TF Bank Mastercard has no annual fee, and cash withdrawals are free both in Norway and abroad.
TF Bank Mastercard is the best no-annual-fee credit card. You don’t pay an annual fee, and there are no fees for withdrawing cash in Norway or abroad.
Bank Norwegian’s credit card is the best no-fee travel credit card. It includes free cash withdrawals abroad and earns you CashPoints on all purchases, which can be used for flight tickets.
re:member black is the best no-annual-fee cashback card. It gives discounts at hundreds of stores and online shops and includes up to 45 days of interest-free credit.
This card gives you points on all purchases, a monthly bonus cap of 500 kr, and free travel insurance.
re:member Gold is not only free of annual fees but also has a low effective interest rate, making it especially attractive for partial repayments.
All of the above cards are also featured in our list of recommended credit cards.
There are nearly 300 different credit cards available in Norway, and most of them have no annual fee. Using them is also free, aside from the cost of the goods and services you purchase.
It’s absolutely possible to save money with credit cards. Many cards offer discounts, bonus points, or cashback on purchases, and some even include free travel and cancellation insurance.
No-fee credit cards can also serve as a financial buffer while you build up your savings. And when you use them for everyday purchases, their perks can help you get more value out of your spending.
That said, there can still be extra costs, but the good news is that the best cards make it easy to avoid most of them.
Many people ask whether credit cards cost money to own.
The answer: some cards do charge an annual fee, a fixed amount you pay once per year, regardless of whether you use the card.
Most Norwegian credit cards do not have an annual fee. When they do, it’s usually because they offer exclusive benefits, such as premium travel perks or concierge service.
Example:
Owning an American Express Platinum costs 7.800 kr per year, but you get:
Not at all. Banks still make money through:
A “free” credit card simply means no annual fee but there can still be other charges:
No single card includes all these fees, but it’s wise to compare cards before applying.
The only unavoidable fee is usually the foreign exchange fee, which applies to nearly all cards.
Not necessarily. Cards with annual fees often include:
But many free cards offer equally good or even better insurance and cashback programs.
If you rarely travel or don’t care about VIP airport lounges, a no-fee card is likely the best option.
Examples:
For most people, the answer is no. The best free cards offer plenty of benefits.
However, frequent travelers or those collecting SAS Eurobonus points may benefit from paid cards such as:
These cost 2,335 – 4,615 kr per year, but you can earn up to 25 Eurobonus points per 100 kr spent, potentially covering several free flights per year.
Free credit cards are usually the best choice for most people. They offer great value without the ongoing cost of ownership. However, if you frequently travel or value exclusive perks, a paid card might still be worth it.
Tip: Think about what you need from a credit card, then compare both the fees and the benefits to find the best match for your lifestyle and finances.
Compare credit cards with no annual fee in the table below.
Remember: some cards may still include other charges such as withdrawal or currency fees.
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.
