Bank Norwegian
- Maxkredit 150 000 kr
- Årskostnad 0 kr
- Effektiv ränta 25,59 %
- Räntefria dagar 45 dagar
Best Free Credit Card 2025
We have collected all the best free credit cards of 2025 below. Compare the cards against each other to find a free credit card that suits you.
re:member flex
Jämför kort- Maxkredit 120 000 kr
- Årskostnad 0 kr
- Effektiv ränta 8,10 - 19,84 %
- Räntefria dagar 56 dagar
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.Bank Norwegian
Jämför kort- Maxkredit 150 000 kr
- Årskostnad 0 kr
- Effektiv ränta 25,59 %
- Räntefria dagar 45 dagar
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.Resurs Classic
Jämför kort- Maxkredit 30 000 kr
- Årskostnad 0 kr
- Effektiv ränta 29,25 %
- Räntefria dagar 60 dagar
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.Northmill
Jämför kort- Maxkredit 0 kr
- Årskostnad 0 kr
- Effektiv ränta 0,00 %
- Räntefria dagar 0 dagar
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.
What You Need to Know About Free Credit Cards
It might not be perfectly clear what a free credit card really is. Is it a card with no annual fee, free credit, or no billing fees? In most cases, a free credit card simply means a credit card with no annual fee, meaning a card you can own and use without paying for it. However, almost all of these cards may still have other additional fees such as administration fees or foreign transaction fees. Additionally, if you choose to pay your credit card balance in installments, interest fees will be applied. The advantage of free credit cards is that, although they are free, many of them still offer several benefits such as discounts, insurance and bonuses.
Common Credit Card Fees
Invoice fee
Many credit cards charge a fee for sending paper invoices, usually ranging from 15 - 40 SEK per invoice. However, almost all credit cards offer the option of replacing a paper invoice with a digital invoice. A digital invoice is almost always free of charge. American Express is one of the few credit cards providers that offers free paper billing.
Interest
All credit cards are equipped with interest and interest-free days. The interest rate varies from card to card but typically ranges from 10-30%. The number of interest-free days offered also varies depending on the card, but is usually 30 to 60 days. If you pay your credit card invoice within the interest-free period, no interest will be charged and no additional cost will be added to your invoice. If you choose to pay your credit card bill in installments, interest will be added to the remaining balance.
In order to pay your invoice in installments at the lowest possible cost, you should choose a credit card with a low interest rate. By using a free credit card and sticking to the habit of continuously paying your credit card bill in full within the interest-free dats, the credit card will be free to own and use.
Currency exchange fees
When you use a card for payments and transactions in in a foreign currency, an extra fee of 1-3% will usually be charged, this fee is called a foreign exchange fee. The foreign exchange fee is added to the total amount of your transaction, when the transaction is made in a currency other than SEK. This goes for transactions made when traveling abroad but also when shopping online at stores where payment is made in other currencies such as EUR and USD.
Collector Easyliving is one of a few credit cards without a currency exchange fee. This means that Easyliving does not charge an extra fee for transactions in other currencies.
Cash withdrawal fee
Withdrawing cash from an ATM using a credit card often comes with fees. Typically, the cost is around 2–3% of the total wtihdraw amount, with a minimum fee of around 30 SEK. Some credit cards apply withdrawal fees both domestically and internationally, while others offer free cash withdrawals in Sweden but charge a fee for international withdrawals, or the other way around.
Additional fees
If you miss a credit card payment, you may incur interest charges as well as additional fees, such as late payment and reminder fees. However, by paying at least the minimum amount before the due date, you can avoid these extra costs.
Is a Free Credit Card Always the Best Option?
Advantages
- Buffer - Free credit cards are an excellent choice if you plan to keep your credit card as a buffer and to only use it in case of unforeseen events. For example, if you need to buy a new dishwasher, paying in installments can help spread out the cost and minimize the impact on your monthly budget.
- Benefits - Many credit cards with no annual fee, can be used as virtual credit cards and come with perks that can benefit cardholders. Earning bonus points, cashback or receiving discounts on your everyday purchases is a great way to save money. If the credit card is free, you can enjoy these benefits at no extra cost.
- Avoiding fees - Choosing a free credit card that also waives fees like currency exchange fees is a smart way to save money.
- Interest-free days - As mentioned earlier, all credit cards have a certain number of interest-free days, including free credit cards. For example, Resurs Classic is a free credit card with 60 interest-free days, giving you approximately two months to pay off your purchases without incurring interest charges.
Disadvantages
- Do not get blinded - Just because it is possible to get a credit card for free, it does not necessarily mean it is the best choice for you. Many people focus solely on the lack of an annual fee without considering other costs, such as withdraw fees, interest rates, or limited benefits. In some cases, a card with an annual fee may actually be more cost-effective if it offers valuable perks like cashback, travel rewards, or insurance.
- Fewer benefits - Credit card without an annual fee generally offer fewer or more limited benefits compared to cards with a yearly fee. This is because premium cards provide more generous perks to justify the cost. However, many free credit cards still carry valuable benefits for cardholders.
Is a Free Credit Card Right for You?
A free credit card is really for everyone. If you use a credit card for all your purchases, there may be cards with an annual fee that have higher rewards like bonuses and discounts, which can ultimately be a cheaper option in the long run. However, a card that does not have an annual fee does not cost anything if you do not use it. A free credit card can therefore be used as a backup card or in case of emergencies.
Compare Free Credit Cards With Money
All credit cards are precharged with money in the form of credit. The most important thing when comparing free credit cards with money is to find a card with perks and low additional fees that are suitable for you. If a credit card carries a perk that does not benefit you, it will probably not be the best choice of card, regardless if the card is free or not. Since free credit cards are equipped with such a big variation of benefits, you can be sure to find at least one perk that suits you.
Compare different free Mastercards, Visa cards and Amex cards, and weed out the cards that do not align with your personal preferences. Focus on the features that provide the most value to you.
Which Is the Best Free Credit Card?
As mentioned earlier, there are various niches to consider when selecting a credit card without an annual fee. These include travel cards, petrol cards, and cards offering bonuses or cashback. It is important to remember that a free credit card is not necessarily the best option just because it lacks an annual fee. If you are planning to use the card while traveling, key factors to prioritize include travel insurance, flight bonuses, and low or no foreign transaction fees. Good options here are:
- Bank Norwegian
- SAS Amex Classic
- Amex Green
- TUI Card
If your main goal is to use a credit card for shopping, consider one that offers cashback, discounts, bonuses, or purchase protection. The best options here are:
- re:member flex
- Bank Norwegian
- Preem Mastercard
- Gekåskortet
Keep in mind that the best credit card does not necessarily have to be the best option for you. What matters most is finding a free credit card that aligns with your spending habits and financial needs.
Are Free Credit Cards as Cheap as They Seem?
How cheap your credit card turns out to be ultimately depends on how you use it. If it stays in a drawer at home, it will not cost you anything since there is no annual fee. When used exclusively for purchases within Sweden, all cards remain free to use. However, if you use your card abroad or for cash withdrawals, fees such as withdrawal charges and currency exchange surcharges will apply.
Even a free credit card can become expensive if you forget or intentionally delay a payment. Interest rates are typically around 20%, and additional fees such as administrations fees and late payment fees may also apply.
Compare Popular Free Credit Cards
 |  |  | |
|---|---|---|---|
| Kreditkort | Resurs Classic | re:member flex | Bank Norwegian |
| Årsavgift | 0 kr | 0 kr | 0 kr |
| Effektiv ränta | 29,25 % | 8,10 - 19,84 % | 25,59 % |
| Max kredit | 30 000 kr | 120 000 kr | 150 000 kr |
| Gratis extrakort | nej | ja | nej |
| Uttagsavgift | 2,97 % (min 35 kr) | 3,00 % (min 35 kr) | 0 % |
| Valutapåslag i utlandet | 1,97 % | 2,00 % | 1,99 % |
| Aviavgift | 39 kr | 39 kr (0 kr e-faktura) | 45 kr (0 kr e-faktura) |
| Påminnelseavgift | 60 kr | 60 kr | 60 kr |
| Förseningsavgift | 145 kr | 125 kr | 95 kr |
| Övertrasseringsavgift | 145 kr | 95 kr | 0 kr |
| Dröjsmålsränta | 27,32 % | 0,00 % | 24,00 % |
| Läs mer | Detaljerad info | Detaljerad info | Detaljerad info |
| Ansök | Ansök | Ansök | Ansök |
Key Factors to Consider for Free Credit Cards
Before applying for a free credit card, it is important to fully understand how credit cards work. If you are unable to pay your bill on time, the card can quickly become anything but free. You should also have a solid understanding of your finances and the discipline to avoid overspending. Additionally, setting up a reliable bill-payment routine can help ensure you never miss a payment.
You should also make sure that you fulfill the basic requirements for a credit card, otherwise the application will automatically be denied. When applying for a credit card, the card issuer conducts a credit check to assess your financial situation. Based on the information given in a credit check, they determine whether you qualify for a card or not. Each card issuer has different requirements, however, there are a few basic requirements that all credit card issuers follow;
- You must be at least 18 years old
- You must be a registered resident in Sweden
- You must have some form of income
- You must not have any payment defaults or debts
Keep in mind that some cards will require you to be ever older than 18 years old, or that you have a certain minimun income. Make sure you meet the requirements of the card before applying for it in order to avoid an unnecessary credit check.
Applying for a Free Credit Card - Step by Step
Personal information and contact details
Enter your personal identification number and contact details in the application form. In most cases, you also need to provide information about your income, employment status, and housing situation.
UC credit check
A credit check is conducted by UC, and the information is sent in real-time to the card issuer. Based on the credit report and the details you provided, the credit issuer determines whether you qualify for credit card and the approved credit limit.
Sign the Credit Card Agreement via BankID
If your application is approved, you will receive a contract outlining the card’s terms and conditions. You will then have to sign it using your BankID.
Activate the credit card
The credit card will be sent home to your registered adress. In some cases, you may need to activate it through the card issuer's app, while others cards activate automatically upon first use when you enter the correct PIN during a payment.
Alternative Options to Free Credit Cards
The alternative options available to you will depend on how you intend to use the card. If you plan to use it frequently for everyday purchases or occasionally for larger transactions, a credit card with an annual fee and high rewards could be a better option. In many cases, the bonuses, cashback, or other perks can outweigh the annual fee, allowing you to receive a higher value than the cost of the card.
An example of this can be the expensive but exclusive SAS Amex Elite. The card has a high annual fee but if you spend enough money with the card, you can receive two 2-for-1 worldwide flight tickets. You also have the possibility to reach both gold- and diamond status giving you even more travel perks.
Free debit cards
Another alternative to a free credit card is a free debit card. Debit cards are linked to an account that you must top up with funds before making transactions, meaning there is no credit involved. One key advantage of debit cards is that the application does not affect your credit report, allowing approval even if you have payment defaults or outstanding debt.
Many free debit cards offer similar benefits to credit cards, for example, Revolut Standard and Northmill Visa.
FAQ - Free Credit Cards
Mathilda är en kunnig och passionerad innehållsansvarig som har varit en del av Kreditkort.com sedan 2021. Hennes stora intresse och kunskap om kreditkort har gjort henne till en ovärderlig medlem av vårt team. Mathilda är inte bara en expert på att spara pengar med hjälp av kreditkort, hon är också en ivrig användare själv.
