Best Cashback Credit Cards of 2026
Apply nowAdvertisementBest credit card for travel and vacationsBank Norwegian Visa
Credit limit 150 000 krAnnual fee 0 krEffective interest rate 24,40 %Interest-free period 45 days- Choose between earning cashback or CashPoints
- Travel and cancellation insurance
- Supports Apple Pay, Google Pay, Samsung Pay and Garmin Pay
- No annual fee
- Fee-free ATM cash withdrawals, with interest-free for up to 45 days
- Low currency surcharge
Annual fee 0 kr Invoice fee 9 kr (0 kr e-invoice) Withdrawal fee 0,00 % Currency surcharge 1,75 % Extra card No Mobile payment Apple Pay, Google Pay, Samsung Pay and Garmin Pay - No payment remarks
- You must be employed
- You must be at least 18 years old
We believe that Bank Norwegian is a very versatile credit card. Bank Norwegian is best suited for those who want a credit card with no annual fee, with bonuses on regular purchases and good terms when using abroad. The card is particularly competitive on currency surcharges and cash withdrawals, but the travel insurance has stricter terms from August 1, 2026. The card is less suitable for those who want high cashback, lounge benefits or travel insurance that also covers friends and other traveling companions.
Written by Bengt
Finansskribent
Effektiv rente 24,4 %, 15 000 kroner over 1 år. Kostnad: 1 849 kroner. Total: 16 849 kroner.
Apply nowAdvertisementOur pick: Best all-round cardTF Bank Mastercard
Credit limit 200 000 krAnnual fee 0 krEffective interest rate 26,69 %Interest-free period 43 days- No annual fee
- No fees on purchases
- No fees on cash withdrawals
- Access to hundreds of discounts through DealPass
- Travel and cancellation insurance included
- ID theft insurance included
- Up to 43 days of interest-free credit
- Credit limit of up to NOK 200,000
- Supports Apple Pay and Google Pay
Annual fee 0 kr Invoice fee 0 kr Withdrawal fee 0,00 % Currency surcharge 1,75 % Extra card No Mobile payment Apple Pay and Google Pay - No payment remarks
- You must be employed
- You must be at least 18 years old
TF Bank Mastercard is a fee-free credit card with travel insurance, ID theft insurance and access to the DealPass discount program. The card is particularly suitable for those who pay the entire invoice when due and actually want to use the discount program. However, the interest rate is relatively high, and the discounts only apply to selected partners.
Written by Bengt
Finansskribent
Eff. Rente 26,69% kr 25.000/12 mnd, kost. 3 337 totalt kr. 28 337
Apply nowAdvertisementBest credit card for online shoppingRe:member black
Credit limit 150 000 krAnnual fee 0 krEffective interest rate 29,89 %Interest-free period 45 days- Access to re:member reward: up to 20% discount in over 200 online stores
- No annual fee and up to 45 days of interest-free credit
- High credit limit: up to 150,000 NOK
- Supports Apple Pay and Google Pay
- Includes travel and cancellation insurance
Annual fee 0 kr Invoice fee 10 kr (0 kr e-invoice) Withdrawal fee 1,00 % + 35 kr Currency surcharge 2,00 % Extra card Yes Mobile payment Apple Pay and Google Pay - No payment remarks
- An annual income of at least 120 000 kr is required
- You must be at least 18 years old
re:member Black is a fee-free credit card for those who shop a lot online and want an easy way to get discounts. The card stands out with a high credit limit, free travel and cancellation insurance and access to re:member Reward – one of Norway's most comprehensive discount programs with over 200 online stores.
Written by Bengt
Finansskribent
Effektiv rente 29,89 %, 15 000 kr over 12 måneder. Kostnad 1 695 kr. Totalt 16 695 kr.
Apply nowAdvertisementBest credit card with low interest ratesInstabank kredittkort
Credit limit 100 000 krAnnual fee 0 krEffective interest rate 22,85 %Interest-free period 0 days- Exclusive offers and monthly discounts
- A credit card that is suitable for those who want to pay off their credit card bill over time
- Among the market's lowest interest rates
- Available credit limit of up to NOK 100,000
- No annual fee or establishment fee
Annual fee 0 kr Invoice fee 0 kr Withdrawal fee 2,00 % Currency surcharge 2,00 % Extra card No Mobile payment Apple Pay and Google Pay - No payment remarks
- An annual income of at least 250 000 kr is required
- You must be at least 23 years old
Instabank credit card is a new offering from the digital bank Instabank. The card has no interest-free days, but instead offers one of the lowest interest rates on the market. In addition, you can benefit from extra security in the form of payment insurance, and you can enjoy a discount system where you can get a 5% discount within various categories.
Written by Bengt
Finansskribent
Nominell rente 18,9%, effektiv rente 22,85%, 45 000 kr, o/1 år, kostnad: 5 219 kr, totalt: 50 219 kr.
Why Trust Us?
Our experts have extensive experience with credit cards and share honest analyses and reviews. We partner with some card issuers and receive a commission when you apply through us, but this never influences our recommendations or editorial content. Our goal is to provide you with the best and most objective guidance so that you can make the choice that is most beneficial for you.
What Is a Cashback Credit Card?
A cashback credit card is a type of credit card that offers rewards in the form of money back based on your spending. Cashback is a percentage of the transaction amount that you receive as a reward. Typically, these rewards can be redeemed as cash—either by applying them as a credit to your statement or by having them added directly to your credit card balance. Cashback programs may have various rules, such as limits on the amount of cashback you can earn or specific categories (like groceries or fuel) that offer higher cashback rates.
In short, a cashback credit card provides a financial benefit by returning a portion of what you have spent. This makes cashback credit cards an attractive option for those who want to earn rewards and save money on their everyday spending.
What Does Cashback Mean?
Cashback means you get back a certain percentage of the amount you spend. With credit cards, cashback is provided as a rebate based on your spending.
Let’s look at an example:
If you use a credit card offering 1% cashback, you get 1 krone back for every 100 kroner you spend. This is particularly beneficial if you pay your full bill by the due date, as you avoid interest charges and effectively earn money on your purchases.
The amount of cashback you receive varies between different cards and may be linked to specific categories, such as cards for groceries, fuel, or online shopping.
Different Types of Cashback
Not all cashback credit cards offer the same cashback programs. Some cards provide general cashback with a fixed percentage back on all purchases, while others offer higher cashback rates on specific categories such as groceries, fuel, or travel.
To get the most out of a cashback credit card, it is important to choose one that offers the highest cashback on the items you purchase most frequently. That way, you can maximize the benefits and save as much money as possible.
How Do Cashback Credit Cards Work?
Every time you make a purchase with your card, you earn a percentage back on the amount charged. The exact amount you earn depends on the terms of your specific credit card. These earnings accumulate in the card account, and you can redeem them according to the card's terms.
Some cards allow you to redeem your cash earnings in any amount at any time, while others require a minimum balance before the cashback amount can be paid out.
Are cashback and rewards programs the same thing?
No, not quite! Cashback returns a percentage of the total amount you spent to your account or applies it as a discount on your bill. A rewards program consists of agreements the bank has with various companies, offering you—the customer—better discounts when shopping with their partners. Let’s explain this in a bit more detail.
- Cashback literally means "money back." When you use a credit card with a cashback program, you get back a percentage of the amount you have spent. You can receive this cashback either as a direct deposit into your account, or the amount can be deducted from your next credit card bill.
- A discount is a price reduction offered at the time of purchase. This can be a percentage of the sales price or a specific reduction in the total amount. The advantage of discounts is that you save money immediately on your purchase, reducing the amount you have to pay right then and there.
- Rewards programs—also known as loyalty programs—are agreements the bank has with various companies to provide you, the customer, with better discounts when shopping with their partners. Let’s explain this in a bit more detail. Some cashback credit cards are linked to a rewards program that offers bonus points, discounts, or higher cashback rates when shopping with specific partners or in selected categories, thereby maximizing the value of each purchase.
A good example is TF Bank. TF Bank is very popular in Norway, but its card does not offer cashback. Instead, the card features an extensive rewards program called DealPass, which gives you discounts of up to 30% at hundreds of locations across Norway.
The illustration below shows all the locations in Norway where you can take advantage of the discounts and offers provided through TF Bank’s rewards program, DealPass. If you are looking for a credit card that offers discounts through a rewards program, you should consider TF Bank and Re:member Black, both of which are top-rated.
Best Cashback Credit Cards Across Various Categories
Our data shows that Bank Norwegian and TF Bank offer the most popular cashback credit cards on the market. However, it is important to consider your personal spending habits when choosing a cashback credit card, as many banks offer better cashback rates within specific categories.
To make your choice easier, we have categorized some of the most popular spending areas and listed the credit cards that offer the best cashback for each category. This provides a clear overview, helping you select the card that maximizes cashback in the areas where you spend the most. You can also find all these cards on our list of the best credit cards in Norway.
Which Credit Card Offers the Most Cashback?
Compare various cashback credit cards to find the one that offers the highest cashback. In the table below, you can easily compare the pros and cons of the cashback cards and find the one that suits you best.
If you want to earn the highest cashback on all purchases made with the card, the Bank Norwegian credit card is the best option. However, both the TF Bank Mastercard and re:member Black offer significantly higher cashback rates. We do recommend, however, that you first check which stores are included in their rewards programs to ensure there are offers you can actually make use of.
| Cashback credit cards | Annual fee | Cashback percentage | Restrictions |
|---|---|---|---|
 Bank Norwegian Visa | 0 kr | 0,5 % | Unlimited |
 TF Bank Mastercard | 0 kr | Up to 30% | Only in stores via Dealpass |
 Re:member black | 0 kr | Up to 20 % | Only in stores via re:member Rewards |
 Flekkefjord Sparebank MasterCard Gold | 0 kr | Up to 25% | Only in about 100 selected stores |
 Instabank kredittkort | 0 kr | 5 % | Only in one category per month |
All Cards with Cashback
Below we list all credit and debit cards in Norway that offer cashback.
Frequently Asked Questions
What is a cashback credit card?
How do credit cards with cashback work?
Is cashback better than bonus points?
What is the difference between a cashback card and a discount card?
Do I have to pay interest on cashback credit cards?
Do I get cashback on all purchases with a cashback credit card?
How much cashback can I get with a credit card?
