Travel Credit Cards

Planning a trip? With the right credit card, you can save money on flights, hotels, and currency exchange—while also getting travel insurance included.

But which credit card is actually the best for travel?

In this guide, we have gathered the best travel cards in Norway based on what you actually need: low fees, great bonus programs, or maximum peace of mind while traveling.

The 5 best credit cards for travel are:

  1. 1
    Bank Norwegian Visa:

    Named the best travel card

  2. 2
    TF Bank Mastercard
    TF Bank Mastercard:

    Best travel insurance

  3. 3
    Morrow Kredittkort
    Morrow Bank kredittkort:

    Fee-free to use abroad

  4. 4
    Re:member Black
    Re:member black:

    Best for discounts

  5. 5
    SAS Eurobonus World Mastercard:

    Best for bonus points

Best Travel Credit Cards for 2026

Are you planning a vacation in 2026? If so, you should consider bringing a good travel card along. We have rounded up the best travel credit cards so you can enjoy peace of mind and a convenient payment solution while on holiday.

    Named the best travel card

    Bank Norwegian Visa

    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.

    Bank Norwegian Visa
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    Advantages of Bank Norwegian Visa
    • 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
    Effective interest rate 24,40 %
    Credit limit 150 000 kr
    Annual fee 0 kr
    You cannot have payment remarks or debt collection cases when applying for a credit card.
    Effektiv rente 24,4 %, 15 000 kroner over 1 år. Kostnad: 1 849 kroner. Total: 16 849 kroner.
    Best travel insurance

    TF Bank Mastercard

    TF Bank Mastercard is an excellent travel card offering great insurance coverage and flexible terms. You can withdraw cash from ATMs at no cost, get discounts on both hotels and rental cars, and enjoy peace of mind thanks to the included travel-related insurance.

    TF Bank Mastercard
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    Advantages of TF Bank Mastercard
    • No annual fee
    • No fees on purchases
    • No fees on cash withdrawals
    • Access to hundreds of discounts through DealPass
    • Travel and cancellation insurance included
    Effective interest rate 26,69 %
    Credit limit 200 000 kr
    Annual fee 0 kr
    You cannot have payment remarks or debt collection cases when applying for a credit card.
    Eff. Rente 26,69% kr 25.000/12 mnd, kost. 3 337 totalt kr. 28 337
    Fee-free to use abroad

    Morrow Bank kredittkort

    Morrow Bank credit card is a fee-free Mastercard that gives access to discounts and benefits through the Morrow More loyalty program, as well as flexible payment solutions and included insurance. The card is best suited for those who want a simple everyday card with no annual fee, and who are willing to actively use discounts and promotions to get the most value.

    Morrow Kredittkort
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    Advantages of Morrow Bank kredittkort
    • No annual fee
    • Up to 50 interest-free days
    • 3, 6 or 9 month payment deferral
    • Mastercard ID Theft Protection included
    • Discounts through Morrow More
    Effective interest rate 28,77 %
    Credit limit 100 000 kr
    Annual fee 0 kr
    You cannot have payment remarks or debt collection cases when applying for a credit card.
    Eff. Rente 28,77% kr 12.000/12 mnd, kost. 1 726 totalt kr. 13 726
    Best for discounts

    Re:member black

    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.

    Re:member Black
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    Advantages of Re:member black
    • 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
    Effective interest rate 29,89 %
    Credit limit 150 000 kr
    Annual fee 0 kr
    You cannot have payment remarks or debt collection cases when applying for a credit card.
    Effektiv rente 29,89 %, 15 000 kr over 12 måneder. Kostnad 1 695 kr. Totalt 16 695 kr.
    Best for bonus points

    SAS Eurobonus World Mastercard

    The SAS EuroBonus Mastercard is the card for those who fly regularly with SAS and want to earn bonus points on all card purchases.

    SAS Eurobonus World Mastercard
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    Advantages of SAS Eurobonus World Mastercard
    • You earn 10 to 20 Bonus Points for every 100 NOK you spend
    • A relatively good credit card for those who travel frequently with SAS
    • Travel and accident insurance—including cancellation coverage—is always included when at least 50% of the trip is paid for with the card
    • Option to get a PointEarner supplementary card for 295 NOK per year
    Effective interest rate 30,69 %
    Credit limit 100 000 kr
    Annual fee 233 kr 588 kr
    You cannot have payment remarks or debt collection cases when applying for a credit card.
    Eff. rente 30,69 %. 15000 o/12 m. Totalt: 17 154 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.

Good Reasons to Use a Credit Card when Traveling

Credit cards offer many advantages, but they become especially valuable when traveling. A travel credit card provides not only flexibility but also a range of financial and security benefits. When traveling, a credit card can save you money, offer greater peace of mind, and make your vacation easier. Here are the key benefits of using a credit card for travel:

  • Free travel insurance: The vast majority of credit cards include free travel insurance when you pay for at least half of your trip with the card. This provides extra peace of mind in the event of delays, lost luggage, or unforeseen incidents. Find the best credit cards with travel insurance here.

  • Enhanced security: Credit cards protect you against fraud and allow you to dispute unauthorized transactions. If you lose the card, it can be quickly blocked without financial loss.

  • Low foreign currency surcharge: All Norwegian debit and credit cards have a foreign currency surcharge, but travel cards often offer lower ones. This means you can save money when making purchases in foreign currencies. Here, you can compare credit cards with low foreign currency surcharges.

  • Travel bonuses and discounts: Many travel credit cards allow you to earn bonus points or cashback on travel-related purchases such as flight tickets, hotels, and car rentals. This can help reduce the cost of future trips and provide you with additional benefits along the way.

  • Free cash withdrawals: Many credit and debit cards charge fees for cash withdrawals abroad. The best travel cards, however, allow you to withdraw cash without fees, which can save you from unnecessary holiday expenses. Be aware, though, that with credit cards, interest often starts accruing from the date of the withdrawal. To avoid interest charges, you should therefore repay the amount as quickly as possible. Read more about credit card cash withdrawals in our course.

  • Lounge access: The most exclusive credit cards offer airport lounge access. It is a luxurious perk that adds a touch of gold to your travels. You would often have to pay a rather steep fee for this otherwise, so having it included with your credit card is a major advantage.

Be Aware of Fees Abroad

When using a card abroad—whether a debit or credit card—you unfortunately cannot avoid fees. Costs such as currency exchange surcharges and withdrawal fees can quickly make your trip more expensive than necessary. We offer tips on how to minimize these costs.

Currency surcharge – don't pay more than you have to

A currency surcharge is a fee added when you make purchases in a foreign currency, typically ranging from 1.75% to 2.5% of the transaction amount. No Norwegian cards are completely free of currency surcharges, but travel credit cards often offer lower rates, making them more cost-effective for vacations. In Norway, the lowest currency surcharge is 1.75%.

Tip: Always choose to pay in the local currency when using your card abroad. This ensures you avoid dynamic currency conversion, where the merchant or bank applies a less favorable exchange rate than the one offered by your card issuer.

Withdrawal fees – avoid expensive ATM withdrawals

Many banks charge a withdrawal fee of 30–50 kroner and/or a percentage of the amount each time you withdraw cash abroad. Fortunately, there are credit cards with no withdrawal fees, such as:

  • Bank Norwegian (Up to 45 days interest-free on cash withdrawals)
  • TF Bank Mastercard (No interest-free period for cash withdrawals)
  • Morrow Bank (No interest-free period for cash withdrawals)

Keep in mind that even though these cards do not charge withdrawal fees, interest begins to accrue immediately from the date of the withdrawal. To avoid high interest costs when you return from your holiday, it is wise to pay back the amount as quickly as possible—ideally on the same day.

Tip: If your debit card charges a withdrawal fee, you should use a credit card without such fees (e.g., Bank Norwegian) for cash withdrawals. Transfer the amount immediately from your bank account to avoid interest charges. This way, you save money and avoid both high interest costs and unnecessary fees.

Be aware of fees abroad

Compare the Best Travel Credit Cards

Choosing the right credit card for your trip can save you hundreds of kroner while on vacation. Whether you are looking for a travel card with complimentary travel insurance, fee-free cash withdrawals, a low foreign exchange markup, or bonus points on flights, there is a card that suits your needs.

In the table below, we compare the best travel credit cards, clearly categorized by costs and benefits—making it easy for you to find the one that best fits your holiday plans.

Travel card Annual fee Currency surcharge Withdrawal fee Travel benefits
TF Bank MastercardTF Bank Mastercard 0 kr1,75 %0,00 %

Travel insurance, rental car excess insurance, discounts through DealPass
Bank Norwegian VisaBank Norwegian Visa 0 kr1,75 %0,00 %

Travel insurance, cheaper flight tickets with Norwegian Air using CashPoints or cashback.
Morrow KredittkortMorrow Bank kredittkort 0 kr1,75 %0,00 %

Travel insurance, rental car insurance, rental car discount
Re:member BlackRe:member black 0 kr2,00 %1,00 % + 35 kr

Discounts on hotels, car rentals, and flights via Re:member Reward; travel insurance.
Re:member goldRe:member gold 0 kr2,00 %0,00 %

Lowest interest rate
SAS Eurobonus World MastercardSAS Eurobonus World Mastercard 233 kr 588 kr2,00 %4,00 % (min 40 kr)

SAS Bonus Points, travel insurance
American Express Platinum CardAmerican Express Platinum Card 7 800 kr2,50 %4,00 % (min 25 kr)

Comprehensive travel insurance, lounge access, bonus points

Credit Card Travel Benefits

Do you spend a lot of time at the airport? Are you planning to rent a car for your trip? Tips for your road trip Save money on hotel stays Do you fly often?

For travelers who frequently find themselves waiting at the airport, access to airport lounges can be a valuable benefit. Several premium credit cards offer worldwide lounge access through Priority Pass or LoungeKey. Here, you can relax in comfortable surroundings, enjoy complimentary food and drinks, and work undisturbed before your flight. Choosing a credit card with lounge access can make your journey both more comfortable and more efficient. The American Express Platinum card is the best choice for those who spend a lot of time at airports; with Priority Pass, you get unlimited access to over 1,600 lounges worldwide.

Several travel credit cards offer discounts with car rental companies like Hertz and AVIS, as well as excess insurance that covers costs if the vehicle is damaged or stolen. This can save you money on expensive additional insurance and provide extra peace of mind during your trip. The TF Bank Mastercard offers discounts with several well-known car rental companies, along with excess insurance that covers you if the rental car is damaged or stolen.

Whether you are planning a long road trip across Europe or a weekend getaway closer to home, it pays to choose a credit card that offers benefits specifically tailored to driving holidays. With the right card, you can save money on fuel, avoid unnecessary fees, and enjoy extra peace of mind while traveling.

Consider choosing a travel credit card with cashback so you get money back every time you fill up, even abroad. Many traditional fuel cards only offer discounts at Norwegian gas stations. A card like the Bank Norwegian Visa, however, offers cashback on all purchases—including fuel abroad—and also features a low foreign exchange fee, travel insurance, and rental car insurance.

Some travel credit cards provide access to rewards programs featuring exclusive discounts on hotel stays, whether you are traveling internationally or planning a holiday in Norway.

With re:member black, you gain access to the re:member reward program, which offers discounts at a range of hotels and booking services such as Hotels.com and Expedia. This card is perfect for frequent international travelers looking to secure great hotel deals worldwide.

The TF Bank Mastercard, on the other hand, stands out for its discounts on hotels, spas, and other experiences in Norway and Scandinavia. Through its partnership with DealPass, you receive exclusive price reductions on accommodation and activities, making the card ideal for both weekend getaways and local holidays.

If you fly several times a year, getting a credit card with flight rewards offers a significant advantage. Credit cards partnered with the airline SAS, in particular, can help you save a lot of money on your flights. With SAS Amex cards, for example, you can travel as a pair while paying for only one ticket.

  • SAS Amex Classic – Spend NOK 100,000 within a calendar year and enjoy a 2-for-1 trip within Europe once a year.
  • SAS Amex Premium – Spend NOK 150,000 within a calendar year and enjoy a 2-for-1 trip worldwide once a year.
  • SAS Amex Elite – Spend NOK 150,000 within a calendar year and enjoy a 2-for-1 trip worldwide twice a year.

In addition, you earn EuroBonus points on all purchases made with the cards. These points can be used with various airlines within SkyTeam, as well as for other travel-related categories. Many people like to combine SAS Amex cards with an SAS Mastercard, since Amex is not yet accepted everywhere. We have compiled everything you need to know about SAS EuroBonus in our course.

Notify Your Credit Card Provider About International Travel

Many Norwegian credit cards have a regional block, meaning they work only in Norway or the Nordic region by default. If you travel outside this area without enabling the card for the specific region, it simply will not work abroad. Additionally, the card issuer may temporarily block the card if they detect unusual transaction patterns—such as sudden usage in a country where you do not normally shop. While this is a security measure designed to protect you against fraud and theft, it can also affect you while you are traveling legitimately.

Before you leave, you should therefore check your bank’s or credit card issuer’s app to see if your card has a regional block and, if necessary, enable it for the country or region you plan to visit. Most banks allow you to do this yourself via online banking or the mobile app, without needing to call customer service. Some banks also offer SMS notifications that alert you if the card is used in a region you haven't enabled, providing an extra layer of security against misuse.

Should You Use a Debit Card or a Credit Card While on Vacation?

It is generally smarter to use a credit card rather than a debit card when traveling, primarily due to lower costs. They protect you against fraud, allow you to dispute incorrect charges, and ensure that fraudsters do not have direct access to your funds—as they would with a debit card.

All Norwegian cards—both credit and debit cards—carry a currency exchange surcharge of around 1.75–2.5% when used abroad.

Debit Cards with No Currency Exchange Markups or Withdrawal Fees

The best option for purchases in other currencies is international debit cards. This is because they do not charge currency exchange markups or withdrawal fees.

  • Switch between different currencies free of charge.
    Wise debetkort
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    Wise debetkort

    Pros
    • Send money to over 160 countries and across 40 currencies for free in the Wise app
    • Receive money quickly and for free from other Wise users
    • Wise has no currency markups but charges a low conversion fee starting at around 0.35%, based on the mid-market rate
    • Link a debit card to Wise for minimal fees when traveling abroad
    • Free ATM withdrawals up to 2,900 NOK per month
    Effective interest rate 0,00 %
    Interest-free period 0 days
    Credit limit 0 kr
    Annual fee 0 kr
  • The smart everyday bank account
    N26 Smart
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    N26 Smart

    Pros
    • 0.25% savings interest rate
    • Automatic savings features
    • No currency exchange surcharge or withdrawal fees in euros
    Effective interest rate 0,00 %
    Interest-free period 0 days
    Credit limit 0 kr
    Annual fee 650 kr
  • Free European account
    Revolut Standard
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    Revolut Standard

    Discounts
    Pros
    • Free cash withdrawals of up to NOK 2,000 or up to 5 withdrawals per month
    • Fee-free currency exchange on weekdays (Monday–Friday) up to a limit of NOK 10,000 per month
    • Earn 1 point for every NOK 150 you spend
    Effective interest rate 0,00 %
    Interest-free period 0 days
    Credit limit 0 kr
    Annual fee 0 kr
  • Ideal for families
    Lunar Standard
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    Lunar Standard

    Pros
    • Access to up to 3 digital cards and accounts
    • Invest in stocks and funds
    • Access to great tools for budgeting and saving
    Effective interest rate 0,00 %
    Interest-free period 0 days
    Credit limit 0 kr
    Annual fee 348 kr
No cards match your choices

Summary

Using the right credit card when traveling can make your vacation both safer and more affordable. Choose a card that suits your needs, whether you want to earn bonus points, get hotel discounts, or enjoy perks like travel insurance and lounge access. Remember to use the card wisely by paying in the local currency and being aware of any fees. Our tip for finding the best travel credit card in 2026 is to compare cards based on insurance coverage, fees, and bonus programs.

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