{"id":157,"date":"2019-12-08T17:13:18","date_gmt":"2019-12-08T16:13:18","guid":{"rendered":"https:\/\/skaffakreditkort.se\/?page_id=157"},"modified":"2026-05-25T21:19:51","modified_gmt":"2026-05-25T19:19:51","slug":"basta-kreditkortet-for-matinkop","status":"publish","type":"page","link":"https:\/\/skaffakreditkort.se\/en\/basta-kreditkortet-for-matinkop\/","title":{"rendered":"B\u00e4sta kreditkortet f\u00f6r matink\u00f6p 2026: Topplistan"},"content":{"rendered":"<p class=\"skk-fakta\">\n<strong style=\"display:block;margin-bottom:4px;color:#0f1a2a;\">V\u00e5rt val 2026: Coop Mastercard Mer<\/strong><br \/>\nF\u00f6r en typisk svensk familj med 6 000\u20138 000 kr\/m\u00e5nad i matbudget hos Coop ger <strong>Coop Mastercard Mer<\/strong> (4,3\/5) klart b\u00e4st \u00e5terb\u00e4ring \u2013 upp till 5,5 % bonus p\u00e5 Coop-k\u00f6p tack vare po\u00e4ngtrappan, plus 0,5 % p\u00e5 allt \u00f6vrigt. Handlar du fr\u00e4mst p\u00e5 ICA \u00e4r <strong>ICA Bankkort Plus<\/strong> ofta b\u00e4ttre. F\u00f6r blandad konsumtion utan trohet till en kedja: <strong>Bank Norwegian Visa<\/strong> (0,5 % cashback \u00f6verallt, helt avgiftsfritt). Detaljerade r\u00e4kneexempel och beslutsguide nedan.\n<\/p>\n        <div class=\"skkc-listing skkc-listing-editorial\">\n                            <div class=\"skkc-disclosure\">\n                    <svg class=\"skkc-icon\" viewBox=\"0 0 24 24\" width=\"16\" height=\"16\" aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"\/><line x1=\"12\" y1=\"8\" x2=\"12\" y2=\"12\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"\/><circle cx=\"12\" cy=\"16\" r=\"1\" fill=\"currentColor\"\/><\/svg>\n                    <span>Skaffa kreditkort kan f\u00e5 provision n\u00e4r du klickar p\u00e5 l\u00e4nkar och tecknar produkter via v\u00e5r sajt. Det p\u00e5verkar inte vilka produkter vi rekommenderar.<\/span>\n                <\/div>\n                        <ul class=\"skkc-cards skkc-cards-editorial\">\n                <li id=\"post-974\" class=\"skkc-ed skkc-ed-credit post-974 companies_post_type type-companies_post_type status-publish has-post-thumbnail hentry company_type-kort\">\n            <div class=\"skkc-ed-rank\">\u2605 B\u00e4sta gratiskortet<\/div>\n    \n    <div class=\"skkc-ed-left\">\n        <div class=\"skkc-ed-logo-box\">\n            <a href=\"https:\/\/skaffakreditkort.se\/en\/remember-flex-kreditkort\/\" aria-label=\"L\u00e4s mer om re:member flex\">\n                                    <img decoding=\"async\" width=\"300\" height=\"189\" src=\"https:\/\/skaffakreditkort.se\/wp-content\/uploads\/2026\/05\/remember-flex-kreditkort-1-300x189.webp\" class=\"attachment-medium size-medium wp-post-image\" alt=\"re:member flex\" loading=\"lazy\" srcset=\"https:\/\/skaffakreditkort.se\/wp-content\/uploads\/2026\/05\/remember-flex-kreditkort-1-300x189.webp 300w, https:\/\/skaffakreditkort.se\/wp-content\/uploads\/2026\/05\/remember-flex-kreditkort-1-200x125.webp 200w, https:\/\/skaffakreditkort.se\/wp-content\/uploads\/2026\/05\/remember-flex-kreditkort-1-440x275.webp 440w, https:\/\/skaffakreditkort.se\/wp-content\/uploads\/2026\/05\/remember-flex-kreditkort-1.webp 534w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>                            <\/a>\n        <\/div>\n\n                    <div class=\"skkc-ed-score-circle\">\n                <span class=\"skkc-ed-score-num\">4,5<\/span>\n                <span class=\"skkc-ed-score-max\">av 5<\/span>\n            <\/div>\n            <span class=\"skkc-ed-score-label\">V\u00e5rt betyg<\/span>\n            <\/div>\n\n    <div class=\"skkc-ed-right\">\n                    <p class=\"skkc-ed-cat\">Entercard<\/p>\n                <h3 class=\"skkc-ed-title\">re:member flex<\/h3>\n                    <p class=\"skkc-ed-tagline\">Sveriges popul\u00e4raste avgiftsfria kreditkort<\/p>\n        \n        <div class=\"skkc-ed-stats\">\n                            <div class=\"skkc-ed-stat\">\n                    <div class=\"skkc-ed-stat-label\">\u00c5rsavgift<\/div>\n                    <div class=\"skkc-ed-stat-val\">0 kr<\/div>\n                <\/div>\n                                        <div class=\"skkc-ed-stat\">\n                    <div class=\"skkc-ed-stat-label\">Eff. r\u00e4nta<\/div>\n                    <div class=\"skkc-ed-stat-val\">18,91&nbsp;%<\/div>\n                <\/div>\n                                        <div class=\"skkc-ed-stat\">\n                    <div class=\"skkc-ed-stat-label\">R\u00e4ntefritt<\/div>\n                    <div class=\"skkc-ed-stat-val\">Upp till 56 dagar<\/div>\n                <\/div>\n                                        <div class=\"skkc-ed-stat\">\n                    <div class=\"skkc-ed-stat-label\">Kreditgr\u00e4ns<\/div>\n                    <div class=\"skkc-ed-stat-val\">120 000 kr<\/div>\n                <\/div>\n                    <\/div>\n\n                    <div class=\"skkc-ed-pros\">\n                                    <div class=\"skkc-ed-pro\"><span class=\"skkc-ed-pro-check\">\u2713<\/span> Individuell r\u00e4nta fr\u00e5n 9,74 % \u2013 bland marknadens l\u00e4gsta<\/div>\n                                    <div class=\"skkc-ed-pro\"><span class=\"skkc-ed-pro-check\">\u2713<\/span> Upp till 25 % rabatt i 300+ webbutiker via re:member reward<\/div>\n                                    <div class=\"skkc-ed-pro\"><span class=\"skkc-ed-pro-check\">\u2713<\/span> Tv\u00e5 betalningsfria m\u00e5nader per kalender\u00e5r<\/div>\n                                    <div class=\"skkc-ed-pro\"><span class=\"skkc-ed-pro-check\">\u2713<\/span> 56 dagars r\u00e4ntefri kredit \u2013 branschledande<\/div>\n                            <\/div>\n        \n        <div class=\"skkc-ed-cta-row\">\n            <a href=\"https:\/\/go.adt212.net\/t\/t?a=1047917113&#038;as=1466947740&#038;t=2&#038;tk=1\" class=\"skkc-ed-btn\" rel=\"nofollow sponsored noopener\" target=\"_blank\" aria-label=\"G\u00e5 till annons\u00f6rens webbplats f\u00f6r re:member flex (\u00f6ppnas i ny flik)\" data-skkc-id=\"974\">Ans\u00f6k om re:member flex<\/a>            <a class=\"skkc-ed-btn-out\" href=\"https:\/\/skaffakreditkort.se\/en\/remember-flex-kreditkort\/\">L\u00e4s recension<\/a>\n        <\/div>\n    <\/div>\n<\/li>\n<li id=\"post-1019\" class=\"skkc-ed skkc-ed-credit post-1019 companies_post_type type-companies_post_type status-publish has-post-thumbnail hentry company_type-kort\">\n            <div class=\"skkc-ed-rank\">\u2605 B\u00e4st f\u00f6r resen\u00e4rer<\/div>\n    \n    <div class=\"skkc-ed-left\">\n        <div class=\"skkc-ed-logo-box\">\n            <a href=\"https:\/\/skaffakreditkort.se\/en\/marginalen-traveller\/\" aria-label=\"L\u00e4s mer om Marginalen traveller\">\n                                    <img decoding=\"async\" width=\"300\" height=\"189\" src=\"https:\/\/skaffakreditkort.se\/wp-content\/uploads\/2026\/05\/marginalen-traveller-1-300x189.webp\" class=\"attachment-medium size-medium wp-post-image\" alt=\"Marginalen traveller\" loading=\"lazy\" srcset=\"https:\/\/skaffakreditkort.se\/wp-content\/uploads\/2026\/05\/marginalen-traveller-1-300x189.webp 300w, https:\/\/skaffakreditkort.se\/wp-content\/uploads\/2026\/05\/marginalen-traveller-1-200x125.webp 200w, https:\/\/skaffakreditkort.se\/wp-content\/uploads\/2026\/05\/marginalen-traveller-1-440x275.webp 440w, https:\/\/skaffakreditkort.se\/wp-content\/uploads\/2026\/05\/marginalen-traveller-1.webp 534w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>                            <\/a>\n        <\/div>\n\n                    <div class=\"skkc-ed-score-circle\">\n                <span class=\"skkc-ed-score-num\">4,3<\/span>\n                <span class=\"skkc-ed-score-max\">av 5<\/span>\n            <\/div>\n            <span class=\"skkc-ed-score-label\">V\u00e5rt betyg<\/span>\n            <\/div>\n\n    <div class=\"skkc-ed-right\">\n                    <p class=\"skkc-ed-cat\">Marginalen Bank<\/p>\n                <h3 class=\"skkc-ed-title\">Marginalen traveller<\/h3>\n                    <p class=\"skkc-ed-tagline\">Bonus p\u00e5 alla k\u00f6p + omfattande resef\u00f6rs\u00e4kring<\/p>\n        \n        <div class=\"skkc-ed-stats\">\n                            <div class=\"skkc-ed-stat\">\n                    <div class=\"skkc-ed-stat-label\">\u00c5rsavgift<\/div>\n                    <div class=\"skkc-ed-stat-val\">396 kr<\/div>\n                <\/div>\n                                        <div class=\"skkc-ed-stat\">\n                    <div class=\"skkc-ed-stat-label\">Eff. r\u00e4nta<\/div>\n                    <div class=\"skkc-ed-stat-val\">18,99&nbsp;%<\/div>\n                <\/div>\n                                        <div class=\"skkc-ed-stat\">\n                    <div class=\"skkc-ed-stat-label\">R\u00e4ntefritt<\/div>\n                    <div class=\"skkc-ed-stat-val\">Upp till 50 dagar<\/div>\n                <\/div>\n                                        <div class=\"skkc-ed-stat\">\n                    <div class=\"skkc-ed-stat-label\">Kreditgr\u00e4ns<\/div>\n                    <div class=\"skkc-ed-stat-val\">150 000 kr<\/div>\n                <\/div>\n                    <\/div>\n\n                    <div class=\"skkc-ed-pros\">\n                                    <div class=\"skkc-ed-pro\"><span class=\"skkc-ed-pro-check\">\u2713<\/span> Bonuspo\u00e4ng p\u00e5 alla k\u00f6p (1 po\u00e4ng\/7 kr, cirka 0,7 %)<\/div>\n                                    <div class=\"skkc-ed-pro\"><span class=\"skkc-ed-pro-check\">\u2713<\/span> Handla Smart: upp till 25 % cashback i 300+ webbutiker<\/div>\n                                    <div class=\"skkc-ed-pro\"><span class=\"skkc-ed-pro-check\">\u2713<\/span> Omfattande resef\u00f6rs\u00e4kring inklusive avbest\u00e4llningsskydd<\/div>\n                                    <div class=\"skkc-ed-pro\"><span class=\"skkc-ed-pro-check\">\u2713<\/span> R\u00e4ntefri delbetalning p\u00e5 k\u00f6p \u00f6ver 5 000 kr (6-36 m\u00e5nader)<\/div>\n                            <\/div>\n        \n        <div class=\"skkc-ed-cta-row\">\n            <a href=\"https:\/\/go.adt246.net\/t\/t?a=1122630601&#038;as=1466947740&#038;t=2&#038;tk=1\" class=\"skkc-ed-btn\" rel=\"nofollow sponsored noopener\" target=\"_blank\" aria-label=\"G\u00e5 till annons\u00f6rens webbplats f\u00f6r Marginalen traveller (\u00f6ppnas i ny flik)\" data-skkc-id=\"1019\">Ans\u00f6k om Marginalen traveller<\/a>            <a class=\"skkc-ed-btn-out\" href=\"https:\/\/skaffakreditkort.se\/en\/marginalen-traveller\/\">L\u00e4s recension<\/a>\n        <\/div>\n    <\/div>\n<\/li>\n<li id=\"post-1023\" class=\"skkc-ed skkc-ed-credit post-1023 companies_post_type type-companies_post_type status-publish has-post-thumbnail hentry company_type-kort\">\n            <div class=\"skkc-ed-rank\">\u2605 B\u00e4st f\u00f6r golfare<\/div>\n    \n    <div class=\"skkc-ed-left\">\n        <div class=\"skkc-ed-logo-box\">\n            <a href=\"https:\/\/skaffakreditkort.se\/en\/moregolf-mastercard\/\" aria-label=\"L\u00e4s mer om MoreGolf Mastercard\">\n                                    <img decoding=\"async\" width=\"300\" height=\"189\" src=\"https:\/\/skaffakreditkort.se\/wp-content\/uploads\/2026\/05\/moregolf-mastercard-1-300x189.webp\" class=\"attachment-medium size-medium wp-post-image\" alt=\"MoreGolf Mastercard\" loading=\"lazy\" srcset=\"https:\/\/skaffakreditkort.se\/wp-content\/uploads\/2026\/05\/moregolf-mastercard-1-300x189.webp 300w, https:\/\/skaffakreditkort.se\/wp-content\/uploads\/2026\/05\/moregolf-mastercard-1-200x125.webp 200w, https:\/\/skaffakreditkort.se\/wp-content\/uploads\/2026\/05\/moregolf-mastercard-1-440x275.webp 440w, https:\/\/skaffakreditkort.se\/wp-content\/uploads\/2026\/05\/moregolf-mastercard-1.webp 534w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>                            <\/a>\n        <\/div>\n\n                    <div class=\"skkc-ed-score-circle\">\n                <span class=\"skkc-ed-score-num\">4,3<\/span>\n                <span class=\"skkc-ed-score-max\">av 5<\/span>\n            <\/div>\n            <span class=\"skkc-ed-score-label\">V\u00e5rt betyg<\/span>\n            <\/div>\n\n    <div class=\"skkc-ed-right\">\n                    <p class=\"skkc-ed-cat\">Entercard via Svenska Golff\u00f6rbundet<\/p>\n                <h3 class=\"skkc-ed-title\">MoreGolf Mastercard<\/h3>\n                    <p class=\"skkc-ed-tagline\">1 % bonus p\u00e5 alla k\u00f6p + golff\u00f6rm\u00e5ner<\/p>\n        \n        <div class=\"skkc-ed-stats\">\n                            <div class=\"skkc-ed-stat\">\n                    <div class=\"skkc-ed-stat-label\">\u00c5rsavgift<\/div>\n                    <div class=\"skkc-ed-stat-val\">295 kr<\/div>\n                <\/div>\n                                        <div class=\"skkc-ed-stat\">\n                    <div class=\"skkc-ed-stat-label\">Eff. r\u00e4nta<\/div>\n                    <div class=\"skkc-ed-stat-val\">18,91&nbsp;%<\/div>\n                <\/div>\n                                        <div class=\"skkc-ed-stat\">\n                    <div class=\"skkc-ed-stat-label\">R\u00e4ntefritt<\/div>\n                    <div class=\"skkc-ed-stat-val\">Upp till 55 dagar<\/div>\n                <\/div>\n                                        <div class=\"skkc-ed-stat\">\n                    <div class=\"skkc-ed-stat-label\">Kreditgr\u00e4ns<\/div>\n                    <div class=\"skkc-ed-stat-val\">160 000 kr<\/div>\n                <\/div>\n                    <\/div>\n\n                    <div class=\"skkc-ed-pros\">\n                                    <div class=\"skkc-ed-pro\"><span class=\"skkc-ed-pro-check\">\u2713<\/span> 1 % bonus p\u00e5 alla k\u00f6p - marknadsledande f\u00f6r bred bonus<\/div>\n                                    <div class=\"skkc-ed-pro\"><span class=\"skkc-ed-pro-check\">\u2713<\/span> F\u00f6rsta \u00e5ret helt avgiftsfritt + 9 000 po\u00e4ng i v\u00e4lkomstbonus<\/div>\n                                    <div class=\"skkc-ed-pro\"><span class=\"skkc-ed-pro-check\">\u2713<\/span> Hole-in-one-bonus och golfutrustningsf\u00f6rs\u00e4kring ing\u00e5r<\/div>\n                                    <div class=\"skkc-ed-pro\"><span class=\"skkc-ed-pro-check\">\u2713<\/span> R\u00e4ntefri delbetalning av medlemsavgift till golfklubb<\/div>\n                            <\/div>\n        \n        <div class=\"skkc-ed-cta-row\">\n            <a href=\"https:\/\/go.adt246.net\/t\/t?a=1691974887&#038;as=1466947740&#038;t=2&#038;tk=1\" class=\"skkc-ed-btn\" rel=\"nofollow sponsored noopener\" target=\"_blank\" aria-label=\"G\u00e5 till annons\u00f6rens webbplats f\u00f6r MoreGolf Mastercard (\u00f6ppnas i ny flik)\" data-skkc-id=\"1023\">Ans\u00f6k om MoreGolf Mastercard<\/a>            <a class=\"skkc-ed-btn-out\" href=\"https:\/\/skaffakreditkort.se\/en\/moregolf-mastercard\/\">L\u00e4s recension<\/a>\n        <\/div>\n    <\/div>\n<\/li>\n            <\/ul>\n        <\/div>\n        \n<h2>Topplistan: b\u00e4sta kreditkortet f\u00f6r matink\u00f6p 2026<\/h2>\n<table>\n<thead>\n<tr>\n<th>#<\/th>\n<th>Kort<\/th>\n<th>Bonus mat<\/th>\n<th>Bonus \u00f6vrigt<\/th>\n<th>\u00c5rsavgift<\/th>\n<th>Betyg<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1<\/td>\n<td><a href=\"\/coop-mastercard-mer\/\">Coop Mastercard Mer<\/a><\/td>\n<td>1\u20135,5 % p\u00e5 Coop (po\u00e4ngtrappa)<\/td>\n<td>0,5 %<\/td>\n<td>295 kr (gratis \u00e5r 1)<\/td>\n<td>4,3\/5<\/td>\n<\/tr>\n<tr>\n<td>2<\/td>\n<td>ICA Bankkort Plus<\/td>\n<td>1,2\u20131,9 % p\u00e5 ICA + Apotek Hj\u00e4rtat<\/td>\n<td>\u2014<\/td>\n<td>420 kr<\/td>\n<td>4,0\/5<\/td>\n<\/tr>\n<tr>\n<td>3<\/td>\n<td><a href=\"\/remember-flex-kreditkort\/\">Re:member Flex<\/a><\/td>\n<td>Superdealen kampanjvis (15\u201330 %)<\/td>\n<td>\u2014<\/td>\n<td>0 kr<\/td>\n<td>4,2\/5<\/td>\n<\/tr>\n<tr>\n<td>4<\/td>\n<td>Bank Norwegian Visa<\/td>\n<td>0,5 % CashPoints<\/td>\n<td>0,5 %<\/td>\n<td>0 kr<\/td>\n<td>4,1\/5<\/td>\n<\/tr>\n<tr>\n<td>5<\/td>\n<td>Hemk\u00f6p Klubb (lojalitetsprogram)<\/td>\n<td>0,5\u20132 %<\/td>\n<td>\u2014<\/td>\n<td>0 kr<\/td>\n<td>3,5\/5<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Vad g\u00f6r ett kort bra f\u00f6r matink\u00f6p?<\/h2>\n<p>Det &#8221;b\u00e4sta&#8221; matkortet beror helt p\u00e5 <strong>var du faktiskt handlar<\/strong>. Den svenska matkortsmarknaden domineras av kedjespecifika kort (Coop, ICA) som ger h\u00f6g bonus i sin egen kedja men l\u00e5g eller ingen bonus utanf\u00f6r. Att v\u00e4lja r\u00e4tt handlar om att matcha kortet med din verkliga konsumtion. Tre dimensioner avg\u00f6r:<\/p>\n<ol class=\"skk-steg\">\n<li><strong>Bonusprocent i din vanligaste matbutik.<\/strong> Coop Mastercard ger 5,5 % vid 5 000+ kr\/m\u00e5n hos Coop. ICA Bankkort Plus ger upp till 1,9 % p\u00e5 ICA. Andra butiker (Willys, Hemk\u00f6p, Lidl) saknar egna kreditkort men har lojalitetsprogram.<\/li>\n<li><strong>Bonus utanf\u00f6r matbutiken.<\/strong> Coop Mastercard ger 0,5 % p\u00e5 allt \u00f6vrigt. ICA Bankkort Plus ger inget utanf\u00f6r ICA. Bank Norwegian Visa ger 0,5 % \u00f6verallt.<\/li>\n<li><strong>Total kostnad v\u00e4gd mot bonusen.<\/strong> Coop kostar 295 kr\/\u00e5r. ICA Bankkort Plus kostar 420 kr\/\u00e5r. Re:member Flex och Bank Norwegian \u00e4r gratis. R\u00e4kna ut om bonusen t\u00e4cker \u00e5rsavgiften (se r\u00e4kneexempel l\u00e4ngre ner).<\/li>\n<\/ol>\n<h2>V\u00e5rt val: Coop Mastercard Mer (4,3\/5)<\/h2>\n<p>F\u00f6r den typiska svenska familjen med 6 000\u201310 000 kr\/m\u00e5nad i matkostnader \u00e4r <a href=\"\/coop-mastercard-mer\/\"><strong>Coop Mastercard Mer<\/strong><\/a> det starkaste valet. Tre sk\u00e4l:<\/p>\n<table class=\"skk-snabbfakta\">\n<tr>\n<th>\u00c5rsavgift<\/th>\n<td>295 kr (gratis f\u00f6rsta \u00e5ret)<\/td>\n<\/tr>\n<tr>\n<th>Bonus p\u00e5 Coop<\/th>\n<td>1\u20135,5 % beroende p\u00e5 m\u00e5nadsspending (po\u00e4ngtrappa)<\/td>\n<\/tr>\n<tr>\n<th>Bonus \u00f6vrigt<\/th>\n<td>0,5 % (1 po\u00e4ng\/2 kr)<\/td>\n<\/tr>\n<tr>\n<th>R\u00e4ntefri kredit<\/th>\n<td>upp till 55 dagar<\/td>\n<\/tr>\n<tr>\n<th>Nominell r\u00e4nta<\/th>\n<td>18,30 % (r\u00f6rlig)<\/td>\n<\/tr>\n<tr>\n<th>Effektiv r\u00e4nta<\/th>\n<td>18,96 % (e-faktura, exempel 20 000 kr\/12 m\u00e5n)<\/td>\n<\/tr>\n<tr>\n<th>Krav<\/th>\n<td>Coop-medlemskap (eng\u00e5ngsavgift 100 kr, \u00e5terbetalas vid avslut)<\/td>\n<\/tr>\n<tr>\n<th>Resef\u00f6rs\u00e4kring<\/th>\n<td>Ing\u00e5r \u2013 kompletterande, krav 75 % av resan med kortet<\/td>\n<\/tr>\n<tr>\n<th>K\u00f6pf\u00f6rs\u00e4kring<\/th>\n<td>Allrisk + prisgaranti + f\u00f6rl\u00e4ngd garanti ing\u00e5r<\/td>\n<\/tr>\n<\/table>\n<h3>Coops po\u00e4ngtrappa: s\u00e5 fungerar den<\/h3>\n<p>Bonusen \u00e4r inte fast utan stegrar med ditt m\u00e5nadsspending hos Coop:<\/p>\n<table>\n<thead>\n<tr>\n<th>M\u00e5nadsspending hos Coop<\/th>\n<th>Bonusniv\u00e5<\/th>\n<th>\u00c5terb\u00e4ring (Coop)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>0\u2013999 kr<\/td>\n<td>1,0 %<\/td>\n<td>1 \u00f6re\/kr<\/td>\n<\/tr>\n<tr>\n<td>1 000\u20131 999 kr<\/td>\n<td>2,0 %<\/td>\n<td>2 \u00f6re\/kr<\/td>\n<\/tr>\n<tr>\n<td>2 000\u20132 999 kr<\/td>\n<td>3,0 %<\/td>\n<td>3 \u00f6re\/kr<\/td>\n<\/tr>\n<tr>\n<td>3 000\u20134 999 kr<\/td>\n<td>4,0 %<\/td>\n<td>4 \u00f6re\/kr<\/td>\n<\/tr>\n<tr>\n<td>5 000+ kr<\/td>\n<td>5,5 %<\/td>\n<td>5,5 \u00f6re\/kr<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Trappen \u00e5terst\u00e4lls varje m\u00e5nad. Strategi f\u00f6r maximerad bonus: koncentrera Coop-ink\u00f6p till en m\u00e5nad f\u00f6r att n\u00e5 h\u00f6gre niv\u00e5 ist\u00e4llet f\u00f6r att sprida ut.<\/p>\n<div class=\"skk-proscons\">\n<div class=\"skk-pros\">\n<h4>Coop Mastercards f\u00f6rdelar<\/h4>\n<ul>\n<li>H\u00f6g bonus 5,5 % p\u00e5 Coop vid h\u00f6g spending<\/li>\n<li>0,5 % bonus \u00e4ven utanf\u00f6r Coop<\/li>\n<li>Brett f\u00f6rs\u00e4kringspaket: rese + k\u00f6p + prisgaranti + f\u00f6rl\u00e4ngd garanti<\/li>\n<li>55 dagars r\u00e4ntefri kredit<\/li>\n<li>Gratis f\u00f6rsta \u00e5ret<\/li>\n<li>Bonuscheckar g\u00e5r direkt att anv\u00e4nda hos Coop<\/li>\n<li>M\u00f6jlighet till extrakort f\u00f6r familjemedlem<\/li>\n<\/ul>\n<\/div>\n<div class=\"skk-cons\">\n<h4>Coop Mastercards nackdelar<\/h4>\n<ul>\n<li>Bonusen \u00e4r bara v\u00e4rdefull om du handlar regelbundet p\u00e5 Coop<\/li>\n<li>Krav p\u00e5 Coop-medlemskap (100 kr eng\u00e5ngsavgift)<\/li>\n<li>295 kr\/\u00e5r fr\u00e5n \u00e5r 2<\/li>\n<li>Bonuscheckar kan bara anv\u00e4ndas hos Coop<\/li>\n<li>Pappersfaktura ger h\u00f6gre effektiv r\u00e4nta (23,57 % vs 18,96 %)<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<h2>F\u00f6r ICA-trogna: ICA Bankkort Plus (4,0\/5)<\/h2>\n<p>Handlar du fr\u00e4mst p\u00e5 ICA \u00e4r <strong>ICA Bankkort Plus<\/strong> ett starkare val. Detta \u00e4r ett kombinerat bank- och kreditkort med 60 dagars r\u00e4ntefri period och unika ICA-f\u00f6rm\u00e5ner.<\/p>\n<table class=\"skk-snabbfakta\">\n<tr>\n<th>\u00c5rsavgift<\/th>\n<td>420 kr<\/td>\n<\/tr>\n<tr>\n<th>Stammispo\u00e4ng<\/th>\n<td>1 po\u00e4ng\/kr p\u00e5 ICA + 20 extrapo\u00e4ng per k\u00f6p<\/td>\n<\/tr>\n<tr>\n<th>Bonustrapp<\/th>\n<td>2 000 p = 25 kr, 4 000 p = 50 kr, 6 000 p = 75 kr, 8 000+ p = 150 kr\/m\u00e5nad<\/td>\n<\/tr>\n<tr>\n<th>Effektiv bonus<\/th>\n<td>1,2\u20131,9 % beroende p\u00e5 antal k\u00f6p och spending<\/td>\n<\/tr>\n<tr>\n<th>Dubbel bonus<\/th>\n<td>M\u00f6jligt med l\u00f6nekonto, m\u00e5nadssparande 500 kr\/m\u00e5n eller bol\u00e5n hos ICA Banken<\/td>\n<\/tr>\n<tr>\n<th>R\u00e4ntefri kredit<\/th>\n<td>upp till 60 dagar<\/td>\n<\/tr>\n<tr>\n<th>Apotek Hj\u00e4rtat<\/th>\n<td>Samma po\u00e4ng som ICA-butik<\/td>\n<\/tr>\n<tr>\n<th>Matf\u00f6rs\u00e4kring<\/th>\n<td>Upp till 10 000 kr i presentkort vid sjukdom\/upps\u00e4gning (sedan 2024)<\/td>\n<\/tr>\n<tr>\n<th>Trygghetsf\u00f6rs\u00e4kring<\/th>\n<td>Allrisk + f\u00f6rl\u00e4ngd garanti p\u00e5 hemelektronik<\/td>\n<\/tr>\n<\/table>\n<h3>Optimering av ICA-bonus<\/h3>\n<p>20-po\u00e4ngsbonusen per <em>k\u00f6p<\/em> (oavsett belopp) skapar en intressant strategi: dela upp st\u00f6rre ink\u00f6p i flera mindre. Tre k\u00f6p \u00e0 500 kr ist\u00e4llet f\u00f6r ett k\u00f6p p\u00e5 1 500 kr ger 60 extra stammispo\u00e4ng. Vid sm\u00e5 k\u00f6p blir den effektiva bonusen procentuellt h\u00f6gre:<\/p>\n<ul class=\"skk-fordelar\">\n<li><strong>Sm\u00e5k\u00f6p 100 kr:<\/strong> 100 + 20 = 120 po\u00e4ng \u2192 20 % bonus<\/li>\n<li><strong>Mellank\u00f6p 500 kr:<\/strong> 500 + 20 = 520 po\u00e4ng \u2192 4 % bonus<\/li>\n<li><strong>Stork\u00f6p 2 000 kr:<\/strong> 2 000 + 20 = 2 020 po\u00e4ng \u2192 1 % bonus<\/li>\n<\/ul>\n<p>F\u00f6r typisk m\u00e5nadsspending 6 000 kr p\u00e5 ICA (genom 8\u201310 k\u00f6p) blir effektiv bonus cirka 1,5 %. Med dubbel bonus kan det dubblas.<\/p>\n<h2>Gratis alternativ: Re:member Flex (4,2\/5)<\/h2>\n<p>F\u00f6r dig som inte vill betala \u00e5rsavgift men \u00e4nd\u00e5 vill ha rabatt \u2013 <a href=\"\/remember-flex-kreditkort\/\"><strong>Re:member Flex<\/strong><\/a> har tv\u00e5 rabattprogram som kan ge mat-rabatter:<\/p>\n<table class=\"skk-snabbfakta\">\n<tr>\n<th>\u00c5rsavgift<\/th>\n<td>0 kr<\/td>\n<\/tr>\n<tr>\n<th>Re:member Rewards<\/th>\n<td>1\u201325 % rabatt i 300+ webbutiker (kr\u00e4ver inloggning innan k\u00f6p)<\/td>\n<\/tr>\n<tr>\n<th>Superdealen<\/th>\n<td>15\u201330 % rabatt m\u00e5nadens utvalda butiker (f\u00f6rhandsinfo via mejl\/SMS)<\/td>\n<\/tr>\n<tr>\n<th>Preem drivmedel<\/th>\n<td>15 \u00f6re\/liter p\u00e5 bemannade Preem-stationer<\/td>\n<\/tr>\n<tr>\n<th>R\u00e4ntefri kredit<\/th>\n<td>upp till 56 dagar<\/td>\n<\/tr>\n<tr>\n<th>Effektiv r\u00e4nta<\/th>\n<td>18,91 % (e-faktura, exempel 30 000 kr\/12 m\u00e5n)<\/td>\n<\/tr>\n<tr>\n<th>Kreditgr\u00e4ns<\/th>\n<td>upp till 120 000 kr<\/td>\n<\/tr>\n<tr>\n<th>Resef\u00f6rs\u00e4kring<\/th>\n<td>Kompletterande med avbest\u00e4llningsskydd<\/td>\n<\/tr>\n<\/table>\n<p>F\u00f6r <strong>matink\u00f6p specifikt<\/strong>: Re:member ger inte fast bonus p\u00e5 mat, men Superdealen erbjuder ibland 15\u201330 % rabatt p\u00e5 utvalda dagligvarukedjor under begr\u00e4nsade perioder. Dessa kampanjer kan vara mycket l\u00f6nsamma om du tajmar ink\u00f6pen r\u00e4tt.<\/p>\n<h2>F\u00f6r blandad konsumtion: Bank Norwegian Visa (4,1\/5)<\/h2>\n<p>Handlar du p\u00e5 olika kedjor utan trohet till n\u00e5gon specifik \u2013 och vill ha 0 kr i fasta kostnader \u2013 \u00e4r <strong>Bank Norwegian Visa<\/strong> det s\u00e4kra valet.<\/p>\n<table class=\"skk-snabbfakta\">\n<tr>\n<th>\u00c5rsavgift<\/th>\n<td>0 kr<\/td>\n<\/tr>\n<tr>\n<th>CashPoints<\/th>\n<td>0,5 % p\u00e5 alla k\u00f6p (v\u00e4xlas till cashback eller resor)<\/td>\n<\/tr>\n<tr>\n<th>Valutap\u00e5slag<\/th>\n<td>0 %<\/td>\n<\/tr>\n<tr>\n<th>Uttagsavgift<\/th>\n<td>0 kr (men r\u00e4nta fr\u00e5n dag 1)<\/td>\n<\/tr>\n<tr>\n<th>R\u00e4ntefri kredit<\/th>\n<td>upp till 45 dagar<\/td>\n<\/tr>\n<tr>\n<th>Kreditr\u00e4nta<\/th>\n<td>26,90 % (nominell \u2013 delbetala aldrig)<\/td>\n<\/tr>\n<tr>\n<th>Kreditgr\u00e4ns<\/th>\n<td>upp till 150 000 kr<\/td>\n<\/tr>\n<tr>\n<th>Resef\u00f6rs\u00e4kring<\/th>\n<td>Ing\u00e5r, 75 %-regel<\/td>\n<\/tr>\n<\/table>\n<h2>R\u00e4kneexempel: vilket kort ger mest tillbaka?<\/h2>\n<p>Vi r\u00e4knar f\u00f6r tre olika hush\u00e5ll. Antagande: 12 000 kr\/m\u00e5nad i total matkonsumtion + 8 000 kr\/m\u00e5nad \u00f6vrig kortkonsumtion. Bonusen ber\u00e4knas \u00f6ver 12 m\u00e5nader.<\/p>\n<div class=\"skk-tips\">\n<p class=\"skk-tips-rubrik\">R\u00e4kneexempel 1: Coop-trogen familj (8 000 kr\/m\u00e5n Coop, 4 000 kr\/m\u00e5n \u00f6vriga)<\/p>\n<ul>\n<li><strong>Coop Mastercard Mer:<\/strong> 8 000 \u00d7 12 \u00d7 5,5 % (max trappa) + 4 000 \u00d7 12 \u00d7 0,5 % = 5 520 kr i bonus. Minus 295 kr \u00e5rsavgift (gratis \u00e5r 1) = <strong>5 225 kr nettovinst \u00e5r 1, 5 225 kr \u00e5r 2+<\/strong><\/li>\n<li><strong>ICA Bankkort Plus:<\/strong> 0 % p\u00e5 Coop. 4 000 \u00d7 12 \u00d7 ~1,5 % p\u00e5 ICA (om man hade flyttat) = 720 kr. Minus 420 kr \u00e5rsavgift = <strong>300 kr nettovinst (om de flyttade till ICA)<\/strong><\/li>\n<li><strong>Bank Norwegian Visa:<\/strong> 12 000 \u00d7 12 \u00d7 0,5 % = 720 kr. Inga avgifter = <strong>720 kr nettovinst<\/strong><\/li>\n<li><strong>Vinnare:<\/strong> Coop Mastercard Mer med 5 225 kr\/\u00e5r extra.<\/li>\n<\/ul>\n<\/div>\n<div class=\"skk-tips\">\n<p class=\"skk-tips-rubrik\">R\u00e4kneexempel 2: ICA-trogen familj (6 000 kr\/m\u00e5n ICA, 6 000 kr\/m\u00e5n \u00f6vriga)<\/p>\n<ul>\n<li><strong>ICA Bankkort Plus:<\/strong> 6 000 \u00d7 12 \u00d7 ~1,5 % p\u00e5 ICA = 1 080 kr. Minus 420 kr \u00e5rsavgift = <strong>660 kr nettovinst<\/strong><\/li>\n<li><strong>Coop Mastercard Mer:<\/strong> 0 % p\u00e5 ICA. 6 000 \u00d7 12 \u00d7 0,5 % \u00f6vrigt = 360 kr. Minus 295 kr \u00e5rsavgift (gratis \u00e5r 1) = <strong>65 kr nettovinst \u00e5r 2+<\/strong><\/li>\n<li><strong>Bank Norwegian Visa:<\/strong> 12 000 \u00d7 12 \u00d7 0,5 % = 720 kr. <strong>720 kr nettovinst<\/strong><\/li>\n<li><strong>Vinnare:<\/strong> Bank Norwegian Visa (gratis + lika mycket) eller ICA Bankkort Plus om du v\u00e4rdes\u00e4tter f\u00f6rs\u00e4kringspaketet och 60 dagars r\u00e4ntefri kredit.<\/li>\n<\/ul>\n<\/div>\n<div class=\"skk-tips\">\n<p class=\"skk-tips-rubrik\">R\u00e4kneexempel 3: Blandad konsumtion (3 000 Coop, 3 000 ICA, 3 000 Willys, 3 000 \u00f6vriga)<\/p>\n<ul>\n<li><strong>Coop Mastercard Mer:<\/strong> 3 000 \u00d7 12 \u00d7 4 % (trappa niv\u00e5 4) p\u00e5 Coop + 9 000 \u00d7 12 \u00d7 0,5 % = 1 980 kr. Minus 295 kr = <strong>1 685 kr nettovinst<\/strong><\/li>\n<li><strong>ICA Bankkort Plus:<\/strong> 3 000 \u00d7 12 \u00d7 ~1,5 % p\u00e5 ICA = 540 kr. Minus 420 kr = <strong>120 kr nettovinst<\/strong><\/li>\n<li><strong>Bank Norwegian Visa:<\/strong> 12 000 \u00d7 12 \u00d7 0,5 % = 720 kr. <strong>720 kr nettovinst<\/strong><\/li>\n<li><strong>Vinnare:<\/strong> Coop Mastercard Mer (\u00e4ven med spridd konsumtion vinner Coop pga 0,5 % p\u00e5 alla k\u00f6p + bonustrappa p\u00e5 Coop)<\/li>\n<\/ul>\n<\/div>\n<h2>Beslutsguide: vilket matkort ska du v\u00e4lja?<\/h2>\n<h3>Om du handlar fr\u00e4mst p\u00e5 Coop<\/h3>\n<p><a href=\"\/coop-mastercard-mer\/\"><strong>Coop Mastercard Mer<\/strong><\/a> \u00e4r \u00f6verl\u00e4gset. Vid 5 000+ kr\/m\u00e5nad i Coop-spending kan du tj\u00e4na 3 000\u20136 000 kr\/\u00e5r i bonus, beroende p\u00e5 spending. F\u00f6rs\u00e4kringspaketet \u00e4r dessutom starkt.<\/p>\n<h3>Om du handlar fr\u00e4mst p\u00e5 ICA<\/h3>\n<p><strong>ICA Bankkort Plus<\/strong> \u00e4r det starkaste valet. Bonusen \u00e4r l\u00e4gre \u00e4n Coops max men kombineras med dubbel-bonus-m\u00f6jlighet (kr\u00e4ver l\u00f6nekonto eller bol\u00e5n hos ICA Banken). Matf\u00f6rs\u00e4kringen sedan 2024 \u00e4r dessutom en unik f\u00f6rm\u00e5n.<\/p>\n<h3>Om du handlar fr\u00e4mst p\u00e5 Willys, Hemk\u00f6p eller Lidl<\/h3>\n<p>Dessa kedjor har <em>lojalitetsprogram<\/em> men inte egna kreditkort. B\u00e4sta kombination: <strong>Bank Norwegian Visa<\/strong> (0,5 % cashback \u00f6verallt) + butikens lojalitetsprogram (Willys Plus, Hemk\u00f6p Klubb, Lidl Plus). Total effektiv bonus 0,5 % + 1\u20132 % = 1,5\u20132,5 %.<\/p>\n<h3>Om du handlar p\u00e5 flera kedjor utan tydlig trohet<\/h3>\n<p><strong>Bank Norwegian Visa<\/strong> \u00e4r s\u00e4krast. 0,5 % p\u00e5 allt utan \u00e5rsavgift = du vinner alltid n\u00e5got, oavsett butik. Plus kortet \u00e4r anv\u00e4ndbart f\u00f6r utlandsresor (0 % valutap\u00e5slag).<\/p>\n<h3>Om du vill ha gratis kort med rabattjakt<\/h3>\n<p><a href=\"\/remember-flex-kreditkort\/\"><strong>Re:member Flex<\/strong><\/a> ger ingen fast bonus men Superdealen och Re:member Rewards kan ge 15\u201330 % rabatt om du tajmar och planerar. Kr\u00e4ver mer engagemang men kan ge mycket vid r\u00e4tt anv\u00e4ndning.<\/p>\n<h2>Strategier f\u00f6r att maximera matkortets v\u00e4rde<\/h2>\n<h3>Strategi 1: Coop-m\u00e5nader<\/h3>\n<p>Om du har Coop Mastercard Mer \u2013 samla ihop dina Coop-ink\u00f6p till en m\u00e5nad f\u00f6r att n\u00e5 h\u00f6gsta trappniv\u00e5 (5,5 %). Hellre 8 000 kr en m\u00e5nad \u00e4n 4 000 kr tv\u00e5 m\u00e5nader. Lagra non-perishables (konserver, ris, frys-mat) n\u00e4r du n\u00e5tt 5 000 kr-tr\u00f6skeln.<\/p>\n<h3>Strategi 2: Kombinera kort<\/h3>\n<p>Ett vanligt setup: <strong>Coop Mastercard Mer som huvudkort<\/strong> (f\u00f6r Coop + 0,5 % p\u00e5 \u00f6vrigt) + ett kort med 0 % valutap\u00e5slag f\u00f6r utlandsresor + bankkort till mindre vardagsk\u00f6p och kontanter. Du f\u00e5r d\u00e5 b\u00e4sta bonus i varje situation.<\/p>\n<h3>Strategi 3: ICA sm\u00e5k\u00f6p<\/h3>\n<p>Om du har ICA Bankkort Plus \u2013 dela upp st\u00f6rre ink\u00f6p i flera kassakvitton (ut\u00f6ver vad som \u00e4r praktiskt). Varje k\u00f6p ger 20 extra stammispo\u00e4ng. Tre k\u00f6p \u00e0 500 kr ger 60 extra po\u00e4ng. Det kan l\u00e5ta sm\u00e5skaligt men \u00f6ver ett \u00e5r blir det 720 extra po\u00e4ng = ~9 kr\/m\u00e5nad.<\/p>\n<h3>Strategi 4: Lojalitetsprogram + kreditkort<\/h3>\n<p>Lojalitetsprogram (Coop-medlem, ICA Stammis, Willys Plus, Hemk\u00f6p Klubb, Lidl Plus) \u00e4r gratis och tillkommer ovanp\u00e5 kreditkortet. Du f\u00e5r dubbel bonus n\u00e4r lojalitetsprogrammets cashback kombineras med kreditkortets bonus.<\/p>\n<p class=\"skk-warning\">\n<strong style=\"display:block;margin-bottom:4px;color:#92400e;\">Representativt exempel<\/strong><br \/>\nF\u00f6r matkort g\u00e4ller f\u00f6ljande representativa exempel: Vid en utnyttjad kredit p\u00e5 20 000 kr \u00e5terbetalt \u00f6ver 12 m\u00e5nader \u00e4r den genomsnittliga effektiva r\u00e4ntan 18\u201322 %. Det sammanlagda beloppet att betala tillbaka \u00e4r 21 500\u201322 800 kr. R\u00e4ntor \u00e4r r\u00f6rliga. Se varje korts enskilda recension f\u00f6r exakt representativt exempel hos respektive utgivare. Att l\u00e5na kostar pengar \u2013 betala alltid hela fakturabeloppet i tid om du kan.\n<\/p>\n<h2>Vanliga fr\u00e5gor om kreditkort f\u00f6r matink\u00f6p<\/h2>\n<div class=\"skk-faq\">\n<h3>Vilket kort ger mest bonus p\u00e5 matink\u00f6p?<\/h3>\n<p>Coop Mastercard Mer ger upp till 5,5 % bonus p\u00e5 Coop-k\u00f6p vid m\u00e5nadsspending \u00f6ver 5 000 kr. ICA Bankkort Plus ger 1,2\u20131,9 % effektiv bonus p\u00e5 ICA. Bank Norwegian Visa ger 0,5 % p\u00e5 allt. Vilket som ger mest beror p\u00e5 var du handlar.<\/p>\n<h3>\u00c4r det v\u00e4rt 295 kr\/\u00e5r f\u00f6r Coop Mastercard?<\/h3>\n<p>Ja om du handlar f\u00f6r minst 5 000 kr\/m\u00e5nad p\u00e5 Coop. Vid 5 % bonus tj\u00e4nar du d\u00e5 3 000 kr\/\u00e5r i bonus \u2013 l\u00e5ngt \u00f6ver 295 kr i \u00e5rsavgift. Vid l\u00e4gre spending (under 3 000 kr\/m\u00e5nad p\u00e5 Coop) blir nettovinsten l\u00e4gre och kortet mindre motiverat.<\/p>\n<h3>Vad \u00e4r skillnaden mellan ICA Bankkort Plus och vanlig ICA Stammis?<\/h3>\n<p>ICA Stammis \u00e4r ett gratis lojalitetskort som ger 1 po\u00e4ng\/krona. ICA Bankkort Plus \u00e4r ett bank- och kreditkort med 1 po\u00e4ng\/krona <em>plus<\/em> 20 extrapo\u00e4ng per k\u00f6p + r\u00e4ntefri kredit + f\u00f6rs\u00e4kringar + m\u00f6jlighet till dubbel bonus. Kostar 420 kr\/\u00e5r.<\/p>\n<h3>Kan jag ha flera matkort samtidigt?<\/h3>\n<p>Ja, vanligt setup \u00e4r ett huvudkort f\u00f6r regelbundna ink\u00f6p + ett gratis backup-kort. M\u00e5nga har t.ex. Coop Mastercard som huvudkort + Bank Norwegian Visa som gratis backup f\u00f6r utlandsresor och kedjor d\u00e4r Coop inte ger maxbonus.<\/p>\n<h3>F\u00e5r jag bonus p\u00e5 alla matink\u00f6p eller bara hos en specifik kedja?<\/h3>\n<p>Beror p\u00e5 kortet. Coop Mastercard Mer ger 0,5 % p\u00e5 allt + bonustrappa upp till 5,5 % bara p\u00e5 Coop. ICA Bankkort Plus ger bara stammispo\u00e4ng p\u00e5 ICA + Apotek Hj\u00e4rtat (inget p\u00e5 andra butiker). Bank Norwegian Visa ger 0,5 % oavsett butik.<\/p>\n<h3>M\u00e5ste jag vara medlem hos butikskedjan?<\/h3>\n<p>Coop kr\u00e4ver Coop-medlemskap (100 kr eng\u00e5ngsavgift, \u00e5terbetalas vid avslut). ICA Stammis \u00e4r gratis. Willys Plus, Hemk\u00f6p Klubb och Lidl Plus \u00e4r ocks\u00e5 gratis.<\/p>\n<h3>Vad \u00e4r bonustrappan p\u00e5 Coop Mastercard?<\/h3>\n<p>Bonusen \u00f6kar med din m\u00e5nadsspending hos Coop: 1 % vid 0\u2013999 kr, 2 % vid 1 000\u20131 999 kr, 3 % vid 2 000\u20132 999 kr, 4 % vid 3 000\u20134 999 kr, 5,5 % vid 5 000+ kr. Trappen \u00e5terst\u00e4lls varje m\u00e5nad.<\/p>\n<h3>Hur kan jag anv\u00e4nda bonuspo\u00e4ng?<\/h3>\n<p>Coop-bonus = v\u00e4rdecheckar att anv\u00e4nda hos Coop. ICA-bonus = bonuscheckar att anv\u00e4nda hos ICA eller Apotek Hj\u00e4rtat. Bank Norwegian CashPoints = v\u00e4xlas till cashback eller resor i Norwegian Reward.<\/p>\n<h3>\u00c4r matkort beskattningspliktigt?<\/h3>\n<p>Nej, bonus och cashback fr\u00e5n kreditkort r\u00e4knas som rabatt och \u00e4r inte skattepliktig inkomst i Sverige.<\/p>\n<h3>Vad \u00e4r skillnaden mellan matkonto och matkreditkort?<\/h3>\n<p>Matkonto (ICA-kort Betala, Coop Matkonto) \u00e4r debetkort \u2013 du laddar med pengar i f\u00f6rv\u00e4g. Matkreditkort (ICA Bankkort Plus, Coop Mastercard Mer) ger kredit, r\u00e4ntefri period, f\u00f6rs\u00e4kring och h\u00f6gre bonus. Matkonto kr\u00e4ver ingen kreditupplysning.<\/p>\n<h3>Kan studenter eller pension\u00e4rer f\u00e5 matkort?<\/h3>\n<p>Ja, b\u00e5de Coop Mastercard Mer och ICA Bankkort Plus accepterar pension som inkomst. F\u00f6r studenter med CSN kan kombination CSN + extrajobb r\u00e4cka f\u00f6r Coop (krav cirka 150 000 kr\/\u00e5r). Se v\u00e5r guide om <a href=\"\/kreditkort-utan-inkomst\/\">kreditkort utan inkomst<\/a>.<\/p>\n<h3>\u00c4r matkort v\u00e4rt det om jag handlar online?<\/h3>\n<p>Coop Mastercard ger samma bonus p\u00e5 Coop online som i butik. ICA Bankkort Plus ger samma stammispo\u00e4ng p\u00e5 ica.se. Re:member Rewards ger extra rabatt i 300+ webbutiker. Onlinek\u00f6p \u00e4r ofta l\u00f6nsammare \u00e4n fysisk butik f\u00f6r bonus.<\/p>\n<h3>Vad ska jag g\u00f6ra om jag handlar lika mycket p\u00e5 Coop och ICA?<\/h3>\n<p>Tv\u00e5 alternativ: 1) V\u00e4lj det kort d\u00e4r maxbonusen \u00e4r h\u00f6gst (Coop 5,5 % sl\u00e5r ICA 1,9 %), 2) Ha b\u00e5da kort \u2013 men det inneb\u00e4r tv\u00e5 kreditupplysningar och tv\u00e5 \u00e5rsavgifter. Vid lika f\u00f6rdelning vinner Coop Mastercard ekonomiskt \u00e4ven f\u00f6r ICA-k\u00f6pen (0,5 % > 0 %).<\/p>\n<\/div>\n<div class=\"skk-internlankar\">\n<h3>L\u00e4s vidare<\/h3>\n<ul>\n<li><a href=\"\/coop-mastercard-mer\/\">Coop Mastercard Mer \u2013 full recension<\/a><\/li>\n<li><a href=\"\/remember-flex-kreditkort\/\">Re:member Flex \u2013 full recension<\/a><\/li>\n<li><a href=\"\/kreditkort-med-bonus\/\">Alla bonuskort \u2013 andra kategorier<\/a><\/li>\n<li><a href=\"\/\">B\u00e4sta kreditkortet 2026 \u2013 \u00f6vergripande topplista<\/a><\/li>\n<\/ul>\n<\/div>\n<p><script type=\"application\/ld+json\">\n{\"@context\":\"https:\/\/schema.org\",\"@type\":\"ItemList\",\"name\":\"B\u00e4sta kreditkortet f\u00f6r matink\u00f6p 2026\",\"numberOfItems\":5,\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"item\":{\"@type\":\"Product\",\"name\":\"Coop Mastercard Mer\",\"url\":\"https:\/\/skaffakreditkort.se\/coop-mastercard-mer\/\",\"aggregateRating\":{\"@type\":\"AggregateRating\",\"ratingValue\":\"4.3\",\"bestRating\":\"5\"}}},{\"@type\":\"ListItem\",\"position\":2,\"item\":{\"@type\":\"Product\",\"name\":\"Re:member Flex\",\"url\":\"https:\/\/skaffakreditkort.se\/remember-flex-kreditkort\/\",\"aggregateRating\":{\"@type\":\"AggregateRating\",\"ratingValue\":\"4.2\",\"bestRating\":\"5\"}}},{\"@type\":\"ListItem\",\"position\":3,\"item\":{\"@type\":\"Product\",\"name\":\"Bank Norwegian Visa\",\"aggregateRating\":{\"@type\":\"AggregateRating\",\"ratingValue\":\"4.1\",\"bestRating\":\"5\"}}},{\"@type\":\"ListItem\",\"position\":4,\"item\":{\"@type\":\"Product\",\"name\":\"ICA Bankkort Plus\",\"aggregateRating\":{\"@type\":\"AggregateRating\",\"ratingValue\":\"4.0\",\"bestRating\":\"5\"}}},{\"@type\":\"ListItem\",\"position\":5,\"item\":{\"@type\":\"Product\",\"name\":\"Hemk\u00f6p Klubb\",\"aggregateRating\":{\"@type\":\"AggregateRating\",\"ratingValue\":\"3.5\",\"bestRating\":\"5\"}}}]}\n<\/script><\/p>\n<p><script type=\"application\/ld+json\">\n{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Vilket kort ger mest bonus p\u00e5 matink\u00f6p?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Coop Mastercard Mer ger upp till 5,5 procent bonus p\u00e5 Coop vid m\u00e5nadsspending \u00f6ver 5 000 kr. ICA Bankkort Plus ger 1,2-1,9 procent p\u00e5 ICA. Bank Norwegian Visa ger 0,5 procent p\u00e5 allt.\"}},{\"@type\":\"Question\",\"name\":\"\u00c4r det v\u00e4rt 295 kr per \u00e5r f\u00f6r Coop Mastercard?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Ja vid minst 5 000 kr per m\u00e5nad p\u00e5 Coop. Vid 5 procent bonus tj\u00e4nar du 3 000 kr per \u00e5r, l\u00e5ngt \u00f6ver 295 kr i \u00e5rsavgift.\"}},{\"@type\":\"Question\",\"name\":\"Vad \u00e4r skillnaden mellan ICA Bankkort Plus och vanlig ICA Stammis?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"ICA Stammis \u00e4r gratis lojalitetskort med 1 po\u00e4ng per krona. ICA Bankkort Plus \u00e4r bank- och kreditkort med extra 20 po\u00e4ng per k\u00f6p plus f\u00f6rs\u00e4kringar och dubbel bonus-m\u00f6jlighet. 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ICA Stammis \u00e4r gratis.\"}},{\"@type\":\"Question\",\"name\":\"Vad \u00e4r bonustrappan p\u00e5 Coop Mastercard?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Bonusen \u00f6kar med m\u00e5nadsspending: 1 procent vid 0-999 kr, 2 procent vid 1 000-1 999, 3 procent vid 2 000-2 999, 4 procent vid 3 000-4 999, 5,5 procent vid 5 000+. \u00c5terst\u00e4lls varje m\u00e5nad.\"}},{\"@type\":\"Question\",\"name\":\"Hur kan jag anv\u00e4nda bonuspo\u00e4ng?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Coop-bonus = v\u00e4rdecheckar hos Coop. ICA-bonus = bonuscheckar hos ICA eller Apotek Hj\u00e4rtat. 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Re:member Rewards ger extra rabatt i 300+ webbutiker.\"}},{\"@type\":\"Question\",\"name\":\"Vad ska jag g\u00f6ra om jag handlar lika mycket p\u00e5 Coop och ICA?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Coop Mastercard vinner ekonomiskt \u00e4ven f\u00f6r ICA-k\u00f6pen tack vare 0,5 procent p\u00e5 allt plus 5,5 procent maxbonus p\u00e5 Coop.\"}}]}\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>V\u00e5rt val 2026: Coop Mastercard Mer F\u00f6r en typisk svensk familj med 6 000\u20138 000 kr\/m\u00e5nad i matbudget hos Coop ger Coop Mastercard Mer (4,3\/5) klart b\u00e4st \u00e5terb\u00e4ring \u2013 upp till 5,5 % bonus p\u00e5<\/p>","protected":false},"author":5,"featured_media":1045,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"template-fullwidth.php","meta":{"_yoast_wpseo_focuskw":"b\u00e4sta kreditkortet f\u00f6r matink\u00f6p","_yoast_wpseo_title":"B\u00e4sta kreditkortet f\u00f6r matink\u00f6p [year]: Topplistan","_yoast_wpseo_metadesc":"Vilket kreditkort ger mest bonus p\u00e5 matink\u00f6p? 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