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Travel Credit Cards in Sweden
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Choosing the right travel credit card in Sweden can significantly enhance your travel experiences. These cards offer rewards like air miles and hotel points, along with perks such as travel insurance and lounge access.
Ideal for frequent travelers or occasional holidaymakers, a suitable travel credit card can make every expense more rewarding. This guide will help you explore the best travel credit card options in Sweden, ensuring you get great value on every journey.
Best Travel Credit Cards in 2024
Example: The variable credit interest rate is 21.99% (Feb 2024). The annual fee is SEK 0. Utilizing a credit of SEK 10,000 and repaying through 12 payments of SEK 936 over 12 months, the effective interest rate is 24.35%. The total amount to be repaid is SEK 11,233.
Earning CashPoints with your Bank Norwegian credit card allows you to save for your next trip, as CashPoints serve as Norwegian Air’s currency. Once your credit card is linked to a Reward profile, you start earning CashPoints automatically on purchases, redeemable for Norwegian flights, extra baggage, seat reservations, or ticket changes.
CashPoints earned with your Bank Norwegian card include:
- 0.5% on regular purchases in Sweden, abroad, and online.
- 3% on LowFare tickets from Norwegian.
- 4% on LowFare+ tickets from Norwegian.
- 5% on Flex tickets from Norwegian.
Note that bonus earnings apply to card usage up to 100,000 SEK per calendar year. The app or MinSida provides an overview of your earned CashPoints and their expiration dates. However, you won’t earn CashPoints on cash withdrawals, bill payments, purchases from other airlines, currency purchases, or card usage exceeding 100,000 SEK per year. The rewards system allows for cashback or CashPoints, catering to those who prefer savings or travel benefits.
Example: No interest is paid for purchases when paying the total debt each month. When using credit, the annual interest rate is 16.9%. Effective interest at SEK 20,000 is 18.99% (2015-09-01). Annual fee SEK 395 (free of charge the first year).
Earning points with the Marginalen Traveller credit card allows you to turn everyday purchases into exciting travel experiences. Points earned can be redeemed for flights, hotel stays, car rentals, and a variety of other experiences.
How Points are Earned:
- Earn points on all purchases, both in Sweden and abroad.
- Use points to book over 20,000 experiences, including flights and hotels.
- Points can be redeemed through the Points Portal.
Marginalen Traveller credit card includes comprehensive travel insurance. This covers cancellation protection, missed departures, baggage delays, and more. The card also offers unique benefits like deductible protection for home or car damage during travel and a hole-in-one reward for golf enthusiasts.
Key Insurance Features
- Cancellation Protection: Up to 30,000 SEK per person, max 90,000 SEK per card.
- Missed Departure Protection: Up to 2,000 SEK per person, max 6,000 SEK per card.
- Baggage Delay: Compensation after a 4-hour delay.
- Missed Connecting Flight: Up to 10,000 SEK per person, max 20,000 SEK per card.
- Airline Bankruptcy: Up to 25,000 SEK for new tickets if the airline goes bankrupt.
- Deductible Protection: Up to 10,000 SEK for home or car damage while traveling abroad.
- Rental Car Deductible Elimination: Up to 10,000 SEK for rental car damage or repair costs.
- Hole-in-One Reward: 2,000 SEK reward for scoring a hole-in-one.
Start collecting points today with the Marginalen Traveller credit card and explore the world with confidence!
What is a Travel Credit Card?
A travel credit card is a type of credit card specifically designed to offer benefits and rewards related to travel. When you make purchases with a travel credit card, you can earn points, miles, or cashback that are geared towards travel expenses.
Let’s take a closer look at the features you might find with a travel credit card.
Rewards
These cards let you accumulate points or miles on everyday purchases, which you can then redeem for flights, hotel stays, car rentals, and other travel-related expenses. Some cards offer higher rewards rates for spending in specific categories like travel or dining.
Travel Benefits
Beyond rewards, travel credit cards often come with benefits that enhance your travel experience. These can include complimentary travel insurance, airport lounge access, free checked bags, priority boarding, and no foreign transaction fees.
Flexibility
Many travel credit cards offer flexible redemption options, allowing you to use your points or miles with various airlines, hotels, or travel services, giving you the freedom to plan your trips your way.
Sign-Up Bonuses
To attract new users, many travel credit cards offer sign-up bonuses, providing a substantial points or miles boost when you meet initial spending requirements.
International Use
Travel credit cards are typically equipped for global use, offering competitive exchange rates and acceptance at international merchants without additional fees for foreign transactions.
How to apply for a travel credit card
Applying for a travel credit card online in Sweden is a convenient process that can be completed in a few steps. Here’s a simplified guide to help you through the application process:
- Research: Start by comparing different travel credit cards available in Sweden. Look at their rewards, benefits, interest rates, and fees to find one that suits your travel habits and financial situation.
- Check Eligibility: Before applying, ensure you meet the card’s eligibility criteria. These often include age, income, and residency requirements.
- Gather Documents: Have all necessary documents ready. This typically includes identification, proof of income, and any other relevant financial information.
- Fill Out Application: Visit the card issuer’s website and fill out the online application form. You’ll need to provide personal details, financial information, and possibly some travel habits.
- Submit Application: Review your application for accuracy, then submit it. The issuer will perform a credit check as part of the approval process.
- Wait for Approval: After submitting your application, there will be a waiting period while the issuer evaluates it. This can vary in time, depending on the issuer.
- Receive and Activate: Once approved, you’ll receive your travel credit card by mail. Follow the issuer’s instructions to activate it and set up any online accounts or apps.
FAQ
Frequently Asked Questions
A travel credit card is tailored for travelers, offering rewards like miles or points on travel-related expenses, and perks such as travel insurance and no foreign transaction fees. A normal credit card may offer more general rewards and might not include travel-specific benefits.
Yes, it’s often worth it. A credit card for international travel usually comes without foreign transaction fees, provides travel insurance, and offers rewards on travel spending. These features can save money and offer convenience when traveling abroad.
For frequent travelers, a travel card is often better because it’s specifically designed to offer benefits and rewards that enhance travel experiences. For everyday spending, a regular credit card might be more suitable.
Generally, anyone who meets the issuer’s requirements, such as minimum age, income level, and credit score, can apply for a travel credit card. Residency status can also be a factor, depending on the issuer’s policies.