Credit cards with no annual fee
Cards with no annual fee cost nothing to hold if you pay on time. Also compare interest and rewards.
No annual fee means the card costs nothing to hold as long as you pay the statement in full and on time. Interest becomes the cost only if you revolve a balance.
The list includes Bank Norwegian, Avida Black, OKQ8 VISA, Circle K Mastercard, re:member flex and SAS Amex Classic. Rewards differ: OKQ8 and Circle K pay the most at their own chain, while Bank Norwegian pays cashback on all purchases.
A card with an annual fee can still cost less if grocery or fuel rewards exceed the fee. That comparison is in the list below.
Matching cards
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Common questions
Which credit cards have no annual fee?
Bank Norwegian, Avida Black, OKQ8 VISA, Circle K Mastercard, re:member flex and SAS Amex Classic have a 0 SEK annual fee in this comparison.
Is a no-annual-fee card always the cheapest?
No. If you revolve a balance, interest is the main cost. If you spend a lot at one chain, rewards on a card with a fee can exceed that fee.
What should I compare besides the annual fee?
Interest if you revolve a balance, where the rewards apply, and FX markup if you use the card abroad. The fee is only one line.
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