly what you want to find.
Comparisons can be made quickly, and each category has specific pros and cons, rather than a generic view. Indeed, these options are for you, and they cannot be generalised.
To name a few, we have credit cards with low interest rates, virtual credit cards, credit cards with high credit limits, and free credit cards with no annual fee, among a wide range of others.
Quick Comparison of Credit Cards
Finding a new credit card can be overcomplicated and overwhelming, so we try to make the process as easy as possible. From our lists to reviews, you as the reader, are at the heart of everything.
This means you can quickly browse the different options and find something that works for you.
Below are some of the aspects of a credit card that you should take a closer look at when comparing cards here on Kreditkort.com.
- Interest Rate – The interest rate we list in our card lists is the annual percentage rate (APR) that is applied if you choose to pay off your monthly bill in installments.
- Fees – In addition to the annual interest rate when paying the monthly bill in installments, there may also be other annoying fees. From paper invoice charges to annual fees, currency surcharges, and withdrawal fees, we have covered everything fee-related.
- Benefits – Credit cards can come with few or many benefits, as we have learned over the years. Whether it is insurance or lounge access, there may be a perk for you, and we aim to find those for you.
Learn Everything About Credit Cards in Our Guide Section
If this is your first or 40th credit card, there is always something new to learn. Even we are still picking up new information! So, to help make things less complicated. We have divided our guide section into four main categories, which are as follows:
- Credit cards and payments – Basic guides that cover topics such as blocking a card, installment payments for bills, and much more.
- Loyalty programs and cashback – Guides on various bonus programs and cashback. From usage incentives to money back on transactions, we have multiple options available.
- Insurance – Travel insurance, payment protection insurance, and much more. Here you will find all the information about the insurance and protection offered through credit cards.
- Finance – Here we inform you about how different interest rates and costs associated with credit cards work. If you're unsure about what you may need to pay for a card, this is the category for you.
Credit Card Categories
All Credit Cards
Bank Cards
Bank Card for Minors
Fuel Cards
Payment Cards
Payment Remarks
Bonus Cards
Good Creditworthiness
Best Credit Cards
With Cashback
Debit Cards
With Concierge Service
For Retirees
For Students
Business Cards
With Insurance 
Food Credit Cards
With High Credit Limit
Credit Card 50 000
Credit Card 100 000
Crypto Cards
With Lounge Access
With Low Interest 
With Low Creditworthiness- Premium Cards
With Priority Pass
With Travel Insurance 
Travel Cards
Shopping Cards
With Savings Interest
Virtual Cards
Without UC
Without Income
Without Currency Surcharge
Without Annual Fee
Different Types of Cards, Credit Card Issuers and Banks
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How to Apply for a Credit Card
Choose the Credit Card that Suits your Needs and Requirements
We offer a wide range of different credit and pre-paid cards at Kreditkort.com. So, it is important that you consider all the factors to find the right one for you.
Whilst the process can, and is, quick, you cannot rush finding the right thing for you.
Submit an Application for Your Chosen Card
Whether through our lists or a review, you can directly apply for a credit card via the website by tapping 'Apply now'. This will redirect you to the card issuers' website, and these are securely protected.
Wait for a Response to Your Application
Finally, after submitting a card request, a credit report will be requested by the card issuer, which is done by UC AB. If no issues are found, you have a good chance of being approved, which can take as little as 1-2 business days.
Here’s When it’s Worth Getting a Credit Card
There are several reasons and situations when it’s worth getting a credit card:
- Get more out of all your everyday purchases through bonuses, discounts, insurance, and cashback.
- Greater flexibility in payments with interest-free days and free instalment options.
- Avoid fees abroad with a credit card with no foreign exchange or withdrawal fees if you travel frequently.
- Increase financial security by using your credit card as a financial buffer for unexpected expenses.
- It becomes easier to book a rental car, as the majority of rental car companies require a credit card for the deposit.
- You get a clearer overview of all your expenses, as all card purchases are collected in a monthly invoice.
Compare Credit Cards
 |  |  | |
|---|---|---|---|
| Kreditkort | Bank Norwegian | Resurs Classic | Collector Easyliving |
| Årsavgift | 0 kr | 0 kr | 0 kr 195 kr |
| Effektiv ränta | 24,36 % | 29,25 % | 18,67 % |
| Max kredit | 150 000 kr | 50 000 kr | 50 000 kr |
| Gratis extrakort | nej | nej | ja |
| Fördelar |
|
|
|
| Nackdelar |
|
|
|
| Läs mer | Detaljerad info | Detaljerad info | Detaljerad info |
| Ansök |
Compare All Cards
As previously stated, we aim to make this process as simple as possible for you, ensuring you find the right card for you as easily and quickly as possible.
Firstly, establish what you need and want from a credit card, whether that is perks or low costs. Then, use our filters to find a card that works for you.
In our complete list, you can choose between cards with ease and even compare them there and then. Ensuring you are not sent on a wild goose chase for information.
Of course, this means you may also find an option which you had not previously considered.
Compare Credit Cards
By clicking the "compare cards" box at the top right corner, you can compare multiple cards in a clear and structured way.
- Resurs Gold – A credit card with bonuses on all purchases. Customers get up to 150,000 in credit limit and 60 interest-free days.
- re:member flex – A free credit card with several discounts. Additionally, you will have up to 100,000 in credit limit and 56 interest-free days.
- Bank Norwegian – A travel credit card with multiple perks. Offering up to 100,000 in credit limit and 45 interest-free days.
- Collector Easyliving – Credit card with no annual fee and no foreign exchange fee. Up to 100,000 in credit limit and 56 interest-free days.
What Is a Credit Card?
A credit card gives you a purchasing limit for a specific amount to shop with. This is in the form of a loan which needs repaying. With this, you have a timeframe to repay that loan, failing that means you will need to pay fees.
Which Card Should You Choose?
There is no right card for everyone, so you need to pick the one that works for you. Different options will work for different people, so make your choice based on your usage.
Should You Have a Credit Card?
Having a credit card is not essential, and it can be a burden, rather than a benefit, for some. Many people struggle to manage a credit card, and it does come with risks.
Is It Worth Getting a Credit Card?
There is no right answer here, really. It is down to personal preference and usage. Many cards come with an annual fee, and it may cost more than you will save. So, it is worth calculating the savings against the costs.
What is Payment Protection?
Payment protection is an insurance that helps cover your credit card debts if you're unable to pay them off yourself. This can happen if, for example, you lose your job, become ill, or suffer an accident that prevents you from working. Indeed, it is worth considering at the very least.
What is Included in Payment Protection?
- Income protection: Payment protection can cover your monthly credit card debt up to a certain limit if you become unemployed or unable to work due to illness or accident.
- Illness and Accident: If you become ill or sustain a serious injury, payment protection can help cover your credit card debt during the period you are unable to work.
- Unemployment: If you lose your job without any personal fault, payment protection can cover your credit card debt until you find a new job.
What is an Additional Card?
An additional card is an extra credit card linked to the same account as the primary credit card. Here is an overview of what an additional card is and who can get it:
- Linked to the Main Card: An additional card is connected to the primary credit card and shares the same credit limit and account.
- Separate Cards: Although it is linked to the main account, each card can have its own card number and is reported separately on the monthly statement.
- Features: The additional card can have the same features and benefits as the primary card, including reward programs, discounts, and insurance.
Who Can Get an Additional Card?
- Family Members: It is common to give an additional card to a spouse, partner, or other close family member. This can be practical for sharing the credit limit and managing family expenses.
- Adult Children: Some credit card companies offer additional cards to adult children, which can be a way to provide financial assistance without needing to open a separate account.
- Employees: Companies may sometimes apply for additional cards for employees who travel for business purposes or have other work-related expenses.
Benefits of Credit Cards
- Travel insurance: Many credit cards offer automatic travel insurance that covers everything from lost luggage to medical expenses abroad, which can be handy.
- Other insurances: In addition to travel insurance, some credit cards include other types of insurance, such as purchase protection and income loss insurance.
- Reward programs: Many credit cards offer points or cashback on purchases, which can be used for travel, shopping, or other rewards, depending on your provider.
- Discounts: Credit cards can provide discounts at specific stores, restaurants, or services, which can save money over time.
- Security: Credit cards offer protection against fraud and theft, and you are usually not liable for unauthorised purchases.
- Instalments & interest-free periods: The ability to pay off purchases in instalments or take advantage of interest-free periods offers financial flexibility.
- Control over your finances: Credit card statements provide detailed information about your expenses, helping you track your finances and budget.
- Always available credit: Credit cards provide access to a credit reserve that can be used for unexpected expenses or in emergencies.
Disadvantages of Credit Cards
- Can create high costs: If you don't pay off your full balance on time, the interest rates can become very high, causing the debt to grow quickly and potentially become difficult to manage.
- Can encourage instalment payments: The ability to pay for purchases in instalments can lead to buying more than you can afford and accumulating debt that may become hard to repay.
- Annual fees and withdrawal fees: Some credit cards come with annual fees and charges for cash withdrawals, which can increase the overall cost of using the card.
- Same income required next month: If you have a high credit limit and spend a lot, you are often expected to have a sufficiently high income to pay off the full balance each month. If your income fluctuates, it can become difficult to manage payments.
FAQ
Håkan är en erfaren skribent på Kreditkort.com sedan 2021. Håkan fokuserar på att skriva recensioner av kreditkort, skapa informativa guider och publicera nyheter om krediter och kort. Han bygger sina djupa kunskaper inom privatekonomi på både utbildning och praktisk erfarenhet, och testar ofta de kort han recenserar för att få förstahandsinformation.
