Nordea Black
Cash back
Nordea Black
Nordea - Mastercard - Credit card
4.7
4.7 out of 5
9.4/10
Apply now
Head-to-head
Nordea Black vs Nordea Credit
Compare Nordea Black and Nordea Credit side by side: fees, rewards, APR, and perks.
Last verified
Nordea Credit
No rewards
Nordea Credit
Nordea - Mastercard - Credit card
3.5
3.5 out of 5
7.0/10
Apply now
Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | Nordea Black | Nordea Credit |
|---|---|---|
| Card fee | No fee | €2.99 EUR/mo (≈ $3) |
| Purchase APR (from) | - | 23.3% |
| Interest-free period | 30 days | 30 days |
| Foreign transaction fee | 2.5% | 2.5% |
| Rewards | 0.5% cashback on all credit purchases (from September 1, 2025); 0.7% on foreign currency purchases outside the euro area; 1.0% at restaurants, cafés, concerts, festivals, sporting events, museums and amusement parks. Annual cap €150 per card per calendar year. | K-Plussa loyalty card linkage available. Mastercard Priceless benefit gives exclusive access to presale tickets for concerts and events. |
| Installments | Flexible instalment percentage; two instalment-free months per year. | Flexible instalment percentage 3–100% of balance; two instalment-free months annually. |
| No card fee | - | |
| No foreign transaction fee | - | - |
| Welcome bonus | - | - |
| Airport lounge access | - | |
| Travel insurance | - | |
| Apple Pay / Google Pay |
Which is right for you
Pick by how you spend
- Choose the Nordea Black if its checked rows above line up with how you spend most.
- Choose the Nordea Credit if it wins on the features that matter most to you.
- Still unsure? Read each full review below, then apply on the issuer's secure site.
Want a different match-up?
Line up any two cards side by side, or browse the full list to find your next card.