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Travel Credit Cards in Finland
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Loan example: €4,000, withdrawn at once. Loan interest rate 19% (current interest rate 4% + 15% nominal interest). Total loan costs €555.67, including a €12 monthly account management fee, estimated total amount of the example loan. €4,555.67, assuming that the credit is repaid over a 12-month period as follows: 1. €408.67, 2. €403.39, 3. €398.11, 4. €392.83, 5. €387.56, 6. €382.28, 7. €377.00, 8. €371.72, 9. €366.44, 10. €361.17, 11. €355.89, 12. €350.61. Actual annual interest rate: 28.58%, The above is an example calculation based on the assumptions valid at the time of the calculation and on the customer following the above-mentioned payment plan.
Travel credit cards in Finland are tailored for those who frequently explore new destinations, offering a range of benefits that align with your travel needs and spending habits.
These cards not only make your travels more rewarding through various perks and rewards but also provide practical advantages like travel insurance and easier expense management while abroad. In this guide, we’ll delve into the essential features, benefits, and considerations when selecting a travel credit card in Finland
Best Travel Credit Cards in 2025
Loan example: €4,000, withdrawn at once. Loan interest rate 19% (current interest rate 4% + 15% nominal interest). Total loan costs €555.67, including a €12 monthly account management fee, estimated total amount of the example loan. €4,555.67, assuming that the credit is repaid over a 12-month period as follows: 1. €408.67, 2. €403.39, 3. €398.11, 4. €392.83, 5. €387.56, 6. €382.28, 7. €377.00, 8. €371.72, 9. €366.44, 10. €361.17, 11. €355.89, 12. €350.61. Actual annual interest rate: 28.58%, The above is an example calculation based on the assumptions valid at the time of the calculation and on the customer following the above-mentioned payment plan.
*Example: Loan 5,000 euros, nominal interest rate 15.9%, effective annual interest rate 19.57%. Monthly installment with 12-month repayment period is 458 euros. Costs 502 euros, total 5,502 euros.
Lainasto’s card credit is an unsecured, continuous credit of up to 3,000 euros, with a nominal interest rate of 18.50% (margin 15% + reference rate 3.5% – 01.01.2025-30.06.2025). Credit management fee: 0.01% / day and a maximum of 150 € / year. Example: credit costs for a 3,000 euro credit with a 12-month payment period total 418.61 €, total amount to be repaid 3418.61 €, effective annual interest rate 27.86%
*Example: €1,500 credit, variable nominal interest rate 19.50% (reference interest rate according to the Interest Act 4.50% + 15.00% margin), effective annual interest rate 21.34%. Repayment in 12-month installments €138.59/month, share of expenses €163.12, total cost €1,663.12.
*Example: Interest example in connection with partial payment of a purchase with a Mastercard credit card: Interest rate 19.50% and true annual interest rate 21.34%, €1,000/12 months. Total: €1,108.74.
Example: in connection with deferred payment, the interest rate is 19.50% (including the reference interest rate on January 1, 2024) and the actual annual interest rate is 21.34% for a €1,500 loan. Repayment in 12 installments (€139) every month. The share of expenses is €163, a total of €1663. The contract is valid until further notice.
The Bank Norwegian Credit Card offers a rewards program where cardholders accumulate CashPoints on their purchases. These points can be redeemed for flight tickets and additional services with Norwegian Airlines. The card is applicable for a variety of purchases, including those made domestically, abroad, and online, providing a way for users to earn rewards that can be used towards travel expenses. Additionally, the card includes a cap on bonus accumulation and specific conditions for point validity and usage, making it a potential option for individuals looking to integrate travel benefits into their financial tools.
- Earning CashPoints: Users earn CashPoints automatically when they link their credit card to a Reward account. CashPoints function as Norwegian’s own currency.
- Value of CashPoints: One CashPoint is equivalent to one Norwegian Krone, approximately 0.10 euros.
- Usage of CashPoints: CashPoints can be used to purchase flight tickets with Norwegian, regardless of the route or departure location. They can also be used for additional services like extra baggage, seat reservations, and flight changes.
- Accrual Rates:
- 0.5% CashPoints on card purchases – in Finland, abroad, and online.
- Increased percentages for Lowfare, Lowfare+, and Flex tickets with Norwegian: 3%, 4%, and 5% respectively.
- Bonus accumulation is capped at 15,000 euros per calendar year.
- Tracking CashPoints: Users can track their CashPoint balance via the mobile app or their online profile. Points are updated weekly in the Norwegian Reward profile.
- Non-Accruing Activities: CashPoints do not accumulate from cash withdrawals, bill payments, money transfers, or purchases from airlines other than Norwegian. Exceeding the annual 15,000 euro limit also stops point accumulation.
- Registration: To start earning CashPoints, users must register their card with their Reward profile.
- Validity: CashPoints are valid until the end of the year earned plus two additional years.
- Insurance: Travel and cancellation insurance is valid if at least 50% of the points come from purchases made with the card.
- Choice between CashPoints and Cashback: Users can choose to accumulate either CashPoints or cashback, with both programs offering 0.5% back on purchases in Finland. CashPoints offer more value for international and specific purchases, like public transport and Norwegian flights.
What is a Travel Credit Card?
A travel credit card is a type of credit card that’s specifically designed to offer benefits and rewards related to travel. Unlike standard credit cards, these travel-focused cards come with features that cater to the needs and preferences of frequent travelers. When you use a travel credit card for purchases, especially on travel-related expenses, you earn points, miles, or cashback that can be redeemed for flights, hotel stays, car rentals, and other travel-related services.
One of the key attractions of travel credit cards is their ability to accumulate travel rewards faster than general-purpose cards. They often provide bonus points for spending in categories like airlines, hotels, and dining. Additionally, these cards may offer perks such as complimentary travel insurance, no foreign transaction fees, access to airport lounges, and even elite status with travel programs.
The goal of a travel credit card is to make your travel more enjoyable and cost-effective. It’s a financial tool that not only helps manage your travel expenses but also adds value through rewards and benefits, enhancing your overall travel experience. For individuals in Finland who travel frequently, whether for leisure or business, a travel credit card can be a strategic choice to leverage their spending into tangible travel benefits.
Benefits of a travel credit card
- Reward Points or Miles: Earn points or miles on every purchase, with extra rewards on travel-related expenses.
- Redemption Options: Use points or miles for flights, hotel stays, car rentals, and other travel experiences.
- Travel Insurance: Benefit from complimentary travel insurance coverage, including trip cancellation, luggage loss, and medical emergencies.
- No Foreign Transaction Fees: Avoid extra charges on purchases made abroad or in foreign currencies.
- Airport Lounge Access: Enjoy access to exclusive airport lounges, offering comfort and convenience while traveling.
- Elite Status Opportunities: Gain or fast-track to elite status with airlines or hotel loyalty programs, unlocking additional perks.
- Concierge Services: Access 24/7 concierge services to assist with travel planning, reservations, and more.
- Emergency Assistance: Receive support with emergency card replacement and cash advances if needed while traveling.
- Currency Flexibility: Facilitate easier and more secure spending in multiple currencies when traveling internationally.
- Exclusive Travel Offers: Take advantage of special travel deals, discounts, and experiences exclusive to cardholders.
How to Apply For a Travel Credit Card
Applying for a travel credit card online in Finland is a convenient process that can be completed in just a few steps.
- Research: Begin by comparing various travel credit cards offered by Finnish banks and financial institutions. Look for cards that offer the best benefits for your travel habits, such as generous rewards on airline tickets, hotels, or dining.
- Check Eligibility: Before applying, ensure you meet the eligibility criteria, which typically include age, income, and residency requirements. Some issuers may also consider your credit history.
- Gather Documentation: Prepare the necessary documents required for the application. This usually includes identification, proof of income, and residency details.
- Complete the Online Application: Visit the bank or credit card issuer’s website and fill out the application form with your personal and financial details. Review all the information to ensure accuracy.
- Submit Documents: If required, upload or provide digital copies of your supporting documents through the online platform.
- Review and Submit: Double-check your application for any errors or missing information. Once everything is in order, submit your application.
- Wait for Approval: After submission, the bank will review your application, which may include checking your credit score and assessing your financial information. This process can take a few days to a few weeks.
- Receive Your Card: If approved, you will receive your travel credit card by mail. Follow the provided instructions to activate it and set up any necessary online accounts or services.
By following these steps, you can easily apply for a travel credit card online in Finland, gaining valuable travel benefits and rewards.
FAQ
Frequently Asked Questions
A travel credit card offers rewards and benefits tailored for travel, such as miles, travel insurance, and airport lounge access, while a normal credit card provides more general benefits and may not focus on travel-related perks.
The lifespan of miles and points varies by card issuer, but they typically last from 18 months to several years. Some programs may not expire points as long as there’s regular account activity.
Anyone who meets the issuer’s eligibility criteria, which usually includes being over a certain age, having a stable income, and possessing a good credit history, can apply for a travel credit card.
If you travel frequently and can take advantage of the specific benefits like travel rewards, insurance, and no foreign transaction fees, a travel credit card can be a better choice. If you don’t travel often, a standard credit card might be more suitable.