Credit Card Guide
For those who find it difficult to select the right credit card, we have created the "Credit Card Guide." In the guide, you answer 6 simple questions and receive a personalised recommendation for a credit card that suits you.
Compare Credit Cards & Find the Best One For You
- Impartial comparison of credit cards
- Over 200+ in-depth reviews
- Top lists of the best credit cards in all categories
Best Credit Card 2025:
Bank Norwegian
We designate Bank Norwegian as 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.
Compare the Best Credit Cards 2025
Here, we compare the best credit cards in popular categories so that you can easily find a credit card that suits you.
Best Credit Card 2025 for Travel
Best Credit Card 2025 With Discounts
Best Bonus Card 2025
Best Free Credit Card 2025
Best Credit Card Without Foreign Exchange Fees 2025
Best Credit Card 2025 for Travel: Bank Norwegian
Bank Norwegian is the best credit card 2025 for travel. The card offers flight bonuses 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.
- Bonuspoäng eller cashback på alla köp
- 2% extrabonus på köp i utländsk valuta
- Ingen uttagsavgift
Jämför kort
Att låna kostar pengar! Om du inte kan betala tillbaka skulden i tid riskerar du en betalningsanmärkning. Det kan leda till svårigheter att få hyra bostad, teckna abonnemang och få nya lån. För stöd, vänd dig till budget- och skuldrådgivningen i din kommun. Kontaktuppgifter finns på konsumentverket.se.
Best Credit Card 2025 With Discounts: re:member flex
The best credit card that lets you save money through big discounts is re:member flex. With the card, you get up to 25% discount at over 300 different stores, as well as a fuel discount when you refuel at Preem. re:member flex is also completely free and offers free additional cards.
- Rabatt hos 300 e-butiker
- Drivmedelsrabatt på Preem
- Sommarrabatter
Jämför kort
Att låna kostar pengar! Om du inte kan betala tillbaka skulden i tid riskerar du en betalningsanmärkning. Det kan leda till svårigheter att få hyra bostad, teckna abonnemang och få nya lån. För stöd, vänd dig till budget- och skuldrådgivningen i din kommun. Kontaktuppgifter finns på konsumentverket.se.
Best Bonus Card 2025: Resurs Gold
The Resurs Gold credit card offers 0.5 points per Swedish krona spent, regardless of the purchase. This also applies to invoice payments and cash withdrawals. The bonus can be redeemed in the Resurs Points Shop for products, experiences, gift vouchers, and much more!
- 0.5 poäng per spenderad krona
- 6 månaders räntefri delbetalning
- Betala räkningar med kortet
Jämför kort
Att låna kostar pengar! Om du inte kan betala tillbaka skulden i tid riskerar du en betalningsanmärkning. Det kan leda till svårigheter att få hyra bostad, teckna abonnemang och få nya lån. För stöd, vänd dig till budget- och skuldrådgivningen i din kommun. Kontaktuppgifter finns på konsumentverket.se.
Best Free Credit Card 2025: Resurs Classic
Resurs Classic is this year's best budget credit card, completely free of charge, offering up to 60 interest-free days and a credit limit of up to 30,000 SEK.
- Räntefri delbetalning i 6 månader
- Betala räkningar med kortet
Jämför kort
Att låna kostar pengar! Om du inte kan betala tillbaka skulden i tid riskerar du en betalningsanmärkning. Det kan leda till svårigheter att få hyra bostad, teckna abonnemang och få nya lån. För stöd, vänd dig till budget- och skuldrådgivningen i din kommun. Kontaktuppgifter finns på konsumentverket.se.
Best Credit Card Without Foreign Exchange Fees 2025: Collector Easyliving
We consider Collector Easyliving to be the best credit card without foreign exchange fees on the market right now. The card is free for the first year and has a 0% foreign exchange fee on all purchases abroad. It also offers many comprehensive insurances, a free additional card, and up to 25% cashback at over 300 stores via Mastercard Travel Rewards.
- Inget valutapåslag
- Flera försäkringar för tryggare shopping
- Gratis årsavgift första året när du söker via oss
Jämför kort
Att låna kostar pengar! Om du inte kan betala tillbaka skulden i tid riskerar du en betalningsanmärkning. Det kan leda till svårigheter att få hyra bostad, teckna abonnemang och få nya lån. För stöd, vänd dig till budget- och skuldrådgivningen i din kommun. Kontaktuppgifter finns på konsumentverket.se.
Top List: Best credit cards
- Best Credit Card 2025 for Travel: Bank Norwegian
- Best Credit Card 2025 With Discounts: re:member flex
- Best Bonus Card 2025: Resurs Gold
- Best Free Credit Card 2025: Resurs Classic
- Best Credit Card Without Foreign Exchange Fees 2025: Collector Easyliving
How Does Alltomkreditkort.se Work?
We list and compare all credit cards completely impartially. Whether you're looking for a credit card with a low interest rate, good insurance, or favourable discounts, we can help you find cards that match your preferences. Read our impartial 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 pros and cons of credit cards. We also show you 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.
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What Is a Credit Card?
A credit card provides a spending limit each month that functions as a loan. Typically, you have 30-60 interest-free days to repay the amount used 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.
Advantages of a Credit Card
- Interest-free credit: Credit cards typically offer an interest-free period of 30-60 days, allowing you to borrow money without paying interest if you repay the full amount within this period.
- Rewards and bonuses: Many credit cards offer reward programs where you can earn points, cashback, or other rewards for every purchase you make. These rewards can be used for discounts, free travel, or other benefits.
- Consumer protection: Credit cards often provide stronger protection against fraud and unauthorized transactions compared to debit cards. Many credit cards also offer purchase protection and extended warranties on purchases.
- Travel benefits: Many credit cards offer special benefits for travelers, such as travel insurance, cancellation protection, and access to airport lounges.
- Emergencies: Credit cards can act as a safety net for unexpected expenses or emergencies, as they give you access to credit even if your bank funds are insufficient.
- Insurance and protection: Many credit cards offer extra insurance, such as travel insurance, car rental insurance, and purchase protection, providing extra security without additional cost.
Disadvantages of a Credit Card
- High interest rates: If you don't pay off the entire balance each month, interest is added, and credit card interest rates are often high, which can lead to significant interest costs over time.
- Debt accumulation: Credit cards make it easy to spend more than you can afford, which can lead to debt. If the debt becomes large, it can be difficult to pay it off.
- Fees: Credit cards can have various fees, such as annual fees, cash withdrawal fees, late payment fees, and foreign exchange fees for purchases abroad.
- Impact on credit rating: Missing payments or using a large portion of your credit limit can negatively affect your credit rating, making it harder to get loans in the future.
Why You Should Use Alltomkreditkort.se Before Applying for a Credit Card
- All information in one place
With us, you’ll find all the necessary information to make an informed decision on which credit card to choose. - Easy credit card comparison
Our comparison tool gives you a quick overview of the most important aspects to consider when it comes to credit cards. - Independent reviews & ratings
If you want to learn more about a specific credit card, we also offer in-depth reviews available for each card. You can also read impartial customer reviews for all credit cards.
Go to the guide
Find the Best Credit Card 2025
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 what is important to consider when figuring out which is the best credit card 2025 for you.
Choose the Right Credit Card for Your Needs
When choosing a credit card, we recommend that you base your decision on the reason why you want a credit card. Your need should guide your choice and determine which card offers you the most benefits. The card that gives you the most benefits at the lowest cost is the best credit card 2025 for you.
Are You Going to Travel?
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. Learn more about credit cards for travel here.
Do You Want Bonuses and/or Discounts?
Do you want a credit card with a bonus that gives you points on all purchases? Credit cards that offer points 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.
Looking for Easy Credit With Flexible Repayment?
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 instalments? 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 instalments and lower interest rates, making it significantly cheaper.
Want Insurance and Safer Shopping?
Some credit cards offer favourable insurance that creates security when shopping. This could include price guarantees, extended warranties, and all-risk 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 can compare when choosing a credit card. To get a clearer picture 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 see which factors to prioritise when comparing to find the best credit card for shopping.
How We Compare Credit Cards
Below are explanations to help you understand the data for each credit card.
Interest
The interest we specify is the annual interest rate applied to the utilised credit if it is not fully paid off via the monthly invoice.
The credit card invoice will always show how much credit has been utilised. If you choose to pay the full amount, the credit is cleared, and no interest fee is charged. However, if you choose to pay the invoice in instalments, an interest cost will be added to the portion of the amount that is deferred. 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 instalments.
Remember that additional fees may apply when paying in installments. A clearer way to compare the total costs of credit cards (interest, fees, etc.) is to look at the effective interest rate.
Credit
Credit is the maximum amount you can spend on 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 for an increase in your credit limit.
Interest-Free
Interest-free refers to the interest-free period that applies when making purchases with the card.
All credit cards have an interest-free period – meaning the time between making a purchase and when repayment must occur, without interest being charged. If you repay the full credit amount before the interest-free days have elapsed, no interest will be charged. The date invoices are 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.
Annual Fee
The annual fee is the fee added to your credit card invoice once a year.
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.
Three Benefits of Each Card
All credit cards have their advantages. We present 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 can more easily find the best credit card 2025 that appeals to you. Also, read the reviews of the cards to get a clearer picture of their advantages and disadvantages.
How to Apply for a Credit Card in Four Simple Steps
- Find out which is the best credit card 2025 for you
There are many different credit cards to choose from. Therefore, it is especially important to determine how you will use the card before applying. This way, you can more easily decide which credit card is the best for you. For example, will you use the card for travel, to earn bonus points on purchases for everyday shopping, or to pay in instalments for larger purchases? - Compare credit cards to find the best one
Credit cards from different banks may serve the same functions, but the terms differ. Therefore, it’s important to take the time to compare the credit cards! The number of interest-free days, interest rates, fees, insurance, and the maximum credit you can get are factors you should check. - Choose a card and go to the application
We've made it easy for you: compare credit cards in the clear list and click the application button to go to the application form, where you can apply for your credit card. The application forms are linked to reputable banks, making it completely safe to apply for the cards. - Wait for the credit check to be completed
Once you’ve submitted your application, you’ll need to wait for the credit check to be completed. In Sweden, all banks use UC to assess your payment ability. If no issues arise, you’ll receive a response to your credit card application almost immediately.
Why Your Credit Card Application Might Be Rejected
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:
- You have one or more payment remarks.
- You have previously paid bills late to the credit card company.
- You have debts with the Enforcement Authority (Kronofogden).
- You already have several credit cards and/or loans.
- Your annual income is not high enough.
- You are too young – or too old.
7 Benefits of a Credit Card
There are many benefits to using a credit card. Below, we list 7 valuable benefits offered with different credit cards:
- Insurance: One or more insurance policies are attached to almost every credit card. This can range from travel insurance to delivery insurance for online purchases.
- Bonuses and points: When you shop with a bonus card, you can earn both bonuses at selected stores and points on all your purchases.
- Travel benefits: Get access to airport lounges, concierge services, or cheaper flight tickets. Travel credit cards offer many travel-related benefits.
- Discounts: Almost all credit cards offer discounts to varying extents. For many, these discounts are the deciding factor when choosing a credit card.
- Secure transactions: Credit cards are one of the safest payment methods. Therefore, we recommend using credit cards to minimize the risk of fraud.
- Accessible and flexible credit: Decide for yourself how quickly you want to repay your credit. All purchases made during a month are gathered on one invoice, giving you a better overview of your spending and finances.
- Additional cards: Credit cards with additional cards allow you and a family member to share the same credit, making it easy to manage your shared expenses together.
How to Use a Credit Card Responsibly
- Use the card as a short-term payment method.
Imagine you need to repair your car but currently lack the funds. In this situation, a credit card can be very helpful, and it also makes a reasonable investment in your daily life. After all, you need a car to get to work and/or to drive the kids.
Having a card with credit can be useful when you know you can afford a purchase but don't have the time to wait for your salary. However, it is not a good idea to apply for a credit card to pay off small loans or buy things you cannot afford. - Be aware that you will pay interest on purchases.
As long as you pay back within the interest-free days, you don’t need to worry about the interest. But if you choose to pay in instalments over several months, the interest can make your purchases quite expensive. Compare interest rates on credit cards, as the rates can differ by several percentage points. - Don’t get too many credit cards.
You can have more than one credit card, as long as the credit check goes through. However, be cautious, as the more credit cards and loans you have, the harder it will be to obtain new loans. Only get as many credit cards as you need to, for example, maximise the benefits offered by different cards. - Pay your credit card bills on time.
Using your credit card means you will receive a monthly invoice for the credit you’ve used, with a minimum payment due. If you don’t pay the invoice on time, you may incur late fees and, in the worst case, end up with a collections agency. - Save money with your credit card!
With the right credit card, you can get quite a bit back on your purchases, both in the form of discounts and points. Everyday shopping becomes simply cheaper.
Which Credit Card Is the Most Valuable?
Here you can 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?
The best credit card 2025 is incredibly 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.
Is Having a Credit Card a Good Idea?
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 will be advantageous for you. However, credit cards are 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
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:
- Long interest-free periods
- Low fees
- Loyalty programs
- Welcome bonuses
- Comprehensive insurance coverage
- Interest-free instalment payments
- Exclusive offers and discounts
- Global acceptance
- Secure safety features
- Accessible customer service
- Compatible with digital wallets
- Offers additional cards
We test credit cards
Here you will find our evaluations and 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.
FAQ
What is a credit card?
Which is the most beneficial credit card?
Which credit card is the best 2025?
What are the benefits of credit cards?
What benefits are available with a credit card?
What is the effective interest rate?
What costs are associated with a credit card?
Is there a card that is the best for all situations?
What does credit period mean?
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.
