Questions and answers

The effective rate is the total annual cost of using credit, including the nominal rate and all fees. On the cards we compare the effective rate is between 21.66% and 29.89%. You pay no interest if you settle the full balance within the interest-free period.

Yes. Via Axo Finans you submit one application and may receive offers from several card issuers. You decide which offer, if any, to accept. The application is free, non-binding and signed with BankID.

The interest-free period is the number of days you can use the card without paying interest, as long as you settle the full balance by the due date. It ranges from 0 days on Instabank to 50 days on Morrow Bank. If you only pay the minimum amount, interest accrues on the rest.

Of the cards we compare, Instabank credit card has the lowest rate: 17.9% nominal and 21.66% effective. Note that Instabank has no interest-free period, so interest accrues from day one.

Bank Norwegian credit card has been named Norway's best travel card four times. It has no foreign transaction fee, fee-free cash withdrawals worldwide and travel insurance with unlimited medical cover. TF Bank Mastercard is a strong fee-free alternative.

Morrow Bank credit card gives 4% back at Komplett.no, 2% on other online shopping and 1% on everything else, plus purchase protection up to NOK 25,000. re:member credit card gives recurring discounts in more than 200 shops.

Kredittkortninja is part of Axo Finans AS and may receive a commission when you become a customer through our links. It does not affect the rate or terms you get from the issuer. We show the same five cards to everyone, in the same order.

You normally need to be at least 20 years old, have a stable income and no active payment defaults. The issuer performs a credit check on your application. Requirements vary slightly between cards, and the final credit limit is set individually.

The nominal rate is the annual rate on the credit itself. The effective rate is the total annual cost including the nominal rate and all fees (set-up fee, instalment fee, invoice fee). The effective rate is the number to compare between cards.

A foreign transaction fee is the surcharge when you use the card abroad or in foreign currency online, typically 1.75% to 2% of the amount. TF Bank Mastercard and Bank Norwegian credit card have 0% foreign transaction fee in our selection.

Many issuers give a preliminary answer in minutes when you apply with BankID. Final approval and the physical card by post usually takes from a few days to two weeks.

The comparison itself does not affect your credit score. When you submit an application the issuer performs a credit check that is recorded. With one application via Axo Finans, several issuers can assess you without you sending several separate applications.

Yes, but it is usually expensive. Many cards have a withdrawal fee (1–3%) and interest from day one on the withdrawal, even if you have an interest-free period on regular purchases. Bank Norwegian and TF Bank have fee-free withdrawals in our selection.

You must always pay at least the minimum amount by the due date, otherwise reminder fees and debt collection apply. If you pay less than the full balance, interest accrues on the remainder — that is why paying in full is the cheapest.

There is no formal limit, but the issuer credit check considers your total available credit. Many active cards can make it harder to get new loans or a mortgage approved.

A debit card draws directly from your account. A credit card gives you credit that you pay back later — with an interest-free period if you settle the full balance in time. A credit card also usually comes with stronger purchase protection and travel insurance.