Best credit cards in 2026

When you choose a credit card, that credit card will have a grace period (interest-free days) of between 45 and 52 days. Grace period or interest-free days means that you do not pay any fees or interest on the outstanding balance you have on your credit card. We recommend that you pay off your outstanding balance as soon as possible so that you can focus on other things. Read more about interest-free days.

You can cancel the credit card as long as you have repaid the outstanding balance, then you must contact the card provider and cancel it.

Yes, you must have a BankID to get a credit card in Norway. When you apply for a loan or credit card in Norway, all applications must be confirmed and validated with BankID. You must have this ready before applying for a credit card. If you do not have a BandID, you can read more here.

The application itself only takes a few minutes, what takes time is for the bank to do a credit assessment, then the bank will produce the card and send it to you. The whole process can take between 2 to 7 business days before you receive your credit card. Some credit cards can be obtained on the same day, see which ones on this page.

In Norway, you get your credit card bill once a month. This gives you plenty of time to pay off the outstanding balance on your credit card. Usually, your credit card is also linked directly to your online bank, so you can easily log in and see what you owe.

In Norway you can transfer money from a credit card to a bank account. It is important to remember that this costs money and the fee from the card provider varies from company to company. Here is everything you need to know.

Yes, all banks will check your credit when you apply for a credit card. The bank does this because they have to assess you as a customer. The bank must also assess whether you can handle an interest rate increase of between 3 and 5% if it should occur. Having a credit check is free, and you will also receive a letter in your mailbox after a few days with information about who has checked your credit. You can read about solutions to avoid credit checks here.

You can see your outstanding balance on the invoice you receive or directly in your online bank. In the online bank you can also see:

1. What you have spent the money on
2. When you bought the product
3. Overdue invoices and outstanding balance

Yes, it may be a good idea to get a credit card if you have good control over your finances and always pay your bills in full. It is also a good idea if you travel a lot and want travel insurance and free currency exchange. It is not a good idea if you have poor financial control, often forget due dates or have existing debt problems.

• high interest rate on late payments
• risk of debt problems
• can affect credit score

There can be several reasons why a credit card application is rejected. The most common reasons are:

1. Low income – If you do not meet the bank’s minimum income requirements.
2. Payment notes – Previous payment problems can lead to automatic rejection.
3. Too many loans or credit cards – High total debt or many open credit lines increase the risk.
4. Low credit score – The bank considers you to be an unreliable payer.
5. Age or unstable finances – You may be rejected if you are too young, or if your finances are considered unstable.

One to two credit cards are enough for most people. But it may be worth having more cards if you want to combine different benefits, shop a lot, and want to maximize discounts and bonus schemes. Read more here: How many credit cards can I have?