{"id":161,"date":"2019-12-08T17:23:27","date_gmt":"2019-12-08T16:23:27","guid":{"rendered":"https:\/\/skaffakreditkort.se\/?page_id=161"},"modified":"2026-05-25T21:19:52","modified_gmt":"2026-05-25T19:19:52","slug":"basta-kreditkortet-utan-valutapaslag","status":"publish","type":"page","link":"https:\/\/skaffakreditkort.se\/en\/basta-kreditkortet-utan-valutapaslag\/","title":{"rendered":"Kreditkort utan valutap\u00e5slag 2026: 0 % i utl\u00e4ndsk valuta"},"content":{"rendered":"<p class=\"skk-fakta\">\n<strong style=\"display:block;margin-bottom:4px;color:#0f1a2a;\">Snabb sammanfattning<\/strong><br \/>\nDen h\u00e4r sidan \u00e4r en <strong>renodlad avgiftsguide<\/strong>. Vi listar alla kreditkort och debetkort som har <strong>0 % valutap\u00e5slag<\/strong> i Sverige 2026, j\u00e4mf\u00f6r uttagsavgifter och visar vad du faktiskt sparar i kronor. Vill du ist\u00e4llet ha en bredare guide med resef\u00f6rs\u00e4kring, lounge access och flygbonus? Se v\u00e5r dedikerade <a href=\"\/basta-kreditkortet-pa-resan\/\">resekortguide<\/a>.\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>Vad \u00e4r valutap\u00e5slag?<\/h2>\n<p>Valutap\u00e5slag (\u00e4ven kallat valutav\u00e4xlingsavgift eller v\u00e4xlingsp\u00e5slag) \u00e4r en avgift som <strong>kortutgivaren<\/strong> l\u00e4gger p\u00e5 varje k\u00f6p eller uttag i utl\u00e4ndsk valuta. Avgiften \u00e4r en procentsats av k\u00f6pesumman, vanligtvis <strong>1,75\u20132,5 %<\/strong>.<\/p>\n<p>Det \u00e4r viktigt att f\u00f6rst\u00e5 att valutap\u00e5slag \u00e4r <em>separat<\/em> fr\u00e5n:<\/p>\n<ul class=\"skk-fordelar\">\n<li><strong>N\u00e4tverkets v\u00e4xelkurs<\/strong> \u2013 Visa och Mastercard har egna kurser som ligger n\u00e4ra marknadskursen<\/li>\n<li><strong>Uttagsavgifter<\/strong> \u2013 En separat avgift vid kontantuttag (vanligen 3 % eller 35\u201350 kr)<\/li>\n<li><strong>Acceptansavgifter<\/strong> \u2013 Vissa terminaler tar ut DCC-avgift (dynamic currency conversion)<\/li>\n<\/ul>\n<p>Ett kort med &#8221;0 % valutap\u00e5slag&#8221; ger dig <strong>Visa eller Mastercards officiella kurs<\/strong> utan kortutgivarens p\u00e5slag.<\/p>\n<h2>Kompletta listan: Kreditkort med 0 % valutap\u00e5slag<\/h2>\n<table>\n<thead>\n<tr>\n<th>Kort<\/th>\n<th>Typ<\/th>\n<th>Valutap\u00e5slag<\/th>\n<th>Uttagsavgift<\/th>\n<th>\u00c5rsavgift<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Collector Black<\/td>\n<td>Kreditkort<\/td>\n<td>0 %<\/td>\n<td>3 %<\/td>\n<td>0 kr (\u00e5r 1), sen 195 kr<\/td>\n<\/tr>\n<tr>\n<td>Forex Kreditkort<\/td>\n<td>Kreditkort<\/td>\n<td>0 %<\/td>\n<td>0 % utanf\u00f6r EU\/EES<\/td>\n<td>225 kr<\/td>\n<\/tr>\n<tr>\n<td>Avida Black<\/td>\n<td>Kreditkort<\/td>\n<td>0 %<\/td>\n<td>3 %<\/td>\n<td>0 kr<\/td>\n<\/tr>\n<tr>\n<td>Avida Blue<\/td>\n<td>Kreditkort<\/td>\n<td>0 %<\/td>\n<td>3 %<\/td>\n<td>0 kr<\/td>\n<\/tr>\n<tr>\n<td>Klarna Kortet<\/td>\n<td>Kreditkort<\/td>\n<td>0 %<\/td>\n<td>3 %<\/td>\n<td>0 kr<\/td>\n<\/tr>\n<tr>\n<td>Northmill Visa<\/td>\n<td>Debetkort<\/td>\n<td>0 %<\/td>\n<td>0 %<\/td>\n<td>0 kr<\/td>\n<\/tr>\n<tr>\n<td>Revolut Standard<\/td>\n<td>Debetkort<\/td>\n<td>0 % (tak 10 000 kr\/m\u00e5n)<\/td>\n<td>0 % (tak 2 000 kr\/m\u00e5n)<\/td>\n<td>0 kr<\/td>\n<\/tr>\n<tr>\n<td>Revolut Metal<\/td>\n<td>Debetkort<\/td>\n<td>0 %<\/td>\n<td>0 % (h\u00f6jt tak)<\/td>\n<td>Premium-prenumeration<\/td>\n<\/tr>\n<tr>\n<td>Lunar<\/td>\n<td>Debetkort<\/td>\n<td>0 %<\/td>\n<td>0 % (vissa niv\u00e5er)<\/td>\n<td>0 kr (basniv\u00e5)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Det \u00e4r allt.<\/strong> Alla andra svenska kort har minst 1,5\u20132,5 % valutap\u00e5slag.<\/p>\n<h2>Vad valutap\u00e5slaget faktiskt kostar dig<\/h2>\n<p>De flesta kort ligger p\u00e5 1,75\u20132,5 % valutap\u00e5slag. H\u00e4r \u00e4r vad det inneb\u00e4r i kronor:<\/p>\n<table>\n<thead>\n<tr>\n<th>Total utlandsspend<\/th>\n<th>Vid 1,75 %<\/th>\n<th>Vid 1,99 %<\/th>\n<th>Vid 2,5 %<\/th>\n<th>Med 0 %-kort<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>5 000 kr<\/td>\n<td>88 kr<\/td>\n<td>100 kr<\/td>\n<td>125 kr<\/td>\n<td>0 kr<\/td>\n<\/tr>\n<tr>\n<td>10 000 kr<\/td>\n<td>175 kr<\/td>\n<td>199 kr<\/td>\n<td>250 kr<\/td>\n<td>0 kr<\/td>\n<\/tr>\n<tr>\n<td>20 000 kr<\/td>\n<td>350 kr<\/td>\n<td>398 kr<\/td>\n<td>500 kr<\/td>\n<td>0 kr<\/td>\n<\/tr>\n<tr>\n<td>30 000 kr<\/td>\n<td>525 kr<\/td>\n<td>597 kr<\/td>\n<td>750 kr<\/td>\n<td>0 kr<\/td>\n<\/tr>\n<tr>\n<td>50 000 kr<\/td>\n<td>875 kr<\/td>\n<td>995 kr<\/td>\n<td>1 250 kr<\/td>\n<td>0 kr<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Vid en typisk tv\u00e5veckorsresa med 20 000 kr i utlandsspend sparar du <strong>350\u2013500 kr<\/strong> med ett 0 %-kort j\u00e4mf\u00f6rt med ett genomsnittligt kort. Vid l\u00e4ngre resor och h\u00f6gre belopp blir besparingarna betydligt st\u00f6rre.<\/p>\n<h2>Topplista: Kreditkort utan valutap\u00e5slag<\/h2>\n<h3>1. Collector Black: B\u00e4st totalt<\/h3>\n<table class=\"skk-snabbfakta\">\n<tr>\n<th>Valutap\u00e5slag<\/th>\n<td>0 %<\/td>\n<\/tr>\n<tr>\n<th>\u00c5rsavgift<\/th>\n<td>0 kr f\u00f6rsta \u00e5ret, sedan 195 kr<\/td>\n<\/tr>\n<tr>\n<th>R\u00e4ntefri period<\/th>\n<td>56 dagar<\/td>\n<\/tr>\n<tr>\n<th>Kreditgr\u00e4ns<\/th>\n<td>Upp till 50 000 kr<\/td>\n<\/tr>\n<tr>\n<th>Uttagsavgift<\/th>\n<td>3 % (minst 35 kr)<\/td>\n<\/tr>\n<tr>\n<th>Kortn\u00e4tverk<\/th>\n<td>Mastercard<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Collector Black (som tidigare hette Collector Easyliving) \u00e4r det mest popul\u00e4ra 0 %-kortet. Bra kombination av gratis f\u00f6rsta \u00e5ret + l\u00e4ngst r\u00e4ntefri period (56 dagar) bland 0 %-korten. Mastercard ger bred acceptans globalt.<\/p>\n<p><strong>Best f\u00f6r:<\/strong> Den som vill ha 0 % valutap\u00e5slag utan att betala \u00e5rsavgift f\u00f6rsta \u00e5ret.<\/p>\n<h3>2. Forex Kreditkort: B\u00e4st f\u00f6r uttag utanf\u00f6r EU<\/h3>\n<table class=\"skk-snabbfakta\">\n<tr>\n<th>Valutap\u00e5slag<\/th>\n<td>0 %<\/td>\n<\/tr>\n<tr>\n<th>\u00c5rsavgift<\/th>\n<td>225 kr<\/td>\n<\/tr>\n<tr>\n<th>R\u00e4ntefri period<\/th>\n<td>55 dagar<\/td>\n<\/tr>\n<tr>\n<th>Uttagsavgift<\/th>\n<td>0 % utanf\u00f6r EU\/EES (2 % minst 40 kr inom)<\/td>\n<\/tr>\n<tr>\n<th>Kortn\u00e4tverk<\/th>\n<td>Mastercard<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Det enda svenska kreditkortet med <strong>0 kr uttagsavgift utanf\u00f6r EU\/EES<\/strong>. Om du reser till USA, Asien eller Sydamerika och beh\u00f6ver kontanter \u00e4r detta \u00f6verl\u00e4gset b\u00e4st. Du kan ocks\u00e5 g\u00f6ra fria uttag i Forex egna automater i Sverige.<\/p>\n<p><strong>Best f\u00f6r:<\/strong> Resen\u00e4rer utanf\u00f6r EU som beh\u00f6ver kontanter.<\/p>\n<h3>3. Avida Black: B\u00e4st gratis kreditkort<\/h3>\n<table class=\"skk-snabbfakta\">\n<tr>\n<th>Valutap\u00e5slag<\/th>\n<td>0 %<\/td>\n<\/tr>\n<tr>\n<th>\u00c5rsavgift<\/th>\n<td>0 kr<\/td>\n<\/tr>\n<tr>\n<th>R\u00e4ntefri period<\/th>\n<td>Upp till 45 dagar<\/td>\n<\/tr>\n<tr>\n<th>Uttagsavgift<\/th>\n<td>3 %<\/td>\n<\/tr>\n<tr>\n<th>Kortn\u00e4tverk<\/th>\n<td>Mastercard<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Avida lanserade sina Black- och Blue-kort 2026 med 0 % valutap\u00e5slag och 0 kr i \u00e5rsavgift. Ett av de mest kostnadsfria alternativen om man bara vill ha valutap\u00e5slagsfritt utan andra f\u00f6rm\u00e5ner.<\/p>\n<h3>4. Northmill Visa: B\u00e4st debetkort<\/h3>\n<table class=\"skk-snabbfakta\">\n<tr>\n<th>Valutap\u00e5slag<\/th>\n<td>0 %<\/td>\n<\/tr>\n<tr>\n<th>\u00c5rsavgift<\/th>\n<td>0 kr<\/td>\n<\/tr>\n<tr>\n<th>Uttagsavgift<\/th>\n<td>0 %<\/td>\n<\/tr>\n<tr>\n<th>Korttyp<\/th>\n<td>Debetkort (kr\u00e4ver ins\u00e4ttning av pengar)<\/td>\n<\/tr>\n<tr>\n<th>Kortn\u00e4tverk<\/th>\n<td>Visa<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Northmill \u00e4r ett <strong>debetkort<\/strong>, inte ett kreditkort \u2013 du m\u00e5ste s\u00e4tta in pengar i f\u00f6rv\u00e4g. Men det \u00e4r <strong>helt avgiftsfritt<\/strong>: 0 % valutap\u00e5slag, 0 % uttagsavgift, 0 kr \u00e5rsavgift. Plus 1 % sparr\u00e4nta p\u00e5 insatt kapital.<\/p>\n<p><strong>Best f\u00f6r:<\/strong> Den som vill ha ett komplement till sitt kreditkort utan att l\u00e5na pengar.<\/p>\n<h3>5. Klarna Kortet: B\u00e4st om du redan har Klarna<\/h3>\n<table class=\"skk-snabbfakta\">\n<tr>\n<th>Valutap\u00e5slag<\/th>\n<td>0 %<\/td>\n<\/tr>\n<tr>\n<th>\u00c5rsavgift<\/th>\n<td>0 kr<\/td>\n<\/tr>\n<tr>\n<th>R\u00e4ntefri period<\/th>\n<td>Upp till 45 dagar<\/td>\n<\/tr>\n<tr>\n<th>Uttagsavgift<\/th>\n<td>3 %<\/td>\n<\/tr>\n<tr>\n<th>Kortn\u00e4tverk<\/th>\n<td>Visa<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Klarnakortet \u00e4r gratis och har 0 % valutap\u00e5slag. Bra om du redan anv\u00e4nder Klarna f\u00f6r k\u00f6p och vill ha integrerat kort i appen.<\/p>\n<h2>R\u00e4kneexempel: Vad du sparar i kronor<\/h2>\n<div class=\"skk-tips\">\n<p class=\"skk-tips-rubrik\">Exempel 1: Tv\u00e5 veckors semester i Spanien<\/p>\n<p>Total utlandsspend: 15 000 kr (mat, hotell, aktiviteter)<\/p>\n<table>\n<thead>\n<tr>\n<th>Kort<\/th>\n<th>Valutap\u00e5slag-kostnad<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Vanligt kort 1,99 %<\/td>\n<td>299 kr<\/td>\n<\/tr>\n<tr>\n<td>Vanligt kort 2,5 %<\/td>\n<td>375 kr<\/td>\n<\/tr>\n<tr>\n<td>Collector Black<\/td>\n<td>0 kr<\/td>\n<\/tr>\n<tr>\n<td>Forex Kreditkort<\/td>\n<td>0 kr<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Besparing:<\/strong> 299\u2013375 kr per resa.<\/p>\n<\/div>\n<div class=\"skk-tips\">\n<p class=\"skk-tips-rubrik\">Exempel 2: L\u00e5ng USA-resa<\/p>\n<p>Total utlandsspend: 40 000 kr + 4 kontantuttag \u00e0 2 000 kr = 8 000 kr i kontanter<\/p>\n<table>\n<thead>\n<tr>\n<th>Kort<\/th>\n<th>Valutap\u00e5slag<\/th>\n<th>Uttagsavgift<\/th>\n<th>Totalt<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Vanligt kort (1,99 % + 3 % uttag)<\/td>\n<td>796 kr<\/td>\n<td>240 kr<\/td>\n<td>1 036 kr<\/td>\n<\/tr>\n<tr>\n<td>Collector Black (0 % + 3 % uttag)<\/td>\n<td>0 kr<\/td>\n<td>240 kr<\/td>\n<td>240 kr<\/td>\n<\/tr>\n<tr>\n<td>Forex Kreditkort (0 % + 0 % uttag utanf\u00f6r EU)<\/td>\n<td>0 kr<\/td>\n<td>0 kr<\/td>\n<td>0 kr (+ 225 kr \u00e5rsavgift)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Forex-kortets 225 kr \u00e5rsavgift \u00e4r intj\u00e4nad redan p\u00e5 f\u00f6rsta resan.<\/strong><\/p>\n<\/div>\n<div class=\"skk-tips\">\n<p class=\"skk-tips-rubrik\">Exempel 3: Frekvent online-shopping fr\u00e5n utl\u00e4ndska butiker<\/p>\n<p>Total spend hos amerikanska\/asiatiska e-handlare per \u00e5r: 50 000 kr<\/p>\n<table>\n<thead>\n<tr>\n<th>Kort<\/th>\n<th>\u00c5rlig valutap\u00e5slag-kostnad<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Vanligt kort 1,99 %<\/td>\n<td>995 kr\/\u00e5r<\/td>\n<\/tr>\n<tr>\n<td>Vanligt kort 2,5 %<\/td>\n<td>1 250 kr\/\u00e5r<\/td>\n<\/tr>\n<tr>\n<td>0 %-kort<\/td>\n<td>0 kr\/\u00e5r<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Vid frekvent utl\u00e4ndsk e-handel sparar du <strong>1 000+ kr\/\u00e5r<\/strong>.<\/p>\n<\/div>\n<h2>Strategier f\u00f6r att minimera kostnaderna utomlands<\/h2>\n<h3>Strategi 1: Tv\u00e5 kort i pl\u00e5nboken<\/h3>\n<p>M\u00e5nga reseekonomer anv\u00e4nder <strong>tv\u00e5 0 %-kort<\/strong> som backup f\u00f6r varandra:<\/p>\n<ul class=\"skk-fordelar\">\n<li><strong>K\u00f6p:<\/strong> Collector Black eller Avida Black (0 % valutap\u00e5slag p\u00e5 k\u00f6p)<\/li>\n<li><strong>Kontantuttag:<\/strong> Forex Kreditkort (0 % uttagsavgift utanf\u00f6r EU) eller Northmill (0 % allt)<\/li>\n<\/ul>\n<h3>Strategi 2: Alltid v\u00e4lj lokal valuta<\/h3>\n<p>Vid kortk\u00f6p utomlands fr\u00e5gar terminalen ofta: &#8221;Will you pay in SEK or local currency?&#8221; <strong>V\u00e4lj alltid lokal valuta.<\/strong> Om du v\u00e4ljer SEK aktiveras <strong>DCC (Dynamic Currency Conversion)<\/strong> \u2013 butikens egen v\u00e4xelkurs som ofta l\u00e4gger p\u00e5 3\u20138 %. Det \u00e4r mycket dyrare \u00e4n kortets eget valutap\u00e5slag.<\/p>\n<h3>Strategi 3: Undvik valutav\u00e4xling kontant<\/h3>\n<p>Att v\u00e4xla kontanter p\u00e5 flygplatsen eller hotellet kostar ofta 5\u201315 %. Mycket dyrare \u00e4n kortets valutap\u00e5slag. Anv\u00e4nd kort eller ta ut lokal valuta fr\u00e5n bankomat med ditt 0 %-kort.<\/p>\n<h3>Strategi 4: Undvik on\u00f6diga uttag<\/h3>\n<p>\u00c4ven med 0 % uttagsavgift kan det bli r\u00e4nta fr\u00e5n uttagsdagen om det \u00e4r ett kreditkort. Anv\u00e4nd debetkort (Northmill) f\u00f6r uttag ist\u00e4llet.<\/p>\n<h2>Vanliga missf\u00f6rst\u00e5nd om valutap\u00e5slag<\/h2>\n<h3>&#8221;0 % valutap\u00e5slag betyder ingen kostnad alls&#8221;<\/h3>\n<p>Inte riktigt. Du f\u00e5r fortfarande Visa\/Mastercards v\u00e4xelkurs, som <em>kan<\/em> skilja sig fr\u00e5n marknadskursen med 0,1\u20130,5 % beroende p\u00e5 dag och valuta. Men det \u00e4r betydligt billigare \u00e4n kort med eget valutap\u00e5slag.<\/p>\n<h3>&#8221;Valutap\u00e5slag och uttagsavgift \u00e4r samma sak&#8221;<\/h3>\n<p>Nej, tv\u00e5 separata avgifter. Valutap\u00e5slag = procent p\u00e5 k\u00f6pet. Uttagsavgift = procent eller fast kr vid kontantuttag. Vissa kort har 0 % p\u00e5 det ena men inte det andra.<\/p>\n<h3>&#8221;Alla kort har samma valutap\u00e5slag&#8221;<\/h3>\n<p>Nej, varierar mellan 0 % och 2,5 %. <strong>Bank Norwegian h\u00f6jde 2026 fr\u00e5n 0 % till 1,99 %<\/strong> \u2013 tidigare en av de b\u00e4sta, nu en av de medelm\u00e5ttiga.<\/p>\n<h3>&#8221;American Express har b\u00e4st v\u00e4xelkurs&#8221;<\/h3>\n<p>Nej. Amex har faktiskt h\u00f6ga avgifter: 2 % valutap\u00e5slag + 4 % uttagsavgift. Membership Rewards-po\u00e4ng kompenserar viss del, men ren avgiftskostnad \u00e4r h\u00f6g.<\/p>\n<h2>Vad du <em>inte<\/em> hittar p\u00e5 den h\u00e4r sidan<\/h2>\n<p>Den h\u00e4r guiden \u00e4r fokuserad <strong>enbart p\u00e5 valutap\u00e5slag och uttagsavgifter<\/strong>. Vill du veta mer om:<\/p>\n<ul class=\"skk-fordelar\">\n<li><strong>Resef\u00f6rs\u00e4kring, lounge access, flygbonus?<\/strong> Se v\u00e5r <a href=\"\/basta-kreditkortet-pa-resan\/\">resekortguide<\/a><\/li>\n<li><strong>S\u00e4kerhet vid utlandsanv\u00e4ndning?<\/strong> Se <a href=\"\/viktigt-att-tanka-pa-vid-kortanvandning-utomlands\/\">s\u00e4kerhetsguide f\u00f6r utlandsanv\u00e4ndning<\/a><\/li>\n<li><strong>Specifika kortrecensioner?<\/strong> Se respektive korts dedikerade sida<\/li>\n<\/ul>\n<h2>Vanliga fr\u00e5gor om valutap\u00e5slag<\/h2>\n<div class=\"skk-faq\">\n<h3>Vad \u00e4r valutap\u00e5slag?<\/h3>\n<p>En procentsats (vanligtvis 1,75\u20132,5 %) som kortutgivaren l\u00e4gger p\u00e5 varje k\u00f6p i utl\u00e4ndsk valuta. Skild fr\u00e5n n\u00e4tverkets v\u00e4xelkurs och uttagsavgifter.<\/p>\n<h3>Vilka kreditkort har 0 % valutap\u00e5slag?<\/h3>\n<p>Collector Black, Forex Kreditkort, Avida Black, Avida Blue, Klarnakortet. Plus debetkorten Northmill, Revolut och Lunar.<\/p>\n<h3>Vilket \u00e4r det b\u00e4sta kortet utan valutap\u00e5slag?<\/h3>\n<p>Beror p\u00e5 behov. Collector Black \u00e4r b\u00e4st totalt (gratis \u00e5r 1, Mastercard, 56 dagar r\u00e4ntefri). Forex \u00e4r b\u00e4st f\u00f6r uttag utanf\u00f6r EU. Northmill \u00e4r b\u00e4st gratis debetkort.<\/p>\n<h3>Vad kostar valutap\u00e5slaget i kronor?<\/h3>\n<p>Vid 1,99 % och 10 000 kr utlandsspend: 199 kr. Vid 20 000 kr: 398 kr. Vid 50 000 kr: 995 kr.<\/p>\n<h3>\u00c4r debetkort billigare \u00e4n kreditkort utomlands?<\/h3>\n<p>Northmill och Revolut har 0 % valutap\u00e5slag och 0 % uttagsavgift, vilket g\u00f6r dem billigare \u00e4n de flesta kreditkort. Men du m\u00e5ste ha pengar p\u00e5 kontot och f\u00e5r inte r\u00e4ntefri period.<\/p>\n<h3>Vad \u00e4r skillnaden mellan valutap\u00e5slag och DCC?<\/h3>\n<p>Valutap\u00e5slag = kortutgivarens avgift f\u00f6r att v\u00e4xla valuta. DCC (Dynamic Currency Conversion) = butikens v\u00e4xling till SEK i terminalen, ofta 3\u20138 % dyrare. V\u00e4lj alltid lokal valuta.<\/p>\n<h3>Har Bank Norwegian 0 % valutap\u00e5slag?<\/h3>\n<p>Inte l\u00e4ngre. Bank Norwegian h\u00f6jde 2026 fr\u00e5n 0 % till <strong>1,99 %<\/strong>. Tidigare ett av de b\u00e4sta korten utomlands, nu medelm\u00e5ttigt p\u00e5 just valutap\u00e5slag.<\/p>\n<h3>F\u00e5r jag v\u00e4xlingskurs lika med marknadskursen?<\/h3>\n<p>Med 0 %-kort: n\u00e4stan. Du f\u00e5r Visa eller Mastercards officiella kurs, som ligger n\u00e4ra marknadskursen (0,1\u20130,5 % skillnad).<\/p>\n<h3>Kan jag f\u00f6rhandla bort valutap\u00e5slaget?<\/h3>\n<p>Nej. Det \u00e4r inbyggt i kortets villkor.<\/p>\n<h3>Beh\u00f6ver jag 0 %-kort om jag bara reser n\u00e5gon vecka per \u00e5r?<\/h3>\n<p>Beror p\u00e5 utlandsspend. Vid 5 000 kr spend sparar du 100 kr. Vid 15 000 kr: 300 kr. R\u00e4kna p\u00e5 din egen situation.<\/p>\n<h3>L\u00f6nar sig Forex Kreditkortets \u00e5rsavgift?<\/h3>\n<p>Vid ens en utlandsresa med kontantuttag utanf\u00f6r EU sparar du normalt mer \u00e4n 225 kr (\u00e5rsavgiften) i uttagsavgifter och valutap\u00e5slag.<\/p>\n<h3>Vad h\u00e4nder om jag betalar med SEK i butiken utomlands?<\/h3>\n<p>D\u00e5 aktiveras DCC \u2013 butikens egen v\u00e4xling. Vanligtvis 3\u20138 % dyrare \u00e4n kortets valutap\u00e5slag. V\u00e4lj alltid lokal valuta vid kortbetalning utomlands.<\/p>\n<h3>\u00c4r Revolut alltid gratis?<\/h3>\n<p>Standard-niv\u00e5n har taket 10 000 kr\/m\u00e5nad f\u00f6r avgiftsfri v\u00e4xling och 2 000 kr f\u00f6r uttag. \u00d6ver dessa belopp tillkommer avgifter. Premium-niv\u00e5er (Plus, Premium, Metal) har h\u00f6gre tak men kostar m\u00e5natlig prenumeration.<\/p>\n<h3>R\u00e4knas valutap\u00e5slag in i effektiv r\u00e4nta?<\/h3>\n<p>Nej. Effektiv r\u00e4nta ber\u00e4knas p\u00e5 kreditkostnaden vid utnyttjad kredit. Valutap\u00e5slag \u00e4r en separat avgift som tillkommer f\u00f6r varje utlandstransaktion.<\/p>\n<h3>Hur ser jag valutap\u00e5slaget p\u00e5 min faktura?<\/h3>\n<p>Oftast specificeras det inte separat \u2013 det \u00e4r inb\u00e4ddat i beloppet som dras. Du kan j\u00e4mf\u00f6ra det dragna beloppet mot dagens marknadskurs f\u00f6r att se det totala p\u00e5slaget (v\u00e4xelkurs + valutap\u00e5slag).<\/p>\n<\/div>\n<p class=\"skk-warning\">\n<strong style=\"display:block;margin-bottom:4px;color:#92400e;\">Representativt exempel<\/strong><br \/>\nF\u00f6r kreditkort g\u00e4ller f\u00f6ljande representativa exempel: Vid utnyttjad kredit p\u00e5 20 000 kr \u00e5terbetalt \u00f6ver 12 m\u00e5nader \u00e4r den effektiva r\u00e4ntan 15\u201322 %. Det sammanlagda beloppet att betala tillbaka \u00e4r 21 500\u201322 400 kr. R\u00e4ntor \u00e4r r\u00f6rliga. Maxr\u00e4nta enligt konsumentkreditlagen \u00e4r Riksbankens referensr\u00e4nta + 20 procentenheter. Att l\u00e5na kostar pengar \u2013 betala alltid hela fakturabeloppet i tid om du kan.\n<\/p>\n<div class=\"skk-internlankar\">\n<h3>L\u00e4s vidare<\/h3>\n<ul>\n<li><a href=\"\/basta-kreditkortet-pa-resan\/\">B\u00e4sta resekortet 2026 \u2013 komplett resekortguide<\/a><\/li>\n<li><a href=\"\/viktigt-att-tanka-pa-vid-kortanvandning-utomlands\/\">S\u00e4kerhet och praktiska tips vid utlandsanv\u00e4ndning<\/a><\/li>\n<li><a href=\"\/skillnad-mellan-visa-och-mastercard\/\">Visa vs Mastercard \u2013 vilket \u00e4r b\u00e4st utomlands?<\/a><\/li>\n<li><a href=\"\/\">B\u00e4sta kreditkortet 2026<\/a><\/li>\n<\/ul>\n<\/div>\n<p><script type=\"application\/ld+json\">\n{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Vad \u00e4r valutap\u00e5slag?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"En procentsats (vanligtvis 1,75-2,5 procent) som kortutgivaren l\u00e4gger p\u00e5 varje k\u00f6p i utl\u00e4ndsk valuta. Skild fr\u00e5n n\u00e4tverkets v\u00e4xelkurs och uttagsavgifter.\"}},{\"@type\":\"Question\",\"name\":\"Vilka kreditkort har 0 procent valutap\u00e5slag?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Collector Black, Forex Kreditkort, Avida Black, Avida Blue, Klarnakortet. Plus debetkorten Northmill, Revolut och Lunar.\"}},{\"@type\":\"Question\",\"name\":\"Vilket \u00e4r b\u00e4st utan valutap\u00e5slag?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Beror p\u00e5 behov. Collector Black \u00e4r b\u00e4st totalt. Forex \u00e4r b\u00e4st f\u00f6r uttag utanf\u00f6r EU. Northmill \u00e4r b\u00e4st gratis debetkort.\"}},{\"@type\":\"Question\",\"name\":\"Vad kostar valutap\u00e5slaget i kronor?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Vid 1,99 procent och 10000 kr utlandsspend: 199 kr. Vid 20000 kr: 398 kr. Vid 50000 kr: 995 kr.\"}},{\"@type\":\"Question\",\"name\":\"\u00c4r debetkort billigare \u00e4n kreditkort utomlands?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Northmill och Revolut har 0 procent valutap\u00e5slag och 0 procent uttagsavgift. Billigare \u00e4n de flesta kreditkort men kr\u00e4ver ins\u00e4ttning.\"}},{\"@type\":\"Question\",\"name\":\"Skillnad mellan valutap\u00e5slag och DCC?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Valutap\u00e5slag \u00e4r kortutgivarens avgift. DCC \u00e4r butikens v\u00e4xling till SEK, ofta 3-8 procent dyrare. V\u00e4lj alltid lokal valuta.\"}},{\"@type\":\"Question\",\"name\":\"Har Bank Norwegian 0 procent valutap\u00e5slag?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Inte l\u00e4ngre. Bank Norwegian h\u00f6jde 2026 fr\u00e5n 0 procent till 1,99 procent.\"}},{\"@type\":\"Question\",\"name\":\"F\u00e5r jag v\u00e4xlingskurs lika med marknadskursen?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Med 0 procent-kort n\u00e4stan. Visa eller Mastercards officiella kurs, 0,1-0,5 procent skillnad.\"}},{\"@type\":\"Question\",\"name\":\"Kan jag f\u00f6rhandla bort valutap\u00e5slaget?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Nej. Inbyggt i kortets villkor.\"}},{\"@type\":\"Question\",\"name\":\"Beh\u00f6ver jag 0 procent-kort vid kortare resor?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Beror p\u00e5 utlandsspend. Vid 5000 kr sparar du 100 kr. Vid 15000 kr 300 kr.\"}},{\"@type\":\"Question\",\"name\":\"L\u00f6nar sig Forex Kreditkortets \u00e5rsavgift?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Ja, vid en utlandsresa med kontantuttag utanf\u00f6r EU sparar du normalt mer \u00e4n 225 kr.\"}},{\"@type\":\"Question\",\"name\":\"Vad om jag betalar med SEK utomlands?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Aktiverar DCC. Butikens egen v\u00e4xling, 3-8 procent dyrare. V\u00e4lj alltid lokal valuta.\"}},{\"@type\":\"Question\",\"name\":\"\u00c4r Revolut alltid gratis?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Standard har tak 10000 kr\/m\u00e5nad v\u00e4xling och 2000 kr uttag. 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Vill du<\/p>","protected":false},"author":5,"featured_media":1053,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"template-fullwidth.php","meta":{"_yoast_wpseo_focuskw":"kreditkort utan valutap\u00e5slag","_yoast_wpseo_title":"Kreditkort utan valutap\u00e5slag [year]: 0 % i utl\u00e4ndsk valuta","_yoast_wpseo_metadesc":"J\u00e4mf\u00f6r alla kreditkort utan valutap\u00e5slag [year]. Spara 100-tals kronor per utlandsresa med 0 % v\u00e4xlingsavgift.","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","footnotes":"","ilj_linkdefinition":["kreditkort utan valutap\u00e5slag","0 procent valutap\u00e5slag","valutap\u00e5slag","valutav\u00e4xlingsavgift","kreditkort utomlands","kort utan avgift utomlands","Collector Black","Forex kreditkort","Northmill"]},"class_list":["post-161","page","type-page","status-publish","has-post-thumbnail","hentry"],"ilj_keywords":["kreditkort utan valutap\u00e5slag","0 procent valutap\u00e5slag","valutap\u00e5slag","valutav\u00e4xlingsavgift","kreditkort utomlands","kort utan avgift utomlands","Collector Black","Forex kreditkort","Northmill"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Kreditkort utan valutap\u00e5slag 2026: 0 % i utl\u00e4ndsk valuta<\/title>\n<meta name=\"description\" content=\"J\u00e4mf\u00f6r alla kreditkort utan valutap\u00e5slag 2026. 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