Credit Cards

Best Credit Cards in Finland 2026

Zia· Apr 18, 2026· 3 min read

Disclosure: Buzdy may earn commission when you apply via our links. Our rankings remain independent — see our methodology. Last updated: April 2026.

Looking for the best Credit Cards in Finland? We have compared 3 Credit Cards from top banks in Finland to help you find the right one for your needs.

This guide covers fees, rates, benefits, and eligibility requirements. All data is sourced from official bank product listings and updated regularly.

Top 3 Credit Cards in Finland (2026)

1. Elite Credit Mastercard

Bank: Aktia Bank

Interest Rate: 1.42% per month
Salary/Eligibility: Not Required
Benefits: Chip/Pin, Supplementary Cards

Established in 1825 as a savings bank, Aktia Bank Plc now operates as a universal commercial bank.

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2. op gold

Bank: op bank

Interest Rate: 1.42% per month
Salary/Eligibility: Not Required
Benefits: Travel Benefits, Purchase Protection, Chip/Pin, Supplementary Cards, Interest Free Days

Established in 1902, OP Yrityspankki Oyj (formerly OP Corporate Bank) is a Finnish financial services company, providing banking, non-life insurance, and asset management services to private, corporat

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3. visa credit kortti

Bank: säästöpankki sparbanken

Interest Rate: 1.42% per month
Salary/Eligibility: Not Required
Benefits: Travel Benefits, Purchase Protection, Chip/Pin, Supplementary Cards, Interest Free Days

Sp-Kiinnitysluottopankki Oyj (Sp Mortgage Bank plc) is a wholly owned mortgage bank belonging to Savings Banks Group (Säästöpankkiryhmä).

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How to Choose a Credit Card in Finland

Annual fees — compare across banks, some offer zero fee for the first year
Interest rates — lower rates save money if you carry a balance
Rewards and benefits — match to your spending habits
Eligibility — salary and documentation requirements vary by bank
Digital access — mobile app, internet banking, contactless payments
Regulation — all products listed are from banks regulated by central bank

Frequently Asked Questions

What is the best Credit Card in Finland for 2026?

The best option depends on your needs and spending. Compare all 3 options listed above using the View Full Details button. Consider fees, rates, rewards, and eligibility.

What are the eligibility requirements?

Requirements vary by bank and product tier. Generally you need a valid ID, proof of income, and an existing bank relationship. Premium products may require higher minimum salary.

Can I apply online?

Many banks in Finland now offer online applications. Click View Full Details on any product to check application options.

Are there any hidden fees?

Always read the full terms. Common charges include annual fees, late payment fees, foreign transaction fees, and cash advance fees. All known fees are listed on each product detail page.

What payment methods are popular in Finland?

Besides cards, popular payment methods include cards and digital payments.

Compare all Credit Cards in Finland →

How We Compare Best Credit Cards in Finland 2026

Our editorial team reviews each credit card based on annual fees, interest rates, rewards programs, eligibility requirements, and user reviews. We update this comparison regularly to reflect the latest offers from banks in Finland. Data is sourced from official bank websites and verified against regulatory filings where available.

Buzdy compares products from 527 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.

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