Bank Norwegian is the best credit card 2026. The card is completely free and offers several benefits, such as up to 5% bonus or 0.5% cashback on all purchases. The 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.
We consider re:member flex to be the best credit card for shopping on the market 2026. The card has no annual fee and offers upp to 25% discounts at over 300 stores online. Once a month users also get exklusive discounts thought the SuperDeal at selected partners.
Bank Norwegian is the best credit card 2026 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.
Swedbank Mastercard is one of the best cheap credit cards on the market. It comes with a low effective interest rate and up to 55 interest-free days, giving you plenty of financial flexibility at a minimal cost. The card is also available without an annual fee for the first year.
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.
Northmill Visa is the best debit card for traveling since the card offers free cash withdraws and free currency exchanges. This allows you to use the card abroad without having to pay nay extra fees, while keeping complete control of your spendings.
Credit cards offer a flexible line of credit that allows you to borrow money to make purchases, and pay it back later. All your credit card payments are collected and combined into a single monthly statement, which you can choose to pay in full or in installments.
Typically, you have 45-60 interest free days, which means that if the used credit is repaid within this period, no interest is charged. If you choose to repay the credit in installments, interest will be added to the outstanding amount that has not been repaid.
Many credit cards offer benefits such as bonus, discounts and insurances. There are also more exclusive credit cards with benefits like lounge access, Fast Track and complimentary experiences.
When used responsibly, a credit card can offer many advantages and enhance your financial health. However, it is essential to only use a credit card for purchases you can afford and that the used credit line is repaid on time.
Since you're visiting Alltomkreditkort, it's likely that you're looking for a credit card., but which one should you choose? And what should you look for when comparing credit cards?
In our lists, we present key factors for each credit card, such as annual fees, interest rates, interest-free periods, 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, different benefits that credit cards can offer and important factors to consider when choosing the best credit card 2026 for you.
When choosing a credit card, start by considering why you need it and how you plan to use it. Your needs should guide your choice and help you determine which card offers the most value for you. The best credit card 2026 for you is the one that offers the most benefits at the lowest cost.
Below we will further explain the meaning of the data that is shown for each credit card.
The interest rate we show is the annual cost of borrowing money and only applies if you do not pay the full amount on your monthly credit card bill in time.
Your credit card bill will always show how much credit has been used. If you pay the credit back in full, 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. In our lists we show both the nominal interest rate and effective interest rate. It can be beneficial to choose a credit card with a low interest rate if you plan to pay your credit card bill in installments.
Remember that additional fees may apply when paying in installments. The best way to compare the total costs of credit cards (interest, fees, etc.) is to look at the effective interest rate.
The credit line is the maximum amount you can spend with the card before repayment must occur.
When you apply for a credit card, you specify how high of a credit line you want. Choose a credit card with a high credit limit if you want the ability to access a larger credit line each month. After a credit check, the lender will decide whether to approve the requested credit line 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.
The interest-free period is the time you can use your credit card without paying interest on your purchases.
Almost 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 within the interest-free period, 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.
**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 that offer bonus 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 backup 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 | re:member flex | Coop Mastercard Mer |
| Årskostnad | 0 kr | 0 kr | 0 kr 295 kr |
| Högsta kredit | 150 000 kr | 120 000 kr | 150 000 kr |
| Effektiv ränta | 24,36 % | 8,12 - 18,91 % | 19,20 % |
| Gratis extrakort | Nej | Ja | Ja |
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The most beneficial credit card is Bank Norwegian. 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:
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.
Collector
Swedbank
GF Money
Bank Norwegian
Coop
re:memberFor 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.
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.
