Bank Norwegian is the best credit card of 2025. The card is completely free and offers several benefits, such as up to 5% flight bonus or 0.5% cashback on all purchases. The flight bonus can be converted into cheaper flights with Norwegian, while the cashback is directly deducted from your bill.
We have compared and nominated the best credit cards in popular categories.
Bank Norwegian is the best credit card 2025 for traveling. The card offers flight bonus on all purchases that can be redeemed for cheaper trips with Norwegian. You can also choose to have your bonus paid out as cashback. The card is completely free and also offers free cash withdrawals as well as free travel insurance with cancellation protection.
The best credit card that lets you save money through generous discounts is re:member flex. With the card, you get discounts of up to 25% at over 300 different stores online, as well as a fuel discount at Preem. You also get access to exklusive discounts every month through Super Dealen. re:member flex is completely free and offers free additional cards.
The Resurs Gold credit card offers 0.5 bonus points per SEK spent, on all purchases. This means you also get bonus points on invoice payments and cash withdrawals. Use your bonus in the Resurs Points Shop and exchange your points for products, experiences, gift vouchers, and much more!
We consider Collector Easyliving to be the best credit card without foreign exchange fees on the market 2025. The card has no annual fee the first year and has a 0% foreign exchange fee on all purchases abroad. It also offers many comprehensive insurances and a free additional card.
Kortio credit card is a feature that allow you to apply for several credit card simultaneously with just one credit check (UC). The single credit check that is carried out is used to determine which card or cards you are approved for. This not only increases your chances of getting a credit card, it also lets you avoid unnecessary credit checks.
Alltomkreditkort provides unbiased comparisons and reviews of all credit cards in Sweden. Whether you're looking for a credit card with a low interest rate, comprehensive insurances or generous discounts, we can help you find cards that match your preferences. Read our in-depth reviews and apply for the credit card that best suits your needs.
Our goal at Alltomkreditkort.se is to make it easy and clear to compare the advatanges and disadvantages of credit cards. We also give valuable tips on how to use a credit card correctly.
All editors at Alltomkreditkort.se have both extensive experience and a genuine interest in credit cards. Read more about us here.
A credit card provides a spending limit each month, similar to a loan. Typically, you have 30-60 interest-free days to repay the used credit before interest is added. Interest is only charged on the remaining debt after this period. Credit cards also offer benefits such as bonus points and travel insurance, but it is important to use them responsibly to avoid high interest costs.
For those who find it difficult to select the right credit card, we have created the "Credit Card Guide." In our guide, you answer 6 simple questions and receive a personalized recommendation for a credit card that suits your needs.
Since you're visiting Alltomkreditkort, it's likely that you're looking to get a credit card. But which one should you choose? And what should you look for when comparing credit cards? In our lists, we present all credit cards based on annual fees, interest rates, interest-free days, and credit limits. Additionally, we've highlighted the benefits we consider to be the best for each individual credit card.
Below, you can read more about how we compare credit cards, the benefits that credit cards can offer, and key factors to consider when figuring out which is the best credit card 2025 for you.
When choosing a credit card, we recommend that you base your decision on the reason why you want a credit card. Your needs should guide your choice and determine which card is the most beneficial. The card that gives you the most benefits at the lowest cost is the best credit card 2025 for you.
If you're planning an international vacation, you should bring a secure payment option. In that case, you should compare credit cards based on the costs that arise when the card is used abroad. You can also compare travel insurance and what other travel benefits the cards offer. These travel benefits may include lounge access or discounts on flights and hotels.
Do you want a credit card that generates bonus points on all purchases? The points offered by credit cards can be exchanged for products, experiences, flight tickets or gift cards. In that case, you should focus on the bonus level. Some cards offer no bonus at all, while others provide value worth over 1-2,000 SEK per year. The bonus level should also be weighed against a possible annual fee.
Are you looking for a convenient credit option? Do you want the credit card as an economic buffer and the ability to pay for purchases in installments? If so, it's primarily the fees and interest rates you should compare. In this case, the best credit card 2025 may offer long interest-free installments and lower interest rates, making it significantly cheaper.
Some credit cards offer comprehensive insurances that creates security when shopping. This could include price guarantees, extended warranties and delivery insurance. Many of these cards also offer high discounts when shopping online.
The points presented in the table are just a few of the factors you should consider when choosing a credit card. To get a better understanding of the different cards, you need to read the reviews. But above all, ask yourself why you want a credit card. This will help you determine what factors to prioritize in your search for the best credit card.
Below we will further explain the meaning of the data that is shown for each credit card.
The interest we specify is the annual interest rate applied to the used credit if it is not paid back in full via the monthly invoice.
The credit card invoice will always show how much credit has been used. If you choose to pay the full amount back, the credit is cleared, and no interest fee is charged. However, if you choose to pay the invoice in installments, an interest fee will be added to the portion of the amount that remains. The interest rate we list in the table is the nominal interest rate. It can be beneficial to choose a credit card with a low interest rate if you know you'll be paying off your invoice in installments.
Remember that additional fees may apply when paying in installments. A better way to compare the total costs of credit cards (interest, fees, etc.) is to look at the effective interest rate.
Credit is the maximum amount you can spend with the card before repayment must occur.
When you apply for a credit card, you specify the amount of credit you desire. Choose a credit card with a high credit limit if you want the ability to access a larger credit amount each month. After a credit check, the lender will decide whether to approve the requested credit or offer you a lower limit. Even if you apply for a credit limit of 50,000 SEK, you may be approved with a limit of 20,000 SEK. If you have a credit limit of 20,000 SEK and spend that amount, you will not be able to make additional purchases until the credit is repaid. After owning your credit card for a certain period, it is often possible to apply to increase your credit limit.
Interest-free refers to the interest-free period that applies when making purchases with the card.
All credit cards have an interest-free period. This period is the time between making a purchase and when repayment must occur, without interest being charged. If you repay the full credit amount before the ens of the interest-free days, no interest will be charged. The date the invoice is sent and the number of days you have to pay the invoice varies. In short, the interest-free period is the maximum time you can use the credit without interest being charged.
**Example:** You purchase a product on January 18th for 500 SEK. The purchase is listed on the invoice sent out in mid-February. You then have 10 days to pay the invoice. From the time you bought the item to when the invoice is due, in this case, it is 42 days. This is your interest-free period.
The annual fee is the cost of owning a credit card, and is usually paid once per year or split into monthly payments.
There are credit cards without an annual fee, as well as those with an annual fee of up to several thousand SEK. The most common annual fee is a few hundred SEK per year. If you use a credit card with bonuses or discounts regularly, you can earn back significantly more than the cost of the card. However, if you plan to only use your credit card as a buffer or on rare occasions, it may be more beneficial to choose a credit card without an annual fee.
All credit cards have different advantages. In our reviews we present at least three unique benefits for each credit card.
The biggest factor that differentiates credit cards from each other is their benefits. One card may offer significant discounts at a grocery chain, while another card has a low interest rate. We have selected three unique benefits for each card and presented them in all credit card lists. This way, you get a better overview of which card is suitable for you.
In the reviews we also clarify all the specific advantages and disadvantages with each card.
When you submit an application for a credit card, the lender performs a credit check through Upplysningscentralen (UC).
There can be many underlying reasons why you may be denied a credit card:
There are many benefits to using a credit card. Below, we list 7 valuable benefits offered with different credit cards:
Compare the different advantages and disadvantages of credit cards.
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| Kreditkort | Bank Norwegian | Resurs Gold | Coop Mastercard Mer |
| Årskostnad | 0 kr | 245 kr | 0 kr 295 kr |
| Högsta kredit | 150 000 kr | 150 000 kr | 150 000 kr |
| Effektiv ränta | 25,59 % | 33,67 % | 19,45 % |
| Gratis extrakort | Nej | Nej | Ja |
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Which credit card is the best 2025 is completely individual. Everyone has different spending habits and needs that affect their choice of credit card. Therefore, not everyone will consider the same credit card to be the best.
We help you find the credit card that is best suited for you by presenting the most popular credit cards in various categories and highlighting both the advantages and disadvantages of these cards. It is then up to you to compare the cards and find the best credit card 2025 for you.
Yes, a credit card can be beneficial if you use it in a responsible and sensible way. If you are in control of your finances and never spend more than you can afford, a credit card can be good for you. However, getting a credit cards is not a good choice for those who have had payment difficulties in the past. For people who spend more than they can afford to repay, credit cards can pose a risk to their personal finances.
The most beneficial credit card is Resurs World. It is considered the most advantageous because it offers interest-free days, a bonus program, insurance, no annual fee, and much more.
Key features that define a beneficial credit card, according to our experts:
Here you will find our own experiences of carefully selected credit cards that we have acquired and tested ourselves. We explain the application process in detail and thoroughly review the card's strengths and weaknesses.
Mitt namn är Håkan och jag har varit skribent på Alltomkreditkort.se sedan 2021. Mina huvudsakliga uppgifter är att skriva recensioner av kreditkort på webbplatsen där jag grundligt går igenom alla för- och nackdelar för att hjälpa besökarna att välja rätt kort. Jag håller mig även uppdaterad kring vad som händer i kreditkortsvärlden och skriver nyheter.
