SAS EuroBonus, SEB Kort Bank AB and American Express

SAS EuroBonus Mastercard and Amex SAS EuroBonus Cards

SAS EuroBonus Mastercard and Amex SAS EuroBonus cards are Sweden travel rewards cards for earning EuroBonus Bonus points on everyday spending. The card family includes no-fee and premium options, with benefits such as welcome bonus points, travel insurance, 2-for-1 award travel vouchers, Fly Premium on Mastercard Premium, and higher points earning for frequent SAS and SkyTeam travellers.

rewards, travel, shoppingBest for Swedish customers who want to earn SAS EuroBonus points from everyday spending Frequent SAS and SkyTeam travellers Customers who want travel rewards instead of cashback Customers who can use 2-for-1 award travel vouchers Customers who prefer choosing between Mastercard acceptance and American Express reward rates

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SAS EuroBonus Mastercard and Amex SAS EuroBonus Cards

Highlights

Main benefits

Earn SAS EuroBonus Bonus points on everyday purchases
SAS Amex Classic has 0 kr annual fee
SAS Amex Classic earns 10 Bonus points per 100 kr spent
SAS Amex Premium earns 15 Bonus points per 100 kr spent
SAS Amex Elite earns 20 Bonus points per 100 kr spent
SAS Amex Elite earns 6 Level points per 100 kr spent
SAS EuroBonus Mastercard earns up to 20 Bonus points per 100 kr spent
SAS EuroBonus Mastercard Premium earns up to 25 Bonus points per 100 kr spent
SAS EuroBonus Mastercard Premium includes Fly Premium access
SAS EuroBonus Mastercard Premium has unlimited point earning
SAS Amex Premium includes worldwide 2-for-1 travel after 150,000 kr annual spend
SAS Amex Elite includes worldwide 2-for-1 travel twice per year after 300,000 kr annual spend
Travel insurance is available on selected variants

Fees

Fees and charges

Joining fee

From 0 kr annual fee

Renewal fee

From 0 kr annual fee

Annual fee waiver

SAS Amex Classic has 0 kr annual fee

SAS Amex Premium costs 150 kr per month

SAS Amex Elite costs 575 kr per month

SAS EuroBonus Mastercard costs 258 kr for the first year and 515 kr per year after that

SAS EuroBonus Mastercard Premium costs 2,335 kr per year

Who can apply

Eligibility

Resident of Sweden
SAS EuroBonus membership required
Applicant must meet issuer age and credit requirements
Valid Swedish personal identity number required
Subject to SEB Kort Bank AB or American Express credit assessment and approval
Mastercard applications are available to residents of Sweden, Denmark, and Norway
American Express SAS EuroBonus applications are available to residents of Sweden and Norway

Checklist

Documents required

Swedish personal identity number
Valid identification for BankID verification
SAS EuroBonus membership number
Income and employment details
Address and contact details
Additional documents requested by SEB Kort Bank AB or American Express during application review

Process

How to apply

1. Visit the SAS EuroBonus payment cards Sweden page

2. Compare the Mastercard and American Express SAS EuroBonus card options

3. Choose the card variant that matches your annual spending and travel needs

4. Join SAS EuroBonus or use your existing EuroBonus membership number

5. Continue to the selected issuer application page

6. Enter your personal, income, contact, and EuroBonus details

7. Complete identity verification and issuer credit assessment

8. Activate the approved card and link it to your SAS EuroBonus account

Value

Reward and cashback structure

Reward rate

SAS Amex Classic: 10 Bonus points per 100 kr spent

SAS Amex Premium: 15 Bonus points per 100 kr spent

SAS Amex Elite: 20 Bonus points per 100 kr spent

SAS Amex Elite: 6 Level points per 100 kr spent

SAS EuroBonus Mastercard: up to 20 Bonus points per 100 kr spent

SAS EuroBonus Mastercard Premium: up to 25 Bonus points per 100 kr spent

SAS EuroBonus Mastercard Premium: Level points earned on 25% of monthly Bonus points earned

SAS Amex Classic: 2-for-1 travel within Europe after 100,000 kr annual spend

SAS Amex Premium: 2-for-1 worldwide travel after 150,000 kr annual spend

SAS Amex Elite: 2-for-1 worldwide travel twice per year after 300,000 kr annual spend

Cashback

Not available

Rewards are earned as SAS EuroBonus Bonus points and travel benefits instead of cashback

Good fit

Pros

Strong rewards value for SAS and SkyTeam travellers
Multiple card variants for different budgets
No-fee option available through SAS Amex Classic
High points earning on premium variants
2-for-1 award travel vouchers can be valuable for frequent travellers
Mastercard options offer wider merchant acceptance than American Express
Premium Mastercard includes Fly Premium access
Travel insurance is available on selected variants

Watchouts

Cons

Not a cashback card
Best value depends on using SAS EuroBonus points for travel
Premium variants have high monthly or annual fees
American Express acceptance can be lower than Mastercard acceptance
2-for-1 travel vouchers require high annual spending thresholds
Taxes and fees still apply on award travel
Credit approval is required

Bank Norwegian

Bank Norwegian Credit Card

Bank Norwegian Credit Card is a no-annual-fee credit card in Sweden with a flexible bonus programme. Cardholders can choose between 0.5% cashback on almost all purchases or CashPoints for Norwegian travel, along with included travel insurance, up to 45 days interest-free credit, fee-free purchases, and a credit limit of up to 150,000 kr.

0 kr annual fee
5% cashback on almost all purchases
Option to earn CashPoints instead of cashback

Joining fees

0 kr annual fee

Renewal fees

0 kr annual fee

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re:member

re:member flex

re:member flex is a no-annual-fee Swedish credit card focused on online shopping discounts and flexible credit. It offers discounts through re:member reward at more than 300 online stores, monthly Superdealen offers, up to 56 days interest-free credit, up to 120,000 kr credit limit, and complementary travel insurance with cancellation cover.

0 kr annual fee
Discounts through re:member reward at more than 300 online stores
Monthly Superdealen discounts at selected partners

Joining fees

0 kr annual fee

Renewal fees

0 kr annual fee

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Coop and Entercard

Coop Mastercard Mer

Coop Mastercard Mer is a Swedish shopping rewards credit card for Coop members. It earns Coop bonus points on purchases, gives extra value on Coop shopping, includes welcome bonus points, first-year annual fee savings, travel insurance, purchase protection benefits, and partner offers through Superdealen.

Coop shopping rewards credit card for Sweden
Earn Coop bonus points on card purchases
Extra value for Coop members shopping at Coop

Joining fees

0 kr first year

Renewal fees

295 kr per year after the first year

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SEB

SEB Corporate

SEB Corporate is a Swedish corporate charge card without a purchase limit for company expenses. It gives businesses a consolidated invoice, up to 45 days interest-free credit, complementary travel insurance, Priority Pass membership for airport lounge access, Mastercard Business Bonus offers, and tools for cardholder purchase and receipt management.

Corporate charge card for Swedish businesses
No purchase limit on the card
Purchases can be collected on one consolidated invoice

Joining fees

495 kr per year with 10-day payment term

Renewal fees

495 kr per year with 10-day payment term or 595 kr per year with 20-day payment term

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AirPlus and SEB Kort

AirPlus Corporate Card

AirPlus Corporate Card is a corporate payment card for Swedish companies that need business travel and expense management. It supports employee card payments, real-time transaction visibility, digital receipts, spending controls, portal-based administration, and app-based cardholder tools for managing purchases, invoices, receipts, PIN, card blocking, and replacement card requests.

Corporate card for Swedish business travel and expense management
Former Eurocard corporate services operate under the AirPlus brand
AirPlus Portal supports administrator and cardholder access

Joining fees

Not specified

Renewal fees

Not specified

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Qred Bank

Qred VISA Business Card

Qred VISA Business Card is a Swedish business credit card designed for small business owners and everyday company purchases. It offers 1% cashback on purchases, no monthly or annual fee, free additional company cards, Apple Pay and Google Pay support, digital receipt saving in the Qred app, and a personalised credit limit for business expenses.

Business credit card designed for small business owners
1% cashback on all purchases with Qred VISA
No monthly or annual fee

Joining fees

0 kr monthly or annual fee

Renewal fees

0 kr monthly or annual fee

View Details

Compare

Compare Cards

Card 1Card 2

Field	SAS EuroBonus Mastercard and Amex SAS EuroBonus Cards	Bank Norwegian Credit Card
Bank/provider	SAS EuroBonus, SEB Kort Bank AB and American Express	Bank Norwegian
Joining fee	From 0 kr annual fee	0 kr annual fee
Renewal fee	From 0 kr annual fee	0 kr annual fee
Best for	Swedish customers who want to earn SAS EuroBonus points from everyday spending Frequent SAS and SkyTeam travellers Customers who want travel rewards instead of cashback	Swedish customers who want simple cashback with no annual fee Customers who prefer choosing between cashback and CashPoints Frequent Norwegian travellers who want to earn travel rewards
Reward rate	SAS Amex Classic: 10 Bonus points per 100 kr spent SAS Amex Premium: 15 Bonus points per 100 kr spent SAS Amex Elite: 20 Bonus points per 100 kr spent SAS Amex Elite: 6 Level points per 100 kr spent	0.5% cashback on almost all purchases 0.5% CashPoints earning on purchases in Sweden CashPoints can be used for flights with Norwegian Up to 45 days interest-free credit
Cashback	Not available Rewards are earned as SAS EuroBonus Bonus points and travel benefits instead of cashback	5% cashback on almost all purchases Cashback can be used to pay the credit card invoice Cardholder can choose cashback or CashPoints as the bonus programme Cashback earning also works when paying by mobile or smartwatch
Lounge access	SAS EuroBonus Mastercard Premium includes Fly Premium access with SAS Lounge access on eligible award trips SAS Amex Premium lounge access depends on flying SAS Plus or SAS Business Additional lounge access depends on card variant, itinerary, and EuroBonus status	Not specified
Fuel surcharge waiver	Not available	Not available
Welcome benefit	SAS Amex Premium: 10,000 Bonus points welcome bonus SAS Amex Elite: 30,000 Bonus points welcome bonus SAS EuroBonus Mastercard: 3,000 Bonus points welcome bonus	Not specified
Annual fee waiver condition	SAS Amex Classic has 0 kr annual fee SAS Amex Premium costs 150 kr per month SAS Amex Elite costs 575 kr per month	No annual fee
Eligibility	Resident of Sweden SAS EuroBonus membership required Applicant must meet issuer age and credit requirements	Resident of Sweden Applicant must be at least 23 years old No active debt collection cases
Apply link	Apply Now	Apply Now

SAS EuroBonus Mastercard and Amex SAS EuroBonus Cards

Main benefits

Fees and charges

Eligibility

Documents required

How to apply

Reward and cashback structure

Pros

Cons

Related cards

Bank Norwegian Credit Card

re:member flex

Coop Mastercard Mer

SEB Corporate

AirPlus Corporate Card

Qred VISA Business Card

Compare Cards