{"id":490,"date":"2020-10-25T13:07:18","date_gmt":"2020-10-25T12:07:18","guid":{"rendered":"https:\/\/skaffakreditkort.se\/?page_id=490"},"modified":"2026-05-25T21:19:52","modified_gmt":"2026-05-25T19:19:52","slug":"kreditkort-med-cashback","status":"publish","type":"page","link":"https:\/\/skaffakreditkort.se\/en\/kreditkort-med-cashback\/","title":{"rendered":"Kreditkort med cashback 2026: Riktiga pengar tillbaka"},"content":{"rendered":"<p class=\"skk-fakta\">\n<strong style=\"display:block;margin-bottom:4px;color:#0f1a2a;\">V\u00e5r topplista \u2013 b\u00e4sta cashback-kort 2026<\/strong><br \/>\n1. <strong>Northmill Visa<\/strong> \u2013 0,5 % p\u00e5 allt utan \u00e5rsavgift (4,0\/5)<br \/>\n2. <strong>American Express Cashback Standard<\/strong> \u2013 0,75\u20131,5 % stigande (3,8\/5)<br \/>\n3. <strong>Bank Norwegian Visa<\/strong> \u2013 0,5 % CashPoints + 3\u20135 % flyg (4,1\/5)<br \/>\n4. <strong>Avanza Bank-kortet<\/strong> \u2013 0,25 % p\u00e5 allt, kr\u00e4ver Avanza-kund (3,5\/5)<br \/>\nRenodlade cashback-kort i Sverige \u00e4r f\u00e5. M\u00e5nga kort marknadsf\u00f6rda som &#8221;cashback&#8221; ger faktiskt po\u00e4ng eller v\u00e4rdecheckar \u2013 vi reder ut skillnaden 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>Vad \u00e4r cashback: och hur skiljer det sig fr\u00e5n bonus?<\/h2>\n<p>Det \u00e4r en distinktion m\u00e5nga kortutgivare blandar ihop, men den \u00e4r viktig f\u00f6r dig som vill veta vad du faktiskt f\u00e5r tillbaka:<\/p>\n<ul class=\"skk-fordelar\">\n<li><strong>Cashback<\/strong> = en procentuell del av ditt k\u00f6p \u00e5terbetalas som <em>pengar<\/em> till ditt konto eller p\u00e5 n\u00e4sta kortfaktura. Du kan anv\u00e4nda dem var som helst \u2013 som rabatt p\u00e5 alla framtida k\u00f6p.<\/li>\n<li><strong>Bonuspo\u00e4ng<\/strong> = du samlar po\u00e4ng som kan anv\u00e4ndas i kortutgivarens po\u00e4ngbutik. Binder dig till specifika produkter d\u00e4r priserna ofta \u00e4r h\u00f6gre \u00e4n fri marknad.<\/li>\n<li><strong>V\u00e4rdecheckar<\/strong> = checkar du bara kan anv\u00e4nda hos en specifik butikskedja (t.ex. Coop). 1:1 i v\u00e4rde inom kedjan men 0:1 utanf\u00f6r.<\/li>\n<\/ul>\n<p>Cashback \u00e4r typiskt 10\u201330 % mer v\u00e4rt \u00e4n motsvarande bonuspo\u00e4ng. Detta beror p\u00e5 att po\u00e4ng oftast m\u00e5ste anv\u00e4ndas i en po\u00e4ngbutik d\u00e4r varorna \u00e4r dyrare \u00e4n hos vanliga handlare. Cashback i riktiga pengar har ingen s\u00e5dan &#8221;v\u00e4xelf\u00f6rlust&#8221;.<\/p>\n<h2>Topplistan: renodlade cashback-kreditkort i Sverige<\/h2>\n<table>\n<thead>\n<tr>\n<th>#<\/th>\n<th>Kort<\/th>\n<th>Cashback<\/th>\n<th>\u00c5rsavgift<\/th>\n<th>Utbetalning<\/th>\n<th>Betyg<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1<\/td>\n<td>Northmill Visa<\/td>\n<td>0,5 % p\u00e5 alla k\u00f6p<\/td>\n<td>0 kr<\/td>\n<td>M\u00e5nadsvis till konto<\/td>\n<td>4,0\/5<\/td>\n<\/tr>\n<tr>\n<td>2<\/td>\n<td>American Express Cashback Standard<\/td>\n<td>0,75 % (1,5 % efter 25 000 kr\/\u00e5r)<\/td>\n<td>495 kr<\/td>\n<td>\u00c5rsvis avdrag p\u00e5 faktura<\/td>\n<td>3,8\/5<\/td>\n<\/tr>\n<tr>\n<td>3<\/td>\n<td>Bank Norwegian Visa<\/td>\n<td>0,5 % CashPoints + 3\u20135 % flyg<\/td>\n<td>0 kr<\/td>\n<td>Kvartalsvis<\/td>\n<td>4,1\/5<\/td>\n<\/tr>\n<tr>\n<td>4<\/td>\n<td>Avanza Bank-kortet<\/td>\n<td>0,25 % p\u00e5 allt<\/td>\n<td>0 kr<\/td>\n<td>M\u00e5nadsvis till Avanza-konto<\/td>\n<td>3,5\/5<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Den svenska marknaden har <strong>f\u00e5 renodlade cashback-kort<\/strong> j\u00e4mf\u00f6rt med t.ex. USA d\u00e4r 1,5\u20132 % standardcashback \u00e4r vanligt. De svenska akt\u00f6rerna ligger n\u00e4ra 0,5 % vilket \u00e4r l\u00e5gt internationellt sett. F\u00f6r att kompensera detta kan h\u00f6gkonsumenter v\u00e4lja American Express Cashback Standard som ger 1,5 % efter 25 000 kr\/\u00e5r i kortkonsumtion.<\/p>\n<h2>V\u00e5rt val: Northmill Visa (4,0\/5)<\/h2>\n<p>F\u00f6r de allra flesta \u00e4r <strong>Northmill Visa<\/strong> det starkaste cashback-valet p\u00e5 den svenska marknaden. Det \u00e4r ett bankkort (debetkort) men har valbar kontokredit, vilket g\u00f6r det funktionellt liknande ett kreditkort. Det ger 0,5 % cashback p\u00e5 alla k\u00f6p utan undantag och utbetalas m\u00e5nadsvis i riktiga pengar till ditt konto. Inga \u00e5rsavgifter, inga kategoribegr\u00e4nsningar, ingen po\u00e4ngbutik. Cashback \u00e4r cashback.<\/p>\n<table class=\"skk-snabbfakta\">\n<tr>\n<th>\u00c5rsavgift<\/th>\n<td>0 kr<\/td>\n<\/tr>\n<tr>\n<th>Cashback<\/th>\n<td>0,5 % p\u00e5 alla k\u00f6p<\/td>\n<\/tr>\n<tr>\n<th>Valutap\u00e5slag<\/th>\n<td>0 %<\/td>\n<\/tr>\n<tr>\n<th>Kortet \u00e4r<\/th>\n<td>Bankkort med valbar kontokredit<\/td>\n<\/tr>\n<tr>\n<th>Apple Pay \/ Google Pay<\/th>\n<td>Ja<\/td>\n<\/tr>\n<tr>\n<th>Utbetalning av cashback<\/th>\n<td>M\u00e5nadsvis till konto<\/td>\n<\/tr>\n<tr>\n<th>Kreditgr\u00e4ns (med kontokredit)<\/th>\n<td>Upp till 50 000 kr<\/td>\n<\/tr>\n<tr>\n<th>Upplysningsbolag<\/th>\n<td>Bisnode (vid aktiverad kontokredit)<\/td>\n<\/tr>\n<\/table>\n<div class=\"skk-proscons\">\n<div class=\"skk-pros\">\n<h4>Northmill Visas f\u00f6rdelar<\/h4>\n<ul>\n<li>0,5 % cashback p\u00e5 alla k\u00f6p i riktiga pengar<\/li>\n<li>Helt avgiftsfritt<\/li>\n<li>0 % valutap\u00e5slag p\u00e5 utl\u00e4ndska k\u00f6p<\/li>\n<li>M\u00e5nadsvis utbetalning<\/li>\n<li>Inga kategoribegr\u00e4nsningar<\/li>\n<li>Apple Pay, Google Pay<\/li>\n<li>Anv\u00e4nder Bisnode (inte UC) vid kontokredit<\/li>\n<\/ul>\n<\/div>\n<div class=\"skk-cons\">\n<h4>Northmill Visas nackdelar<\/h4>\n<ul>\n<li>Bankkort, inte traditionellt kreditkort (ingen r\u00e4ntefri period p\u00e5 grundkortet)<\/li>\n<li>Begr\u00e4nsad f\u00f6rs\u00e4kring j\u00e4mf\u00f6rt med kreditkort<\/li>\n<li>L\u00e4gre kreditgr\u00e4ns \u00e4n vissa konkurrenter<\/li>\n<li>Inget k\u00f6pskydd eller f\u00f6rl\u00e4ngd garanti<\/li>\n<li>Inget bonusprogram ut\u00f6ver cashback<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<h2>Vilket \u00e4r v\u00e4rt mest: cashback eller kategoribonus?<\/h2>\n<p>Ett vanligt val \u00e4r mellan ett <em>cashback-kort<\/em> (0,5 % p\u00e5 allt) eller ett <em>kategoribonuskort<\/em> (1,5 % p\u00e5 en specifik kedja, l\u00e4gre p\u00e5 \u00f6vrigt). Svaret beror helt p\u00e5 din konsumtion:<\/p>\n<div class=\"skk-tips\">\n<p class=\"skk-tips-rubrik\">R\u00e4kneexempel 1: N\u00e4r vinner cashback-kort?<\/p>\n<p>Konsumtion: 5 000 kr\/m\u00e5n mat (utspritt \u00f6ver 3 olika kedjor), 9 000 kr\/m\u00e5n \u00f6vrig konsumtion.<\/p>\n<ul>\n<li><strong>Northmill Visa (0,5 % p\u00e5 allt):<\/strong> 14 000 \u00d7 0,005 \u00d7 12 = <strong>840 kr\/\u00e5r<\/strong><\/li>\n<li><strong>Coop Mastercard Mer (1,5 % Coop + 0,5 %):<\/strong> Om bara 1 500 kr\/m\u00e5n \u00e4r Coop: (1 500 \u00d7 0,015 + 12 500 \u00d7 0,005) \u00d7 12 = 1 020 kr\/\u00e5r. Minus 295 kr \u00e5rsavgift = <strong>725 kr\/\u00e5r<\/strong>.<\/li>\n<li><strong>Resultat:<\/strong> F\u00f6r utspridd matkonsumtion vinner Northmill Visa.<\/li>\n<\/ul>\n<\/div>\n<div class=\"skk-tips\">\n<p class=\"skk-tips-rubrik\">R\u00e4kneexempel 2: N\u00e4r vinner kategoribonus?<\/p>\n<p>Konsumtion: 6 500 kr\/m\u00e5n mat p\u00e5 Coop, 8 000 kr\/m\u00e5n \u00f6vrig konsumtion.<\/p>\n<ul>\n<li><strong>Northmill Visa:<\/strong> 14 500 \u00d7 0,005 \u00d7 12 = <strong>870 kr\/\u00e5r<\/strong><\/li>\n<li><strong>Coop Mastercard Mer:<\/strong> (6 500 \u00d7 0,015 + 8 000 \u00d7 0,005) \u00d7 12 = 1 560 kr\/\u00e5r. Minus 295 kr \u00e5rsavgift = <strong>1 265 kr\/\u00e5r<\/strong>.<\/li>\n<li><strong>Resultat:<\/strong> F\u00f6r Coop-trogen vinner Coop Mastercard.<\/li>\n<\/ul>\n<\/div>\n<h2>American Express Cashback Standard: mer cashback, h\u00f6gre tr\u00f6skel<\/h2>\n<p>F\u00f6r dig som har h\u00f6g kortkonsumtion (50 000+ kr\/\u00e5r) kan American Express Cashback Standard vara intressant. Kortet ger:<\/p>\n<table class=\"skk-snabbfakta\">\n<tr>\n<th>\u00c5rsavgift<\/th>\n<td>495 kr (gratis f\u00f6rsta \u00e5ret)<\/td>\n<\/tr>\n<tr>\n<th>Cashback grundniv\u00e5<\/th>\n<td>0,75 % p\u00e5 alla k\u00f6p<\/td>\n<\/tr>\n<tr>\n<th>Cashback efter 25 000 kr\/\u00e5r<\/th>\n<td>1,5 % p\u00e5 alla k\u00f6p<\/td>\n<\/tr>\n<tr>\n<th>Utbetalning<\/th>\n<td>\u00c5rsvis som avdrag p\u00e5 december-fakturan<\/td>\n<\/tr>\n<tr>\n<th>Valutap\u00e5slag<\/th>\n<td>0 %<\/td>\n<\/tr>\n<tr>\n<th>R\u00e4ntefri period<\/th>\n<td>30 dagar<\/td>\n<\/tr>\n<tr>\n<th>Acceptans i Sverige<\/th>\n<td>Cirka 80\u201390 % av handlare<\/td>\n<\/tr>\n<\/table>\n<p>F\u00f6r att kortet ska g\u00e5 runt ekonomiskt beh\u00f6ver du minst 66 000 kr\/\u00e5r i kortkonsumtion (495 \/ 0,0075 = 66 000 vid l\u00e4gsta cashback-niv\u00e5n). Vid 100 000 kr\/\u00e5r f\u00e5r du cirka 1 313 kr i cashback minus 495 kr avgift = 818 kr netto.<\/p>\n<p class=\"skk-warning\">\n<strong style=\"display:block;margin-bottom:4px;color:#92400e;\">Viktig begr\u00e4nsning f\u00f6r American Express<\/strong><br \/>\nAmerican Express accepteras i f\u00e4rre svenska butiker \u00e4n Mastercard\/Visa. R\u00e4kna med att 10\u201320 % av dina ink\u00f6p inte kan g\u00f6ras med kortet, vilket s\u00e4nker den effektiva totala cashback-niv\u00e5n. Mindre handlare och vissa restauranger tar inte emot Amex. Ha alltid ett Visa\/Mastercard som komplement.<\/p>\n<\/p>\n<h2>Bank Norwegian Visa: CashPoints med flexibel anv\u00e4ndning<\/h2>\n<p><strong>Bank Norwegian Visa<\/strong> ger 0,5 % CashPoints p\u00e5 alla k\u00f6p och 3\u20135 % p\u00e5 Norwegian-flyg. CashPoints kan anv\u00e4ndas p\u00e5 tv\u00e5 s\u00e4tt: v\u00e4xlas till cashback (1:1) eller till resor i Norwegian Reward-programmet. CashPoints utbetalas kvartalsvis och kan anv\u00e4ndas obegr\u00e4nsat tidsm\u00e4ssigt.<\/p>\n<p>Kortet \u00e4r helt avgiftsfritt med 0 % valutap\u00e5slag, vilket g\u00f6r det till ett av de mest m\u00e5ngsidiga gratiskorten p\u00e5 marknaden. Notera dock att den effektiva r\u00e4ntan \u00e4r h\u00f6g (24,36 % vid 10 000 kr i utest\u00e5ende kredit) \u2013 delbetala aldrig fakturan. Cashbacken har dessutom ett tak p\u00e5 500 kr\/\u00e5r (motsvarande 100 000 kr i kortkonsumtion); v\u00e4ljer du CashPoints ist\u00e4llet finns inget tak.<\/p>\n<h2>\u00c4r cashback-bonusen verkligen &#8221;gratis&#8221;?<\/h2>\n<p>En vanlig missuppfattning \u00e4r att cashback \u00e4r &#8221;gratis pengar&#8221;. Den \u00e4r inte gratis \u2013 den finansieras av:<\/p>\n<ol class=\"skk-steg\">\n<li><strong>K\u00f6pm\u00e4nnens transaktionsavgifter.<\/strong> Mastercard\/Visa tar 1\u20132,5 % av k\u00f6psumman fr\u00e5n butiken. Kortutgivaren f\u00e5r en del, vilket finansierar cashback-utbetalningar.<\/li>\n<li><strong>R\u00e4nteint\u00e4kter fr\u00e5n delbetalare.<\/strong> Kunder som inte betalar hela fakturan i tid betalar 18\u201322 % r\u00e4nta. Detta \u00e4r kortutgivarens prim\u00e4ra int\u00e4kt.<\/li>\n<li><strong>\u00c5rsavgifter<\/strong> (f\u00f6r kort som tar ut s\u00e5dana).<\/li>\n<\/ol>\n<p>Det betyder att cashback bara \u00e4r &#8221;vinst&#8221; f\u00f6r dig om du <strong>alltid betalar hela fakturan i tid<\/strong>. En enda m\u00e5nad med delbetalning till 20 % r\u00e4nta kan kosta mer \u00e4n ett \u00e5rs cashback.<\/p>\n<h2>Beskattas cashback?<\/h2>\n<p>Nej. Cashback fr\u00e5n kreditkort r\u00e4knas som rabatt p\u00e5 dina ink\u00f6p och \u00e4r inte skattepliktig inkomst enligt svensk skattelag. Du beh\u00f6ver inte deklarera cashback-belopp. Detta g\u00e4ller \u00e4ven om beloppen blir stora \u2013 en familj med 2 000 kr\/\u00e5r i cashback beh\u00f6ver inte rapportera det till Skatteverket.<\/p>\n<p class=\"skk-warning\">\n<strong style=\"display:block;margin-bottom:4px;color:#92400e;\">Representativt exempel<\/strong><br \/>\nF\u00f6r kreditkort med cashback p\u00e5 den h\u00e4r sidan: Vid en utnyttjad kredit p\u00e5 20 000 kr \u00e5terbetalt \u00f6ver 12 m\u00e5nader \u00e4r den genomsnittliga effektiva r\u00e4ntan 18\u201327 %. Det sammanlagda beloppet att betala tillbaka \u00e4r 21 500\u201323 000 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>Cashback eller resekort som komplement?<\/h2>\n<p>F\u00f6r dig som vill ha b\u00e5de cashback och 0 % valutap\u00e5slag (f\u00f6r utlandsresor) \u2013 kombinera tv\u00e5 kort:<\/p>\n<ul class=\"skk-fordelar\">\n<li><strong>Northmill Visa som huvudkort<\/strong> f\u00f6r svensk vardagskonsumtion (0,5 % cashback)<\/li>\n<li><strong><a href=\"\/collector-easyliving\/\">Collector Easyliving<\/a> f\u00f6r utlandsresor<\/strong> (0 % valutap\u00e5slag, brett f\u00f6rs\u00e4kringspaket)<\/li>\n<\/ul>\n<p>Total \u00e5rlig vinst av kombinationen \u00e4r ofta 1 000\u20132 000 kr j\u00e4mf\u00f6rt med ett enskilt &#8221;universalkort&#8221;.<\/p>\n<h2>Vanliga fr\u00e5gor om cashback-kort<\/h2>\n<div class=\"skk-faq\">\n<h3>N\u00e4r f\u00e5r jag min cashback?<\/h3>\n<p>Beror p\u00e5 kortet. Northmill krediterar m\u00e5nadsvis till kontot. American Express utbetalar \u00e5rsvis i december som avdrag p\u00e5 den \u00e5rets sista faktura. Bank Norwegian CashPoints kvartalsvis. Avanza Bank-kortet m\u00e5nadsvis till Avanza-kontot.<\/p>\n<h3>\u00c4r cashback b\u00e4ttre \u00e4n bonuspo\u00e4ng?<\/h3>\n<p>Generellt ja, eftersom cashback \u00e4r likvida pengar du kan anv\u00e4nda var som helst. Po\u00e4ng binder dig till en specifik po\u00e4ngbutik d\u00e4r priset ofta \u00e4r 10\u201330 % h\u00f6gre \u00e4n marknadspris. Undantag finns: SAS Eurobonus-po\u00e4ng vid f\u00f6retagsklass-resor kan ge betydligt h\u00f6gre v\u00e4rde \u00e4n motsvarande cashback.<\/p>\n<h3>Beskattas cashback?<\/h3>\n<p>Nej, cashback fr\u00e5n kreditkort r\u00e4knas som rabatt p\u00e5 ink\u00f6p och \u00e4r inte skattepliktig inkomst i Sverige. Detta g\u00e4ller oavsett belopp.<\/p>\n<h3>Finns det kreditkort med h\u00f6gre \u00e4n 1,5 % cashback i Sverige?<\/h3>\n<p>Nej, inte i ren cashback. Vissa kort har <em>kategoribonus<\/em> upp till 2\u20135 % (t.ex. drivmedel p\u00e5 OKQ8, mat p\u00e5 Coop), men inte j\u00e4mn cashback. P\u00e5 den amerikanska marknaden \u00e4r 2 % standardcashback vanligt, men s\u00e5dana kort finns inte tillg\u00e4ngliga f\u00f6r svenska konsumenter.<\/p>\n<h3>R\u00e4knas alla k\u00f6p f\u00f6r cashback?<\/h3>\n<p>Generellt ja, men kontantuttag, r\u00e4kningsbetalningar via app, casino och vissa myndighetsavgifter undantas. \u00c5terk\u00f6p\/\u00e5terbetalningar drar av motsvarande cashback. L\u00e4s villkoren f\u00f6r exakt lista.<\/p>\n<h3>F\u00e5r jag cashback retroaktivt om jag byter kort?<\/h3>\n<p>Nej, cashback samlas fr\u00e5n det datum du b\u00f6rjar anv\u00e4nda kortet och fram\u00e5t. F\u00f6reg\u00e5ende m\u00e5nads k\u00f6p innan kortet aktiverades ger ingen cashback.<\/p>\n<h3>Vad h\u00e4nder med utest\u00e5ende cashback om jag avslutar kortet?<\/h3>\n<p>Beror p\u00e5 kortet. Northmill betalar ut intj\u00e4nad men ej utbetald cashback vid avslut. American Express kr\u00e4ver att du anv\u00e4nt upp den vid avslut \u2013 outnyttjad cashback f\u00f6rfaller. Kontrollera alltid villkoren innan du avslutar.<\/p>\n<h3>\u00c4r cashback-kort b\u00e4ttre f\u00f6r sm\u00e5k\u00f6p eller stork\u00f6p?<\/h3>\n<p>Cashback \u00e4r proportionell, s\u00e5 samma procent g\u00e4ller oavsett storlek p\u00e5 k\u00f6pet. F\u00e5 svenska kort har minimitr\u00f6skel. F\u00f6r sm\u00e5k\u00f6p under 50 kr f\u00e5r du fortfarande full procentuell cashback.<\/p>\n<h3>Kan jag ha b\u00e5de Northmill och American Express?<\/h3>\n<p>Ja, det \u00e4r en vanlig strategi. Northmill f\u00f6r sm\u00e5k\u00f6p och vardagskonsumtion (alltid 0,5 %). American Express vid st\u00f6rre k\u00f6p d\u00e4r du n\u00e5r 1,5 %-tr\u00f6skeln. B\u00e5da korten kr\u00e4ver dock individuella ans\u00f6kningar med kreditupplysning.<\/p>\n<h3>Vad inneb\u00e4r &#8221;uppgraderad cashback&#8221;?<\/h3>\n<p>American Express anv\u00e4nder uttrycket f\u00f6r att markera att cashback-niv\u00e5n \u00f6kar (fr\u00e5n 0,75 till 1,5 %) n\u00e4r du n\u00e5tt 25 000 kr\/\u00e5r i kortkonsumtion. Tr\u00f6sklen \u00e5terst\u00e4lls varje kalender\u00e5r.<\/p>\n<\/div>\n<h2>V\u00e5r metod: s\u00e5 har vi rangordnat<\/h2>\n<p>Vi har granskat varje kort utifr\u00e5n fem dimensioner med fast vikt \u2013 samma metodik som f\u00f6r alla kreditkort p\u00e5 Skaffa kreditkort:<\/p>\n<table>\n<thead>\n<tr>\n<th>Dimension<\/th>\n<th>Vikt<\/th>\n<th>Vad vi bed\u00f6mer<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>R\u00e4nta och avgifter<\/td>\n<td>30 %<\/td>\n<td>Effektiv r\u00e4nta, \u00e5rsavgift, valutap\u00e5slag, uttagsavgift<\/td>\n<\/tr>\n<tr>\n<td>F\u00f6rm\u00e5ner och bonus<\/td>\n<td>25 %<\/td>\n<td>Realv\u00e4rde av cashback baserat p\u00e5 typisk konsumtion<\/td>\n<\/tr>\n<tr>\n<td>Flexibilitet och kredit<\/td>\n<td>20 %<\/td>\n<td>Maxkredit, r\u00e4ntefri period, delbetalningsm\u00f6jligheter<\/td>\n<\/tr>\n<tr>\n<td>Trygghet och f\u00f6rs\u00e4kring<\/td>\n<td>15 %<\/td>\n<td>Rese-, k\u00f6p-, pris- och garantiskydd<\/td>\n<\/tr>\n<tr>\n<td>Anv\u00e4ndarv\u00e4nlighet<\/td>\n<td>10 %<\/td>\n<td>App, kundtj\u00e4nst, mobilbetalning, ans\u00f6kan<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<div class=\"skk-internlankar\">\n<h3>L\u00e4s vidare<\/h3>\n<ul>\n<li><a href=\"\/kreditkort-med-bonus\/\">Alla bonuskort \u2013 inklusive po\u00e4ng och v\u00e4rdecheckar<\/a><\/li>\n<li><a href=\"\/coop-mastercard-mer\/\">Coop Mastercard Mer \u2013 kategoribonus med f\u00f6rs\u00e4kring<\/a><\/li>\n<li><a href=\"\/collector-easyliving\/\">Collector Easyliving \u2013 f\u00f6r utlandsresor<\/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 kreditkort med cashback 2026\",\"numberOfItems\":4,\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"item\":{\"@type\":\"Product\",\"name\":\"Northmill Visa\",\"aggregateRating\":{\"@type\":\"AggregateRating\",\"ratingValue\":\"4.0\",\"bestRating\":\"5\"}}},{\"@type\":\"ListItem\",\"position\":2,\"item\":{\"@type\":\"Product\",\"name\":\"Bank Norwegian Visa\",\"aggregateRating\":{\"@type\":\"AggregateRating\",\"ratingValue\":\"4.1\",\"bestRating\":\"5\"}}},{\"@type\":\"ListItem\",\"position\":3,\"item\":{\"@type\":\"Product\",\"name\":\"American Express Cashback Standard\",\"aggregateRating\":{\"@type\":\"AggregateRating\",\"ratingValue\":\"3.8\",\"bestRating\":\"5\"}}},{\"@type\":\"ListItem\",\"position\":4,\"item\":{\"@type\":\"Product\",\"name\":\"Avanza Bank-kortet\",\"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\":\"N\u00e4r f\u00e5r jag min cashback?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Beror p\u00e5 kortet. Northmill m\u00e5nadsvis, American Express \u00e5rsvis i december, Bank Norwegian kvartalsvis.\"}},{\"@type\":\"Question\",\"name\":\"\u00c4r cashback b\u00e4ttre \u00e4n bonuspo\u00e4ng?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Generellt ja, cashback \u00e4r likvida pengar. Po\u00e4ng binder dig till po\u00e4ngbutik d\u00e4r priserna ofta \u00e4r 10-30 procent h\u00f6gre.\"}},{\"@type\":\"Question\",\"name\":\"Beskattas cashback?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Nej. Cashback r\u00e4knas som rabatt p\u00e5 ink\u00f6p och \u00e4r inte skattepliktig inkomst i Sverige.\"}},{\"@type\":\"Question\",\"name\":\"Finns det kreditkort med h\u00f6gre \u00e4n 1,5 procent cashback i Sverige?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Nej, inte i ren cashback. 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F\u00e5 svenska kort har minimitr\u00f6skel.\"}},{\"@type\":\"Question\",\"name\":\"Kan jag ha b\u00e5de Northmill och American Express?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Ja, vanlig strategi. Northmill f\u00f6r sm\u00e5k\u00f6p, Amex vid st\u00f6rre k\u00f6p d\u00e4r 1,5-procentstr\u00f6skeln n\u00e5s.\"}},{\"@type\":\"Question\",\"name\":\"Vad inneb\u00e4r uppgraderad cashback?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"American Express markering att cashback-niv\u00e5n \u00f6kar fr\u00e5n 0,75 till 1,5 procent n\u00e4r du n\u00e5tt 25 000 kr per \u00e5r i konsumtion.\"}}]}\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>V\u00e5r topplista \u2013 b\u00e4sta cashback-kort 2026 1. Northmill Visa \u2013 0,5 % p\u00e5 allt utan \u00e5rsavgift (4,0\/5) 2. American Express Cashback Standard \u2013 0,75\u20131,5 % stigande (3,8\/5) 3. Bank Norwegian Visa \u2013 0,5 % CashPoints<\/p>","protected":false},"author":5,"featured_media":491,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-fullwidth.php","meta":{"_yoast_wpseo_focuskw":"kreditkort med cashback","_yoast_wpseo_title":"Kreditkort med cashback [year]: Riktiga pengar tillbaka","_yoast_wpseo_metadesc":"Vill du ha pengar tillbaka, inte po\u00e4ng eller checkar? Vi har granskat alla cashback-kreditkort i Sverige. 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