Premium accounts and cards

Updated 16 October 2026

In October 2026 the comparison covers 13 paid account tiers and 18 premium cards. Among the account tiers the lowest currency conversion markup is 0.00% and the cheapest tier with travel insurance costs €9.90/month.

Huomio! Luoton ottaminen maksaa. (English translation: Note: taking out credit costs money.)

Quick picks

Lowest currency conversion markup (account tiers)0.00%*Revolut Plus*Revolut PremiumRevolut MetalRevolut UltraAccount tiers without credit only. In a tie, all are listed.
Cheapest account tier with travel insurance€9.90/monthN26 GoAccount tiers without credit only. The content and terms of the insurance are in the insurance terms.

The quick picks compare only price and currency conversion markup. Credit cards are not named the best and are not ranked by interest rate.

* The currency conversion markup has limits (a fair-use fee, a weekend surcharge or conflicting sources), taken from the product details:

Revolut Plus: Currency exchange on weekdays with no extra charge up to €3,000/month, above that a 0.5% fair usage fee; at weekends 0.5%. 20% discount on Revolut's international transfer prices. Personal Plus card.
bunq Core: 1 Mastercard card is included. According to bunq's price list (15.10.2026), the price of a card payment in a currency other than euro is the Mastercard rate + a 0.5% exchange rate fluctuation protection fee on all tiers. The Plans page, on the other hand, says that ZeroFX is unlimited on the Core, Pro and Elite tiers; the sources conflict, so the figure follows the price list.
bunq Pro: 3 cards are included, a metal card is optional for a one-off fee. Share trading fee 0.79%. According to bunq's price list (15.10.2026), the price of a card payment in a currency other than euro is the Mastercard rate + a 0.5% exchange rate fluctuation protection fee on all tiers. The Plans page, on the other hand, says that ZeroFX is unlimited on the Core, Pro and Elite tiers; the sources conflict, so the figure follows the price list.
bunq Elite: Four 2 GB eSIM packages per year, 3 cards, share trading fee 0.49%, priority support. According to bunq's price list (15.10.2026), the price of a card payment in a currency other than euro is the Mastercard rate + a 0.5% exchange rate fluctuation protection fee on all tiers. The Plans page, on the other hand, says that ZeroFX is unlimited on the Core, Pro and Elite tiers; the sources conflict, so the figure follows the price list.

All products compared

Choose a filter: for travellers, cashback, no annual fee or only account tiers. A card's row always shows the effective annual interest rate (APR) and its example, because in the marketing of consumer credit they must be presented together.

31 products. The For travellers filter shows the products that include travel insurance or free lounge visits, and sorts them by currency conversion markup. The order is always based on price or currency conversion markup, never on the interest rate of credit cards.

Account tiers

Paid account tiers price, currency conversion markup, travel insurance, lounge and cashback. The full content is behind the Terms button.
Tier			Travel insurance	Lounge	Cashback
bunq Corebunq	€3.99/month	0.50%*	No travel insurance (included only in bunq Elite).	No lounge benefit.	No cashback.
Price €3.99/month, includes 5 accounts. No annual price is published. Who can apply bunq's pages do not mention income requirements for paid tiers. The account is opened in the app. Travel insurance No travel insurance (included only in bunq Elite). Purchase protection No purchase protection insurance is mentioned in the price list. Lounge No lounge benefit. Cashback or points No cashback. Withdrawals abroad The first 5 withdrawals per month €0.99 each, after that €2.99 each; currency exchange adds a further 0.5%. Other 1 Mastercard card is included. According to bunq's price list (15.10.2026), the price of a card payment in a currency other than euro is the Mastercard rate + a 0.5% exchange rate fluctuation protection fee on all tiers. The Plans page, on the other hand, says that ZeroFX is unlimited on the Core, Pro and Elite tiers; the sources conflict, so the figure follows the price list. Full product page bunq Core: price, benefits and terms
Revolut PlusRevolut	€3.99/month	0.00%*	No travel insurance.	Lounge passes can be bought in the app at the standard price; there are no free visits.	RevPoints: 1 point for every €10 spent on card purchases.
Price €3.99/month or €40/year. All paid tiers are 12-month contracts that can be paid monthly or yearly; early cancellation may incur a fee (Paid Plan Terms). Who can apply Revolut's pricing pages do not mention income or credit history requirements. The paid tier is a subscription on top of a Revolut account (Revolut Bank UAB, Lithuania). Travel insurance No travel insurance. Revolut's travel insurance starts from the Premium tier. Purchase protection Everyday purchase protection (Everyday insurance) is included. Maximum amounts and limitations are in the insurance terms. Lounge Lounge passes can be bought in the app at the standard price; there are no free visits. Cashback or points RevPoints: 1 point for every €10 spent on card purchases. Withdrawals abroad Free ATM withdrawals up to €200 in a rolling month, after that 2% (minimum €1). Other Currency exchange on weekdays with no extra charge up to €3,000/month, above that a 0.5% fair usage fee; at weekends 0.5%. 20% discount on Revolut's international transfer prices. Personal Plus card. Full product page Revolut Plus: price, benefits and terms
N26 SmartN26	€4.90/month	0.00%	No travel insurance.	Lounge passes can be bought in the app, €33 per visit.	No cashback.
Price €4.90/month. No annual price is published. Who can apply N26 offers accounts to people living in Finland (Finland is on N26's list of target countries). N26's pages do not mention income requirements for paid tiers. Travel insurance No travel insurance. Purchase protection No purchase protection insurance. Lounge Lounge passes can be bought in the app, €33 per visit. Cashback or points No cashback. Withdrawals abroad 3 free ATM withdrawals in euros per month; outside the euro area 1.7% of the amount withdrawn. Other Physical debit card, 10 Spaces sub-accounts with an IBAN, budgeting automations. According to N26, card payments abroad are free of charge. Full product page N26 Smart: price, benefits and terms
N26 GoN26	€9.90/month	0.00%	Allianz Assistance travel insurance: medical care abroad up to €1 million and dental care €250, medical transport €2,300, trip cancellation €10,000, trip interruption €10,000, trip and baggage delays €500, baggage €2,000, liability insurance €500,000.	DragonPass lounges: first visit of the year €15, further visits €30.	1% cashback on N26 Mastercard purchases outside the EEA, Switzerland and the UK as a promotion for up to 12 months; requires joining the promotion in the app.
Price €9.90/month. No annual price is published. Who can apply N26 offers accounts to people living in Finland (Finland is on N26's list of target countries). N26's pages do not mention income requirements for paid tiers. Travel insurance Allianz Assistance travel insurance: medical care abroad up to €1 million and dental care €250, medical transport €2,300, trip cancellation €10,000, trip interruption €10,000, trip and baggage delays €500, baggage €2,000, liability insurance €500,000. Excess on cancellation cover €20 per insured person. Purchase protection No purchase protection insurance (included only in Metal). Lounge DragonPass lounges: first visit of the year €15, further visits €30. Cashback or points 1% cashback on N26 Mastercard purchases outside the EEA, Switzerland and the UK as a promotion for up to 12 months; requires joining the promotion in the app. Withdrawals abroad 5 free withdrawals in euros per month; withdrawals outside the euro area are free of charge. Other 3 commission-free share trades per month, a travel eSIM can be purchased. Full product page N26 Go: price, benefits and terms
bunq Probunq	€9.99/month	0.50%*	No travel insurance (included only in bunq Elite).	No lounge benefit.	No cashback.
Price €9.99/month, includes 25 accounts. No annual price is published. Who can apply bunq's pages do not mention income requirements for paid tiers. The account is opened in the app. Travel insurance No travel insurance (included only in bunq Elite). Purchase protection No purchase protection insurance is mentioned in the price list. Lounge No lounge benefit. Cashback or points No cashback. Withdrawals abroad 6 free withdrawals per month, the next 5 withdrawals €0.99 each, after that €2.99 each; currency exchange adds a further 0.5%. Other 3 cards are included, a metal card is optional for a one-off fee. Share trading fee 0.79%. According to bunq's price list (15.10.2026), the price of a card payment in a currency other than euro is the Mastercard rate + a 0.5% exchange rate fluctuation protection fee on all tiers. The Plans page, on the other hand, says that ZeroFX is unlimited on the Core, Pro and Elite tiers; the sources conflict, so the figure follows the price list. Full product page bunq Pro: price, benefits and terms
Klarna PlusKlarna	€9.99/month	0.00%	No travel insurance (starts from the Premium tier).	Discounted lounge visit €35/visit (1,500+ lounges).	0.5% cashback on all Klarna purchases as points (redeemable as money or travel points), double cashback at selected shops in the app; €80 of monthly discounts from top brands.
Price First month free, then €9.99/month. The cheapest tier, Everywhere, costs €3.99/month (no cashback and no insurance). Who can apply Klarna's membership page does not mention income requirements; the membership has a monthly fee and can be cancelled at any time in the app. A physical card requires a paid membership. Klarna Bank AB is a Swedish bank. Travel insurance No travel insurance (starts from the Premium tier). Purchase protection XCover purchase protection for damage and theft up to €500, 30-day price drop protection, 2-year extended warranty. Lounge Discounted lounge visit €35/visit (1,500+ lounges). Cashback or points 0.5% cashback on all Klarna purchases as points (redeemable as money or travel points), double cashback at selected shops in the app; €80 of monthly discounts from top brands. Withdrawals abroad Withdrawal terms are not stated on the membership page. Other Savings interest 2.30%, priority phone support, digital subscriptions (e.g. Bon Appétit, ClassPass 5 credits/month). The card is a Visa linked to a Klarna bank account, with which you can pay immediately or later. The terms and effective annual interest rate (APR) of the Pay later credit are not on the membership page, so no credit information is given here. Full product page Klarna Plus: price, benefits and terms
Revolut PremiumRevolut	€10.99/month	0.00%	Includes medical expenses abroad (you and your close family), winter sports insurance, and flight delay and baggage delay, loss or damage.	Discounted price for lounge visits (1,600+ lounges through the Revolut app).	RevPoints: 1 point for every €4.
Price €10.99/month or €110/year. All paid tiers are 12-month contracts that can be paid monthly or yearly; early cancellation may incur a fee (Paid Plan Terms). Who can apply Revolut's pricing pages do not mention income or credit history requirements. The paid tier is a subscription on top of a Revolut account (Revolut Bank UAB, Lithuania). Travel insurance Includes medical expenses abroad (you and your close family), winter sports insurance, and flight delay and baggage delay, loss or damage. The insured amounts are given only in the insurance terms, not on the comparison page. Trips to sanctioned countries or against an official travel warning are not insured. Purchase protection Everyday purchase protection (Everyday insurance) is included. Lounge Discounted price for lounge visits (1,600+ lounges through the Revolut app). There are no free visits. Cashback or points RevPoints: 1 point for every €4. Withdrawals abroad Free ATM withdrawals up to €400 in a rolling month, after that 2% (minimum €1). Other Currency exchange without Revolut's monthly limit and without the weekend surcharge. Brand subscriptions (e.g. ChatGPT, NordVPN, Financial Times), 1 GB of global mobile data per month, 40% discount on international transfers, 5 commission-free share trades per month. Full product page Revolut Premium: price, benefits and terms
N26 MetalN26	€16.90/month	0.00%	The same Allianz Assistance travel insurance as in the Go tier: medical care up to €1 million, dental care €250, medical transport €2,300, cancellation and interruption €10,000, delays €500, baggage €2,000, liability €500,000.	DragonPass lounges (1,300+): first visit of the year free of charge, further visits €30.	1% travel cashback on purchases outside the EEA, Switzerland and the UK as a promotion for up to 12 months (joining in the app).
Price €16.90/month. No annual price is published. Who can apply N26 offers accounts to people living in Finland (Finland is on N26's list of target countries). N26's pages do not mention income requirements for paid tiers. Travel insurance The same Allianz Assistance travel insurance as in the Go tier: medical care up to €1 million, dental care €250, medical transport €2,300, cancellation and interruption €10,000, delays €500, baggage €2,000, liability €500,000. Excess on cancellation cover €50 per claim. Purchase protection Purchase protection up to €2,500 per claim (theft and accidental damage within 12 months of purchase) and mobile phone insurance up to €2,000. Lounge DragonPass lounges (1,300+): first visit of the year free of charge, further visits €30. Cashback or points 1% travel cashback on purchases outside the EEA, Switzerland and the UK as a promotion for up to 12 months (joining in the app). Withdrawals abroad 8 free withdrawals in euros per month, after that €2; withdrawals outside the euro area are free of charge. Other Metal card, savings account interest 1.5%, 10 commission-free share trades per month, lower crypto fees, priority phone support. Full product page N26 Metal: price, benefits and terms
Revolut MetalRevolut	€17.99/month	0.00%	The Premium tier's travel cover (medical expenses abroad for you and your close family, winter sports, flight and baggage delay or loss), plus rental car excess insurance and liability insurance abroad up to €1 million/year.	Discounted price for lounge visits (1,600+ lounges).	RevPoints: 1 point for every €2.
Price €17.99/month or €175/year. All paid tiers are 12-month contracts that can be paid monthly or yearly; early cancellation may incur a fee (Paid Plan Terms). Who can apply Revolut's pricing pages do not mention income or credit history requirements. The paid tier is a subscription on top of a Revolut account (Revolut Bank UAB, Lithuania). Travel insurance The Premium tier's travel cover (medical expenses abroad for you and your close family, winter sports, flight and baggage delay or loss), plus rental car excess insurance and liability insurance abroad up to €1 million/year. Other insured amounts are in the insurance terms. Purchase protection Everyday purchase protection (Everyday insurance) is included. Lounge Discounted price for lounge visits (1,600+ lounges). There are no free visits. Cashback or points RevPoints: 1 point for every €2. Withdrawals abroad Free ATM withdrawals up to €800 in a rolling month, after that 2% (minimum €1). Other Metal card, brand subscriptions, 3 GB of global mobile data per month, 40% discount on international transfers, 10 commission-free share trades per month. Currency exchange without a monthly limit or weekend surcharge. Full product page Revolut Metal: price, benefits and terms
bunq Elitebunq	€18.99/month	0.50%*	Worldwide travel insurance (Qover) for all trips: medical care, baggage and rental car; the family is covered by the same policy.	No lounge benefit is mentioned.	No cashback.
Price €18.99/month, includes 25 accounts. No annual price is published. Who can apply bunq's pages do not mention income requirements for paid tiers. The account is opened in the app. Travel insurance Worldwide travel insurance (Qover) for all trips: medical care, baggage and rental car; the family is covered by the same policy. Insured amounts and countries are only in the policy document in the app. Purchase protection No purchase protection insurance is mentioned in the price list. Lounge No lounge benefit is mentioned. Cashback or points No cashback. Withdrawals abroad 6 free withdrawals per month, the next 5 withdrawals €0.99 each, after that €2.99 each; currency exchange adds a further 0.5%. Other Four 2 GB eSIM packages per year, 3 cards, share trading fee 0.49%, priority support. According to bunq's price list (15.10.2026), the price of a card payment in a currency other than euro is the Mastercard rate + a 0.5% exchange rate fluctuation protection fee on all tiers. The Plans page, on the other hand, says that ZeroFX is unlimited on the Core, Pro and Elite tiers; the sources conflict, so the figure follows the price list. Full product page bunq Elite: price, benefits and terms
Klarna PremiumKlarna	€19.99/month	0.00%	Worldwide travel insurance (XCover): medical care up to €2,500,000, dental care €300, loss of baggage €1,000, delay over 8 h €250, rental car insurance €10,000.	Discounted lounge visit €30/visit (1,500+ lounges).	1% cashback on all Klarna purchases, 3x cashback at selected shops; €80 of monthly discounts.
Price €19.99/month. A fee may apply to the metal card if it is cancelled within 6 months. Who can apply Klarna's membership page does not mention income requirements; the membership has a monthly fee and can be cancelled at any time in the app. A physical card requires a paid membership. Klarna Bank AB is a Swedish bank. Travel insurance Worldwide travel insurance (XCover): medical care up to €2,500,000, dental care €300, loss of baggage €1,000, delay over 8 h €250, rental car insurance €10,000. Purchase protection Purchase protection for damage and theft up to €1,000, 30-day price drop protection, 2-year extended warranty. Lounge Discounted lounge visit €30/visit (1,500+ lounges). Cashback or points 1% cashback on all Klarna purchases, 3x cashback at selected shops; €80 of monthly discounts. Withdrawals abroad Withdrawal terms are not stated on the membership page. Other Metal card, savings interest 2.40%, own phone and chat support, subscription services (e.g. Blinkist Pro, ClassPass 10 credits/month, Clue Plus). The card is a Visa linked to a Klarna bank account, with which you can pay immediately or later. The terms and effective annual interest rate (APR) of the Pay later credit are not on the membership page, so no credit information is given here. Full product page Klarna Premium: price, benefits and terms
Klarna MaxKlarna	€49.99/month	0.00%	Worldwide travel insurance (XCover): medical care up to €5,000,000, dental care €300, loss of baggage €3,000, delay over 8 h €250, rental car insurance €10,000.	Unlimited free access to 1,500+ airport lounges.	1.5% cashback on all Klarna purchases, 4x cashback at selected shops; €80 of monthly discounts.
Price €49.99/month. A fee may apply to the metal card if it is cancelled within 6 months. Who can apply Klarna's membership page does not mention income requirements; the membership has a monthly fee and can be cancelled at any time in the app. A physical card requires a paid membership. Klarna Bank AB is a Swedish bank. Travel insurance Worldwide travel insurance (XCover): medical care up to €5,000,000, dental care €300, loss of baggage €3,000, delay over 8 h €250, rental car insurance €10,000. In addition Klarna's own Cancel for any reason service (not insurance): 70% back on trips and events cancelled at least 24 h in advance, up to €2,500 per claim and €5,000 per year. Purchase protection Purchase protection for damage and theft up to €1,500, 30-day price drop protection, 2-year extended warranty. Lounge Unlimited free access to 1,500+ airport lounges. Cashback or points 1.5% cashback on all Klarna purchases, 4x cashback at selected shops; €80 of monthly discounts. Withdrawals abroad Withdrawal terms are not stated on the membership page. Other Metal card, savings interest 2.70%, 13 subscription services (e.g. The New York Times, Storytel, ViaPlay), own phone and chat support. The card is a Visa linked to a Klarna bank account, with which you can pay immediately or later. The terms and effective annual interest rate (APR) of the Pay later credit are not on the membership page, so no credit information is given here. Full product page Klarna Max: price, benefits and terms
Revolut UltraRevolut	€65.00/month	0.00%	The Metal tier's travel cover (medical expenses abroad, winter sports, delays, baggage, rental car excess, liability insurance €1 million/year), plus trip and event cancellation cover for any reason: up to 70% back on cancelled flights, trains, accommodation or events.	Unlimited free lounge visits (1,600+ lounges) and unlimited Fast Track.	RevPoints: 1 point for every €1.
Price €65/month or €650/year; on the comparison page €65/month is marked as an introductory offer, and the price after the offer is not stated. If the subscription is cancelled within 6 months, €50 and a delivery fee may be charged for the Ultra card. All paid tiers are 12-month contracts that can be paid monthly or yearly; early cancellation may incur a fee (Paid Plan Terms). Who can apply Revolut's pricing pages do not mention income or credit history requirements. The paid tier is a subscription on top of a Revolut account (Revolut Bank UAB, Lithuania). Travel insurance The Metal tier's travel cover (medical expenses abroad, winter sports, delays, baggage, rental car excess, liability insurance €1 million/year), plus trip and event cancellation cover for any reason: up to 70% back on cancelled flights, trains, accommodation or events. Booking at least 72 hours before departure, claim within 30 days. Purchase protection Revolut's most comprehensive everyday purchase protection is included. Lounge Unlimited free lounge visits (1,600+ lounges) and unlimited Fast Track. Cashback or points RevPoints: 1 point for every €1. Withdrawals abroad Free ATM withdrawals up to €2,000 in a rolling month, after that 2% (minimum €1). Other Platinum-plated card, phone support in English, 5 GB of global mobile data per month, international transfers without a Revolut fee, Trading Pro. Full product page Revolut Ultra: price, benefits and terms

Credit and combined cards

examples are not comparable The banks' effective annual interest rate (APR) examples are not comparable with each other: the credit amount and the loan period vary, and in some examples the card's monthly fee is included in the calculation and in others it is not. Compare the figures only if the assumptions of the example are the same. Pankkitutka does not rank credit cards by effective annual interest rate (APR).

Premium cards price, currency conversion markup, benefits and the effective annual interest rate (APR) with its example. The effective annual interest rate (APR) and its example are shown on every row.
Card			Effective annual interest rate (APR) and example	Travel insurance	Lounge	Cashback
Bank Norwegian credit card (Visa)Bank Norwegian, credit cardexamples are not comparable	€0.00/month	2.49%	18.97%effective annual interest rate (APR) On Bank Norwegian's page: "Example: In connection with a payment deferral, the effective annual interest rate (APR) with a 1-year repayment period is 18.97%. The interest rate is tied to the Bank of Finland reference rate (2.5% from 01.07.2026) and a 15% margin is added to it, giving a nominal interest rate of 17.50%. This calculation is based on a credit of €1,500 repaid in 12 monthly instalments, with an instalment of €137. The total amount to be repaid is then €1,646. The agreement is open-ended (valid indefinitely)."	Tryg's travel and cancellation insurance, valid when at least 75% of the trip's travel and accommodation costs are paid with the card directly to the service provider; maximum trip duration 90 days.	No lounge benefit.	A choice of either 0.5% cashback (1 cashback = €1, used to pay the invoice) or 0.5% as CashPoint points (1 point is about €0.10, for Norwegian flights; in addition 3-5% on flights bought from Norwegian).
Price No annual fee, no card renewal fee, e-invoice and paper invoice €0. Optional rental car excess insurance €43.28/year. Who can apply Over 18 years old, no payment default entries; Bank Norwegian performs a credit check and the decision comes automatically. Credit limit up to €15,000 Interest rate 17.50% Interest margin 15.00% Interest-free period 45 days How the interest is set Nominal interest rate 17.50% = Bank of Finland reference rate 2.5% (from 1.7.2026, reviewed on 1.1. and 1.7.) + 15% margin. Monthly nominal interest rate 1.458%. Interest-free period of up to 45 days, also for cash withdrawals; in the Siirto luottokortilta (transfer from credit card) service interest starts from the first day. Credit limit up to €15,000. Travel insurance Tryg's travel and cancellation insurance, valid when at least 75% of the trip's travel and accommodation costs are paid with the card directly to the service provider; maximum trip duration 90 days. The insurance covers the cardholder's family even if the cardholder does not travel. Insured amounts are in the insurance terms. Purchase protection No included purchase protection insurance is mentioned; credit purchases carry the purchase protection under the Consumer Protection Act. Lounge No lounge benefit. Cashback or points A choice of either 0.5% cashback (1 cashback = €1, used to pay the invoice) or 0.5% as CashPoint points (1 point is about €0.10, for Norwegian flights; in addition 3-5% on flights bought from Norwegian). The benefit accrues on purchases of up to €15,000 per calendar year. Withdrawals abroad Cash withdrawals are free of charge in Finland and abroad (the ATM owner may charge a fee); withdrawal limit abroad €1,000/day, in Finland €500/day. Other Optional paid insurances: payment protection, rental car excess, identity theft. No country restrictions. Full product page Bank Norwegian credit card (Visa): price, benefits and terms
Finnair Visa Credit LightAktia (Finnair), credit cardexamples are not comparable	€0.00/month	2.90%	24.81%effective annual interest rate (APR) On Aktia's Finnair Visa page: "The interest rate of the credit is 3-month Euribor + 13.50%, the account management fee €4.50/invoice and the monthly fee €0. The effective annual interest rate (APR) is 24.81% (calculated 09/2026, 3-month Euribor 2.593%) and the total amount payable is €1,687.92 under the assumptions stated above." Assumptions: credit amount €1,500, one year, 12 equal instalments.	Travel insurance is not mentioned on Aktia's Finnair Visa page (checked 16.10.2026).	No lounge benefit.	1 Avios for every €2 regardless of the Finnair Plus tier, up to the granted credit limit in a billing period.
Price €0/month. No parallel card. Only one Finnair Visa card at a time. Who can apply Finnair Plus member, at least 18 years old, regular income, permanent home address in Finland, properly managed finances and no payment defaults. A university student can get the card without regular income with a credit limit of €2,000. Being an Aktia customer is not required. Credit limit up to €20,000 Interest margin 13.50% Interest-free period 30 days How the interest is set 3-month Euribor + 13.50%, account management fee €4.50/invoice only if the credit is not paid in full on the due date. Interest-free period on average 30 days. Credit limit €2,000-20,000. Travel insurance Travel insurance is not mentioned on Aktia's Finnair Visa page (checked 16.10.2026). Purchase protection No purchase protection insurance mentioned; credit purchases carry the purchase protection under the Consumer Protection Act. Lounge No lounge benefit. Cashback or points 1 Avios for every €2 regardless of the Finnair Plus tier, up to the granted credit limit in a billing period. No tier points. Withdrawals abroad No withdrawal fee is stated on the product page. Other Two payment-free months per year. Full product page Finnair Visa Credit Light: price, benefits and terms
Morrow Bank MastercardMorrow Bank, credit cardexamples are not comparable	€0.00/month	1.75%	18.97%effective annual interest rate (APR) On Morrow Bank's page: "Interest example for an instalment payment of a purchase with the credit card: Interest rate 17.50% and effective annual interest rate (APR) 18.97%, for a credit of €1,000 / 12 months. Monthly instalment €91.44, total to be repaid €1,097.31."	Travel and cancellation insurance for you and your family worldwide on trips of up to 60 days, when at least 50% of the trip is paid with a Morrow Bank credit card.	No lounge benefit.	No fixed cashback; More Experience discounts and experiences for customers.
Price No usage or annual fees (annual fee €0). A fee is charged for changing the credit limit according to the credit terms. Who can apply A person living in Finland aged at least 23, with no active payment default entries. Creditworthiness is assessed on the basis of the application and a credit check, decision in 1-2 working days. Credit limit up to €10,000 Interest rate 17.50% Interest-free period 50 days How the interest is set Annual nominal interest rate on purchases and cash withdrawals 17.50%; the interest consists of the reference rate under section 12 of the Interest Act and a margin, and the reference rate is reviewed every six months. Interest-free period of up to 50 days if the whole credit is paid on the due date; on cash withdrawals interest starts from the withdrawal date. Credit limit up to €10,000. Travel insurance Travel and cancellation insurance for you and your family worldwide on trips of up to 60 days, when at least 50% of the trip is paid with a Morrow Bank credit card. Covers, among other things, baggage delay, a replacement trip and illness or accident during the trip. Insurers are BNP Paribas Cardif and Zurich. Purchase protection Purchase protection: personal items paid for with the card up to €2,500, 90 days from the purchase date (theft in connection with a break-in or robbery, damage). Lounge No lounge benefit. Cashback or points No fixed cashback; More Experience discounts and experiences for customers. Withdrawals abroad Cash withdrawals are free of charge in Finland and abroad; interest starts from the withdrawal date. Other Mastercard ID Theft Protection is included. Morrow Bank AB is a Swedish bank (org. no. SE 559490-6546). Full product page Morrow Bank Mastercard: price, benefits and terms
S-Etukortti Visa CreditS-Bank, credit cardexamples are not comparable	€0.00/month	2.45%	18.389%effective annual interest rate (APR) On the S-Bank product page: "The effective annual interest rate (APR) of the credit, calculated for an average credit of €1,500, is 18.389%, assuming that the reference rate is 2.484% (7/2026) and the credit invoice is sent electronically only (account management fee €2/invoice). If the credit invoice is delivered by post (account management fee €5/invoice), the effective annual interest rate of the credit is 23.677%."	S-Bank's page does not mention travel insurance for the card.	No lounge benefit.	The owner-customer earns Bonus on purchases at S Group and also a 0.5% payment-method benefit on purchases at S Group.
Price Free of monthly and annual fees for an owner-customer of a cooperative society (two S-Etukortti Visa cards free of charge, additional cards €2.50/month). For customers who are not owner-customers, S-Bank Visa Credit costs €30/year and the credit margin is 14.95% (service price list for non-owner-customers, valid from 1.11.2025). Who can apply At least 18 years old, regular income and a clean credit record. Apply online. Credit limit up to €10,000 Interest margin 11.95% Interest-free period 30 days How the interest is set 3-month Euribor + 11.95% margin (owner-customers). Account management fee €2 per electronic invoice only if the credit is not paid in full by the due date, or €5 per paper invoice. Minimum repayment €40. Interest-free period on average 30 days. Credit limit €800-10,000. Travel insurance S-Bank's page does not mention travel insurance for the card. Purchase protection No separate product insurance; credit purchases carry the purchase protection under the Consumer Protection Act (the seller's liability for breach of contract). Lounge No lounge benefit. Cashback or points The owner-customer earns Bonus on purchases at S Group and also a 0.5% payment-method benefit on purchases at S Group. Withdrawals abroad Withdrawals from the credit account €2.50 + 3% of the amount withdrawn, also abroad. Other Two payment-free months per year. The card also works in Apple Pay and Google Pay. Full product page S-Etukortti Visa Credit: price, benefits and terms
Nordea GoldNordea, combined debit and credit cardexamples are not comparable	€5.99/month	2.50%	22.10%effective annual interest rate (APR) On Nordea's product page: "The effective annual interest rate (APR) of the Nordea Gold credit card for a credit of €1,500 is 22.1%, when the reference rate 3-month Euribor is 2.08% (04/2026). The calculation has been made assuming that a free e-invoice is in use, that the credit is repaid in 12 instalments (€133) at monthly intervals and that the credit card's share of the card's monthly fee is €2.99. The calculation does not take into account the additional services included in the card's monthly fee. The estimated total cost of the credit is €1,669."	Tryg's continuous travel insurance abroad for the cardholder, the cohabiting or married spouse and children under 22 living in the same household (cardholder and spouse aged 16-78), for leisure trips of up to 3 months.	No free lounge visits.	Cashback 0.5% on purchases paid with credit (not cash transfers or gambling), up to €150 per calendar year, paid to the credit account monthly.
Price €5.99/month without a package (incl. the card €2.99/month and additional services). Gold package: Premium and Preferred customers and ages 18-27: €0.99/month, other Nordea customers €6.99/month; the package price requires regular income to be directed to Nordea. Who can apply An adult Nordea customer, permanent place of residence in Finland, regular and sufficient income or a university student, well-managed finances and no payment default entry. Credit limit up to €10,000 Interest margin 13.90% Interest-free period 30 days How the interest is set 3-month Euribor + 13.90%. Credit account management fee €0/month (cards granted after 1.5.2026; old terms apply to old cards). 30-day interest-free period for purchases; cash withdrawals and transfers bear interest from the withdrawal date. Credit limit €5,000-10,000. Travel insurance Tryg's continuous travel insurance abroad for the cardholder, the cohabiting or married spouse and children under 22 living in the same household (cardholder and spouse aged 16-78), for leisure trips of up to 3 months. Requires that at least 75% of travel and accommodation costs are paid with the credit feature. Covers, among other things, medical expenses with no euro upper limit (excess €100), baggage €850 (excess €100), cancellation or interruption €1,700, delay €1,700, dental care €200. Purchase protection Tuoteturva (product cover): products of €100-2,000 paid for entirely with the credit feature, 180 days, excess €50, up to €12,000/year (Tryg). Lounge No free lounge visits. Cashback or points Cashback 0.5% on purchases paid with credit (not cash transfers or gambling), up to €150 per calendar year, paid to the credit account monthly. Withdrawals abroad Withdrawals in euros from a bank account in EEA countries 4/month free of charge, after that €1; withdrawals in foreign currency from a bank account €2.00 + 3%; withdrawals from card credit bear interest from the withdrawal date. Free of charge at Nordea's ATMs in Norway, Sweden and Denmark. Other Mastercard Priceless offer rights, K-Plussa feature can be added. Full product page Nordea Gold: price, benefits and terms
Finnair Visa CreditAktia (Finnair), credit cardexamples are not comparable	€6.00/month	2.90%	32.75%effective annual interest rate (APR) On Aktia's Finnair Visa page: "The interest rate of the credit is 3-month Euribor + 11.50%, the account management fee €4.50/invoice and the monthly fee €6. The effective annual interest rate (APR) is 32.75% (calculated 09/2026, 3-month Euribor 2.593%) and the total amount payable is €1,743 under the assumptions stated above." Assumptions: credit amount €1,500, one year, 12 equal instalments. In the card's SECCI form (€2,000, Euribor 2.060%) the effective annual interest rate (APR) is 27.52%.	Travel insurance is not mentioned on Aktia's Finnair Visa page or in the card terms (checked 16.10.2026).	No lounge benefit.	Avios on purchases by Finnair Plus tier: Basic 1, Silver 1.2, Gold 1.4, Platinum 1.6 and Platinum Lumo 1.8 Avios per € up to the granted credit limit in a billing period.
Price €6/month. The card cannot be used as the payment card in Aktia's customer package. Only one Finnair Visa card at a time. Who can apply Finnair Plus member, at least 18 years old, regular income, permanent home address in Finland, properly managed finances and no payment defaults. A university student can get the card without regular income with a credit limit of €2,000. Being an Aktia customer is not required. Credit limit up to €20,000 Interest margin 11.50% Interest-free period 30 days How the interest is set 3-month Euribor + 11.50%, account management fee €4.50/invoice only if the credit is not paid in full on the due date. Interest-free period on average 30 days. Credit limit €2,000-20,000. Minimum instalment €30 or 3%. Travel insurance Travel insurance is not mentioned on Aktia's Finnair Visa page or in the card terms (checked 16.10.2026). Purchase protection No purchase protection insurance mentioned; credit purchases carry the purchase protection under the Consumer Protection Act. Lounge No lounge benefit. Cashback or points Avios on purchases by Finnair Plus tier: Basic 1, Silver 1.2, Gold 1.4, Platinum 1.6 and Platinum Lumo 1.8 Avios per € up to the granted credit limit in a billing period. In addition 500 tier points per month when purchases are at least €1,500. No Avios are earned on cash withdrawals, bills or account transfers. Withdrawals abroad No withdrawal fee is stated on the product page. Other Parallel card for someone aged 16 or over, two payment-free months per year, Finnair Visa app. Full product page Finnair Visa Credit: price, benefits and terms
POP Visa GoldPOP Bank, combined debit and credit cardexamples are not comparable	€7.00/month	2.95%	22.52%effective annual interest rate (APR) On POP Bank's product page: "The effective annual interest rate (APR) for a credit of €2,000 is 22.52%, when the interest rate of the credit is 3-month Euribor + 11.5% (3-month Euribor 2.608% on 1.9.2026), the account management fee is €4 per month and the paper invoice fee is €2 per month. The estimated total cost of the credit is €2,228.16." The calculation assumes a credit period of one year and 12 equal instalments. Note: the example does not mention the card's monthly fee.	LähiTapiola's continuous leisure travel insurance (traveller, baggage, travel liability and travel legal expenses insurance) for main and parallel cardholders under 80 and family members under 16 travelling along, worldwide on holiday trips of up to 3 months, not on business trips; valid even if the trip is not paid for with the card.	Priority Pass: 2 free visits per calendar year (one can be handed to a travel companion), additional visits €30/person.	No cashback.
Price Prices are specific to each bank. Example bank Suomen Osuuspankki: main card €4.00/month + the added-value service included in the Gold card €3.00/month. POP Visa Gold monthly fees are waived (-100%) for member key customers (jäsenavainasiakas). Who can apply The product page does not publish separate income or age requirements; the card is granted on the basis of a credit decision. Interest margin 11.50% How the interest is set 3-month Euribor + 11.5% when the credit has interest-bearing debt. Account management fee €4/month on interest-bearing debt, paper invoice fee €2/month. The credit limit and interest-free period are not stated on the product page. Travel insurance LähiTapiola's continuous leisure travel insurance (traveller, baggage, travel liability and travel legal expenses insurance) for main and parallel cardholders under 80 and family members under 16 travelling along, worldwide on holiday trips of up to 3 months, not on business trips; valid even if the trip is not paid for with the card. Purchase protection No separate purchase protection insurance is mentioned on the product page. Lounge Priority Pass: 2 free visits per calendar year (one can be handed to a travel companion), additional visits €30/person. Cashback or points No cashback. Withdrawals abroad Suomen Osuuspankki: withdrawal in euros from the credit account €2.00 + 2%, withdrawal in another currency from the credit account €2.50 + 2.5%, from a bank account €2.00 + 2.5%. Other Visa Global Customer Assistance 24/7, AirRefund flight compensation service with a 20% fee. Full product page POP Visa Gold: price, benefits and terms
OP GoldOP, combined debit and credit cardexamples are not comparable	€7.75/month	2.50%	17.88%effective annual interest rate (APR) On OP's product page: "The effective annual interest rate (APR) for a credit of €2,000 is 17.88%, when the interest rate of the credit is 3-month Euribor + 8.95% (2.06%, 4/26), the card's monthly fee is €2.95, the account management fee is €3.50 per month and a free e-invoice is in use. The calculation does not take into account discounts received by an owner-customer or other discounts. The estimated total cost of the credit is €2,175.11." The calculation assumes a credit period of one year and 12 equal instalments. Note: OP uses the same example for all its Visa cards, and the €2.95 in the example is the card's share of the monthly fee without additional services.	Pohjola Vakuutus travel insurance for the cardholder, the spouse and children under 25 travelling with them: traveller insurance (medical cover abroad, cancellation, interruption, delay and waiting cover, disability and death cover), baggage, travel liability and travel legal expenses insurance.	LoungeKey: 2 free visits per year (one can be given to a travel companion), after that €30/person.	An owner-customer earns OP bonuses, for example, on the card's interest-bearing credit (from 1.1.2026).
Price According to the price list, OP Gold (the card and additional services linked to the card) costs €7.75/month, €4.00/month for ages 18-25. As an everyday banking package (account, digital services and card): owner-customer €8/month, Omistaja Plus customer €3.95/month, other customers €13.25/month, an owner-customer aged 26-29 pays €4/month. Who can apply At least 18 years old, OP as the main bank, regular salary or pension income, sufficient ability to pay, properly managed finances and a permanent place of residence in Finland. Credit limit up to €20,000 Interest margin 8.95% Interest-free period 35 days How the interest is set 3-month Euribor + 8.95% when the credit has interest-bearing debt. Account management fee €3.50/month only on interest-bearing debt, paper invoice surcharge €3/invoice. Interest-free period on average 35 days. Credit limit €2,000-20,000. Travel insurance Pohjola Vakuutus travel insurance for the cardholder, the spouse and children under 25 travelling with them: traveller insurance (medical cover abroad, cancellation, interruption, delay and waiting cover, disability and death cover), baggage, travel liability and travel legal expenses insurance. Valid when at least 50% of the trip costs have been paid with Gold's credit feature and no more than 45 days have passed since the start of the trip. In addition, Lipputurva (ticket cover) for event tickets up to €1,000 without an excess and rental car insurance covering the excess up to €2,000. Purchase protection Tuoteturva (product cover): credit and debit purchases insured against breakage and theft for 365 days, excess €75, up to €2,000 per item (Pohjola Vakuutus). Lounge LoungeKey: 2 free visits per year (one can be given to a travel companion), after that €30/person. At Helsinki-Vantaa the OP Lounge and the Plaza Premium Lounge; not in the Aspire lounges at gates 13 and 27 or in Finnair's lounges. Cashback or points An owner-customer earns OP bonuses, for example, on the card's interest-bearing credit (from 1.1.2026). Withdrawals abroad Withdrawal in a currency other than euro from a bank account or card credit €2.00 + 2.75%; withdrawal in euros from card credit €2.00 + 2.75%. Other Emergency cash service, dedicated customer service available 24 h a day, K-Plussa feature can be added. Full product page OP Gold: price, benefits and terms
Säästöpankki Visa Gold Credit/DebitSäästöpankki, combined debit and credit cardexamples are not comparable	€8.00/month	2.75%	34.17%effective annual interest rate (APR) On Säästöpankki's product page: "The effective annual interest rate (APR) of card credit, calculated for a credit in use of €1,500, is 34.17% (9/26). The calculation takes into account the monthly invoicing fee of €4.00 and assumes that the savings-bank-specific monthly fee of the Visa Gold card is €8.00, the credit period is one year, the invoicing fee remains the same throughout the credit period and the credit is repaid in 12 equal instalments at monthly intervals."	Travel insurance from Inter Partner Assistance S.A./AXA (traveller, baggage, travel liability and travel legal expenses insurance) for cardholders under 80 and family members under 20 travelling along, valid domestically and abroad on holiday trips of up to 3 months regardless of how the trip was paid for.	LoungeKey: 3 free visits per calendar year (can also be used for a travel companion), additional visits €30/person.	No cashback.
Price The monthly fee is specific to each savings bank. Example bank Säästöpankki Optia (price list valid from 1.1.2026): €8.00/month; -25% for a preferred customer, -50% for a key customer and under 27s. Who can apply At least 18 years old, creditworthiness and regular income. Credit limit up to €20,000 Interest margin 10.50% How the interest is set 3-month Euribor + 10.5%, invoicing fee €4.00/invoice. Credit limit €4,000-20,000. Two payment-free months per year. No interest-free period is stated on the product page. Travel insurance Travel insurance from Inter Partner Assistance S.A./AXA (traveller, baggage, travel liability and travel legal expenses insurance) for cardholders under 80 and family members under 20 travelling along, valid domestically and abroad on holiday trips of up to 3 months regardless of how the trip was paid for. Rental car excess cover when the rental is paid with Gold's credit feature. The insurance provider changed on 31.12.2025. Purchase protection AIG's purchase protection insurance: products over €50 bought with the credit feature, 180 days, up to €2,500, no excess. Lounge LoungeKey: 3 free visits per calendar year (can also be used for a travel companion), additional visits €30/person. Cashback or points No cashback. Withdrawals abroad Säästöpankki Optia: cash withdrawals with the credit feature in euros or foreign currency €2.00 + 3%; from a bank account in foreign currency €2.00 + 2.5%. Other Your own picture can be chosen for the card, Visa's Eligible cards benefits. Full product page Säästöpankki Visa Gold Credit/Debit: price, benefits and terms
Aktia Platinum Credit/DebitAktia, combined debit and credit cardexamples are not comparable	€15.00/month	2.90%	46.90%effective annual interest rate (APR) On Aktia's product page: "The interest rate of the credit is 3-month Euribor + 9.75%, the account management fee €4.50/invoice and the monthly fee €15. The effective annual interest rate (APR) is 46.90% (calculated 09/2026, 3-month Euribor 2.593%) and the total amount payable is €1,836.12 under the stated assumptions." Assumptions: credit amount €1,500, credit period one year, 12 equal instalments.	Inter Partner Assistance SA/AXA leisure travel insurance for domestic and foreign trips of up to 90 days (domestically at least 50 km).	LoungeKey (1,200+ lounges): 4 free visits per year, additional visits €30/person.	No cashback.
Price Monthly fee €15. Aktia is switching its cards to Mastercard; the site has both a Visa and a Mastercard version at the same prices. Who can apply At least 18 years old, regular income, properly managed finances, no payment default entries; the card requires being an Aktia customer. Credit limit up to €20,000 Interest margin 9.75% How the interest is set 3-month Euribor + 9.75%, account management fee €4.50/invoice. Credit limit €2,000-20,000. No interest-free period is stated on the product page. Travel insurance Inter Partner Assistance SA/AXA leisure travel insurance for domestic and foreign trips of up to 90 days (domestically at least 50 km). Insured are the cardholder under 91, children under 20 travelling along and a spouse travelling together. Valid without paying with the card. Falck's travel emergency service. Rental car insurance covering the excess up to €2,000. Purchase protection No separate purchase protection insurance is mentioned on the product page. Lounge LoungeKey (1,200+ lounges): 4 free visits per year, additional visits €30/person. Cashback or points No cashback. Withdrawals abroad According to Aktia's price list, foreign-currency withdrawals €2.00 + 3% (debit). The price of withdrawals from the credit account was not checked. Other Emergency cash abroad. Full product page Aktia Platinum Credit/Debit: price, benefits and terms
Nordea PlatinumNordea, combined debit and credit cardexamples are not comparable	€16.99/month	2.50%	17.00%effective annual interest rate (APR) On Nordea's product page: "The effective annual interest rate (APR) of the Nordea Platinum credit card for a credit of €1,500 is 17%, when the reference rate 3-month Euribor is 2.08% (04/2026). The calculation has been made assuming that a free e-invoice is in use, that the credit is repaid in 12 instalments (€133) at monthly intervals and that the credit card's share of the card's monthly fee is €2.99. The calculation does not take into account the additional services included in the card's monthly fee. The estimated total cost of the credit is €1,632." For a Private Banking customer the example is 12.2%.	Tryg's travel insurance for domestic and foreign trips, valid even if the trip is not paid for with the card (domestically at least 100 km away).	Priority Pass: 6 free visits per year for the cardholder and a Fast Track benefit.	Cashback 0.5% on purchases paid with credit and 0.7% on foreign-currency purchases outside the euro area, up to €150 per calendar year in total.
Price €16.99/month without a package (incl. the card €2.99/month and additional services). Platinum package: Premium customers €5.99/month, Preferred customers, ages 18-27 and others €16.99/month. Premium customer status requires at least €100,000 in savings and investments or at least €400,000 in secured loans and investments in Nordea's funds or unit-linked insurance. Who can apply An adult Nordea customer, permanent place of residence in Finland, regular and sufficient income, well-managed finances and no payment default entry. Credit limit up to €50,000 Interest margin 9.50% Interest-free period 30 days How the interest is set 3-month Euribor + 9.5% when the credit is repaid in several instalments. 30-day interest-free period for purchases. Credit limit €10,000-50,000. Travel insurance Tryg's travel insurance for domestic and foreign trips, valid even if the trip is not paid for with the card (domestically at least 100 km away). Insured are the cardholder, the spouse (aged 16-78) and children under 19 living in the same household (students under 22). Covers, among other things, medical expenses up to €168,200 with no excess, baggage €1,680 (excess €50), cancellation or interruption €3,000, delay €1,700, dental care €400. Purchase protection Tuoteturva (product cover): products of €100-2,000 paid for with the credit feature, 180 days, excess €50, up to €12,000/year. Lounge Priority Pass: 6 free visits per year for the cardholder and a Fast Track benefit. Cashback or points Cashback 0.5% on purchases paid with credit and 0.7% on foreign-currency purchases outside the euro area, up to €150 per calendar year in total. Withdrawals abroad Withdrawals in euros from a bank account in EEA countries 4/month free of charge, after that €1; withdrawals in foreign currency €2.00 + 3%; withdrawals from card credit bear interest from the withdrawal date. Other Mastercard Priceless benefits, K-Plussa feature. Nordea Premium Mastercard and Finnair Plus Mastercard are no longer sold to new customers. Full product page Nordea Platinum: price, benefits and terms
Ålandsbanken Premium Gold (Premium Banking)Ålandsbanken, combined debit and credit cardexamples are not comparableeffective annual interest rate (APR) not published	€17.00/month	1.95%	not publishedeffective annual interest rate (APR) The provider does not publish an effective annual interest rate (APR) or an example calculation. According to the price list, credit interest rate 3-month Euribor + 9.5% (the general price for credit cards). Interest-free period of up to 40 days. Credit limit €1,000-10,000.	Zurich travel insurance for domestic and foreign trips worldwide, valid without paying with the card, until the cardholder turns 80.	Priority Pass: 4 visits per year (not included in the spouse's or the 18-29-year-olds' Premium Banking packages).	No cashback.
Price The card is available only in the Premium Banking service, whose monthly fee is €17.00/month (€8.50/month for a spouse); the card's monthly fee and the Prime account's monthly fee are included. No account management fee is charged. Who can apply According to the price list, Premium Banking suits a customer who has loans or investments worth at least €100,000. Credit information is checked when the card is applied for. Credit limit up to €10,000 Interest margin 9.50% Interest-free period 40 days How the interest is set According to the price list, credit interest rate 3-month Euribor + 9.5% (the general price for credit cards). Interest-free period of up to 40 days. Credit limit €1,000-10,000. Travel insurance Zurich travel insurance for domestic and foreign trips worldwide, valid without paying with the card, until the cardholder turns 80. Insured are a spouse travelling along, and children and grandchildren under 23. Purchase protection Purchase protection for 2 years and warranty extension up to five years from purchase, no excess; price protection in Finland for 30 days; identity theft insurance. Lounge Priority Pass: 4 visits per year (not included in the spouse's or the 18-29-year-olds' Premium Banking packages). Cashback or points No cashback. The card supports Baltic Sea protection. Withdrawals abroad Withdrawal in euros with the credit function €1.50 + 2%, in a currency other than euro €2.00 + 3%. Other Concierge service, Hole-in-One insurance, own Premium contact person. Full product page Ålandsbanken Premium Gold (Premium Banking): price, benefits and terms
American Express Gold CardAmerican Express, credit cardexamples are not comparable	€17.50/month	2.20%	0.00%effective annual interest rate (APR) On American Express's page: "The effective annual interest rate (APR) calculated for a credit in use of €4,500 is 0% (03.2024). The interest rate is 0%. The calculation has been made assuming that the customer uses an e-invoice, that no cash withdrawals or purchases requiring currency exchange have been made and that the credit is repaid in full in one payment as agreed. Membership fees charged for certain card types have not been included."	Comprehensive supplementary travel insurance for the whole family (including baggage delay, loss of personal belongings); insured amounts in the terms.	Priority Pass: 4 lounge visits per year (1,300+ lounges) and Lounge on-the-go.	Membership Rewards points on purchases; the accrual per euro is not stated on the Gold page.
Price Membership fee €17.50/month (€210/year). Who can apply American Express's card pages do not publish an income limit. The card is granted on the basis of a credit assessment, and because of the positive credit register a purchase limit is set on the card at the application stage. Issuer American Express Europe S.A. (Madrid). Interest rate 0.00% How the interest is set Payment card: the whole bill is paid monthly, and no interest is charged. Late-payment interest after the due date. Travel insurance Comprehensive supplementary travel insurance for the whole family (including baggage delay, loss of personal belongings); insured amounts in the terms. Purchase protection The maximum amounts of purchase protection are not stated on the product page. Lounge Priority Pass: 4 lounge visits per year (1,300+ lounges) and Lounge on-the-go. Cashback or points Membership Rewards points on purchases; the accrual per euro is not stated on the Gold page. Withdrawals abroad Cash withdrawal charge 4% of the amount withdrawn, at least €4.25/withdrawal. Other Dining by Amex restaurant experience for two once a year, 3 Member Invites. Full product page American Express Gold Card: price, benefits and terms
OP PlatinumOP, combined debit and credit cardexamples are not comparable	€50.00/month	2.50%	17.88%effective annual interest rate (APR) On OP's product page: "The effective annual interest rate (APR) for a credit of €2,000 is 17.88%, when the interest rate of the credit is 3-month Euribor + 8.95% (2.06%, 4/26), the card's monthly fee is €2.95, the account management fee is €3.50 per month and a free e-invoice is in use. The calculation does not take into account discounts received by an owner-customer or other discounts. The estimated total cost of the credit is €2,175.11." The calculation assumes a credit period of one year and 12 equal instalments. Note: the OP Platinum page has the same example as the other OP Visa cards, and the €2.95 in the example is the card's share of the monthly fee without additional services.	Pohjola Vakuutus travel insurance for the cardholder, the cohabiting or married spouse and children and grandchildren under 25 on domestic and foreign trips; valid without the trip being paid for with the card, when no more than 45 days have passed since the start of the trip.	Priority Pass: free access for the cardholder and three travel companions to Priority Pass lounges (OP's page mentions both over 1,400 and over 1,700 lounges).	Changing Platinum benefits about every two months; for an owner-customer, OP bonuses on interest-bearing credit.
Price The OP Platinum package €50.00/month includes the card (€2.95/month), the additional services linked to the card and the chosen invoicing method (including a paper invoice). An owner-customer price is not published separately. Note: €50/month is the price of the card package alone; with everyday banking services the same package costs an owner-customer €53/month and others €55.50/month (see Bank packages, OP Platinum). Who can apply At least 23 years old, a cooperative bank as the main bank, regular and sufficient salary or pension income or investment or deposit assets, properly managed finances, sufficient ability to pay and a permanent place of residence in Finland. Credit limit up to €20,000 Interest margin 8.95% Interest-free period 35 days How the interest is set 3-month Euribor + 8.95% when the credit has interest-bearing debt. Account management fee €3.50/month on interest-bearing debt. Interest-free period on average 35 days. Credit limit €2,000-20,000. Travel insurance Pohjola Vakuutus travel insurance for the cardholder, the cohabiting or married spouse and children and grandchildren under 25 on domestic and foreign trips; valid without the trip being paid for with the card, when no more than 45 days have passed since the start of the trip. Includes traveller, baggage, travel liability and travel legal expenses insurance. In addition, rental car insurance up to €5,000 and Lipputurva (ticket cover) up to €3,000. Purchase protection Tuoteturva (product cover) for 365 days, up to €2,000 per item, excess €75. Lounge Priority Pass: free access for the cardholder and three travel companions to Priority Pass lounges (OP's page mentions both over 1,400 and over 1,700 lounges). At Helsinki-Vantaa two Aspire lounges, the Plaza Premium Lounge and the OP Lounge. Cashback or points Changing Platinum benefits about every two months; for an owner-customer, OP bonuses on interest-bearing credit. Withdrawals abroad Withdrawal in a currency other than euro €2.00 + 2.75%; withdrawal from card credit €2.00 + 2.75%. Other F-Secure's data and identity protection (F-Secure Total and VPN), dedicated customer service available 24 h a day. Full product page OP Platinum: price, benefits and terms
American Express Platinum CardAmerican Express, credit cardexamples are not comparable	€65.00/month	2.20%	0.00%effective annual interest rate (APR) On American Express's page: "The effective annual interest rate (APR) calculated for a credit in use of €10,500 is 0% (03.2024). The interest rate is 0%. The calculation has been made assuming that the customer uses an e-invoice, that no cash withdrawals or purchases requiring currency exchange have been made and that the credit is repaid in full in one payment as agreed." The calculation is from 2024, and the membership fee has not been taken into account in it.	Particularly comprehensive travel insurance for the whole family; insured amounts in the Platinum insurance terms.	American Express Global Lounge Collection: 1,550+ lounges, the Pier Zero restaurant at Helsinki-Vantaa, Fast Track, Lounge on-the-go.	Membership Rewards: 2 Amex points/€ on all purchases and 4 points/€ with selected flight and hotel partners; points can be transferred to eight flight or hotel partners.
Price Membership fee €65/month (€780/year); from 1.11.2026 €75/month (€900/year). The Platinum parallel card is included. October Members Month promotion: 100,000 Amex points when applying by 3.11.2026, subject to conditions. Who can apply American Express's card pages do not publish an income limit. The card is granted on the basis of a credit assessment, and because of the positive credit register a purchase limit is set on the card at the application stage. Issuer American Express Europe S.A. (Madrid). Interest rate 0.00% How the interest is set A payment card with no credit option: the bill is paid in full monthly, and no interest or handling costs are charged. Late-payment interest after the due date. Travel insurance Particularly comprehensive travel insurance for the whole family; insured amounts in the Platinum insurance terms. Purchase protection Payment security and insurances according to the Platinum terms; no separate maximum amount for purchase protection is stated on the product page. Lounge American Express Global Lounge Collection: 1,550+ lounges, the Pier Zero restaurant at Helsinki-Vantaa, Fast Track, Lounge on-the-go. Cashback or points Membership Rewards: 2 Amex points/€ on all purchases and 4 points/€ with selected flight and hotel partners; points can be transferred to eight flight or hotel partners. According to Amex, the average accrual of current members corresponds to 1.54 Finnair Avios/€. Withdrawals abroad Cash withdrawal charge 4% of the amount withdrawn, at least €4.25/withdrawal. Other Dining by Amex dinner for two every other month, car rental benefits, 3 Member Invites. Full product page American Express Platinum Card: price, benefits and terms
Danske Bank Mastercard Gold Credit/DebitDanske Bank, combined debit and credit cardexamples are not comparablemonthly price not published	not published	2.25%	18.20%effective annual interest rate (APR) On Danske Bank's product page: "The interest rate of the Mastercard Gold Credit / Debit credit card is 3-month Euribor + 11%. The effective annual interest rate (APR) for a credit of €2,000 would be 18.2% and the estimated total cost of the credit €2,184.72. In the example calculation the credit limit is €2,000, the credit period is one year, the credit has been drawn in full, the total interest rate of the credit (13.3%) and the annual card fee (1.9% of the credit limit) remain the same throughout the credit period and the credit is repaid in 12 equal monthly instalments. The example has been calculated with interest rate information of 01.06.2026." Note: the SECCI form linked from the page was calculated in 12/2017 (margin 7.0%, effective annual interest rate 10.0%), so it does not match the current terms.	Moderna Försäkringar (Trygg-Hansa) travel insurance abroad, valid when at least 75% of the return trip and accommodation is paid with the credit side; family members travelling along are insured, maximum trip duration 90 days.	No lounge benefit.	No cashback or payment-method benefit on the Gold card.
Price Annual card fee 1.9% of the credit limit, up to €150/year (cards agreed from 1.9.2019); the fee includes invoicing fees, card changes, cash withdrawals from the credit account and a parallel card. Because the fee depends on the credit limit, there is no fixed annual price. Who can apply Issuing the card requires an approved credit decision; Danske Bank checks personal credit information from Suomen Asiakastieto and the positive credit register. Apply in the online bank. Credit limit up to €10,000 Interest margin 11.00% Interest-free period 43 days How the interest is set 3-month Euribor + 11%. Interest-free period for purchases on average 43 days. Credit limit from €2,000, up to €10,000. Travel insurance Moderna Försäkringar (Trygg-Hansa) travel insurance abroad, valid when at least 75% of the return trip and accommodation is paid with the credit side; family members travelling along are insured, maximum trip duration 90 days. Covers, among other things, medical expenses and repatriation with no euro upper limit, cancellation and interruption €5,000, baggage €2,500 (excess €50), baggage delay €1,000, waiting up to €500, dental care €150, legal assistance €10,000. Purchase protection Purchase and cash withdrawal cover: theft of or damage to an item bought with the credit feature within 180 days, up to €3,000 per event and €9,000 during the card's validity; cash robbed within 12 hours of withdrawal up to €500 (€2,000/3 yrs). Lounge No lounge benefit. Cashback or points No cashback or payment-method benefit on the Gold card. Withdrawals abroad Cash withdrawals from the credit account are included in the annual card fee; foreign-currency withdrawals on the debit side €2.00 + 3.0%. Other The Gold everyday banking package also includes a separate debit card. Full product page Danske Bank Mastercard Gold Credit/Debit: price, benefits and terms
Danske Bank Mastercard Platinum Credit/DebitDanske Bank, combined debit and credit cardexamples are not comparablemonthly price not published	not published	2.25%	15.90%effective annual interest rate (APR) On Danske Bank's product page: "The interest rate of the Mastercard Platinum Credit / Debit credit card is 3-month Euribor + 9%. The effective annual interest rate (APR) for a credit of €4,000 would be 15.9% and the estimated total cost of the credit €4,324.50. In the example calculation the credit limit is €4,000, the credit period is one year, the credit has been drawn in full, the total interest rate of the credit (11.3%) and the annual card fee (1.9% of the credit limit) remain the same throughout the credit period and the credit is repaid in 12 equal monthly instalments. The example has been calculated with interest rate information of 01.06.2026." Premium customer's example on the same page: effective annual interest rate (APR) 11.9%, total cost €4,248.50, card fee €0.	Moderna Försäkringar (Trygg-Hansa) travel insurance abroad, valid when at least 75% of the return trip and accommodation is paid with the credit side; family members travelling along are insured, maximum trip duration 90 days.	Priority Pass (6 free visits per year) is included only in the cards of Private Banking, Premium and Akava recent-graduate customers and business customers.	Payment-method benefit 0.5% on credit-side purchases, paid to the current account annually on 1.12.; at most the amount of daily and financial service fees paid during the review period, minimum credit €5.
Price Annual card fee 1.9% of the credit limit, up to €150/year (cards agreed from 1.9.2019); the fee includes invoicing fees, card changes, cash withdrawals from the credit account and a parallel card. Because the fee depends on the credit limit, there is no fixed annual price. In the Premium customer's example calculation the annual card fee is €0; Platinum for Private Banking customers €150/year. Who can apply An approved credit decision; personal credit information is checked from Suomen Asiakastieto and the positive credit register. Priority Pass and the €0 card fee require Premium or Private Banking customer status. Interest margin 9.00% Interest-free period 43 days How the interest is set 3-month Euribor + 9%. Interest-free period for purchases on average 43 days. The upper limit of the credit limit is not published on the product page. Travel insurance Moderna Försäkringar (Trygg-Hansa) travel insurance abroad, valid when at least 75% of the return trip and accommodation is paid with the credit side; family members travelling along are insured, maximum trip duration 90 days. Covers, among other things, medical expenses and repatriation with no euro upper limit, cancellation and interruption €5,000, baggage €2,500 (excess €50), baggage delay €1,000, waiting up to €500, dental care €150, legal assistance €10,000, liability damages €100,000. Purchase protection Purchase and cash withdrawal cover: theft of or damage to an item bought with the credit feature within 180 days, up to €3,000 per event and €9,000 during the card's validity; cash robbed within 12 hours of withdrawal up to €500 (€2,000/3 yrs). Lounge Priority Pass (6 free visits per year) is included only in the cards of Private Banking, Premium and Akava recent-graduate customers and business customers. All Platinum cardholders get free access, with one guest, to the Danske Bank Aviator Business Lounge at Copenhagen Airport. Cashback or points Payment-method benefit 0.5% on credit-side purchases, paid to the current account annually on 1.12.; at most the amount of daily and financial service fees paid during the review period, minimum credit €5. A Premium and Private Banking customer can exchange the payment-method benefit for the Finnair Plus Silver tier or 4,000 Avios. Withdrawals abroad Cash withdrawals from the credit account are included in the annual card fee; foreign-currency withdrawals on the debit side €2.00 + 3.0%. Other The Platinum everyday banking package also includes a separate debit card. Full product page Danske Bank Mastercard Platinum Credit/Debit: price, benefits and terms
Resurs GoldResurs Bank, credit cardexamples are not comparablemonthly price not published	not published	1.75%	24.64%effective annual interest rate (APR) On Resurs Bank's page (card invoice of €1,800): "Payment option 5% ... Handling fee/month: 0.28% of the credit limit, Annual interest rate: 17.50%, Effective annual interest rate (APR): 24.64%, Cost of the credit: €555.96, Monthly instalment: €90.25, Total amount payable: €2,355.96." Other options: 10% monthly instalment, effective annual interest rate (APR) 17.25%; 6-month interest-free instalment plan: "Card purchase €1,800 / 6 months interest-free instalment period. Monthly instalment €305.10, 6 instalments, credit cost €5.10/month. Effective annual interest rate (APR) 2.54%. Total cost of the credit €1,825.50." effectiveAprPercent is the most expensive (5%) option.	Tryg's travel insurance for you and all family members travelling along, when at least 50% of the travel costs are paid with the Resurs credit card.	No lounge benefit.	No cashback.
Price The product page does not state the card's monthly or annual fee. A handling fee of 0.28% of the credit limit per month is charged only if the account has a debt balance. Who can apply Permanent employment, no payment defaults, properly managed finances and registered in Finland. Credit limit up to €5,000 Interest rate 17.50% Interest-free period 60 days How the interest is set Payment options: in one payment at the end of the following month (no costs), a 6-month interest-free instalment plan (handling fee 0.28% of the credit limit/month), a 10% monthly instalment (annual interest rate 12.90%) or a 5% monthly instalment (annual interest rate 17.50%). Interest-free period 30-60 days. Credit up to €5,000. Travel insurance Tryg's travel insurance for you and all family members travelling along, when at least 50% of the travel costs are paid with the Resurs credit card. Insured amounts are on the insurer's pages. Purchase protection No purchase protection insurance mentioned. Lounge No lounge benefit. Cashback or points No cashback. Withdrawals abroad Cash withdrawal fee €4 + 1% of the amount withdrawn. Other Resurs Bank AB (publ), Finnish branch; registered office Helsingborg, Sweden. Full product page Resurs Gold: price, benefits and terms

Cap on consumer credit interest

The interest rate cap is 17.50% for the period 1 July 2026-31 December 2026. The interest on consumer credit may not be agreed higher than the reference rate under section 12 of the Interest Act plus 15 percentage points, and the interest may in no case exceed 20 percent. The reference rate for 1.7.-31.12.2026 is 2.5 percent, so the interest rate cap during that period is 17.5 percent. If the lender breaks the interest rate cap, the consumer does not have to pay any interest or other credit costs at all.

Sources: Finlex: kuluttajansuojalaki 38/1978, 7 luku 17 a §; Suomen Pankki: korkolain mukainen viitekorko 1.7.-31.12.2026 (tiedote 30.6.2026).

The effective annual interest rate (APR) and why the example is shown

The effective annual interest rate (APR) expresses the total cost of the credit as a yearly rate, and it is calculated with an example chosen by the provider. The amount of credit in the example, the loan period and whether the card's monthly fee is included all affect the figure, so the same row always carries the provider's own example word for word. The banks' effective annual interest rate (APR) examples are not comparable with each other: the credit amount and the loan period vary, and in some examples the card's monthly fee is included in the calculation and in others it is not. Compare the figures only if the assumptions of the example are the same. Pankkitutka does not rank credit cards by effective annual interest rate (APR).

Sources: Finlex: kuluttajansuojalaki 38/1978, 7 luku 8 §; KKV: luottojen vertailu- ja kilpailutuspalvelun sekä luottotarjousten markkinoinnissa annetut tiedot.

Notice on advertising links

Pankkitutka has no advertising links for credit products: the links always go to the provider's own site. Pankkitutka is not a credit intermediary and does not give credit advice. Huomio! Luoton ottaminen maksaa. (English translation: Note: taking out credit costs money.)

Providers (17)

Revolut: Revolut Plus, Revolut Premium, Revolut Metal, Revolut Ultra
N26: N26 Smart, N26 Go, N26 Metal
bunq: bunq Core, bunq Pro, bunq Elite
S-Bank: S-Etukortti Visa Credit
OP: OP Gold, OP Platinum
Nordea: Nordea Gold, Nordea Platinum
Danske Bank: Danske Bank Mastercard Gold Credit/Debit, Danske Bank Mastercard Platinum Credit/Debit
Säästöpankki: Säästöpankki Visa Gold Credit/Debit
POP Bank: POP Visa Gold
Aktia: Aktia Platinum Credit/Debit
Ålandsbanken: Ålandsbanken Premium Gold (Premium Banking)
Aktia (Finnair): Finnair Visa Credit, Finnair Visa Credit Light
Bank Norwegian: Bank Norwegian credit card (Visa)
Morrow Bank: Morrow Bank Mastercard
Resurs Bank: Resurs Gold
American Express: American Express Platinum Card, American Express Gold Card
Klarna: Klarna Plus, Klarna Premium, Klarna Max

Method

On 16.10.2026 we collected the prices, credit terms and benefits of the paid bank account tiers and the premium, gold and platinum cards sold in Finland from the providers' own product pages, price lists, card terms and standard European consumer credit information (SECCI). Figures from comparison sites or news articles were not used. The effective annual interest rate (APR) and its example calculation are quoted word for word as published by the provider, because the assumptions of the example (credit amount, loan period, monthly and billing fees) have a decisive effect on the figure; for that reason the APRs of different banks cannot be compared directly without the examples. The monthly fee is the list price without membership, customer-tier or package discounts; member and package prices are given separately. The annual fee is shown only if the provider publishes an annual price. In the Säästöpankki and POP Bank groups prices are set by each bank, so the example banks are Säästöpankki Optia and Suomen Osuuspankki. The travel insurance descriptions are summaries of the product pages and insurance terms; the conditions and limitations of a claim are always in the insurance terms. If a figure is not published, the value is empty (null) and the reason is given. Terms change often, so check the current information with the provider before applying.

Data checked 16 October 2026. Check current terms and prices with the provider. See also bank packages compared and private banking. Open data: premium.json.

Frequently asked questions

Which premium account tier is the cheapest with travel insurance?

In October 2026 the cheapest account tier that includes travel insurance costs €9.90/month: N26 Go. The comparison covers only account tiers without credit, and the content and terms of the insurance are in the insurance terms.

Which account tier has the lowest currency conversion markup?

In October 2026 the lowest currency conversion markup on card payments is 0.00%: Revolut Plus, Revolut Premium, Revolut Metal, Revolut Ultra, N26 Smart, N26 Go, N26 Metal, Klarna Plus, Klarna Premium and Klarna Max. The markup is the bank's or service's own addition on top of the Visa or Mastercard rate; weekend and monthly limits are given on the product page. Limits: Revolut Plus: Currency exchange on weekdays with no extra charge up to €3,000/month, above that a 0.5% fair usage fee; at weekends 0.5%. 20% discount on Revolut's international transfer prices. Personal Plus card.

Which premium cards include lounge access?

In October 2026 free lounge visits or unlimited access are offered by Revolut Ultra, N26 Metal, OP Gold (Effective annual interest rate (APR) 17.88% (example: On OP's product page: "The effective annual interest rate (APR) for a credit of €2,000 is 17.88%, when the interest rate of the credit is 3-month Euribor + 8.95% (2.06%, 4/26), the card's monthly fee is €2.95, the account management fee is €3.50 per month and a free e-invoice is in use. The calculation does not take into account discounts received by an owner-customer or other discounts. The estimated total cost of the credit is €2,175.11." The calculation assumes a credit period of one year and 12 equal instalments. Note: OP uses the same example for all its Visa cards, and the €2.95 in the example is the card's share of the monthly fee without additional services)), OP Platinum (Effective annual interest rate (APR) 17.88% (example: On OP's product page: "The effective annual interest rate (APR) for a credit of €2,000 is 17.88%, when the interest rate of the credit is 3-month Euribor + 8.95% (2.06%, 4/26), the card's monthly fee is €2.95, the account management fee is €3.50 per month and a free e-invoice is in use. The calculation does not take into account discounts received by an owner-customer or other discounts. The estimated total cost of the credit is €2,175.11." The calculation assumes a credit period of one year and 12 equal instalments. Note: the OP Platinum page has the same example as the other OP Visa cards, and the €2.95 in the example is the card's share of the monthly fee without additional services)), Nordea Platinum (Effective annual interest rate (APR) 17.00% (example: On Nordea's product page: "The effective annual interest rate (APR) of the Nordea Platinum credit card for a credit of €1,500 is 17%, when the reference rate 3-month Euribor is 2.08% (04/2026). The calculation has been made assuming that a free e-invoice is in use, that the credit is repaid in 12 instalments (€133) at monthly intervals and that the credit card's share of the card's monthly fee is €2.99. The calculation does not take into account the additional services included in the card's monthly fee. The estimated total cost of the credit is €1,632." For a Private Banking customer the example is 12.2%)), Säästöpankki Visa Gold Credit/Debit (Effective annual interest rate (APR) 34.17% (example: On Säästöpankki's product page: "The effective annual interest rate (APR) of card credit, calculated for a credit in use of €1,500, is 34.17% (9/26). The calculation takes into account the monthly invoicing fee of €4.00 and assumes that the savings-bank-specific monthly fee of the Visa Gold card is €8.00, the credit period is one year, the invoicing fee remains the same throughout the credit period and the credit is repaid in 12 equal instalments at monthly intervals.")), POP Visa Gold (Effective annual interest rate (APR) 22.52% (example: On POP Bank's product page: "The effective annual interest rate (APR) for a credit of €2,000 is 22.52%, when the interest rate of the credit is 3-month Euribor + 11.5% (3-month Euribor 2.608% on 1.9.2026), the account management fee is €4 per month and the paper invoice fee is €2 per month. The estimated total cost of the credit is €2,228.16." The calculation assumes a credit period of one year and 12 equal instalments. Note: the example does not mention the card's monthly fee)), Aktia Platinum Credit/Debit (Effective annual interest rate (APR) 46.90% (example: On Aktia's product page: "The interest rate of the credit is 3-month Euribor + 9.75%, the account management fee €4.50/invoice and the monthly fee €15. The effective annual interest rate (APR) is 46.90% (calculated 09/2026, 3-month Euribor 2.593%) and the total amount payable is €1,836.12 under the stated assumptions." Assumptions: credit amount €1,500, credit period one year, 12 equal instalments)), Ålandsbanken Premium Gold (Premium Banking) (no effective annual interest rate (APR) has been published), American Express Platinum Card (Effective annual interest rate (APR) 0.00% (example: On American Express's page: "The effective annual interest rate (APR) calculated for a credit in use of €10,500 is 0% (03.2024). The interest rate is 0%. The calculation has been made assuming that the customer uses an e-invoice, that no cash withdrawals or purchases requiring currency exchange have been made and that the credit is repaid in full in one payment as agreed." The calculation is from 2024, and the membership fee has not been taken into account in it)), American Express Gold Card (Effective annual interest rate (APR) 0.00% (example: On American Express's page: "The effective annual interest rate (APR) calculated for a credit in use of €4,500 is 0% (03.2024). The interest rate is 0%. The calculation has been made assuming that the customer uses an e-invoice, that no cash withdrawals or purchases requiring currency exchange have been made and that the credit is repaid in full in one payment as agreed. Membership fees charged for certain card types have not been included.")) and Klarna Max. The number of visits and the terms vary, and some of the benefit applies only to cards of a certain customer level.

What is the cap on consumer credit interest?

In October 2026 The interest on consumer credit may not be agreed higher than the reference rate under section 12 of the Interest Act plus 15 percentage points, and the interest may in no case exceed 20 percent. The reference rate for 1.7.-31.12.2026 is 2.5 percent, so the interest rate cap during that period is 17.5 percent. If the lender breaks the interest rate cap, the consumer does not have to pay any interest or other credit costs at all. Source: Finlex: kuluttajansuojalaki 38/1978, 7 luku 17 a §; Suomen Pankki: korkolain mukainen viitekorko 1.7.-31.12.2026 (tiedote 30.6.2026).

Can the effective annual interest rates (APR) of credit cards be compared with each other?

In October 2026 The banks' effective annual interest rate (APR) examples are not comparable with each other: the credit amount and the loan period vary, and in some examples the card's monthly fee is included in the calculation and in others it is not. Compare the figures only if the assumptions of the example are the same. Pankkitutka does not rank credit cards by effective annual interest rate (APR).