There are a few things to consider when looking for a free credit card in Sweden. The first is that most cards will require that you have a Swedish bank account. The second is that you will need to be a Swedish resident. The third is that you might need to have a good credit score.
The biggest thing to consider is what type of card you want. There are two main types of credit cards in Sweden: charge cards and credit cards. Charge cards allow you to spend up to your limit and then pay the balance in full at the end of each month. Credit cards, on the other hand, allow you to carry a balance from month to month, but you will be charged interests on the outstanding balance. Read more about this for credit cards in Norway.
There are a few charge cards that do not have any annual fees, but they usually have lower credit limits and may not be suitable if you are looking to make large purchases. There are also a few credit cards with no annual fees, but they tend to have higher interest rates.
When it comes to finding a free credit card in Sweden, your best bet is to look for a card with no annual fee and a low-interest rate. You can find this information by reading the cardholder agreement or contacting the customer service number listed on the back of the card.
Swedish credit cards for expats
If you are not a Swedish resident, you may still be able to get a credit card from a Swedish bank. However, you will likely have to pay an annual fee. You can find a list of Swedish banks that offer credit cards to non-residents on the Swedish Bankers’ Association website.
If you want to get a credit card from a Swedish bank but do not have a Swedish bank account, you can use a service like TransferWise. With TransferWise, you can send money from your home country to your Swedish bank account and then use that money to pay for things in Sweden.
Mobile payment services in Sweden
In addition to credit and debit cards, there are a few mobile payment services that you can use in Sweden. To use mobile pay you will be required to have a mobile subscription.
Apple Pay is accepted by many stores and restaurants in Sweden. To use Apple Pay, you need an iPhone 6 or later with iOS 11 or later.
Google Pay is also accepted by many stores and restaurants in Sweden. To use Google Pay, you need an Android device with NFC capability and running Android 4.4 or higher.
Samsung Pay is accepted by many stores and restaurants in Sweden. To use Samsung Pay, you need a Samsung Galaxy device with NFC capability. Check the best mobile operators here.
Is it still possible to pay with cash in Sweden?
Yes, it is still possible to pay with cash in Sweden. However, many stores and restaurants now accept card payments only. For example if you go to a restaurant, you may have to pay with a card even if you have the cash to pay for your meal.
This is mainly because it is easier and faster for the store or restaurant to process card payments. It also reduces the risk of theft and fraud.
You will see the same in many Scandinavian countries and for an expat that can sometimes be frustrating as many expats are used to paying with cash in their respective countries.
Conclusion
There are a few things to consider when looking for a free credit card in Sweden. The first is that most cards will require that you have a Swedish bank account. The second is that you will need to be a Swedish resident, and the third is that you might need to have a good credit score.
