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.
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.
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.
We’ve concluded that most Norwegian credit cards come without annual fees. The emphasis on “most” is because there are still a handful of cards that do cost money to keep in your wallet. Owning these cards can range from a few hundred to several thousand kroner per year.
Does this mean that paid credit cards offer more or better benefits than free ones?
Not necessarily.
Most paid credit cards include two advantages that free cards typically don’t offer:
At the same time, these paid cards may actually offer fewer discounts and weaker insurance packages compared to the best free alternatives.
In the end, it all depends on what you want to use the card for. Do you travel frequently and enjoy relaxing in airport lounges around the world? Then a credit card with an annual fee might be perfect for you.
If you rarely find yourself at airports and are more interested in saving money with your credit card, one of the best free credit cards is probably all you need. Here are some examples of cards you can get without paying an annual fee:
No, you won’t get free access to airport lounges with these cards. However, the insurance packages that come with them are fully on par with those offered by cards that charge an annual fee. And you’ll have a hard time finding a paid credit card that gives you as many discounts as these free ones do.
Are VIP perks important to you — such as lounge access or earning extra points in programs like SAS Eurobonus or Flying Blue? In that case, it might be worth choosing a credit card with an annual fee, even if it’s more expensive than other options.
In almost all other situations, however, it pays to choose a card without an annual ownership fee. Here’s how to find the best free credit card for your needs:
Use this list when comparing credit cards. We’ve created a helpful credit card selector that makes it easy to get started.
A credit card that has it all? Sorry — it doesn’t exist. However, there’s nothing stopping you from combining the benefits of different cards. You can own more than one credit card. If you want to enjoy the exclusive perks that come with paid cards while also taking advantage of the discounts and bonuses offered by free ones, simply apply for multiple cards.
That way, you can use one card to access airport lounges, while the other helps you save money on everyday purchases.
Just be aware of the potential downside: it’s the total credit limit, not your actual outstanding debt, that appears in the credit registry. For example, if you have a credit card with a limit of NOK 100,000, that full amount will be listed as available credit — even if you haven’t used a single krone. The higher your registered credit and debt, the more difficult it may become to, say, get approved for a mortgage.
Is it worth paying an annual fee just to own a credit card? For most people, the answer is no. There are plenty of credit cards that offer great benefits — without costing you anything.
The exception mainly applies to frequent travelers who value the extra comfort that comes with credit cards charging an annual fee. We should also mention SAS Eurobonus members, as there are several credit cards that allow you to earn Eurobonus points on all your purchases. Here are a couple of examples:
These cards cost 4,615 kr and 2,335 kr per year, respectively. They don’t offer discounts or free insurance, but they let you earn up to 25 Eurobonus points per 100 kr spent. If you spend 30,000 kr per month, you’ll earn 54,000 points in a year — enough for five bonus trips with SAS Go within Scandinavia.
The point is this: you can still save a lot over the course of a year, even with a paid credit card. It all depends on how you use the card and what benefits matter most to you.
Our suggestion:
Think carefully about what needs your credit card should meet. Then use our comparison tool to find out which card suits you best.
In the table below, you’ll find several credit cards that come without an annual fee — meaning you don’t have to pay anything extra to own them.
However, be aware that these cards may still include other fees, such as charges for cash withdrawals. Therefore, you should always check what additional costs may apply beyond the interest rate on credit card debt.
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| Kredittkort | TF Bank Mastercard | re:member Black | Bank Norwegian kredittkort |
| Årskostnad | 0 kr | 0 kr | 0 kr |
| Maks kreditt | 200 000 kr | 150 000 kr | 150 000 kr |
| Effektiv rente | 26,69 % | 30,33 % | 24,40 % |
| Gratis ekstrakort | Nei | Ja | Nei |
| Eksempel på kredittkortrenter |
Eff. Rente 26,69% kr 25.000/12 mnd, kost. 3 337 totalt kr. 28 337
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Eff. rente 30,33 % basert på et eksempel på kr 15 000 nedbetalt over 12 måneder. Kostnad kr 1 717 Samlet kredittbeløp vil da bli kr 16 717.
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Effektiv rente 24,4 %, 15 000 kroner over 1 år. Kostnad: 1 849 kroner. Total: 16 849 kroner.
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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.
