Travel Credit Cards in Finland

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 2024

Credit Card Bank Norwegian

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Example: The variable credit interest rate is 21.99% (Feb 2024). The annual fee is SEK 0. Utilizing a credit of SEK 10,000 and repaying through 12 payments of SEK 936 over 12 months, the effective interest rate is 24.35%. The total amount to be repaid is SEK 11,233.

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.

1. Earning CashPoints: Users earn CashPoints automatically when they link their credit card to a Reward account. CashPoints function as Norwegian’s own currency.
2. Value of CashPoints: One CashPoint is equivalent to one Norwegian Krone, approximately 0.10 euros.
3. 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.
4. 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.
5. 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.
6. 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.
7. Registration: To start earning CashPoints, users must register their card with their Reward profile.
8. Validity: CashPoints are valid until the end of the year earned plus two additional years.
9. Insurance: Travel and cancellation insurance is valid if at least 50% of the points come from purchases made with the card.
10. 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.

1. 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.
2. 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.
3. Gather Documentation: Prepare the necessary documents required for the application. This usually includes identification, proof of income, and residency details.
4. 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.
5. Submit Documents: If required, upload or provide digital copies of your supporting documents through the online platform.
6. Review and Submit: Double-check your application for any errors or missing information. Once everything is in order, submit your application.
7. 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.
8. 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.