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Best Credit Cards in Sweden

Author: Kristian Ole Roerbye

Written by

Kristian Ole

Reviewer: Frederik

Reviewed by

Frederik Nielsen

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Re:member Flex Credit Card

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Example: Ordinary annual fee: SEK 0. E-invoice fee: SEK 0 (paper invoice: SEK 39). The annual interest rate is set individually and ranges from 9.74% to 28.24% (as of 2025-01-01), variable. With a used credit of SEK 30,000, the effective interest rate is 19.50% when paying via e-invoice. The total amount to be repaid is SEK 32,953. This amount is based on an example where the credit is repaid in monthly installments over 12 months (average monthly payment: SEK 2,746), the annual interest rate is 22.54%, and 39 interest-free days are used, assuming no fees for cash withdrawals or paper invoices.

Finding the right credit card in Sweden can be straightforward. Different cards offer unique benefits, whether you’re looking for rewards, low interest rates, or travel perks. Our guide simplifies your choice, helping you match your needs with the ideal card. Let’s dive into the factors that matter most in selecting a Swedish credit card.

The Best Credit Cards in Sweden 2025

Re:member Flex Credit Card

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Requirements

RequirementsDetails
Minimum Age20 years
Minimum Annual Income150,000 SEK
Payment Defaults AllowedNone (no payment remarks)

Quick Facts

Quick FactsDetails
Annual Fee0 SEK
Maximum Credit Limit120,000 SEK
Interest Rate9.74% – 22.90%
Effective Interest Rate8.10% – 19.84%
Interest-Free PeriodUp to 56 days
Card TypeMastercard
Cash Withdrawal Fee3.00% (min. 35 SEK)
Foreign Currency Fee2.00%
Invoice Fee39 SEK (0 SEK with e-invoice)
Reminder Fee60 SEK
Late Payment Fee125 SEK
Overdraft Fee95 SEK
Free Additional CardYes
Google PayYes
Apple PayYes
Samsung PayYes
Payment HolidaysUp to 2 payment-free months per year

Example: Annual fee: SEK 0. E-invoice fee: SEK 0 (paper invoice: SEK 39). The annual interest rate is set individually and ranges from 9.74% to 28.24% (as of 2025-01-01), variable. With a used credit of SEK 30,000, the effective interest rate is 19.50% when paying via e-invoice. The total amount to be repaid is SEK 32,953. This amount is based on an example where the credit is repaid in monthly installments over 12 months (average monthly payment: SEK 2,746), the annual interest rate is 22.54%, and 39 interest-free days are used, assuming no fees for cash withdrawals or paper invoices.

warning Borrowing costs money.
If you are unable to repay your debt on time, you risk getting a payment default. This can make it harder to rent a home, sign contracts, or obtain new loans. For support, contact the municipal budget and debt counselling service. You can find contact information at konsumentverket.se.

Credit Card Bank Norwegian

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Requirements

RequirementsDetails
Minimum Age18 years
Employment StatusMust be employed
Payment Defaults AllowedNone (no payment remarks)

Quick Facts

Quick FactsDetails
Annual Fee0 SEK
Maximum Credit Limit150,000 SEK
Interest Rate23.00%
Effective Interest Rate25.59%
Interest-Free Period45 days
Card TypeVisa
Cash Withdrawal Fee0%
Foreign Currency Fee1.99%
Invoice Fee45 SEK (0 SEK with e-invoice)
Reminder Fee60 SEK
Late Payment Fee95 SEK
Overdraft Fee0 SEK
Google PayYes
Apple PayYes
Samsung PayYes

Example: The credit interest rate is 23.00%. The annual fee is 0 SEK. When using a credit of 10,000 SEK with repayment through 12 monthly payments of 941 SEK, the effective interest rate is 25.59%. The total amount to be repaid is 11,292 SEK. The example is calculated in March 2025 and the interest rate is variable..

warning Borrowing costs money.
If you are unable to repay your debt on time, you risk getting a payment default. This can make it harder to rent a home, sign contracts, or obtain new loans. For support, contact the municipal budget and debt counselling service. You can find contact information at konsumentverket.se.

Marginalen Traveller

Marginalen Traveller Card
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Quick FactsDetails
Annual Fee0 SEK first year, then 395 SEK annually
Maximum Credit Limit150,000 SEK
Interest Rate16.90%
Effective Interest Rate18.99%
Interest-Free Period50 days
Card TypeMastercard
Cash Withdrawal Fee3.00% (min. 35 SEK)
Foreign Currency Fee1.65%
Invoice Fee25 SEK (0 SEK with e-invoice)
Reminder Fee60 SEK
Late Payment Fee95 SEK
Overdraft Fee75 SEK
Google PayYes
Apple PayYes
Samsung PayYes

Example: For a credit amount of SEK 100,000 with a variable annual interest rate of 10.65%, an 8-year term (repayment period), 96 repayments, an arrangement fee of SEK 0 and a notice fee of SEK 10 (when paying by direct debit), the effective interest rate is 11.39%. The regular monthly amount to be paid is SEK 1,562 and the total amount to be paid is SEK 150,852. The example, which is calculated on 2025-05-23, assumes that interest and fees are unchanged throughout the credit period. Rounding is applied to the nearest higher krona. The interest rate is variable and can vary from 6.65% – 17.69%, which means that the effective interest rate can vary from 6.89% – 20.14%. The effective interest rate is calculated in accordance with the Swedish Consumer Agency’s guidelines.

warning Borrowing costs money.
If you are unable to repay your debt on time, you risk getting a payment default. This can make it harder to rent a home, sign contracts, or obtain new loans. For support, contact the municipal budget and debt counselling service. You can find contact information at konsumentverket.se.

MoreGolf Credit Card

MoreGolf Credit Card
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Requirements

RequirementsDetails
Minimum Age20 years
Minimum Monthly Income10,417 SEK
Payment Defaults AllowedNone (no payment remarks)

Quick Facts

Quick FactsDetails
Annual Fee0 SEK first year, then 295 SEK annually
Maximum Credit Limit160,000 SEK
Interest Rate18.94%
Effective Interest Rate19.56%
Interest-Free Period55 days
Card TypeMastercard
Cash Withdrawal Fee3.00% (min. 45 SEK)
Foreign Currency Fee1.65%
Invoice Fee35 SEK (0 SEK with e-invoice)
Reminder Fee60 SEK
Late Payment Fee115 SEK
Overdraft Fee105 SEK
Google PayYes
Apple PayYes
Samsung PayYes

The effective interest rate is 19.14% when paying by e-invoice for a used credit of SEK 20,000 repaid over 1 year (2025-05-08).

warning Borrowing costs money.
If you are unable to repay your debt on time, you risk getting a payment default. This can make it harder to rent a home, sign contracts, or obtain new loans. For support, contact the municipal budget and debt counselling service. You can find contact information at konsumentverket.se.

Marginalen Gold

Marginalen Gold Card
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Requirements

RequirementsDetails
Minimum Age20 years
Minimum Monthly Income10,000 SEK
Payment Defaults AllowedNone (no payment remarks)

Quick Facts

Quick FactsDetails
Annual Fee0 SEK first year, then 195 SEK annually
Maximum Credit Limit100,000 SEK
Interest Rate16.90%
Effective Interest Rate17.73%
Interest-Free Period50 days
Card TypeVisa
Cash Withdrawal Fee3.00% (min. 35 SEK)
Foreign Currency Fee1.65%
Invoice Fee25 SEK (0 SEK with e-invoice)
Reminder Fee60 SEK
Late Payment Fee95 SEK
Overdraft Fee75 SEK
Google PayYes
Apple PayYes
Samsung PayYes

Example: When paying the total debt, no interest is charged for purchases. If you use the credit, the annual interest rate is 16.9% (variable). The effective interest rate is 17.73% for a used credit of SEK 20,000. The annual fee is SEK 195, but it is free of charge for the first year. With e-invoice or direct debit, there is no administrative fee, while paper invoices or bank statements cost SEK 25/month. Extra cards cost SEK 50/year. Cash withdrawals are charged at 3% (minimum SEK 35), and the currency exchange surcharge is 1.65%. The credit limit is SEK 5,000 to SEK 100,000..

warning Borrowing costs money.
If you are unable to repay your debt on time, you risk getting a payment default. This can make it harder to rent a home, sign contracts, or obtain new loans. For support, contact the municipal budget and debt counselling service. You can find contact information at konsumentverket.se.

COOP Credit Card

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Requirements

RequirementsDetails
Minimum Age20 years
Minimum Monthly Income12,500 SEK
Payment Defaults AllowedNone (no payment remarks)

Quick Facts

Quick FactsDetails
Annual Fee0 SEK first year, then 295 SEK annually
Maximum Credit Limit150,000 SEK
Interest Rate18.80%
Effective Interest Rate19.45%
Interest-Free Period55 days
Card TypeMastercard
Cash Withdrawal Fee1.50% (min. 35 SEK)
Foreign Currency Fee1.75%
Invoice Fee29 SEK (0 SEK with e-invoice)
Reminder Fee60 SEK
Late Payment Fee100 SEK
Overdraft Fee105 SEK
Free Additional CardYes
Google PayYes
Apple PayYes
Samsung PayYes

Example: The effective interest rate is 19.85% when paying by e-invoice (23.57% with paper invoice) for a utilized credit amount of SEK 20,000, repaid over 1 year (2025-02-01).

warning Borrowing costs money.
If you are unable to repay your debt on time, you risk getting a payment default. This can make it harder to rent a home, sign contracts, or obtain new loans. For support, contact the municipal budget and debt counselling service. You can find contact information at konsumentverket.se.

Forex Credit Card

Forex Creditcard
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Requirements

RequirementsDetails
Minimum Age18 years
Minimum Monthly Income1,042 SEK
Payment Defaults AllowedNone (no payment remarks)

Quick Facts

Quick FactsDetails
Annual Fee225 SEK
Maximum Credit Limit100,000 SEK
Interest Rate16.74%
Effective Interest Rate14.75% – 19.27%
Interest-Free Period55 days
Card TypeMastercard
Cash Withdrawal Fee2.00% (min. 40 SEK)
Foreign Currency Fee0%
Invoice Fee29 SEK (0 SEK with e-invoice)
Reminder Fee60 SEK
Late Payment Fee100 SEK
Overdraft Fee125 SEK
Google PayYes
Apple PayYes

Example: The effective interest rate is 16.73% when paying with e-invoice (20.37% with paper invoice) for a utilized credit of 20,000 SEK repaid over 1 year (2025-03-08)

warning Borrowing costs money.
If you are unable to repay your debt on time, you risk getting a payment default. This can make it harder to rent a home, sign contracts, or obtain new loans. For support, contact the municipal budget and debt counselling service. You can find contact information at konsumentverket.se.

Resurs Gold Credit Card

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Requirements

RequirementsDetails
Minimum Age18 years
Employment StatusMust be employed
Payment Defaults AllowedNone (no payment remarks)

Quick Facts

Quick FactsDetails
Annual Fee245 SEK
Maximum Credit Limit150,000 SEK
Interest Rate22.37%
Effective Interest Rate33.67%
Interest-Free Period60 days
Card TypeMastercard
Cash Withdrawal Fee2.97% (min. 35 SEK)
Foreign Currency Fee1.97%
Invoice Fee39 SEK
Reminder Fee60 SEK
Late Payment Fee0 SEK
Overdraft Fee0 SEK
Google PayYes
Apple PayYes

*Example for the installment payment options 6 months interest-free and 20 months installment payment. The examples below are calculated based on purchases made on the first day of the month. We offer several different payment options. 6 months interest-free: Credit 15,000 SEK, 6 installment payments of 2,500 SEK, uppl.avg 97 SEK, adm.avg 39 SEK/month, effective interest 5.35%, incl. annual fee 245 SEK. Total amount: 15,576 SEK. Divide 1/20: Credit 15,000 SEK, uppl.avg 0 SEK, adm.avg 39 SEK/month, credit interest 22.37%, effective interest 30.67%, incl. annual fee 245 SEK. Total amount: 21,005 SEK. The total amount assumes that you pay 1/20 of the debt each month and make the final payment on month 20.

warning Borrowing costs money.
If you are unable to repay your debt on time, you risk getting a payment default. This can make it harder to rent a home, sign contracts, or obtain new loans. For support, contact the municipal budget and debt counselling service. You can find contact information at konsumentverket.se.

Resurs Classic

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Requirements

RequirementsDetails
Minimum Age18 years
Employment StatusMust be employed
Payment Defaults AllowedNone (no payment remarks)

Quick Facts

Quick FactsDetails
Annual Fee0 SEK
Maximum Credit Limit30,000 SEK
Interest Rate23.00%
Effective Interest Rate29.25%
Interest-Free Period60 days
Card TypeMastercard
Cash Withdrawal Fee2.97% (min. 35 SEK)
Foreign Currency Fee1.97%
Invoice Fee39 SEK
Reminder Fee60 SEK
Late Payment Fee145 SEK
Overdraft Fee145 SEK
Google PayYes
Apple PayYes

*Example for the installment payment options 6 months interest-free and 20 months installment payment. The examples below are calculated based on purchases made on the first day of the month. We offer several different payment options. 6 months interest-free: Credit 15,000 SEK, 6 installment payments of 2,500 SEK, upp.avg 97 SEK, adm.avg 39 SEK/month, effective interest 3.85%. Total amount: 15,331 SEK. Divide 1/20: Credit 15,000 SEK, upp.avg 0 SEK, adm.avg 39 SEK/month, credit interest 23%, effective interest 29.25%, incl. annual fee 0 SEK. Total amount: 20,577 SEK. The total amount assumes that you pay 1/20 of the debt each month and make the final payment in month 20.

warning Borrowing costs money.
If you are unable to repay your debt on time, you risk getting a payment default. This can make it harder to rent a home, sign contracts, or obtain new loans. For support, contact the municipal budget and debt counselling service. You can find contact information at konsumentverket.se.

Swedbank Credit Card

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Requirements

RequirementsDetails
Minimum Age18 years
Minimum Monthly Income10,417 SEK
Payment Defaults AllowedNone (no payment remarks)

Quick Facts

Quick FactsDetails
Annual Fee0 SEK first year, then 195 SEK annually
Maximum Credit Limit20,000 SEK
Interest Rate14.25%
Effective Interest Rate14.13%
Interest-Free Period55 days
Card TypeMastercard
Cash Withdrawal Fee3.00% (min. 45 SEK)
Foreign Currency Fee1.65%
Invoice Fee0 SEK
Reminder Fee60 SEK
Late Payment Fee100 SEK
Overdraft Fee105 SEK
Free Additional CardYes
Google PayYes
Apple PayYes
Samsung PayYes

*Interest information: Effective interest rate 14.13% for utilized credit of SEK 20,000 repaid over 1 year (2025-02-04). See complete information about price and calculation examples further down the page.

warning Borrowing costs money.
If you are unable to repay your debt on time, you risk getting a payment default. This can make it harder to rent a home, sign contracts, or obtain new loans. For support, contact the municipal budget and debt counselling service. You can find contact information at konsumentverket.se.

Requirements for Getting a Credit Card in Sweden

Requirements for Getting a Credit Card in Sweden

Securing a credit card in Sweden involves understanding specific requirements. Lenders assess your financial stability to ensure you can manage credit responsibly.

  • Age: Typically, you must be at least 18 years old.
  • Income: A stable income demonstrates your ability to repay. Lenders will check this.
  • Residency: Most issuers require you to be a Swedish resident or have a strong connection to Sweden.
  • Credit History: A good credit history indicates reliability. Banks will review this.
  • Identification: Valid ID is necessary for identity verification.
  • Bank Account: Having a Swedish bank account is often essential for credit card applications.

These criteria can vary slightly between banks and card types. Always check specific requirements before applying.

How to Apply for a Credit Card in Sweden

When you decide to apply for a credit card in Sweden, the internet is your best ally. The online application process is designed to be quick and efficient, allowing you to apply from the comfort of your home.

Before diving into the application steps, it’s crucial to understand that each credit card comes with its own set of features and requirements. By carefully selecting a card that aligns with your financial habits and needs, you can maximize its benefits and avoid potential pitfalls. Now, let’s break down the online application process into clear, manageable steps:

    1. Research: Investigate various credit cards online. Look at their rewards, fees, interest rates, and user reviews.

    1. Eligibility: Confirm you meet the card’s requirements, such as income, age, and residency.

    1. Gather Information: Prepare necessary personal information, including ID and proof of income.

    1. Application: Visit the issuer’s website to access and complete the application form.

    1. Submit Documents: If requested, upload any additional documents to support your application.

    1. Review and Confirm: Check your details thoroughly before finalizing your application.

    1. Wait for Approval: The issuer will assess your application and notify you of their decision.

    1. Receive Your Card: Upon approval, your credit card will be sent to you, along with activation instructions.

How to Apply for a Credit Card in Sweden

Types of Credit Cards in Sweden

Sweden offers a variety of credit card options to suit different financial needs and spending habits. Understanding these types can help you choose the best card for your situation.

Here’s a look at the common types of credit cards available.

Standard Credit Cards

Standard Credit Cards offer basic credit functions without extra perks. They’re ideal for everyday use and individuals who want a simple credit line without seeking additional benefits or rewards.

Rewards Credit Cards

Rewards Credit Cardsare beneficial for those who want to get more from their spending. You earn points, cashback, or miles on your purchases, which can be redeemed for various rewards. If you frequently use your card, this type can offer meaningful returns on your expenditures.

They’re great if you want to earn while you spend.

Low-Interest Credit Cards

These cards offer lower interest rates, making them a cost-effective option for users who might carry a balance from month to month. They can significantly reduce the interest you accrue, saving you money in the long term.

Balance Transfer Credit Cards

If you have existing credit card debt, these cards allow you to transfer the balance and benefit from a lower interest rate on the transferred amount, often with introductory rates. It’s a strategic choice for consolidating and paying down debt.

Travel Credit Cards

Travel Credit Cards are tailored for individuals who travel frequently, these cards offer travel-centric rewards and benefits, such as airline miles, hotel points, lounge access, or travel insurance. They can enhance your travel experience while providing value through rewards.

Student Credit Cards

Student Credit Cards are designed for students,

these cards usually come with lower credit limits and more lenient qualification criteria, making them accessible for young adults building their credit history. They can be a first step in managing personal finance responsibly.

Business Credit Cards

Business Credit Cards are aimed at business owners, these cards help segregate personal and business expenses and often come with features tailored to business needs, such as higher credit limits or rewards on business-related spending.

Understanding Credit Card Interest in Sweden

Grasping how credit card interest works in Sweden is crucial for managing your finances effectively. Interest is the cost you pay for borrowing money on your credit card. Here’s a breakdown to help you understand it better:

  1. Interest Rate (APR): The Annual Percentage Rate (APR) is the yearly interest rate charged on outstanding balances. It varies by card and your creditworthiness.
  2. Interest-Free Period: Most cards offer an interest-free period, usually up to a certain number of days, where no interest is charged if you pay your balance in full.
  3. Calculating Interest: Interest is typically calculated daily based on your card’s APR and your outstanding balance. It’s then accumulated monthly.
  4. Different Rates: Be aware that different transactions—purchases, cash advances, balance transfers—might have different interest rates.
  5. Avoiding Interest: To avoid paying interest, pay off your balance in full each month before the end of the interest-free period.

Example:

DetailInformation
Credit Interest Rate21.99%
Annual FeeSEK 0
Credit UtilizedSEK 10,000
Repayment Plan12 monthly payments of SEK 936
Duration12 months
Effective Interest Rate24.35%
Total Amount to Be RepaidSEK 11,233

Credit Card Features

When selecting a credit card in Sweden, understanding the specific features can help you choose the best option for your financial needs.

Here are some key features to consider when selecting a credit card in Sweden

Rewards Programs

Cards offering rewards incentivize spending by giving you points, cashback, or miles that can be redeemed for goods, services, or discounts.

Evaluate what type of rewards align with your spending habits to maximize benefits.

Security Features

Modern credit cards come with enhanced security features like EMV chips and contactless payment options, reducing the risk of fraud.

Additionally, many issuers offer 24/7 monitoring and alerts for suspicious activity, ensuring your account’s safety.

Annual Fees

While some cards charge annual fees, they often provide additional benefits, like higher rewards rates or complimentary insurance. Assess whether the benefits outweigh the fee to ensure it’s a cost-effective choice for you.

Interest Rates

The Annual Percentage Rate (APR) significantly affects the cost of carrying a balance on your card. Lower APRs can lead to substantial savings over time, particularly if you don’t pay off your balance each month.

Credit Limit

Your credit limit, influenced by your credit history and income, dictates how much you can spend. A higher credit limit can be beneficial for managing larger expenses or improving your credit utilization ratio, a key factor in your credit score.

Foreign Transaction Fees

If you travel or make purchases in a foreign currency, these fees can add up. Some cards offer no foreign transaction fees, a valuable feature for frequent travelers or those who shop from international retailers.

Balance Transfer Options

Transferring an existing balance to a card with a lower interest rate can help manage debt more effectively. Some cards offer promotional periods with reduced rates, providing an opportunity to save on interest charges.

Insurance and Protections

Credit cards may come with additional perks like travel insurance, rental car coverage, purchase protection, or extended warranties. These benefits can provide significant value and peace of mind in various situations.

Customer Service

Reliable customer service is crucial, especially when dealing with financial products. Look for cards from issuers known for their customer support, offering multiple contact methods and responsive service.

FAQ

Frequently Asked Questions

A standard credit card or a student credit card is usually the best to start with. They typically have lower credit limits and simpler terms, making them ideal for building credit.

A debit card allows you to spend money directly from your bank account, while a credit card provides a line of credit that you can borrow against, subject to interest if not repaid in full each billing cycle.

Generally, adults with a stable income, a good credit history, and who meet the issuer’s requirements can get a credit card. Specific criteria can vary between card issuers.

Yes, expats can get a credit card in Sweden. However, you’ll likely need to provide proof of income, residency status, and possibly a Swedish personal identity number (personnummer).