Compare credit cards on Loan.no
Compare credit cards from several card issuers and get a clearer overview of interest rates, fees, credit limits, interest-free periods and benefits before choosing a card.
A credit card gives you access to a revolving credit facility that can be used for purchases and, depending on the card, cash withdrawals or transfers. You decide how much of the available credit to use within the limit approved by the card issuer.
If you do not repay the full statement balance by the due date, interest may be charged on the outstanding amount. The cost and conditions vary between cards, making it important to compare more than the advertised benefits.
In short
Compare credit cards based on the effective interest rate, fees, credit limit, interest-free period and benefits. The most suitable card depends on how you intend to use and repay the credit.
Compare credit cards step by step
Start by considering how you expect to use the card. A card used mainly for travel may require different features from one used for everyday purchases or occasional expenses.
Use the information on Loan.no to compare the costs, limits and benefits of available credit cards. Check whether the features are relevant to your spending habits and whether any conditions or restrictions apply.
Details worth comparing
- Nominal and effective interest rates
- Annual and transaction fees
- Credit limit
- Interest-free period
- Cashback, rewards, insurance and other benefits
Information shown in the comparison
The credit card comparison may include interest rates, fees, credit limits, interest-free periods and selected benefits. This information is based on details provided by the card issuers and may change over time.
Always check the current terms on the issuer’s website before applying. The credit limit and conditions you receive are determined following an individual assessment.
Important to know
The information displayed is general. Approval, credit limit and other conditions depend on the card issuer’s assessment of your application and financial circumstances.
Interest rates and interest-free periods
The nominal interest rate shows the interest charged on an outstanding credit balance. The effective interest rate also accounts for relevant fees and therefore provides a better basis for comparing the potential cost of different credit cards.
Many cards provide an interest-free period for purchases. To benefit fully from this period, you normally need to repay the complete statement balance by the due date.
Cash withdrawals, transfers and certain other transactions may begin accruing interest immediately. Check which transactions qualify for the interest-free period before using the card.
Fees associated with credit cards
Credit card fees may include an annual fee, statement fee, cash withdrawal charge and foreign exchange fee. Additional charges may apply for late payments or exceeding the approved credit limit.
A credit card without an annual fee is not automatically the least expensive option. The total cost depends on how you use the card and whether you repay the balance in full.
Compare the complete cost
Consider the effective interest rate and all relevant fees, not only the annual fee or advertised rewards.
Credit limits and individual assessments
The advertised maximum credit limit is not necessarily the amount you will receive. The issuer determines your limit based on an individual assessment of your income, existing debt, regular expenses and payment history.
Choose a realistic credit limit that reflects your needs and ability to repay. A larger available limit can make it easier to accumulate debt if the card is not used carefully.
Cashback, rewards and discounts
Some credit cards provide cashback, reward points or discounts on selected purchases. These benefits can be useful when they match your normal spending, but they should not outweigh the importance of interest rates and fees.
Check which transactions qualify, whether earning limits apply and whether points or rewards expire. Some benefits may also require a minimum level of spending.
Travel insurance and other benefits
Travel insurance may be included when a specified portion of the trip is paid for using the credit card. The level of cover, exclusions and excesses vary between issuers.
Other possible benefits include purchase protection, extended warranties and access to selected offers. Review the full conditions before relying on an included benefit or insurance policy.
You can read more about the potential cost of using credit from The Norwegian Consumer Council.
Choosing a credit card
The right credit card depends on your intended use, repayment habits and the benefits you value. A rewards card may suit frequent purchases, while another card may offer more relevant travel benefits or lower costs.
Before choosing a card
- Compare effective interest rates and fees
- Check the interest-free period
- Choose an appropriate credit limit
- Review the conditions for rewards and insurance
- Consider whether you can repay the balance by the due date
Comparing credit cards on Loan.no does not in itself result in a credit check. A credit check may be carried out after you proceed and submit an application to a card issuer.
Apply for a credit card directly
If you prefer to submit one application through Loan.no rather than selecting a card issuer from the comparison, you can use our separate credit card application page.