Find the Best Credit Card in Norway
- Comparison of All Credit Cards in Norway
- Thorough reviews of 300+ credit cards
- Best-in-Test Credit Cards in All Categories
We have named TF Bank Mastercard the best credit card in Norway in 2025 due to its monthly discount program and the absence of fees.
Best Credit Cards in Different Categories 2025
Best no-fee credit card: TF Bank Mastercard
TF Bank Mastercard is a no-fee credit card with benefits that surpass most others. It includes several free insurances and hundreds of discounts of up to 30%. With Apple Pay and Google Pay integration, you can make secure and convenient payments using just your mobile phone.
- Rabatter hos hundrevis av forhandlere
- Kontaktløs betaling med Apple Pay og Google Pay
- Flere komplette forsikringer
- Gratis kredittkort med lave gebyrer
Best credit card for travel: Bank Norwegian
Bank Norwegian is the best credit card for travel. The card offers fee-free cash withdrawals abroad and free travel insurance. Travel for less with CashPoints, which you earn on every purchase made with the card. These points can be redeemed for flights and other travel products from Norwegian.
- Gratis uttak av kontanter
- CashPoint eller Cashback – Bonus på alt du kjøper
- Gratis forsikringer
Best credit card with rewards: Morrow Bank kredittkort
Morrow Bank Mastercard is the best rewards credit card. You earn 1–4% reward points on all your purchases. The maximum bonus payout is 500 points per month or NOK 2,000 per year.
- Bonus på all handel (4 % hos Komplett.no)
- Gratis reise- og avbestillingsforsikring
- Gratis ID-tyveri- og kjøpsforsikring
Summary of the Best Credit Cards 2025
- Best no-fee credit card: TF Bank Mastercard
- Best credit card for travel: Bank Norwegian
- Best credit card with rewards: Morrow Bank kredittkort
What is a credit card?
A credit card is a payment card that gives the user access to credit, typically within a certain limit. Using a credit card means that you borrow money from the credit card company to pay for goods or services, and then repay the amount later. You can choose to pay the full balance or a portion of it by the due date, or just the minimum amount required by the credit card company. If you don’t pay the full amount by the due date, interest and fees will apply.
Credit Card Benefits
- Secure payments: It is safe to pay with a credit card. If you’re scammed or the seller goes bankrupt, you have stronger rights if you paid with a credit card. You can file a claim with the credit card company. The same applies if the product or service you bought has significant defects.
- Overview: Credit cards provide a detailed overview of your purchases, both large and small, making it easier to keep track of your finances. All transactions appear on your card statement or in the card issuer’s app.
- Deferred payment and interest-free credit: You can postpone payment and get interest-free credit as long as you pay the full balance by the due date. This gives you flexibility to buy things even if you don’t currently have the funds.
- Included insurance: Many credit cards include insurance such as travel and cancellation insurance, purchase protection, and ID theft coverage. These are usually comprehensive policies. Check what’s included with your credit card.
- Bonus and cashback: Many credit cards in Norway offer bonuses and cashback. Some offer points on all purchases, while others offer rewards for specific products or merchants. Cashback can reduce your credit card bill, and points can be exchanged for goods and services.
- Discounts: Some cards offer significant discounts on various categories of goods and services or from specific partners.
- Other perks: Examples include access to airport lounges, low foreign exchange fees, or fee-free cash withdrawals. Check what benefits come with your card.
Credit Card Drawbacks
- High interest rates: The main disadvantage of credit cards is the high interest rates. If you don’t repay the full balance, interest charges start accumulating quickly.
- You must monitor your spending to ensure you can repay what you owe when the bill comes. For those with poor financial control, credit cards can quickly lead to expensive debt and further financial difficulties.
- Not ideal for all transactions: While some credit cards allow fee-free cash withdrawals, interest usually accrues immediately. The same applies to money transfers and bill payments made with a credit card. These transactions can be more costly than regular purchases, so consider alternative payment methods.
Difference Between Credit and Debit Cards
The key difference is how and when money is deducted.
- Debit card: Funds are immediately withdrawn from your linked bank account. You can only spend what you have.
- Credit card: You borrow money for purchases and repay it later.
Credit cards often come with extra benefits such as insurance, cashback, points, and discounts, while debit cards typically offer fewer perks.
Why Should I Have a Credit Card?
A credit card gives you the flexibility to buy things even if you don’t currently have the funds, which is useful in emergencies. It’s also safer and provides better consumer rights than cash or debit card payments. Plus, you can earn discounts, rewards, cashback, and enjoy included insurance.
How to Find the Best Credit Card for You
With 300+ cards available, choosing the right one can be tough. Think about how you’ll use the card:
- For travel: Look for cards with travel benefits like free insurance and discounts on flights, hotels, and car rentals. Check foreign transaction fees.
- For shopping: Some cards reward your purchases with points or discounts, online or in-store.
- For fuel: Some cards offer significant discounts on gasoline and diesel, either as “fuel cards” or as part of a broader benefit package.
- As a financial buffer: Consider the number of interest-free days and the interest rate for unpaid balances.
If you're unsure, take our credit card test. We’ll recommend cards based on your needs. We’ve also reviewed all Norwegian credit cards in detail.
3 Tips for Responsible Credit Card Use
- Avoid cash withdrawals: They usually come with high interest and fees. Interest often starts accruing immediately, unlike regular purchases.
- Plan your credit card use: Track your income and expenses, and budget your card spending. Make sure you can repay the amount used.
- Pay for travel with your credit card: Most credit cards include travel insurance if you pay at least 50% of travel costs with the card.
Credit Cards Aren’t for Everyone
Credit cards are often blamed for financial troubles, but responsible use can increase your financial flexibility. A credit card lets you borrow now and repay later. Following a few simple principles can help you avoid debt:
- Be disciplined
Only borrow what you can repay by the next due date to avoid interest. - Pay more than the minimum
If you carry a balance, repay as much as you can, as quickly as you can. Credit card debt is expensive. - Don’t apply for cards you don’t need
Stick with one unless you have a strong reason for more.
Frequently Asked Questions
Here’s a selection of our partners
Hei, mitt navn er Bengt. Jeg er finansjournalist på Bestekredittkortet.com. Jeg har skrevet for dette nettstedet i flere år. Jeg har bakgrunn fra både media og finans (jeg startet yrkeskarrieren min i bank). For tiden fokuserer jeg skrivingen om rabattene du kan få med kredittkort, cashback og hvilke reisekort som har flest fordeler.
