Bank Norwegian
- Maksimiluotto 15 000 €
- Vuosimaksu 0 €
- Todellinen vuosikorko 20,15 %
Top List: Best Credit Cards 2025
Bank Norwegian
Lisää kortti vertailuun- Maksimiluotto 15 000 €
- Vuosimaksu 0 €
- Todellinen vuosikorko 20,15 %
Instabank luottokortti
Lisää kortti vertailuun- Maksimiluotto 25 000 €
- Vuosimaksu 0 €
- Todellinen vuosikorko 20,75 %
Morrow Bank Luottokortti
Lisää kortti vertailuun- Maksimiluotto 10 000 €
- Vuosimaksu 0 €
- Todellinen vuosikorko 20,15 %
Ferratum Mastercard
Lisää kortti vertailuun- Maksimiluotto 8 000 €
- Vuosimaksu 0 €
- Todellinen vuosikorko 20,15 %
Lainasto Ostosraha
Lisää kortti vertailuun- Maksimiluotto 3 000 €
- Vuosimaksu 0 €
- Todellinen vuosikorko 27,86 %
Saldo luottokortti
Lisää kortti vertailuun- Maksimiluotto 2 000 €
- Vuosimaksu 0 €
- Todellinen vuosikorko 27,86 %
Revolut Premium
Lisää kortti vertailuun- Vuosimaksu 84 €
- Nostokulu 2,00 %
- Valuutan lisämaksu 0 %
Revolut Standard
Lisää kortti vertailuun- Vuosimaksu 0 €
- Nostokulu 2,00 %
- Valuutan lisämaksu 0 %
N26 You
Lisää kortti vertailuun- Vuosimaksu 119 €
- Nostokulu 0 %
- Valuutan lisämaksu 0 %
N26 Metal
Lisää kortti vertailuun- Maksimiluotto 0 €
- Vuosimaksu 203 €
- Todellinen vuosikorko 0,00 %
Revolut Metal
Lisää kortti vertailuun- Vuosimaksu 156 €
- Nostokulu 2,00 %
- Valuutan lisämaksu 0 %
Some of Our Partners
Here at Luottokortit.com, we always ensure that you, our visitors, can quickly and easily find the credit card that suits your needs and preferences. We do this by listing all credit cards and reviewing them completely impartially. We cover all types of credit cards and debit cards available on the market in 2025, such as travel credit cards, rewards cards, fuel cards, and much more. In our guide section, we have also gathered a wealth of information on everything you might need to know when applying for and using a credit card.
We have built Luottokortit.com in a way that makes it both fast and easy to compare credit cards as well as find and apply for a credit card. We cover a wide range of topics through our guides and provide impartial reviews of all credit cards in Finland. Below, we have listed the benefits of using us when you want to compare and find the best credit card.
How Do I Choose the Right Credit Card?
At Luottokortit.com, different credit cards are compared based on several factors. Each card is presented with a summary and a more detailed review to help you choose the one that best suits your lifestyle and needs. With their detailed comparisons and reviews, you can feel confident in your credit card choice. You can also try the credit card guide and find a card that fits your needs.
Comprehensive Reviews of Credit Cards
Each card we list on Luottokortit.com is impartially reviewed by one of our writers. We always cover all aspects of a card in our reviews, from costs and interest-free days to bonuses, cashback, insurance, and much more. We also always review loyalty programs, examine insurance offerings, and investigate whether there are any hidden fees associated with the cards.
Our reviews are the best way for you to quickly dive deep into a card and determine if it’s something that suits you. In each review, you can also read our users' own opinions and thoughts about the cards, as well as the user ratings. If you have one of the credit cards we've reviewed, you can also leave your rating and share your thoughts in the comment section under the review.
All Card Categories Gathered in One Place
Here at Luottokortit.com, we have chosen to categorize the credit cards. By dividing the credit cards into categories, it becomes easier for you to navigate to the niche of cards that suit your interests and needs.
Within all categories, you can quickly compare credit cards that match the category name. For example, under travel cards, you’ll find cards that offer benefits before and during your trip, such as bonuses and insurance. You will also find credit cards with low interest rates, virtual credit cards, credit cards with high credit limits, and free credit cards with no annual fee among our categories.
Quick Comparison of Credit Cards
Comparing and finding a good credit card doesn't have to be difficult or take a long time. Here at Luottokortit.com, we place a strong focus on user-friendliness through lists and reviews that highlight the most important aspects of each credit card. This allows you to quickly sort out the credit cards that match your preferences and then start comparing their pros and cons. There are several aspects you should consider when comparing credit cards in Finland to get the best possible understanding of the cards.
Below are some of the aspects of a credit card that you should take a closer look at when comparing cards.
- Interest Rate – The interest rate we list in our card lists is the annual percentage rate (APR) that is applied if you choose to pay off your monthly bill in instalments.
- Fees – In addition to the annual interest rate when paying the monthly bill in instalments, there may also be other fees. These fees can include everything from paper invoice charges to annual fees, currency surcharges, and withdrawal fees.
- Benefits – Credit cards can come with few or many benefits. These range from insurance and fuel discounts to bonuses, lounge access, and concierge services. Different types of credit cards come with different kinds of benefits.
Learn Everything About Credit Cards in Our Guide Section
Whether you already have several credit cards or are completely inexperienced, there is always more to learn about credit cards. In our guide section, you can explore all aspects of a credit card. We have divided our guide section into four main categories, which are as follows:
- Credit cards and payments – Basic guides that cover topics such as blocking a card, instalment payments for bills, and much more.
- Loyalty programs and cashback – Guides on various bonus programs and cashback. We cover different types of cashback, how loyalty programs work, and more.
- Insurance – Travel insurance, payment protection insurance, and much more. Here you will find all the information about the insurance and protection offered through credit cards.
- Finance – Here we inform you about how different interest rates and costs associated with credit cards work. If you're unsure about what you may need to pay for a card, this is the category for you.
Different Types of Cards, Credit Card Issuers and Banks
How the Banks Make Money From Your Credit Card
Banks make money from your credit card in several ways:
- Annual fees: Many credit cards have an annual fee that the cardholder pays to use the card.
- Interest income: When you don't pay off your full balance by the due date, interest starts to apply to the outstanding amount. This interest is an important source of income for banks.
- Transaction fees: Banks charge a fee from the merchant every time you use your credit card. This fee is called a transaction fee or merchant fee, and it is often a percentage of the purchase amount.
- Late fees and other penalty charges: If you pay your bill late, exceed your credit limit, or otherwise fail to adhere to the card agreement, the bank may charge late fees or other penalty charges.
- Costs for additional services: Banks can also make money from various add-on services linked to the credit card, such as travel insurance, cancellation protection, and similar services, which they offer for an additional cost.
Through these various fees and interest income, banks generate revenue from the credit cards they issue.
How to Apply for a Credit Card
Choose the Credit Card that Suits your Needs and Requirements
There is an extremely wide range of different credit and prepaid cards here at Luottokortit.com. Before applying, it is important to choose a card that matches your intended usage habits and financial situation. Use our comparisons and take some extra time to compare credit cards against each other. This way, you can find a credit card that suits you and that you are confident will meet your needs.
Submit an Application for Your Chosen Card
Through our card list or card reviews, you can proceed directly to the card issuer's application form by clicking on "Apply now." You will always be directed to the card issuers' websites, which use multiple security solutions to ensure that applying for a credit card is safe.
Wait for a Response to Your Application
Once your application is submitted, the card issuer will request a credit report on you. The credit report is used to assess your ability to repay. If no issues are found in the report and you meet the basic requirements, you have a good chance of being approved for your credit card. The time it takes to receive a response varies between different card issuers, but you will usually receive a decision within 1-2 business days.
When It Is Worth Getting a Credit Card
There are several reasons and situations when it’s worth getting a credit card:
- Get more out of all your everyday purchases through bonuses, discounts, insurance, and cashback.
- Greater flexibility in payments with interest-free days and free installment options.
- Avoid fees abroad with a credit card that has no foreign exchange fee and withdrawal fee, if you travel frequently.
- Increase financial security by using your credit card as a financial buffer for unexpected expenses.
- It becomes easier to book a rental car, as the majority of rental car companies require a credit card for the deposit.
- You get a clearer overview of all your expenses, as all card purchases are collected in a monthly invoice.
Compare Credit Cards
 |  |  | |
|---|---|---|---|
| Kortti | Bank Norwegian | Morrow Bank Luottokortti | Instabank luottokortti |
| Vuosimaksu | 0 € | 0 € | 0 € |
| Todellinen vuosikorko | 20,15 % | 20,15 % | 20,75 % |
| Maksimiluotto | 15 000 € | 10 000 € | 25 000 € |
| Ilmainen rinnakkaiskortti | Kyllä | Ei | Ei |
| Hyvät puolet |
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|
| Huonot puolet |
|
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| Lue lisää | Huonot puolet | Huonot puolet | Huonot puolet |
| Hae! | Hae! | Hae! | Hae! Laina 5 000 euroa, nimelliskorko 16,9 %, todellinen vuosikorko 20,75 %. Kuukausierä 12 kk takaisinmaksuajalla on 461 euroa. Kulut 503 euroa, yhteensä 5 530 euroa. |
Compare All Cards
We take great pride in making it easy for you, our visitors, to find the best credit cards without any difficulty. First and foremost, it is important to determine what matters to you when looking for a good credit card. Only then can you use our lists and filters to compare credit cards and find the one that matches your needs and requirements.
In our complete list of all the credit cards we have reviewed here on Luottokortit.com, you can freely choose the cards that interest you and compare them. This is also a great way for you to discover new credit cards that you might not have come across before!
Compare Credit Cards
By clicking the "compare cards" box at the top right corner, you can compare multiple cards in a clear and structured way.
- Instabank credit card– Credit card with monthly discounts and up to €25,000 in credit limit.
- Morrow Bank – Free credit card with bonus on all purchases. Up to €10,000 in credit limit and 50 interest-free days.
- Bank Norwegian – Free travel card with flight bonus. Up to €15,000 in credit limit and 45 interest-free days.
- Ferratum Mastercard – Credit card with no annual fee that can be used virtually. Up to €8,000 in credit limit and 60 interest-free days.
What Is a Credit Card?
A credit card means that you have a purchasing limit for a specific amount to shop with. The credit is a type of loan that you need to repay. You have a certain number of days to repay the amount to get the "loan" for free. You can also choose to pay off the amount over a longer period with an interest charge.
Which Card Should You Choose?
You should choose the card that best suits you and your spending habits. This means that different cards benefit different people depending on their needs and preferences. This ensures that everyone can find a card that suits them. We help you find the card that works best for you by providing detailed reviews.
Should You Have a Credit Card?
Not everyone should have a credit card. Many people struggle to manage a credit card and should therefore use a debit card instead. It is a big risk to use a credit card if you spend more than you can afford. Therefore, you should only use a credit card if you have control over your own finances.
Is It Worth Getting a Credit Card?
Many credit cards have an annual fee. For it to be worth getting the credit card, you would ideally want to save more money than it costs. Therefore, it might be smart to calculate how much you spend each month to get an idea of how much you can save with the credit card.
What is Payment Protection?
Payment protection is an insurance that helps cover your credit card debts if you are unable to pay them off yourself. This can happen if, for example, you lose your job, become ill, or suffer an accident that prevents you from working.
What is a Parallel Card?
A parallel card is an extra credit card linked to the same account as the primary credit card. Here is an overview of what an additional card is and who can get it:
- Linked to the Main Card: An parallel card is connected to the primary credit card and shares the same credit limit and account.
- Separate Cards: Although it is linked to the main account, each card can have its own card number and is reported separately on the monthly statement.
- Features: The parallel card can have the same features and benefits as the primary card, including reward programs, discounts, and insurance.
Who Can Get an Parallel Card?
- Family Members: It is common to give a parallel card to a spouse, partner, or other close family member. This can be practical for sharing the credit limit and managing family expenses.
- Adult Children: Some credit card companies offer additional cards to adult children, which can be a way to provide financial assistance without needing to open a separate account.
- Employees: Companies may sometimes apply for parallel cards for employees who travel for business purposes or have other work-related expenses.
Benefits of Credit Cards
- Travel insurance: Many credit cards offer automatic travel insurance that covers everything from lost luggage to medical expenses abroad.
- Other insurances: In addition to travel insurance, some credit cards include other types of insurance such as purchase protection and income loss insurance.
- Reward programs: Many credit cards offer points or cashback on purchases, which can be used for travel, shopping, or other rewards.
- Discounts: Credit cards can provide discounts at specific stores, restaurants, or services, which can save money over time.
- Security: Credit cards offer protection against fraud and theft, and you are usually not liable for unauthorized purchases.
- Instalments & interest-free periods: The ability to pay off purchases in instalments or take advantage of interest-free periods offers financial flexibility.
- Control over your finances: Credit card statements provide detailed information about your expenses, helping you track your finances and budgeting.
- Always available credit: Credit cards provide access to a credit reserve that can be used for unexpected expenses or in emergencies.
Disadvantages of Credit Cards
- Can create high costs: If you don't pay off your full balance on time, the interest rates can become very high, causing the debt to grow quickly and potentially becoming difficult to manage.
- Can encourage instalment payments: The ability to pay for purchases in instalments can lead to buying more than you can afford and accumulating debt that may become hard to repay.
- Annual fees and withdrawal fees: Some credit cards come with annual fees and charges for cash withdrawals, which can increase the overall cost of using the card.
- Same income required next month: If you have a high credit limit and spend a lot, you are often expected to have a sufficiently high income to pay off the full balance each month. If your income fluctuates, it can become difficult to manage payments.