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Nordea Black vs Trade Republic Card (Virtual)

Compare Nordea Black and Trade Republic Card (Virtual) side by side: fees, rewards, APR, and perks.

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Compared side by side

Cells with a check mark are the stronger value in that row. Ties stay unmarked.

Nordea Black versus Trade Republic Card (Virtual) compared by attribute
Feature Nordea Black Trade Republic Card (Virtual)
Card fee No fee No fee
Purchase APR (from) - -
Interest-free period 30 days -
Foreign transaction fee 2.5% 0%
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. 1% Saveback on eligible card spending (up to €1,500/month, capped at €15/month), automatically invested into a savings plan of your choice. Requires a minimum €50/month recurring savings plan to activate. Crypto-funded spending earns 2% Saveback (capped at €30/month). Round-up investing: transactions rounded to the nearest euro with the difference (multiplied 1×–10×) invested weekly.
Installments Flexible instalment percentage; two instalment-free months per year. -
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 Trade Republic Card (Virtual) 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.
Full review Nordea Black Full review Trade Republic Card (Virtual)

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