{"id":183,"date":"2019-12-08T18:50:24","date_gmt":"2019-12-08T17:50:24","guid":{"rendered":"https:\/\/skaffakreditkort.se\/?page_id=183"},"modified":"2026-05-25T21:19:51","modified_gmt":"2026-05-25T19:19:51","slug":"basta-visa-kreditkortet","status":"publish","type":"page","link":"https:\/\/skaffakreditkort.se\/en\/basta-visa-kreditkortet\/","title":{"rendered":"B\u00e4sta Visa kreditkort 2026: Topplistan"},"content":{"rendered":"<p class=\"skk-fakta\">\n<strong style=\"display:block;margin-bottom:4px;color:#0f1a2a;\">V\u00e5rt val 2026: Bank Norwegian Visa<\/strong><br \/>\nF\u00f6r de flesta \u00e4r <strong>Bank Norwegian Visa<\/strong> (4,3\/5) b\u00e4sta Visa-valet: 0 kr \u00e5rsavgift, 0,5 % CashPoints p\u00e5 alla k\u00f6p, 0 kr uttagsavgift utomlands och 45 dagar r\u00e4ntefri kredit. F\u00f6r drivmedel: <a href=\"\/okq8-kreditkort\/\"><strong>OKQ8 Visa<\/strong><\/a> (4,3\/5). F\u00f6r utlandsresor utan valutap\u00e5slag: <a href=\"\/collector-easyliving\/\"><strong>Collector Easyliving<\/strong><\/a> (4,2\/5). B\u00e4sta debetkort: <strong>Northmill Visa<\/strong> \u2013 0 kr i alla avgifter, \u00e4ven utomlands.\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 Visa-kreditkortet 2026<\/h2>\n<table>\n<thead>\n<tr>\n<th>#<\/th>\n<th>Kort<\/th>\n<th>Huvudf\u00f6rm\u00e5n<\/th>\n<th>\u00c5rsavgift<\/th>\n<th>Valutap\u00e5slag<\/th>\n<th>Betyg<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1<\/td>\n<td>Bank Norwegian Visa<\/td>\n<td>0,5 % CashPoints + 0 kr uttagsavgift<\/td>\n<td>0 kr<\/td>\n<td>1,99 %<\/td>\n<td>4,3\/5<\/td>\n<\/tr>\n<tr>\n<td>2<\/td>\n<td><a href=\"\/okq8-kreditkort\/\">OKQ8 Visa<\/a><\/td>\n<td>25 \u00f6re\/L OKQ8 + 2 % cashback OKQ8<\/td>\n<td>0 kr<\/td>\n<td>2,00 %<\/td>\n<td>4,3\/5<\/td>\n<\/tr>\n<tr>\n<td>3<\/td>\n<td><a href=\"\/collector-easyliving\/\">Collector Easyliving<\/a><\/td>\n<td>0 % valutap\u00e5slag + 56 dagar r\u00e4ntefritt<\/td>\n<td>195 kr<\/td>\n<td>0 %<\/td>\n<td>4,2\/5<\/td>\n<\/tr>\n<tr>\n<td>4<\/td>\n<td>Northmill Visa<\/td>\n<td>Debetkort, 0 kr alla avgifter, 1 % sparr\u00e4nta<\/td>\n<td>0 kr<\/td>\n<td>0 %<\/td>\n<td>4,2\/5<\/td>\n<\/tr>\n<tr>\n<td>5<\/td>\n<td>FOREX Kreditkort<\/td>\n<td>40 \u00f6re\/L Preem + 0 % valutap\u00e5slag<\/td>\n<td>225 kr<\/td>\n<td>0 %<\/td>\n<td>3,9\/5<\/td>\n<\/tr>\n<tr>\n<td>6<\/td>\n<td>GF Card<\/td>\n<td>Utan UC (Creditsafe), virtuellt + fysiskt<\/td>\n<td>0 kr<\/td>\n<td>\u2014<\/td>\n<td>3,7\/5<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Vad \u00e4r Visa och hur skiljer det sig fr\u00e5n Mastercard?<\/h2>\n<p>Visa \u00e4r v\u00e4rldens st\u00f6rsta betalningsn\u00e4tverk \u2013 \u00f6ver 4,1 miljarder Visa-kort finns globalt och accepteras i 200+ l\u00e4nder. Visa utger inte sj\u00e4lva n\u00e5gra kort utan licensierar sin logo och betaln\u00e4tverk till banker och kortutgivare. Det \u00e4r d\u00e4rf\u00f6r ett &#8221;Visa-kort&#8221; fr\u00e5n Bank Norwegian och ett &#8221;Visa-kort&#8221; fr\u00e5n Collector Bank har helt olika villkor \u2013 Visa-loggan \u00e4r gemensam, banken bakom \u00e4r inte.<\/p>\n<p>Skillnaden mot Mastercard \u00e4r liten f\u00f6r konsumenten:<\/p>\n<ul class=\"skk-fordelar\">\n<li>Visa har n\u00e5got starkare n\u00e4rvaro i USA<\/li>\n<li>Mastercard har n\u00e5got starkare n\u00e4rvaro i Europa<\/li>\n<li>I Sverige accepteras b\u00e5da n\u00e4stan identiskt<\/li>\n<li>Vissa f\u00e5 handlare tar bara Visa (typiskt mindre familje\u00e4gda butiker i USA)<\/li>\n<li>Vissa f\u00e5 handlare tar bara Mastercard (varierar)<\/li>\n<\/ul>\n<p>Skillnaden mellan olika Visa-kort handlar mer om <strong>vilken bank som ger ut kortet<\/strong> \u2013 Bank Norwegian, Collector, Northmill etc. \u2013 \u00e4n om Visa-logon p\u00e5 framsidan.<\/p>\n<h2>V\u00e5rt val: Bank Norwegian Visa (4,3\/5)<\/h2>\n<p><strong>Bank Norwegian Visa<\/strong> \u00e4r ett av Sveriges popul\u00e4raste kreditkort och rankas etta hos majoriteten av j\u00e4mf\u00f6relsesajter. Huvudf\u00f6rdelarna:<\/p>\n<table class=\"skk-snabbfakta\">\n<tr>\n<th>\u00c5rsavgift<\/th>\n<td>0 kr<\/td>\n<\/tr>\n<tr>\n<th>CashPoints p\u00e5 alla k\u00f6p<\/th>\n<td>0,5 % (upp till 100 000 kr\/\u00e5r)<\/td>\n<\/tr>\n<tr>\n<th>CashPoints Norwegian-flyg<\/th>\n<td>3\u20135 % p\u00e5 Lowfare, 10 % p\u00e5 Flex<\/td>\n<\/tr>\n<tr>\n<th>Valutap\u00e5slag<\/th>\n<td>1,99 % (h\u00f6jt 2026)<\/td>\n<\/tr>\n<tr>\n<th>Uttagsavgift utomlands<\/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>Nominell r\u00e4nta<\/th>\n<td>26,90 %<\/td>\n<\/tr>\n<tr>\n<th>Effektiv r\u00e4nta<\/th>\n<td>~25\u201326 %<\/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 \u2013 75 %-regel av resan<\/td>\n<\/tr>\n<tr>\n<th>Kreditupplysning<\/th>\n<td>Creditsafe (inte UC)<\/td>\n<\/tr>\n<tr>\n<th>Apple Pay \/ Google Pay<\/th>\n<td>Ja<\/td>\n<\/tr>\n<\/table>\n<p class=\"skk-info\">\n<strong style=\"display:block;margin-bottom:4px;color:#071a30;\">Viktigt om valutap\u00e5slaget<\/strong><br \/>\nBank Norwegian Visa kvalificerar <em>inte l\u00e4ngre<\/em> som ett kort utan valutap\u00e5slag. Tidigare hade kortet 0 % valutap\u00e5slag, men det h\u00f6jdes till 1,99 % under 2026. F\u00f6r resor med mycket utlandsk\u00f6p \u00e4r Collector Easyliving (0 %), FOREX Kreditkort (0 %) eller Northmill Visa (0 %) b\u00e4ttre alternativ idag.\n<\/p>\n<div class=\"skk-proscons\">\n<div class=\"skk-pros\">\n<h4>Bank Norwegian Visas f\u00f6rdelar<\/h4>\n<ul>\n<li>0 kr i \u00e5rsavgift \u2013 kostnadsfritt att \u00e4ga<\/li>\n<li>0,5 % CashPoints p\u00e5 alla k\u00f6p \u2013 inga aktiveringskrav<\/li>\n<li>0 kr uttagsavgift utomlands (\u00e4ven utanf\u00f6r EU\/EES)<\/li>\n<li>3\u201310 % bonus vid Norwegian-flyg<\/li>\n<li>H\u00f6g kreditgr\u00e4ns (150 000 kr)<\/li>\n<li>Resef\u00f6rs\u00e4kring ing\u00e5r<\/li>\n<li>Creditsafe (inte UC) \u2013 mindre p\u00e5verkan p\u00e5 kreditscore<\/li>\n<\/ul>\n<\/div>\n<div class=\"skk-cons\">\n<h4>Bank Norwegian Visas nackdelar<\/h4>\n<ul>\n<li>1,99 % valutap\u00e5slag (inte l\u00e4ngre 0 %)<\/li>\n<li>H\u00f6g r\u00e4nta 26,90 % \u2013 kostsamt vid delbetalning<\/li>\n<li>R\u00e4nta fr\u00e5n dag 1 vid kontantuttag (\u00e4ven om uttagsavgiften \u00e4r 0 kr)<\/li>\n<li>Max 500 CashPoints\/m\u00e5nad i taklimit (lite sn\u00e5lt)<\/li>\n<li>Inga extrakort<\/li>\n<li>45 dagar r\u00e4ntefri kredit (kortare \u00e4n Collector eller Re:member)<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<h2>F\u00f6r drivmedel: OKQ8 Visa (4,3\/5)<\/h2>\n<p><a href=\"\/okq8-kreditkort\/\"><strong>OKQ8 Visa<\/strong><\/a> \u00e4r det starkaste tankkortet p\u00e5 svenska marknaden:<\/p>\n<table class=\"skk-snabbfakta\">\n<tr>\n<th>\u00c5rsavgift<\/th>\n<td>0 kr<\/td>\n<\/tr>\n<tr>\n<th>Drivmedelsrabatt OKQ8 bemannade<\/th>\n<td>25 \u00f6re\/liter<\/td>\n<\/tr>\n<tr>\n<th>Drivmedelsrabatt OKQ8 obemannade<\/th>\n<td>5 \u00f6re\/liter<\/td>\n<\/tr>\n<tr>\n<th>Cashback OKQ8 (ut\u00f6ver drivmedel)<\/th>\n<td>2 %<\/td>\n<\/tr>\n<tr>\n<th>Cashback \u00f6vriga k\u00f6p<\/th>\n<td>0,3\u20130,6 %<\/td>\n<\/tr>\n<tr>\n<th>Sparr\u00e4nta p\u00e5 ins\u00e4ttning<\/th>\n<td>0,75 % upp till 150 000 kr<\/td>\n<\/tr>\n<tr>\n<th>Nominell r\u00e4nta<\/th>\n<td>14,95 % \u2013 en av marknadens l\u00e4gsta<\/td>\n<\/tr>\n<tr>\n<th>Effektiv r\u00e4nta<\/th>\n<td>15,57 %<\/td>\n<\/tr>\n<tr>\n<th>R\u00e4ntefri kredit<\/th>\n<td>upp till 45 dagar<\/td>\n<\/tr>\n<tr>\n<th>Resef\u00f6rs\u00e4kring<\/th>\n<td>Ing\u00e5r, 75 %-regel<\/td>\n<\/tr>\n<tr>\n<th>Kreditgr\u00e4ns<\/th>\n<td>upp till 100 000 kr<\/td>\n<\/tr>\n<\/table>\n<p>Den l\u00e5ga r\u00e4ntan (14,95 %) g\u00f6r OKQ8 Visa till ett av f\u00e5 Visa-kort som \u00e4r n\u00e5gorlunda f\u00f6rl\u00e5tande vid delbetalning. Plus drivmedelsrabatten t\u00e4cker \u00e5rsavgiften redan vid ~900 L bensin\/\u00e5r (vilket motsvarar en normalbilist).<\/p>\n<h2>F\u00f6r utlandsresor utan valutap\u00e5slag: Collector Easyliving (4,2\/5)<\/h2>\n<p><a href=\"\/collector-easyliving\/\"><strong>Collector Easyliving<\/strong><\/a> \u00e4r v\u00e5rt val f\u00f6r dig som reser och handlar mycket utomlands:<\/p>\n<table class=\"skk-snabbfakta\">\n<tr>\n<th>\u00c5rsavgift<\/th>\n<td>195 kr (gratis f\u00f6rsta \u00e5ret)<\/td>\n<\/tr>\n<tr>\n<th>Valutap\u00e5slag<\/th>\n<td>0 %<\/td>\n<\/tr>\n<tr>\n<th>R\u00e4ntefri kredit<\/th>\n<td>upp till 56 dagar (l\u00e4ngst bland Visa-kort)<\/td>\n<\/tr>\n<tr>\n<th>Uttagsavgift<\/th>\n<td>3 % (l\u00e4gst 35 kr) \u2013 nackdel<\/td>\n<\/tr>\n<tr>\n<th>F\u00f6rs\u00e4kringar<\/th>\n<td>4 stycken (allrisk, leverans, evenemang, avbest\u00e4llning)<\/td>\n<\/tr>\n<tr>\n<th>Resef\u00f6rs\u00e4kring<\/th>\n<td>50 %-regel (l\u00e4gst p\u00e5 marknaden)<\/td>\n<\/tr>\n<tr>\n<th>Avbest\u00e4llningsskydd<\/th>\n<td>Utan sj\u00e4lvrisk<\/td>\n<\/tr>\n<\/table>\n<p>Break-even mot Bank Norwegian: vid handla i utl\u00e4ndsk valuta f\u00f6r cirka 9 800 kr\/\u00e5r vinner Collector Easyliving (0 % vs 1,99 % p\u00e5 9 800 kr = 195 kr besparing = \u00e5rsavgiften). Frekventa utlandsresen\u00e4rer (10 000+ kr\/\u00e5r i utl\u00e4ndska k\u00f6p) v\u00e4ljer Collector Easyliving framf\u00f6r Bank Norwegian.<\/p>\n<h2>B\u00e4sta debetkort: Northmill Visa (4,2\/5)<\/h2>\n<p><strong>Northmill Visa<\/strong> \u00e4r ett debetkort \u2013 det vill s\u00e4ga, du m\u00e5ste ha pengar p\u00e5 kontot f\u00f6r att kunna handla. Inga r\u00e4ntor, inga delbetalningar. Men extremt billigt och praktiskt:<\/p>\n<table class=\"skk-snabbfakta\">\n<tr>\n<th>\u00c5rsavgift<\/th>\n<td>0 kr<\/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 (obegr\u00e4nsat antal uttag, \u00e4ven utomlands)<\/td>\n<\/tr>\n<tr>\n<th>Sparr\u00e4nta p\u00e5 insatta pengar<\/th>\n<td>1 %<\/td>\n<\/tr>\n<tr>\n<th>Resef\u00f6rs\u00e4kring<\/th>\n<td>Ing\u00e5r vid 50 % av resan med kortet<\/td>\n<\/tr>\n<tr>\n<th>Kontokredit (valbart)<\/th>\n<td>Kan kopplas till f\u00f6r att fungera som kreditkort<\/td>\n<\/tr>\n<tr>\n<th>Apple Pay \/ Google Pay<\/th>\n<td>Ja<\/td>\n<\/tr>\n<tr>\n<th>V\u00e4lkomstbonus<\/th>\n<td>101 kr<\/td>\n<\/tr>\n<\/table>\n<p>Northmill \u00e4r unik p\u00e5 svenska marknaden: noll avgifter p\u00e5 <em>allt<\/em>, \u00e4ven utomlands. L\u00e4mpligt som backup-kort eller som prim\u00e4rt kort f\u00f6r dig som vill undvika kreditrisk men \u00e4nd\u00e5 ha smidig betalning utomlands.<\/p>\n<h2>Specialfall: FOREX Kreditkort (3,9\/5)<\/h2>\n<p><strong>FOREX Kreditkort<\/strong> kostar 225 kr\/\u00e5r men har tv\u00e5 unika f\u00f6rdelar:<\/p>\n<ul class=\"skk-fordelar\">\n<li><strong>0 % valutap\u00e5slag<\/strong> \u2013 billigast utlands<\/li>\n<li><strong>0 kr uttagsavgift utanf\u00f6r EU\/EES<\/strong> (unikt!) \u2013 inom EU\/EES 2 %, l\u00e4gst 40 kr<\/li>\n<li><strong>40 \u00f6re\/L p\u00e5 Preem bemannade stationer<\/strong> \u2013 marknadens h\u00f6gsta<\/li>\n<\/ul>\n<p>FOREX \u00e4r optimalt f\u00f6r dem som reser till destinationer utanf\u00f6r EU\/EES (USA, Asien, Sydamerika) och beh\u00f6ver kontanter p\u00e5 plats. Inom EU\/EES finns billigare alternativ.<\/p>\n<h2>F\u00f6r dem som vill undvika UC: GF Card (3,7\/5)<\/h2>\n<p><strong>GF Card<\/strong> fr\u00e5n GF Money \u00e4r ett Visa-kort som anv\u00e4nder <strong>Creditsafe<\/strong> ist\u00e4llet f\u00f6r UC vid kreditupplysning. L\u00e4mpligt om du vill undvika ytterligare UC-fr\u00e5ga p\u00e5 ditt kreditregister.<\/p>\n<table class=\"skk-snabbfakta\">\n<tr>\n<th>\u00c5rsavgift<\/th>\n<td>0 kr<\/td>\n<\/tr>\n<tr>\n<th>Kreditupplysning<\/th>\n<td>Creditsafe (inte UC)<\/td>\n<\/tr>\n<tr>\n<th>Virtuellt + fysiskt kort<\/th>\n<td>Ja<\/td>\n<\/tr>\n<tr>\n<th>Apple Pay \/ Google Pay<\/th>\n<td>Ja<\/td>\n<\/tr>\n<\/table>\n<p>Notera dock: Bank Norwegian Visa anv\u00e4nder ocks\u00e5 Creditsafe. F\u00f6r m\u00e5nga \u00e4r Bank Norwegian d\u00e4rf\u00f6r ett b\u00e4ttre val.<\/p>\n<h2>R\u00e4kneexempel: vilket Visa ger mest v\u00e4rde?<\/h2>\n<div class=\"skk-tips\">\n<p class=\"skk-tips-rubrik\">R\u00e4kneexempel 1: Vardagskonsument (12 000 kr\/m\u00e5nad utan utlandsresor)<\/p>\n<ul>\n<li><strong>Bank Norwegian Visa:<\/strong> 144 000 \u00d7 0,5 % = <strong>720 kr\/\u00e5r<\/strong> + 0 kr avgift<\/li>\n<li><strong>OKQ8 Visa (vid OKQ8-tankning):<\/strong> Drivmedel + 0,3\u20130,6 % \u00f6vrigt = <strong>500\u2013700 kr\/\u00e5r<\/strong><\/li>\n<li><strong>Northmill Visa (debet):<\/strong> Ingen cashback men 1 % sparr\u00e4nta + 0 kr avgifter = <strong>~100 kr v\u00e4rde<\/strong><\/li>\n<li><strong>Vinnare:<\/strong> Bank Norwegian Visa<\/li>\n<\/ul>\n<\/div>\n<div class=\"skk-tips\">\n<p class=\"skk-tips-rubrik\">R\u00e4kneexempel 2: Frekvent utlandsresen\u00e4r (5 000 kr\/m\u00e5nad varav 2 000 utomlands)<\/p>\n<ul>\n<li><strong>Bank Norwegian Visa:<\/strong> 60 000 \u00d7 0,5 % &#8211; 24 000 \u00d7 1,99 % = 300 &#8211; 478 = <strong>-178 kr\/\u00e5r<\/strong><\/li>\n<li><strong>Collector Easyliving:<\/strong> 0 % valutap\u00e5slag = <strong>478 kr besparing<\/strong> &#8211; 195 kr avgift = <strong>283 kr\/\u00e5r netto<\/strong><\/li>\n<li><strong>Northmill Visa:<\/strong> Ingen cashback men 0 kr i alla avgifter = bra om du har sparande hos Northmill<\/li>\n<li><strong>Vinnare:<\/strong> Collector Easyliving (om utlandsspending \u00e4r 10 000+ kr\/\u00e5r)<\/li>\n<\/ul>\n<\/div>\n<div class=\"skk-tips\">\n<p class=\"skk-tips-rubrik\">R\u00e4kneexempel 3: Bil\u00e4gare som reser ibland (1 000 mil\/\u00e5r + 3 utlandsresor\/\u00e5r)<\/p>\n<p>Drivmedel 750 L\/\u00e5r hos OKQ8 (15 000 kr) + 8 000 kr i utl\u00e4ndsk valuta + 4 000 kr\/m\u00e5nad \u00f6vrigt.<\/p>\n<ul>\n<li><strong>OKQ8 Visa:<\/strong> 750 \u00d7 0,25 = 187 kr drivmedel + 60 000 \u00d7 0,006 = 360 kr \u00f6vrigt = <strong>547 kr\/\u00e5r<\/strong><\/li>\n<li><strong>Bank Norwegian Visa:<\/strong> 63 000 \u00d7 0,5 % &#8211; 8 000 \u00d7 1,99 % = 315 &#8211; 159 = <strong>156 kr\/\u00e5r<\/strong><\/li>\n<li><strong>Vinnare:<\/strong> OKQ8 Visa, eller ha b\u00e5de OKQ8 Visa (bilen) + Collector Easyliving (resorna)<\/li>\n<\/ul>\n<\/div>\n<h2>Beslutsguide: vilket Visa ska du v\u00e4lja?<\/h2>\n<h3>Om du vill ha enkelt vardagskort med cashback<\/h3>\n<p><strong>Bank Norwegian Visa<\/strong>. 0 kr avgift, 0,5 % p\u00e5 alla k\u00f6p, fungerar \u00f6verallt. Bara v\u00e4lj annat om du handlar mycket utomlands.<\/p>\n<h3>Om du tankar regelbundet p\u00e5 OKQ8<\/h3>\n<p><a href=\"\/okq8-kreditkort\/\"><strong>OKQ8 Visa<\/strong><\/a>. 25 \u00f6re\/L bemannade + 2 % cashback OKQ8 + 0,3\u20130,6 % \u00f6vrigt + l\u00e5g r\u00e4nta 14,95 %.<\/p>\n<h3>Om du reser och handlar mycket utomlands<\/h3>\n<p><a href=\"\/collector-easyliving\/\"><strong>Collector Easyliving<\/strong><\/a>. 0 % valutap\u00e5slag + 56 dagar r\u00e4ntefritt + bra f\u00f6rs\u00e4kringar. 195 kr\/\u00e5r (gratis \u00e5r 1) g\u00e5r runt vid 10 000+ kr i utl\u00e4ndska k\u00f6p.<\/p>\n<h3>Om du vill helt undvika r\u00e4ntor och avgifter<\/h3>\n<p><strong>Northmill Visa<\/strong>. Debetkort = ingen risk f\u00f6r r\u00e4ntef\u00e4lla. 0 kr i alla avgifter, \u00e4ven utomlands. 1 % sparr\u00e4nta p\u00e5 ins\u00e4ttning.<\/p>\n<h3>Om du beh\u00f6ver kontanter utanf\u00f6r EU\/EES<\/h3>\n<p><strong>FOREX Kreditkort<\/strong>. Enda kortet med 0 kr uttagsavgift utanf\u00f6r EU\/EES. Plus 40 \u00f6re\/L Preem och 0 % valutap\u00e5slag.<\/p>\n<h3>Om du vill undvika UC-fr\u00e5ga<\/h3>\n<p><strong>Bank Norwegian Visa<\/strong> eller <strong>GF Card<\/strong>. B\u00e5da anv\u00e4nder Creditsafe ist\u00e4llet f\u00f6r UC. Bank Norwegian har b\u00e4ttre helhetspaket.<\/p>\n<h2>Vanliga fr\u00e5gor om Visa kreditkort<\/h2>\n<div class=\"skk-faq\">\n<h3>Vilket \u00e4r b\u00e4sta Visa-kreditkortet 2026?<\/h3>\n<p>Bank Norwegian Visa f\u00f6r de flesta (4,3\/5) \u2013 0 kr \u00e5rsavgift, 0,5 % CashPoints. F\u00f6r drivmedel: OKQ8 Visa. F\u00f6r utlandsresor: Collector Easyliving (0 % valutap\u00e5slag). B\u00e4sta debetkort: Northmill Visa.<\/p>\n<h3>\u00c4r Visa b\u00e4ttre \u00e4n Mastercard?<\/h3>\n<p>Liten skillnad f\u00f6r konsumenten. B\u00e5da accepteras i 200+ l\u00e4nder. Visa har n\u00e5got starkare n\u00e4rvaro i USA, Mastercard i Europa. I Sverige n\u00e4stan identisk acceptans.<\/p>\n<h3>Vad \u00e4r skillnaden mellan Visa Debit och Visa Credit?<\/h3>\n<p>Visa Debit (debetkort) \u00e4r kopplat till bankkonto och drar pengar direkt. Visa Credit (kreditkort) ger kredit och r\u00e4ntefri period. Northmill Visa \u00e4r Debit. Bank Norwegian Visa \u00e4r Credit.<\/p>\n<h3>Har Bank Norwegian Visa 0 % valutap\u00e5slag?<\/h3>\n<p>Nej, inte l\u00e4ngre. Sedan 2026 \u00e4r valutap\u00e5slaget 1,99 %. Tidigare hade kortet 0 % men det h\u00f6jdes. F\u00f6r utlandsk\u00f6p \u00e4r Collector Easyliving (0 %) eller Northmill Visa (0 %) b\u00e4ttre.<\/p>\n<h3>Kan jag anv\u00e4nda Visa i USA?<\/h3>\n<p>Ja, Visa accepteras n\u00e4stan \u00f6verallt i USA. Visa har historiskt sett starkare n\u00e4rvaro i USA \u00e4n Mastercard. Praktiska tips: 0 % valutap\u00e5slag (Collector eller Northmill) sparar 2 % per k\u00f6p.<\/p>\n<h3>Vilket Visa-kort har 0 kr uttagsavgift?<\/h3>\n<p>Bank Norwegian Visa har 0 kr uttagsavgift fr\u00e5n utgivaren globalt. Northmill Visa har 0 kr uttagsavgift \u00e4ven utomlands. FOREX Kreditkort har 0 kr uttagsavgift utanf\u00f6r EU\/EES.<\/p>\n<h3>Vilken kreditupplysning g\u00f6r Bank Norwegian?<\/h3>\n<p>Creditsafe, inte UC. Detta betyder att en ans\u00f6kan inte ger en UC-fr\u00e5ga p\u00e5 ditt kreditregister \u2013 mindre p\u00e5verkan p\u00e5 din kreditv\u00e4rdighet j\u00e4mf\u00f6rt med kort som anv\u00e4nder UC.<\/p>\n<h3>Kan jag ha b\u00e5de Visa och Mastercard?<\/h3>\n<p>Ja, m\u00e5nga har b\u00e5da. Strategi: ha Visa f\u00f6r USA\/internationell acceptans + Mastercard f\u00f6r Europa. Eller helt enkelt tv\u00e5 gratiskort med olika f\u00f6rm\u00e5ner (Bank Norwegian Visa + Re:member Flex Mastercard).<\/p>\n<h3>Vad h\u00e4nder om jag inte betalar hela fakturan p\u00e5 Bank Norwegian Visa?<\/h3>\n<p>26,90 % nominell r\u00e4nta b\u00f6rjar l\u00f6pa retroaktivt fr\u00e5n k\u00f6pdatum p\u00e5 allt utest\u00e5ende. Detta \u00e4r h\u00f6gt \u2013 ett av f\u00e5 Visa-kort d\u00e4r delbetalning \u00e4r klart oekonomiskt. Betala alltid hela fakturan i tid om m\u00f6jligt.<\/p>\n<h3>\u00c4r Northmill Visa ett debetkort eller kreditkort?<\/h3>\n<p>Debetkort som standard. Du s\u00e4tter in pengar i f\u00f6rv\u00e4g och drar fr\u00e5n saldot. Men kan kopplas till en frivillig kontokredit f\u00f6r att fungera mer som kreditkort.<\/p>\n<h3>Vilket Visa-kort har l\u00e4ngst r\u00e4ntefri period?<\/h3>\n<p>Collector Easyliving med upp till 56 dagar. Sedan Bank Norwegian Visa och OKQ8 Visa med 45 dagar. Northmill Visa har ingen kredit i debetform.<\/p>\n<h3>Kan jag anv\u00e4nda Visa i Apple Pay och Google Pay?<\/h3>\n<p>Ja, de flesta svenska Visa-kort fungerar med Apple Pay och Google Pay. L\u00e4gg till kortet i mobilens pl\u00e5nbok.<\/p>\n<h3>Vad \u00e4r b\u00e4sta Visa-kortet f\u00f6r studenter?<\/h3>\n<p>Northmill Visa (debetkort, ingen kreditrisk) eller Bank Norwegian Visa (l\u00e4gre inkomstkrav \u00e4n bankkort). B\u00e5da \u00e4r gratis och fungerar bra f\u00f6r studenter med begr\u00e4nsad ekonomi.<\/p>\n<\/div>\n<div class=\"skk-internlankar\">\n<h3>L\u00e4s vidare<\/h3>\n<ul>\n<li><a href=\"\/okq8-kreditkort\/\">OKQ8 Visa \u2013 full recension<\/a><\/li>\n<li><a href=\"\/collector-easyliving\/\">Collector Easyliving \u2013 full recension<\/a><\/li>\n<li><a href=\"\/basta-mastercard-kreditkortet\/\">B\u00e4sta Mastercard-kreditkortet \u2013 j\u00e4mf\u00f6relse<\/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 Visa kreditkort 2026\",\"numberOfItems\":6,\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"item\":{\"@type\":\"Product\",\"name\":\"Bank Norwegian Visa\",\"aggregateRating\":{\"@type\":\"AggregateRating\",\"ratingValue\":\"4.3\",\"bestRating\":\"5\"}}},{\"@type\":\"ListItem\",\"position\":2,\"item\":{\"@type\":\"Product\",\"name\":\"OKQ8 Visa\",\"url\":\"https:\/\/skaffakreditkort.se\/okq8-kreditkort\/\",\"aggregateRating\":{\"@type\":\"AggregateRating\",\"ratingValue\":\"4.3\",\"bestRating\":\"5\"}}},{\"@type\":\"ListItem\",\"position\":3,\"item\":{\"@type\":\"Product\",\"name\":\"Collector Easyliving\",\"url\":\"https:\/\/skaffakreditkort.se\/collector-easyliving\/\",\"aggregateRating\":{\"@type\":\"AggregateRating\",\"ratingValue\":\"4.2\",\"bestRating\":\"5\"}}},{\"@type\":\"ListItem\",\"position\":4,\"item\":{\"@type\":\"Product\",\"name\":\"Northmill Visa\",\"aggregateRating\":{\"@type\":\"AggregateRating\",\"ratingValue\":\"4.2\",\"bestRating\":\"5\"}}},{\"@type\":\"ListItem\",\"position\":5,\"item\":{\"@type\":\"Product\",\"name\":\"FOREX Kreditkort\",\"aggregateRating\":{\"@type\":\"AggregateRating\",\"ratingValue\":\"3.9\",\"bestRating\":\"5\"}}},{\"@type\":\"ListItem\",\"position\":6,\"item\":{\"@type\":\"Product\",\"name\":\"GF Card\",\"aggregateRating\":{\"@type\":\"AggregateRating\",\"ratingValue\":\"3.7\",\"bestRating\":\"5\"}}}]}\n<\/script><\/p>\n<p><script type=\"application\/ld+json\">\n{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Vilket \u00e4r b\u00e4sta Visa-kreditkortet 2026?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Bank Norwegian Visa f\u00f6r de flesta - 0 kr \u00e5rsavgift, 0,5 procent CashPoints. F\u00f6r drivmedel: OKQ8 Visa. F\u00f6r utlandsresor: Collector Easyliving (0 procent valutap\u00e5slag).\"}},{\"@type\":\"Question\",\"name\":\"\u00c4r Visa b\u00e4ttre \u00e4n Mastercard?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Liten skillnad f\u00f6r konsumenten. B\u00e5da accepteras i 200+ l\u00e4nder. Visa starkare i USA, Mastercard i Europa.\"}},{\"@type\":\"Question\",\"name\":\"Vad \u00e4r skillnaden mellan Visa Debit och Visa Credit?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Visa Debit \u00e4r debetkort kopplat till bankkonto. Visa Credit \u00e4r kreditkort med kredit och r\u00e4ntefri period. Northmill \u00e4r Debit, Bank Norwegian \u00e4r Credit.\"}},{\"@type\":\"Question\",\"name\":\"Har Bank Norwegian Visa 0 procent valutap\u00e5slag?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Nej, inte l\u00e4ngre. Sedan 2026 \u00e4r valutap\u00e5slaget 1,99 procent. F\u00f6r utlandsk\u00f6p \u00e4r Collector Easyliving eller Northmill Visa b\u00e4ttre.\"}},{\"@type\":\"Question\",\"name\":\"Kan jag anv\u00e4nda Visa i USA?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Ja, Visa accepteras n\u00e4stan \u00f6verallt i USA. Visa har historiskt starkare n\u00e4rvaro d\u00e4r \u00e4n Mastercard.\"}},{\"@type\":\"Question\",\"name\":\"Vilket Visa-kort har 0 kr uttagsavgift?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Bank Norwegian Visa och Northmill Visa har 0 kr uttagsavgift globalt. FOREX Kreditkort har 0 kr utanf\u00f6r EU\/EES.\"}},{\"@type\":\"Question\",\"name\":\"Vilken kreditupplysning g\u00f6r Bank Norwegian?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Creditsafe, inte UC. Detta betyder mindre p\u00e5verkan p\u00e5 kreditv\u00e4rdighet j\u00e4mf\u00f6rt med kort som anv\u00e4nder UC.\"}},{\"@type\":\"Question\",\"name\":\"Kan jag ha b\u00e5de Visa och Mastercard?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Ja, m\u00e5nga har b\u00e5da. Vanlig strategi: Visa f\u00f6r USA\/internationell acceptans plus Mastercard f\u00f6r Europa.\"}},{\"@type\":\"Question\",\"name\":\"Vad h\u00e4nder om jag inte betalar hela fakturan p\u00e5 Bank Norwegian Visa?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"26,90 procent nominell r\u00e4nta l\u00f6per retroaktivt fr\u00e5n k\u00f6pdatum. H\u00f6gt - delbetalning oekonomiskt.\"}},{\"@type\":\"Question\",\"name\":\"\u00c4r Northmill Visa ett debetkort eller kreditkort?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Debetkort som standard. Kan kopplas till frivillig kontokredit f\u00f6r att fungera som kreditkort.\"}},{\"@type\":\"Question\",\"name\":\"Vilket Visa-kort har l\u00e4ngst r\u00e4ntefri period?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Collector Easyliving med upp till 56 dagar. Bank Norwegian Visa och OKQ8 Visa har 45 dagar.\"}},{\"@type\":\"Question\",\"name\":\"Kan jag anv\u00e4nda Visa i Apple Pay och Google Pay?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Ja, de flesta svenska Visa-kort fungerar med Apple Pay och Google Pay.\"}},{\"@type\":\"Question\",\"name\":\"Vad \u00e4r b\u00e4sta Visa-kortet f\u00f6r studenter?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Northmill Visa (debetkort) eller Bank Norwegian Visa (l\u00e4gre inkomstkrav). B\u00e5da \u00e4r gratis.\"}}]}\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>V\u00e5rt val 2026: Bank Norwegian Visa F\u00f6r de flesta \u00e4r Bank Norwegian Visa (4,3\/5) b\u00e4sta Visa-valet: 0 kr \u00e5rsavgift, 0,5 % CashPoints p\u00e5 alla k\u00f6p, 0 kr uttagsavgift utomlands och 45 dagar r\u00e4ntefri kredit. F\u00f6r<\/p>","protected":false},"author":5,"featured_media":1057,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"template-fullwidth.php","meta":{"_yoast_wpseo_focuskw":"b\u00e4sta visa kreditkortet","_yoast_wpseo_title":"B\u00e4sta Visa kreditkort [year]: Topplistan","_yoast_wpseo_metadesc":"Vilket \u00e4r b\u00e4sta Visa-kreditkortet [year]? Vi har j\u00e4mf\u00f6rt alla svenska Visa \u2013 Bank Norwegian, Northmill, OKQ8, Collector.","_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":["b\u00e4sta visa kreditkortet","visa kreditkort","b\u00e4sta visa","visa kort sverige","bank norwegian visa","northmill visa"]},"class_list":["post-183","page","type-page","status-publish","has-post-thumbnail","hentry"],"ilj_keywords":["b\u00e4sta visa kreditkortet","visa kreditkort","b\u00e4sta visa","visa kort sverige","bank norwegian visa","northmill visa"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>B\u00e4sta Visa kreditkort 2026: Topplistan<\/title>\n<meta name=\"description\" content=\"Vilket \u00e4r b\u00e4sta Visa-kreditkortet 2026? Vi har j\u00e4mf\u00f6rt alla svenska Visa \u2013 Bank Norwegian, Northmill, OKQ8, Collector.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/skaffakreditkort.se\/en\/basta-visa-kreditkortet\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"B\u00e4sta Visa kreditkort 2026: Topplistan\" \/>\n<meta property=\"og:description\" content=\"Vilket \u00e4r b\u00e4sta Visa-kreditkortet 2026? Vi har j\u00e4mf\u00f6rt alla svenska Visa \u2013 Bank Norwegian, Northmill, OKQ8, Collector.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/skaffakreditkort.se\/en\/basta-visa-kreditkortet\/\" \/>\n<meta property=\"og:site_name\" content=\"Skaffa kreditkort\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-25T19:19:51+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/skaffakreditkort.se\/wp-content\/uploads\/2026\/05\/kreditkortet-visa-basta.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/skaffakreditkort.se\\\/basta-visa-kreditkortet\\\/\",\"url\":\"https:\\\/\\\/skaffakreditkort.se\\\/basta-visa-kreditkortet\\\/\",\"name\":\"B\u00e4sta Visa kreditkort 2026: Topplistan\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/skaffakreditkort.se\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/skaffakreditkort.se\\\/basta-visa-kreditkortet\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/skaffakreditkort.se\\\/basta-visa-kreditkortet\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/skaffakreditkort.se\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/kreditkortet-visa-basta.webp\",\"datePublished\":\"2019-12-08T17:50:24+00:00\",\"dateModified\":\"2026-05-25T19:19:51+00:00\",\"description\":\"Vilket \u00e4r b\u00e4sta Visa-kreditkortet [year]? Vi har j\u00e4mf\u00f6rt alla svenska Visa \u2013 Bank Norwegian, Northmill, OKQ8, Collector.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/skaffakreditkort.se\\\/basta-visa-kreditkortet\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/skaffakreditkort.se\\\/basta-visa-kreditkortet\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/skaffakreditkort.se\\\/basta-visa-kreditkortet\\\/#primaryimage\",\"url\":\"https:\\\/\\\/skaffakreditkort.se\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/kreditkortet-visa-basta.webp\",\"contentUrl\":\"https:\\\/\\\/skaffakreditkort.se\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/kreditkortet-visa-basta.webp\",\"width\":1200,\"height\":630,\"caption\":\"B\u00e4sta Visa kreditkort j\u00e4mf\u00f6relse 2026\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/skaffakreditkort.se\\\/basta-visa-kreditkortet\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Hem\",\"item\":\"https:\\\/\\\/skaffakreditkort.se\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"B\u00e4sta Visa kreditkort 2026: Topplistan\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/skaffakreditkort.se\\\/#website\",\"url\":\"https:\\\/\\\/skaffakreditkort.se\\\/\",\"name\":\"Skaffa kreditkort\",\"description\":\"J\u00e4mf\u00f6r kreditkort och hitta det b\u00e4sta kreditkortet f\u00f6r dig\",\"publisher\":{\"@id\":\"https:\\\/\\\/skaffakreditkort.se\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/skaffakreditkort.se\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/skaffakreditkort.se\\\/#organization\",\"name\":\"Skaffa kreditkort\",\"url\":\"https:\\\/\\\/skaffakreditkort.se\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/skaffakreditkort.se\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/skaffakreditkort.se\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/skaffa-kreditkort-logo-300.webp\",\"contentUrl\":\"https:\\\/\\\/skaffakreditkort.se\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/skaffa-kreditkort-logo-300.webp\",\"width\":300,\"height\":97,\"caption\":\"Skaffa kreditkort\"},\"image\":{\"@id\":\"https:\\\/\\\/skaffakreditkort.se\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"B\u00e4sta Visa kreditkort 2026: Topplistan","description":"Vilket \u00e4r b\u00e4sta Visa-kreditkortet 2026? Vi har j\u00e4mf\u00f6rt alla svenska Visa \u2013 Bank Norwegian, Northmill, OKQ8, Collector.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/skaffakreditkort.se\/en\/basta-visa-kreditkortet\/","og_locale":"en_US","og_type":"article","og_title":"B\u00e4sta Visa kreditkort 2026: Topplistan","og_description":"Vilket \u00e4r b\u00e4sta Visa-kreditkortet 2026? Vi har j\u00e4mf\u00f6rt alla svenska Visa \u2013 Bank Norwegian, Northmill, OKQ8, Collector.","og_url":"https:\/\/skaffakreditkort.se\/en\/basta-visa-kreditkortet\/","og_site_name":"Skaffa kreditkort","article_modified_time":"2026-05-25T19:19:51+00:00","og_image":[{"width":1200,"height":630,"url":"https:\/\/skaffakreditkort.se\/wp-content\/uploads\/2026\/05\/kreditkortet-visa-basta.webp","type":"image\/webp"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/skaffakreditkort.se\/basta-visa-kreditkortet\/","url":"https:\/\/skaffakreditkort.se\/basta-visa-kreditkortet\/","name":"B\u00e4sta Visa kreditkort 2026: Topplistan","isPartOf":{"@id":"https:\/\/skaffakreditkort.se\/#website"},"primaryImageOfPage":{"@id":"https:\/\/skaffakreditkort.se\/basta-visa-kreditkortet\/#primaryimage"},"image":{"@id":"https:\/\/skaffakreditkort.se\/basta-visa-kreditkortet\/#primaryimage"},"thumbnailUrl":"https:\/\/skaffakreditkort.se\/wp-content\/uploads\/2026\/05\/kreditkortet-visa-basta.webp","datePublished":"2019-12-08T17:50:24+00:00","dateModified":"2026-05-25T19:19:51+00:00","description":"Vilket \u00e4r b\u00e4sta Visa-kreditkortet [year]? Vi har j\u00e4mf\u00f6rt alla svenska Visa \u2013 Bank Norwegian, Northmill, OKQ8, Collector.","breadcrumb":{"@id":"https:\/\/skaffakreditkort.se\/basta-visa-kreditkortet\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/skaffakreditkort.se\/basta-visa-kreditkortet\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/skaffakreditkort.se\/basta-visa-kreditkortet\/#primaryimage","url":"https:\/\/skaffakreditkort.se\/wp-content\/uploads\/2026\/05\/kreditkortet-visa-basta.webp","contentUrl":"https:\/\/skaffakreditkort.se\/wp-content\/uploads\/2026\/05\/kreditkortet-visa-basta.webp","width":1200,"height":630,"caption":"B\u00e4sta Visa kreditkort j\u00e4mf\u00f6relse 2026"},{"@type":"BreadcrumbList","@id":"https:\/\/skaffakreditkort.se\/basta-visa-kreditkortet\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Hem","item":"https:\/\/skaffakreditkort.se\/"},{"@type":"ListItem","position":2,"name":"B\u00e4sta Visa kreditkort 2026: Topplistan"}]},{"@type":"WebSite","@id":"https:\/\/skaffakreditkort.se\/#website","url":"https:\/\/skaffakreditkort.se\/","name":"Skaffa kreditkort","description":"J\u00e4mf\u00f6r kreditkort och hitta det b\u00e4sta kreditkortet f\u00f6r dig","publisher":{"@id":"https:\/\/skaffakreditkort.se\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/skaffakreditkort.se\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/skaffakreditkort.se\/#organization","name":"Skaffa kreditkort","url":"https:\/\/skaffakreditkort.se\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/skaffakreditkort.se\/#\/schema\/logo\/image\/","url":"https:\/\/skaffakreditkort.se\/wp-content\/uploads\/2026\/05\/skaffa-kreditkort-logo-300.webp","contentUrl":"https:\/\/skaffakreditkort.se\/wp-content\/uploads\/2026\/05\/skaffa-kreditkort-logo-300.webp","width":300,"height":97,"caption":"Skaffa kreditkort"},"image":{"@id":"https:\/\/skaffakreditkort.se\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/skaffakreditkort.se\/en\/wp-json\/wp\/v2\/pages\/183","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/skaffakreditkort.se\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/skaffakreditkort.se\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/skaffakreditkort.se\/en\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/skaffakreditkort.se\/en\/wp-json\/wp\/v2\/comments?post=183"}],"version-history":[{"count":12,"href":"https:\/\/skaffakreditkort.se\/en\/wp-json\/wp\/v2\/pages\/183\/revisions"}],"predecessor-version":[{"id":1123,"href":"https:\/\/skaffakreditkort.se\/en\/wp-json\/wp\/v2\/pages\/183\/revisions\/1123"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/skaffakreditkort.se\/en\/wp-json\/wp\/v2\/media\/1057"}],"wp:attachment":[{"href":"https:\/\/skaffakreditkort.se\/en\/wp-json\/wp\/v2\/media?parent=183"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}