Choosing the right credit card in Sweden can make a big difference in your everyday finances. Whether you’re looking for generous cashback, travel perks, flexible installment options, or simply a card with no annual fee, the Swedish market offers a wide range of choices. With so many banks and providers competing for attention, it can feel overwhelming to know which card truly suits your needs.
This guide is designed to help you compare the best credit cards available in Sweden today. We’ve gathered the most important details—such as interest rates, benefits, rewards programs, and fees—so you can make a confident and informed decision. Our goal is to provide you with a clear overview that saves you time and ensures you find the card that matches your lifestyle, whether you’re a frequent traveler, a student, or simply someone who wants to maximize everyday spending.
Which is the best credit card?
Our assessment is that re:member flex is the best credit card. The card has no annual fee, a long interest-free period, and has more good insurance and benefits – all things that we consider important when we assess a credit card.
Best Credit Card 2025 – Top List
- re:member flex – Best credit card 2025
- Bank Norwegian – Best bonus card for flights
- Coop Mastercard – Best card for grocery shopping
- MoreGolf Mastercard – Best for golf players
- Forex credit card – Best card for travel
How do I choose the right credit card?
Kreditkortlistan compares different credit cards based on several factors. The cards are presented with a short summary as well as a longer review – all to give you the right basis for choosing the credit card that’s best for you. Your needs and lifestyle determine which card is the most suitable.
Think about how you will use the card
Start by thinking about how you will use the card. What is important to you? Low fees and insurance when you are abroad, or low fees in your everyday life?
Compare different bonuses and fees
Compare credit cards that have the benefits you are looking for. Remember to compare both benefits such as discounts and rewards programs and their costs such as annual fees and withdrawal fees.
How can I save money with a credit card?
You can save money with many credit cards, for example through free credit cards with cancellation protection and complementary travel insurance. If you buy a trip with the card, you get this insurance coverage at no extra cost.
Many cards have bonus programs that give you points on your purchases, which you can redeem for products, trips, or experiences. We help you find the card that provides the best financial benefits for you!
I want a credit card for a trip abroad
When you travel, it can be an advantage to pay for your trip with a credit card. This is because it often includes insurance coverage that complements the travel insurance you already have through your home insurance.
Many also choose to bring their credit card on the trip. By using a favorable credit card when paying abroad, you can be sure to get a good exchange rate. It is also much safer than carrying cash.
Best card for travel
Jag vill ha bonuspoäng till flygbiljetter
Several airlines issue credit cards in cooperation with credit card companies. SAS, Norwegian, and British Airways are a few examples. When you use their credit cards, you earn points. You can use the points to buy flight tickets or upgrade to business class. You earn points on all your purchases, but you earn extra points when buying flight tickets.The best credit card in this case is the one that gives you points with the airline you prefer to fly with. If you fly with different airlines, it may be an advantage to choose a credit card that gives bonus points that can be used with all airlines in an alliance (for example Star Alliance or One World).
The best credit card for those who fly a lot is Bank Norwegian. Keep this in mind when choosing a credit card to collect airline miles:
- Gives bonus points with the airline you prefer to fly with
- Offers discounts and deals on flight tickets, etc.
- Gives bonus points on all purchases (not only purchases with the airline)
I want safer shopping
Some credit cards offer insurance coverage when you pay with the card. For those who shop online, a delivery insurance refunds your money if you bought something on the internet and did not receive the product. Another insurance is a price guarantee, which means you can get money back on the card if you bought a product and then realize that the exact same product could be purchased cheaper elsewhere. Examples of other insurances include extended warranty and all-risk insurance.
With a credit card that includes several types of insurance, you shop both more safely and at the best price.
The best credit card for shopping is the Re:member Flex, which meets the following criteria:
- Gives you peace of mind when shopping
- Has good insurance
- Gives you the opportunity to receive the product before you pay
I want a credit for unpredictable expenses
Sometimes unpredictable events occur that require money. With a credit card, you always have access to a buffer. If you also pay back within the interest-free period, it costs you nothing to use it.
For you, the most important thing is to take out the cheapest credit card possible. Choose a card with no annual fee and a low effective interest rate. For some, it is also an advantage if the card has payment-free months.
I want big discounts
With some credit cards, you get access to offers and discounts. For example, credit cards like re\:member give you discounts at hundreds of online stores.
The best credit card in this case is the one that provides discounts where you have major expenses during the year. Maybe your fuel costs are high each month and you want to reduce them with a discount at the gas station chain where you often fill up? Or would you rather get a discount on all restaurant visits? Are you tempted by 10% off at toy stores in December, or are you looking for lower prices on clothes? No matter what, there is a credit card that gives you discounts and offers exactly where you want them.
I want cheaper food
There are only two credit cards issued by grocery chains. These are the credit cards from ICA and Coop. If you often shop at one of these chains, it may be advantageous to choose their credit card.
Even if you mainly shop at another grocery chain, you can get bonuses on your purchases. This is done by choosing a card that gives bonuses on all purchases, for example Bank Norwegian.
Food cardI want benefits on my trip
Travel credit cards can have rewards programs that make travel cheaper, have no fees when the card is used abroad, or offer great benefits during the trip itself. Some cards combine these three benefits, while others specialize in a smaller number of benefits.
One travel benefit that can be convenient is access to airport lounges. Being able to sit down and rest in a calm and quiet lounge can be very valuable on longer trips. It is one of the more common benefits that can be obtained on a travel credit card. The more expensive cards also offer Concierge Service. A service that means you can call the card company 24 hours a day and get help with pretty much anything. They can, for example, book hotels, make reservations at exclusive restaurants, and much more.
How do I get the best bonus on my credit card?
With credit cards that offer bonuses, you can save large sums of money every year. It is precisely these bonus systems that make many people choose to use credit cards. For example, if you shop for 20,000 SEK per month with a 1% bonus on all purchases, you will receive 2,400 SEK in cash back per year. You can decide which credit card is best for you, based on bonuses, by looking at three points:
Where do you shop?
Do you almost always buy your groceries at Coop? Do you usually fill up at Circle K or do you buy your clothes at NK? In general, your shopping pattern determines how you get the best bonus. It doesn’t matter if you have a credit card that gives a high bonus on airline tickets if you never fly. It sounds obvious, but still, many people have credit cards with the wrong bonus system where the points simply disappear because they are not used.
Is a general bonus a better option?
Many people believe that the best bonus at a chain store is always obtained if you sign up for that store’s credit card, but that’s not always the case.
Imagine that you have a credit card at a grocery store that gives you a 1% bonus on everything you buy in their stores, and that may also have an annual fee attached to the card.
By having a credit card that is not specifically linked to that store that gives a general cashback or bonus of 1% on all purchases (including purchases at that grocery store), you get a higher bonus per year.
Annual fee or not?
Why pay an annual fee of 400 or 1200 kronor for a credit card when you can get one for free? The answer is simple – to get access to the best bonus system based on your needs. With a credit card that suits your shopping pattern, you will save on the annual fee very quickly.
There are bonus systems on some cards that have no annual fee and on some cards with an annual fee. We recommend that you first look at which bonus you can best use. Then you can choose the card that gives you the maximum bonus. This regardless of whether it is free or if the credit card has an annual fee.
Why credit cards instead of debit cards?
Few people today primarily use cash to pay for things. Paying with cards is a given for most people, and the options available are debit cards, debit cards, and credit cards. Debit cards and credit cards are similar to each other, but credit cards have a few more advantages.
The most obvious differences between a credit card and a debit card are the following points. These are also the points that most clearly show the advantages of having a credit card:
Advantages
Bonuses and discounts
A big reason to sign up for a credit card is that the card can provide bonuses and discounts. By comparing bonus systems and special discounts in the stores you shop at most often, you will find the best credit card for you. Only the bonus systems can give you a big bonus every year. Then discounts can be used at amusement parks, grocery stores, hotel chains, experiences, etc.
Credit with installments
Many people choose a credit card based on the fact that there is an installment option on the invoice that arises. The disadvantage of installments is that there will be interest costs on the part that is not paid off immediately. The advantage, however, is that you can use this installment payment in months when your income is unusually low, or where unforeseen expenses have arisen.
Interest-free period
Thanks to the interest-free period, you can shop for a month, even if you don’t have a lot of money, and pay for your purchases the following month. This makes it easier to take advantage of special offers and have access to money without it costing you anything. Remember that interest only accrues if you choose to pay the invoice in installments.
Always with travel insurance
If you buy a trip with a credit card, you almost always have supplementary travel insurance. You may be required to pay for the trip at least 50%, 75% or 100% with the card for the insurance to apply. We recommend that you book and pay for your trips abroad with your credit card, debit card or travel card. There is definitely money to save with the help of discounts you receive when booking and good travel insurance with the cards.
Safer
If you use a debit card, the money is deducted directly from your account. If someone gets hold of your card, that person can withdraw large parts of the money in the account. Even in the case of other frauds, the money is deducted directly (sometimes without you as the account owner noticing). Although you can get money back from the bank if you discover fraud, it can take some time and during that period you will not have access to the money.
If you choose a credit card instead, the purchases will be presented on an invoice. Before you pay the invoice, you can check that the purchases are correct. If you see that a withdrawal is incorrect, it is the bank’s responsibility to cancel this transaction. You should never have to pay a so-called fraudulent transaction.
Are there any disadvantages to credit cards?
Yes, there are disadvantages to credit cards, just as there are disadvantages to all different forms of payment. All credit cards have a credit limit, which is the amount you can spend with the card. If you have a credit limit of SEK 30,000, you can spend SEK 30,000, provided that the entire credit used has been repaid on the previous invoice. But that doesn’t mean that you can always afford to spend that amount. The risk is that you spend more with the card than you can afford to pay when the invoice arrives.
By always paying your bills on time, you not only avoid interest and late fees, you also significantly reduce the risk of falling into a debt trap.
When you apply for a credit card
The lender always runs a credit report on you when you apply for a credit card. This is done so that they can assess your ability to pay and based on this decide whether you will get the card or not. From the credit report they get information about, among other things, declared income, whether you have a payment complaint and whether you have debt with the Swedish Enforcement Authority. As a rule, the assessment is done quickly, but in some cases an individual assessment is made when you have to submit additional information. This may, for example, involve proof of current income.
Apply now
Why can’t I get my application approved?
There are several different reasons why you are not approved for a credit card. The most common is that you do not meet the basic criteria for the card you have applied for. But even if you meet these, it is not certain that you will be approved for the card. Lenders look at your entire finances and assess your ability to pay from a holistic perspective.
Other reasons that can cause your application to be denied are that you have a payment complaint, too low an income, many other credits, have had late payments with the credit company in the past or that you are either too young/too old.
You can increase your chances of getting the credit card approved by reviewing your personal finances before applying. As mentioned above, an application can be denied because you have many other credit cards or loans. Perhaps you have unused credits that you can cancel and thus improve your credit rating.
What is an additional card?
An additional card is a credit card that is linked to the same credit as the main card. With an additional card, several people can shop independently with their own cards, and the cost will then end up on the same credit card invoice.
An additional card can be practical if there are several people in the household who share food costs or other purchases. You can then jointly collect bonuses with the card or take advantage of the discounts that the card offers.
How responsibility is distributed with an additional card differs between different card issuers. In some cases, it is the holder of the main card who is responsible for payments, in other cases the responsibility is shared between the main holder and the person who has been granted the additional card.
In many cases, there is no cost to issue an additional card to your credit card, in other cases there is a one-time fee or an annual fee.
What is payment protection?
In addition to additional cards, payment protection is sometimes also offered. This is a service that can be ordered when the credit card is taken out. If you later realize that you want this insurance, it can also be taken out later by contacting the credit company’s customer service.
Payment protection is insurance that is activated if you, as the main cardholder, become ill, die or become unemployed. In this case, the entire monthly cost on the card is paid for, for example, six or twelve months. In the event of death, the entire debt is written off immediately.
This refers to occasions when the household’s total income decreases and it may otherwise be difficult to pay the current credit card debt. The cost of this insurance protection is a small percentage of the balance on the card each month. Remember that the insurance always has a qualifying period. This means that you cannot receive compensation until you have had the insurance for a certain period (for example, 120 days).
This is how we go about comparing
The cards compared in the table are ranked based on a number of criteria. Among other things, we look at how popular the card is, how easy it is to go through the application process and what the terms and conditions of the card are. We at Kreditkortlistan.se receive compensation for each application a credit issuer receives. However, we do not receive compensation for all the cards we compare, but we still choose to compare these cards and print their advantages and disadvantages. In order to make a thorough review and comparison of all the cards, we recommend that you as a consumer read through the terms and conditions for the credit cards you are interested in. We currently make no difference whether the card uses Mastercard or Visa as the supplier of the transactions, as both cards basically work everywhere.
You surf safely on our site
We want to make sure that you feel safe when you visit Kreditkortlistan.se and therefore all links or information that we show are taken directly from the respective company, and you never need to fill in any sensitive information when you visit our site. We forward you via a secure connection to the companies you are interested in when you click on the card you like and never save any information or pass it on to third parties. Kreditkortlistan.se is not a credit provider but an independent party. We advise you as a private individual to always read the terms and conditions on the credit provider’s own website when applying for a credit card.
Practical when using cards
Kreditkortlistan.se recommends that you as a private individual be careful when using your credit card. There are many ways to get your card details and you should be careful about how these are displayed. Therefore, it is extra important to be attentive and protect your card details when shopping or withdrawing money.
When shopping online, you should check for ”Trygg E-handel” certification and whether payments are made via secure connections before making your purchases – otherwise it is very easy for hackers or other people to access your information.
How to apply for a credit card:
- Step 1: Compare different credit cards on Kreditkortlistan.se to find one that suits your needs and financial circumstances. Use our comparisons and take the time to compare different credit cards to find the one that suits you and that you will be happy with.
- Step 2: Apply for the selected card. Via our card list or card review, you can go directly to the card issuer’s application form by clicking ”Apply Now”. You will always be directed to the card issuer’s own website, which uses multiple security solutions to apply for a credit card in a secure manner. Follow the instructions to fill out the application form and provide all the necessary information.
- Step 3: Submit your application and wait for a response from the credit card issuer. The bank or credit card company will process your application and determine if you are eligible for a credit card. They will conduct a credit check to assess your creditworthiness and whether you meet their requirements. If your application is approved, you will receive your credit card within a few days.
Use your card responsibly
Be sure to never use your credit card if you are unable to pay back the full amount. Always pay your bills on time and you will avoid extra costs and the risk of falling into a debt trap.
When you apply for a card through one of the card issuers, you will receive a card with credit on it. Credit means that you have the opportunity to borrow money short-term from the credit issuer. All credit cards always have a time limit on when you must repay the credit you have received, i.e. the money you have borrowed. In most cases, the card issuer does not charge any interest or fees as long as you pay your invoice on time. You will always receive an invoice for what you have purchased for one month after you first used the card. If it is the case that you do not pay your invoice on time, the card issuer will demand the money from you with an added interest and in some cases debt collection costs.
To find the best credit card, which gives you the most benefits for the least effort and at the lowest cost possible, you should compare the different credit cards available on the market. On our site we have made this comparison for you and you will find information about a number of different types of cards while sorting out the differences, advantages and disadvantages of each credit card category.
The best credit card for you is not necessarily the one with the lowest interest rate, lowest annual fee or largest credit. The very best credit card is the one that fits perfectly into your everyday life, whose benefits you can fully utilize. Let us at Kreditkortlistan help you find the best credit cards for your situation.
Credit card questions and answers
In the table you will find the credit cards we recommend. We list the annual fee, withdrawal fee, currency exchange surcharge, credit interest rate and credit limit. Use our page to compare credit cards and find the one that suits you – with the best terms. We list credit cards, travel cards, food cards and gas cards.
The advantages of a credit card are that you can pay for your purchases with an invoice at the end of the month. You can choose to pay the full amount or pay in installments. A credit card can also come with a range of benefits such as bonuses, travel insurance, offers and discounts.
A credit card can have several different fees, such as annual fee, withdrawal fee, exchange fee and interest. We compare credit cards and recommend the cards with the best terms and lowest fees. Here we list free credit cards with no annual or monthly fee.
The right credit card for you depends on how you plan to use the it – and what life situation you are in. A credit card with a slightly higher annual fee and points on flights and access to airport lounges may be perfect for you, while a credit card with no annual fee and good discounts on online shopping may be perfect for someone else.
A credit card should fit your lifestyle, so it is important to read about different credit cards and find one with the best terms for your everyday life as possible.
To be granted a credit card, you must meet the following minimum requirements:
18 years of age or older
Fixed income
No debt account with the Swedish Enforcement Authority
No payment complaints
Specific card issuers may have other requirements that they want their customers to meet. For example, higher age limits and higher annual income requirements.
No, currently there are no credit card issuers that approve customers with payment records. However, a bank card without credit, such as a debit card, is often no problem to apply for.
Yes, regardless of who you contact, the credit card issuer will run a credit check through UC or a similar credit reporting agency. This is done to ensure that you have the finances required to be granted a credit card.
Granskad av
Fredrik Falkengren
Kreditkortlistan.se drivs av Enkla Media s.r.o (07992599) och är en oberoende, annonsstödd jämförelsesajt av kreditkort.
E-post: info@kreditkortlistan.se Copyright © 2025 Kreditkortlistan.se. All Rights Reserved.
