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Why is it a good idea to pay for travel with a credit card in Norway?

Claims against the card issuer, travel insurance and interest-free days.

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Short answer

Paying for travel by credit card gives you extra protection, because Norwegian law lets you claim against the card issuer if the seller does not deliver what you paid for. Many Norwegian credit cards also include travel and cancellation insurance when the trip is paid with the card. You also get up to 45 interest-free days.

Bank cards and fees a payment card tapping a terminal, a phone with a simple payment icon and one krone coin

Why

  1. Under section 2-7 of the Financial Contracts Act (finansavtaleloven), a consumer can raise the same purchase claims against the card issuer as against the seller, as Fana Sparebank's credit card terms set out.
  2. Bank Norwegian includes travel and cancellation insurance when at least 75% of the trip is paid with its card, while SpareBank 1 requires at least half of the transport cost.
  3. Banks such as SpareBank 1 and Bank Norwegian give up to 45 days of interest-free credit on card purchases.

Details

You must first complain to the seller and notify the card issuer as soon as reasonably possible. The issuer's liability is limited to the amount you have paid with the card. SpareBank 1 also covers the excess on a rental car when the whole rental is paid with its credit card.

Tip

Read your own card's insurance terms before you book, because the share of the trip you must pay with the card differs between banks.

What may differ

The right to claim against the card issuer applies when you act as a consumer. Interest-free days only help if you pay the full bill by the due date.

People also ask

  • Why pay for a trip with a credit card?
  • What are the benefits of paying by credit card?

Sources

This answer is for reference only. Terms can change, so check your card issuer's terms before you book.

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