Credit cards – compare cards and fees

Compare credit cards from Swedish banks and card issuers in one place. See annual fees, effective interest rates, interest-free days, credit limits and benefits such as cashback and travel insurance side by side, and choose the card that fits how you spend.

Compare annual fees and interest rates

Cards with cashback, bonus or travel insurance

One application with Sambla

Find your card
Resurs Classic

Resurs Classic

  • Option to pay in instalments
  • Apple Pay and Google Pay
Annual feeSEK 0
Interest-free days60 days
Credit limitSEK 50,000
Effective interest rate29.25%
Resurs Woman

Resurs Woman

  • Supports Cancerfonden
  • 0.5 bonus points per krona
Annual feeSEK 295
Interest-free days60 days
Credit limitSEK 150,000
Effective interest rate31.12%
Bank Norwegian

Bank Norwegian

  • CashPoints or cashback on purchases
  • Fee-free cash withdrawals
Annual feeSEK 0
Interest-free days45 days
Credit limitSEK 150,000
Effective interest rate24.36%
Resurs Gold

Resurs Gold

  • Bonus on all purchases
  • 10,000 welcome points for new customers
Annual feeSEK 245
Interest-free days60 days
Credit limitSEK 150,000
Effective interest rate30.67%
re:member flex

re:member flex

  • Discounts at 300+ online shops
  • Travel insurance
Annual feeSEK 0
Interest-free days56 days
Credit limitSEK 120,000
Effective interest rate18.91%
Collector Black

Collector Black

  • No currency markup abroad
  • Purchase protection without excess
Annual feeSEK 195
Interest-free days56 days
Credit limitSEK 50,000
Effective interest rate22.6%
With a used credit amount of SEK 20,000, a nominal interest rate of 18.41%, an annual fee of SEK 160 and a repayment period of 12 months, the effective interest rate is 19.9%. The total amount to repay is SEK 24,010. This is a representative example and may vary depending on the credit amount, card type and individual credit assessment.
Borrowing costs money!
If you can't pay back the full debt, you risk a payment remark. This can make it harder to rent a home, sign up for subscriptions and get new loans.
If you need to talk to someone about your finances, you can contact the budget and debt advisory service in your municipality. Contact details are available at konsumentverket.se.

How to apply for a credit card through Sambla

You apply for a credit card through Sambla with one application. Here is how it works, step by step.

Fill in your details

Enter your details in Sambla's application form. They help match you with relevant credit card offers.

Confirm your identity with BankID

Identify yourself securely with BankID to continue your credit card application.

Compare credit card options

Compare the credit cards available to you on annual fee, interest rate, credit limit and benefits, and choose the card that suits you.

Sign your credit card agreement

Review your details and sign the agreement with the card issuer. The card issuer then makes its final credit decision and sends you the card.

Which credit card suits you?

Which credit card suits you depends on how you use it. Here Sambla goes through common needs and which of the cards you can compare through Sambla fit each need.

  1. You don't want an annual fee

    A credit card with no annual fee costs nothing to hold as long as you pay your bill on time. Collector Purple, Bank Norwegian, re:member Flex and Resurs Classic all have a 0 SEK annual fee. Still compare the currency fee and interest rate, since they decide what the card costs when you use it.

    Cards to look at

    • Collector Purple
    • Bank Norwegian
    • re:member Flex
    • Resurs Classic
    Good for you if, and keep in mind
    Good for you if
    You want a backup card or a card for everyday purchases without paying to have it.
    Keep in mind
    A card with no annual fee can still have other costs, such as a currency fee, cash withdrawal fees and interest if you pay in instalments.

  2. You travel or pay in other currencies

    A credit card for travel has a low or no currency exchange fee and often includes travel insurance. Collector Black has a 0 % currency fee and a 195 SEK annual fee. Bank Norwegian has travel insurance with cancellation cover, a 1.99 % currency fee and a 0 SEK annual fee.

    Cards to look at

    • Collector Black
    • Bank Norwegian
    Good for you if, keep in mind and example
    Good for you if
    You often travel home or abroad, or shop in foreign online stores several times a year.
    Keep in mind
    If you rarely pay in foreign currency, the currency fee matters little and the annual fee weighs more.
    Example
    You spend 20,000 SEK a year in foreign currency. A 2 % currency fee costs 400 SEK, 1.99 % costs 398 SEK and 0 % costs 0 SEK. Compare that with the card's annual fee, for example 195 SEK.

  3. You want bonus points or cashback

    A credit card with bonus points or cashback gives you points or money back on your purchases. Bank Norwegian gives CashPoints or cashback and has a 0 SEK annual fee. Resurs Gold (245 SEK a year) and Resurs Woman (295 SEK a year) give bonus points on your purchases.

    Cards to look at

    • Bank Norwegian
    • Resurs Gold
    • Resurs Woman
    Good for you if, keep in mind and example
    Good for you if
    You pay for most things by card, such as groceries, fuel and bills, and pay the full balance every month.
    Keep in mind
    If you spend little, the annual fee can be larger than the bonus. What the points are worth depends on each issuer's bonus programme.
    Example
    With 0.5 bonus points per krona and 100,000 SEK in card purchases a year, you earn 50,000 bonus points. What they are worth depends on the bonus programme.

  4. You want to pay in instalments sometimes

    A credit card with instalment payments lets you split larger purchases, but you pay interest on the amount you don't pay straight away. Collector Purple has a 12.6 % effective interest rate and a 0 SEK annual fee. Resurs Classic has up to 60 interest-free days and a 0 SEK annual fee.

    Cards to look at

    • Collector Purple
    • Resurs Classic
    Good for you if, keep in mind and example
    Good for you if
    You want to be able to spread out an unexpected cost, such as a dentist bill or a broken washing machine.
    Keep in mind
    Instalments cost interest. Pay the full bill within the interest-free period if you can.
    Example
    You pay off 10,000 SEK in equal monthly payments over 12 months. At a 12.6 % effective rate the interest is about 660 SEK, and at 29.25 % about 1,460 SEK. The figures are approximate and based on the effective rate, without other fees.

Not sure which card fits? With one application through Sambla you see which cards you can get and choose yourself.

Find your card

How does a credit card work?

A credit card lets you pay for purchases with money borrowed from the card issuer, up to a set credit limit. You then pay back what you have used, either in full or in instalments.

Credit card vs debit card

A debit card takes money directly from your own bank account. A credit card uses credit from the card issuer, which you repay later. That is why a credit card requires a credit assessment, usually including a credit check with UC.

Interest-free days

Most credit cards give you a number of interest-free days, often up to 45–60 days. If you pay the full amount on your invoice by the due date, you pay no interest on your purchases. If you pay in instalments, interest is charged on the remaining debt.

Effective interest rate

The effective interest rate shows the total cost of the credit per year, including the interest rate and fees such as the annual fee. It makes it easier to compare credit cards with different fees and interest rates.

text image

Credit cards for expats and newcomers in Sweden

What you need to apply. To apply for a credit card through Sambla, you need Swedish BankID, which requires a Swedish personal identity number (personnummer). Each card issuer then makes its own credit assessment and has its own requirements, for example a minimum income.

If you recently moved to Sweden. Card issuers in Sweden check your credit history with a Swedish credit bureau. If you have only lived in Sweden for a short time, a short credit history can affect whether your credit card application is approved and what credit limit you get.

What to compare when choosing a credit card

Annual fee. The annual fee is what a credit card costs per year whether you use it or not. Some credit cards have no annual fee, while cards with travel insurance or bonus programmes usually cost more.

Interest rate and effective interest rate. The interest rate on a credit card only applies to the amount you don't pay back within the interest-free period. The effective interest rate includes fees and shows the total cost of credit card debt, so compare the effective rate between cards.

Interest-free period. Most credit cards in Sweden give up to 45–60 days without interest on purchases. If you pay the full invoice amount each month, you pay no interest on your credit card purchases.

Credit limit. The credit limit is the maximum amount you can spend on the credit card. The limit you are offered depends on your income and credit history.

Cashback and bonus. Cashback cards give back a percentage of your purchases, either everywhere or in selected shops. Check if the cashback is paid as money, points or vouchers, and if there is a maximum per year.

Travel insurance and purchase protection. Some credit cards include travel insurance when you pay for the trip with the card, and purchase protection for items you buy. Compare what the insurance covers and if there is an excess.

Fees abroad. Credit card fees abroad include currency exchange fees and cash withdrawal fees. A card without a currency exchange fee can be cheaper if you travel or shop in other currencies.

Types of credit cards

Cashback credit cards. A cashback credit card gives back a percentage of what you spend with the card. Some cashback cards pay back on all purchases, while others only give cashback in selected shops or categories.

Bonus and points credit cards. A bonus credit card collects points on your purchases, which you can use for things like travel, shopping or vouchers. The value of the points depends on the card's bonus programme.

Travel credit cards. A travel credit card often includes travel insurance when you pay for your trip with the card, and can have lower fees for purchases in other currencies. Compare what the travel insurance covers and the card's currency exchange fee.

Credit cards with no annual fee. A credit card with no annual fee costs nothing to have, as long as you pay the full invoice amount on time. These cards usually have fewer extra benefits than cards with an annual fee.

text image

Frequently asked questions about credit cards

What is a credit card?

A credit card is a payment card linked to a credit limit from a card issuer. You pay with borrowed money and receive a monthly invoice for your credit card purchases.

How do I apply for a credit card through Sambla?

You fill in Sambla's form, confirm your identity with BankID and compare the credit cards available to you. You then choose a card and sign the agreement with the card issuer, who makes the final credit decision and sends the card.

What does a credit card cost?

A credit card can cost an annual fee, interest on the amount you don't pay back in time, and fees for things like currency exchange and cash withdrawals. Compare the effective interest rate and fees before you choose a card.

What is an effective interest rate?

The effective interest rate shows the total yearly cost of credit, including the interest rate and fees. It makes it easier to compare the real cost of different credit cards.

Is there a credit card with no annual fee?

Yes, some credit cards have no annual fee. A card without an annual fee can still have other costs, so compare the interest rate and fees as well.

What do I need to apply for a credit card in Sweden?

To apply for a credit card through Sambla, you need Swedish BankID, which requires a Swedish personal identity number. Each card issuer has its own requirements and makes its own credit assessment.

What is the difference between a credit card and a debit card?

A debit card takes money directly from your bank account. A credit card uses a credit limit from the card issuer, and you pay the credit card invoice afterwards.

Does it cost anything to apply for a credit card through Sambla?

No, applying for a credit card through Sambla is free of charge. The costs of the card itself, such as the annual fee and interest, are set by each card issuer.

When do I pay interest on a credit card?

You pay interest on a credit card when you don't pay the full invoice amount by the due date. If you pay the full amount each month, you usually pay no interest on your purchases.

What is cashback on a credit card?

Cashback means that you get back a percentage of what you spend with the credit card. The terms vary between cards, for example where the cashback applies and how it is paid out.

Does a credit card include travel insurance?

Some credit cards include travel insurance when you pay for your trip with the card. What the insurance covers differs between cards, so check the terms with the card issuer.

Will applying for a credit card affect my credit history?

When you apply for a credit card, card issuers make a credit check with a credit bureau. Applying through Sambla means you submit one application to compare several credit cards.

Emmyline Rundberg
Emmyline Rundberg
Updated: 2026-10-16

Emmyline is editorial manager at Sambla and is responsible for content within personal finance. She works to make information about loans, savings, and finances clear and easy to understand.

Emmyline Rundberg's LinkedIn profile