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Best Travel Credit Cards in Norway

2. July 2025

Written by

Kristian

Reviewed by

Frederik Nielsen

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Example: The variable credit interest rate is 28.77% (April 2024). The annual fee is NOK 0. Utilizing a credit of NOK 12,000 and repaying through 12 payments over 12 months, the effective interest rate is 28.77%. The total amount to be repaid is NOK 13,726.

Looking to save money while you travel – and get extra perks along the way? Travel credit cards in Norway give you rewards on flights, hotels, and more, plus benefits like free travel insurance and no foreign transaction fees.

Whether you fly often or just want to make your next trip smoother and cheaper, the right travel card can make a big difference. In this guide, you’ll discover the best options in Norway and how to choose one that fits your travel style – so every purchase brings you closer to your next destination.

Compare the Best Travel Credit Cards in Norway

Travel credit cards vary in their rewards, insurance coverage, and international fees. To help you choose the right one for your travel habits, here’s a side-by-side comparison of the top options available in Norway:

Card Name	Effective Interest	Foreign Transaction Fee	Travel Insurance	Annual Fee	Best For
Bank Norwegian Visa	24.4%	0 NOK	Included	0 NOK	Flights & everyday use
re:member Black	30.33%	0 NOK	Included	0 NOK	Cashback & travel perks
Morrow Bank Credit Card	28.77%	Varies	Included	0 NOK	Bonus points & flexibility

All three cards offer free travel insurance and are widely accepted internationally. Bank Norwegian stands out for flight-related rewards and no fees on cash withdrawals abroad. re:member Black is ideal if you want cashback alongside travel benefits, while Morrow Bank is a solid pick for earning bonus points on daily spending, including travel.

What is a travel credit card?

A travel credit card is a type of credit card specifically designed for individuals who travel frequently, whether domestically or internationally. Unlike standard credit cards, travel cards come with benefits and features that are tailored to the needs of travelers. They enable cardholders to earn rewards on travel-related expenses, such as airline tickets, hotel stays, and car rentals, which can be redeemed for further travel, upgrades, or even cash back in some cases.

These cards often provide additional perks like access to airport lounges, priority boarding, and no foreign transaction fees, making international purchases more economical. The idea is to make your travel experiences more rewarding and cost-effective. For instance, by using a travel credit card, you can accumulate points for every dollar spent on travel, which can later be converted into air miles for flight tickets or used for hotel bookings.

Furthermore, travel credit cards can offer layers of protection, such as travel insurance, which covers lost luggage, trip cancellations, and medical emergencies abroad. This added security feature provides peace of mind, knowing you have financial backup in unexpected situations while traveling.

• Earn Rewards: Accumulate points on travel purchases that can be redeemed for flights, hotels, and more.
• No Foreign Transaction Fees: Save on fees when making purchases abroad.
• Travel Insurance: Benefit from coverage for lost luggage, trip cancellations, and medical emergencies.
• Airport Lounge Access: Enjoy access to exclusive airport lounges for a more comfortable travel experience.
• Priority Boarding: Some cards offer priority boarding on flights, adding convenience to your travel.
• Complimentary Upgrades: Eligibility for upgrades on flights, hotels, or car rentals, enhancing your travel comfort.
• Flexible Redemption Options: Points can often be used for a wide range of travel-related expenses, not just flights.
• Bonus Points: Opportunity to earn bonus points on sign-up or when reaching certain spending thresholds.
• Concierge Services: Access to travel and lifestyle concierge services, assisting with bookings and providing travel advice.
• Emergency Assistance: Quick access to emergency services, providing support in urgent situations while traveling.

How to Apply for a Travel Credit Card Online

Applying for a travel credit card online in Norway is a convenient process that can be completed from the comfort of your home. Here’s a step-by-step guide to help you navigate the application process:

1. Research and Compare: Start by researching different travel credit cards available in Norway. Compare their rewards, benefits, fees, and interest rates to find the one that best suits your travel habits and financial situation.
2. Check Eligibility: Before applying, ensure you meet the eligibility criteria for the credit card. This often includes age, income, and residency requirements.
3. Gather Necessary Documents: Prepare the necessary documents required for the application. This typically includes identification, proof of income, and any other financial information the issuer might request.
4. Fill Out the Application: Visit the credit card issuer’s website and navigate to the online application. Fill out the form with accurate and up-to-date information. This will include personal details, financial information, and possibly details about your travel habits.
5. Review Your Information: Before submitting your application, review all the information you’ve entered to ensure it’s correct. Errors or omissions can delay the processing of your application.
6. Submit Your Application: Once you’ve reviewed your information, submit your application. The issuer will then perform a credit check to assess your creditworthiness.
7. Wait for Approval: After submitting your application, there will be a waiting period while your application is reviewed. If additional information is needed, the issuer may contact you.
8. Receive Your Card: If approved, you’ll receive your travel credit card by mail. Follow the instructions provided to activate it, and then you can start using it for your travels.

Pros and Cons of Travel Credit Cards

Travel credit cards offer valuable perks for frequent flyers and holiday travelers alike. But like all financial products, they come with both advantages and limitations. Here’s what you should consider before applying:

Pros

• Free travel insurance
  Most travel cards include insurance for cancellations, delays, lost luggage, and medical emergencies when you pay for the trip with the card.
• No foreign transaction fees
  Save 1–3% on every purchase abroad by avoiding extra currency conversion charges.
• Earn travel rewards
  Accumulate points or miles on flights, hotels, and other purchases – redeemable for travel discounts or upgrades.
• Access to travel benefits
  Some cards offer priority boarding, airport lounge access, hotel upgrades, or concierge services.
• Accepted worldwide
  Travel credit cards are typically part of major networks like Visa or Mastercard, ensuring global usability.

Cons

• High interest rates
  If you don’t pay your balance in full each month, travel cards can become expensive due to elevated effective interest rates.
• Rewards often locked to travel use
  Points or miles may only be redeemable for travel-related expenses – not cash or everyday purchases.
• Limited value for infrequent travelers
  If you rarely travel, the perks may go unused and not justify even a zero-fee card.
• Possible spending requirements
  Some cards offer bonus points only after meeting minimum spend thresholds within the first months.

Evaluating these pros and cons will help you decide if a travel credit card adds real value to your spending habits – or if a general rewards or low-interest card would serve you better.

Which Travel Card Fits Your Travel Style?

Not all travel credit cards are built for the same type of traveler. Whether you fly often, travel on a budget, or prefer flexibility, choosing the right card depends on how – and how often – you travel. Here’s a breakdown to help you find your best match.

Occasional Traveler

If you take a few trips per year and want simple travel benefits without complications, re:member Black is a strong choice. It gives you free travel insurance and cashback on everyday purchases, making it valuable even when you’re not traveling.

Recommended card:

• re:member Black – Cashback + travel insurance, no annual fee

Frequent Flyer

For those who travel often – especially by air – a card that offers travel rewards and extra flexibility is essential. Bank Norwegian Visa earns CashPoints with Norwegian Reward, which can be used for flights, baggage, and seat reservations.

Recommended card:

• Bank Norwegian Visa – Earn CashPoints, no withdrawal fees, solid insurance

Budget-Conscious Traveler

If you prioritize low fees and bonus value on everyday spending, Morrow Bank Credit Card offers up to 4% in bonus points, including at online stores like Komplett.no. It’s great for combining general purchases and travel savings.

Recommended card:

• Morrow Bank – Bonus rewards, 0 NOK annual fee, useful beyond travel

Matching your card with your travel style ensures that you get real, ongoing value – whether you’re heading to the airport monthly or just planning the next summer trip.

How to Maximize the Value of Your Travel Credit Card

A travel credit card is only as valuable as the benefits you use. To get the most out of your card, it’s important to align your spending with the rewards and perks it offers. Here are key strategies to help you unlock full value.

1. Book flights and hotels with the card

Most travel cards offer extra points or miles when you book airfare, accommodation, or rental cars directly. Always use your travel card for these expenses to maximize rewards and ensure insurance coverage applies.

2. Use the card abroad to avoid fees

Choose cards with no foreign transaction fees for international purchases. Paying with your travel card while abroad helps you avoid currency conversion charges, which can add 1–3% to every purchase.

3. Track and redeem your points smartly

Log into your card’s rewards portal regularly to check your balance and expiry dates. Plan redemptions in advance – points are often worth more when used for flights or upgrades than for gift cards or merchandise.

4. Activate welcome bonuses

Many cards offer bonus points after reaching a spending threshold (e.g. 10,000 NOK in 3 months). Plan large purchases around this to secure the bonus without unnecessary spending.

5. Combine with loyalty programs

If your card links with airline or hotel loyalty programs (like Norwegian Reward), you can double-dip on rewards – earning both credit card points and loyalty status benefits.

By following these strategies, you ensure your travel card becomes a cost-saving tool – not just a way to pay. It’s about turning every trip and transaction into long-term value.