Best Gold Card 2026
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 nowAdvertisementGet access to 1,300 airport lounges with Priority PassAmerican Express Gold Card
Credit limit 400 000 krAnnual fee 2 100 krEffective interest rate 30,26 %Interest-free period 45 days- Includes Priority Pass, granting access to 1,300 lounges worldwide.
- Pick up breakfast, lunch, or dinner at selected airports with Lounge on-the-go.
- Lower rental car excess and discounts when booking a rental car with your Amex card.
- Travel insurance providing coverage of up to NOK 1,000,000 in compensation.-
Annual fee 2 100 kr Invoice fee 45 kr (0 kr e-invoice) Withdrawal fee 4,00 % (min 25 kr) Currency surcharge 2,50 % Extra card No Mobile payment Apple Pay - No payment remarks
- You must be employed
- You must be at least 18 years old
The American Express Gold card is a great choice if you travel frequently and want exclusive benefits. The card offers access to airport lounges, travel insurance, and the opportunity to earn points on all purchases. While the cost is moderate compared to other premium cards, it is only worthwhile if you actively make use of the benefits. Other cards might be better suited for lower fees and greater simplicity, but this is a strong option for flight rewards and experiences.
Written by Bengt
Finansskribent
Eff. rente 30,26%, 50 000 kr o/12 mnd. Kostnad 7 457 kr. Totalt 57 457 kr.
Apply nowAdvertisementCard for high-income or high-net-worth individualsDNB Saga Gull
Credit limit 150 000 krAnnual fee 0 krEffective interest rate 19,56 %Interest-free period 45 days- Travel insurance included
- Discount at gas stations and on EV charging
- Upgrade your card for NOK 169 per month and earn EuroBonus points
- Access to airport lounges
Annual fee 0 kr Invoice fee 49 kr (0 kr e-invoice) Withdrawal fee 1,00 % + 40 kr Currency surcharge 1,99 % Extra card No Mobile payment Apple Pay, Google Pay, Samsung Pay and Garmin Pay - No payment remarks
- An annual income of at least 1 000 000 kr is required
- You must be at least 18 years old
An exclusive credit card from DNB featuring an even more exclusive customer program. The card offers fantastic benefits and a relatively low annual fee of NOK 295. To obtain the SAGA credit card, you must have an annual income exceeding NOK 1,000,000 or investable assets with DNB of over NOK 2,000,000.
Written by Bengt
Finansskribent
Nom.rente 18,00 %, eff.rente 19,56 %, 130.000 kroner over 12 måneder. Kostnad: 13.021 kroner. Totalt: 143.021 kroner.
Apply nowAdvertisementAccess to airport loungesEurocard Gold
Credit limit unlimitedAnnual fee 645 krEffective interest rate 33,87 %Interest-free period 30 days- No fixed upper spending limit
- Includes travel and cancellation insurance
- Access to selected airport lounges in Europe
Annual fee 645 kr Invoice fee 15 kr (0 kr e-invoice) Withdrawal fee 4,00 % (min 60 kr) Currency surcharge 2,00 % Extra card No Mobile payment Apple Pay, Samsung Pay and Garmin Pay - No payment remarks
- An annual income of at least 250 000 kr is required
- You must be at least 18 years old
Eurocard Gold is suitable for those who want great spending freedom without a fixed upper purchase limit and who value exclusive travel benefits such as lounge access. The card has a high annual fee, making it best suited for active credit card users who desire flexibility and comfort when traveling.
Written by Bengt
Finansskribent
Eff. rente 33,87 %, 15.000 kr o/12 mnd. Kostnad kr 2 333.
Apply nowAdvertisementBest fee-free credit cardRe:member gold
Credit limit 150 000 krAnnual fee 0 krEffective interest rate 20,15 %Interest-free period 45 days- Low effective interest rate
- 45 days interest-free credit
- Apply for a payment-free month
- You can order a fee-free additional card at any time
- Clear online banking and app
Annual fee 0 kr Invoice fee 10 kr (0 kr e-invoice) Withdrawal fee 0,00 % 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 Gold is a fee-free credit card from Entercard with no annual fee or withdrawal fee. The card has an effective interest rate of 20.15% (nominal interest rate 18.50%), one of the lowest among Norwegian credit cards, and gives you up to 45 days of interest-free credit on purchases.
On the other hand, re:member Gold is a simple card without cashback, bonus program or travel insurance. This makes the card a good choice if you prioritize low costs and occasionally pay off the balance in installments – but a worse choice if you want discounts or insurance. If you want such benefits, the sister card re:member Black is a better alternative.
Written by Bengt
Finansskribent
Effektiv rente 20,15 %, 15 000 kr over 12 måneder. Kostnad 1 215 kr. Totalt 16 215 kr.
What Is a Gold Card?
A gold card is a type of credit card often marketed as an upgraded version of a standard credit card. Gold cards frequently offer additional benefits and a higher credit limit. However, the term is not strictly defined, and financial institutions determine for themselves what qualifies as a gold card.
Originally, gold cards were a symbol of exclusivity and high financial status, but today they are more accessible to a wider range of customers. To stand out, gold cards are often expected to offer superior benefits, higher limits, or a more exclusive experience. Some companies also use the English term "Gold Card" to highlight the card's status and appeal.
Who Can Get a Gold Card?
Eligibility for a gold card depends on the requirements set by the card issuer. Gold cards are often designed for individuals with stable finances and good creditworthiness, though requirements vary between financial institutions. The most common requirements for obtaining a gold card are:
- Good credit score
Gold cards are often issued to individuals with a solid credit rating. This means you must have a good payment history and no active payment defaults. - Steady income
Many card issuers require a stable income to qualify for a gold card. There are often minimum annual income requirements, which can range from moderate to high depending on the specific card. - Age
You generally must be at least 18 years old, though some gold cards may have higher age limits, such as 20 or 23. - Established customer relationship
Some banks prioritize existing customers or have lower requirements if you already hold other products with them. - Specific issuer requirements
Some gold cards are linked to specific memberships or customer segments, such as employees of certain companies or members of specific organizations.
How to Increase Your Chances of Getting a Gold Card
- Keep your finances under control and make sure to pay your bills on time.
- Avoid credit defaults and unnecessary use of credit.
- Meet the income requirement set by the card issuer.
Benefits of Gold Cards
Gold cards are not as exclusive as they once were, but they still offer more benefits than standard credit cards and can be available to many people with good financial discipline. These benefits can vary depending on the card issuer, but here are some of the most common ones:
-
Enhanced travel benefits
Most credit cards in Norway include travel insurance, but gold cards often stand out by offering extended coverage. In addition, some gold cards provide exclusive perks such as airport lounge access, making travel more comfortable and luxurious. -
Higher credit limit
Gold cards are often credit cards with a high credit limit, offering significant financial flexibility. This is ideal for individuals who want greater purchasing power, especially for travel or major purchases. -
Better rewards programs with higher discounts
Many gold cards offer access to attractive rewards programs featuring higher discounts, cashback, or cash earnings. This can lead to significant savings over time. -
Better insurance coverage
In addition to travel insurance, gold cards can offer other types of insurance, such as ID theft protection, purchase protection, and extended warranty coverage on purchased items.
-
Priority customer service
Gold cardholders can often access priority customer service, resulting in faster processing and better follow-up regarding questions or issues.
-
Exclusive design
Gold cards often feature a more luxurious design that symbolizes status and prestige. Although this offers no practical value, it can be appealing to many.
-
Exclusive membership benefits
Gold cards often include special access to events, exclusive concerts, or ticket presales. Such benefits are usually reserved for cardholders with a gold card or a higher tier.
How Much Does a Gold Card Cost?
The annual fee for a gold card in Norway typically ranges from NOK 500 to NOK 2,000, depending on the included benefits. Some cards are free—either permanently or for the first year—but they often offer fewer perks.
Gold cards with higher annual fees often provide benefits such as comprehensive travel insurance, lounge access, and rewards programs. If you use the card actively, these benefits can make the annual fee worthwhile. For those who do not require such extras, a gold card with a lower annual fee—or no fee at all—might be a better choice.
Compare the Best Gold Cards in Norway
| TF Bank Mastercard  | American Express Gold Card  | DNB Saga Gull  | Resurs Gold Mastercard  | |
|---|---|---|---|---|
| Credit limit | 200 000 kr | 400 000 kr | 150 000 kr | 75 000 kr |
| Effective interest rate | 26,69 % | 30,26 % | 19,56 % | 26,50 % |
| Interest-free period | 43 days | 45 days | 45 days | 60 days |
| Annual fee | 0 kr | 2 100 kr | 0 kr | 0 kr |
| Cashback | ||||
| Travel insurance | ||||
| Bonus | ||||
| Fuel discount | ||||
| Extra card | ||||
| Apply nowAdvertisement Nom.rente 18,00 %, eff.rente 19,56 %, 130.000 kroner over 12 måneder. Kostnad: 13.021 kroner. Totalt: 143.021 kroner. |
Summary – Is a Gold Card Right for You?
A gold card is a good choice if you want more than just a basic credit card. They are ideal for people who travel frequently, shop a lot, or want a higher credit limit combined with extra benefits. At the same time, you should consider whether you will actually benefit from the perks before choosing a gold card.
Questions and Answers
What is a gold card?
What are the benefits of a gold card?
How much does a gold card cost?
Can I get a gold card without a steady income?
What does it take to get a gold card?
