Credit card

Nordea Gold

Cash back

MASTERCARD

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Credit card Nordea Mastercard

Card review

Nordea Gold

4.0 8.0/10 DebitCue Score Verified Jun 20, 2026

Nordea's most popular Mastercard with travel insurance and cashback (from May 2026)

Fee: €5.99 EUR/mo (≈ $6); €0.99/month with Nordea Premium, Value or 18-27 packages. €6.99/month with other packages.
Purchase APR: from 22.1%
Interest-free: 30 days
Foreign fee: 2.5%

Rewards

0.5% cashback on all credit purchases (from May 1, 2026). 1.0% cashback at restaurants, cafés, concerts, festivals, sporting events, museums and amusement parks (seasonal promotion). Maximum €150 cashback per calendar year. Cashback credited monthly to credit account. K-Plussa loyalty integration available.

Our verdict

What stands out, and where it falls short.

What we like

0.5% cashback on all credit purchases (from May 1,…
Travel insurance included
Pay in installments

Worth weighing

€5.99 EUR/mo (≈ $6) card fee
2.5% foreign transaction fee

Who It Is For

Whether the Nordea Gold fits how you actually spend.

Pick it if you are

Frequent travelers
People who want rewards on their spending
People who pay big purchases off over time

Skip it if you are

Light spenders who won't beat the €5.99 EUR/mo (≈ $6) fee
Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in EUR.

Card fee: €5.99 EUR/mo (≈ $6)
Purchase APR: from 22.1%
Interest-free period: 30 days
Foreign transaction fee: 2.5%
Monthly fee (standalone): €5.99/month
Interest rate (nominal): 3-month Euribor + 13.90%
APR (example, April 2026): 22.1% on €1,500 outstanding balance
Foreign currency conversion fee: 2.50%

Rewards and features

Rewards: 0.5% cashback on all credit purchases (from May 1, 2026). 1.0% cashback at restaurants, cafés, concerts, festivals, sporting events, museums and amusement parks (seasonal promotion). Maximum €150 cashback per calendar year. Cashback credited monthly to credit account. K-Plussa loyalty integration available.
Installments: Flexible instalment percentage 3–100%; two instalment-free months per year.
Pay with: Apple Pay, Google Pay, Contactless, Virtual card
Credit limit (new cards from May 2026): €5,000–€10,000
Cashback rate: 0.5% on all credit purchases; capped at €150/year; available from May 1, 2026

Benefits and perks

Extras that come bundled with the card.

International Travel Insurance

Covers international leisure travel when 75%+ of travel costs paid with the card's credit facility. Underwritten by Tryg.
Product Safety Insurance

Covers damage to items €100+ purchased with the card

Eligibility

What you need before you apply.

Minimum age: 18 years, permanent Finland resident, regular income, clean credit record

Nordea Gold: your questions answered

How much does the Nordea Gold cost?

The Nordea Gold costs €5.99 EUR/mo (≈ $6). €0.99/month with Nordea Premium, Value or 18-27 packages. €6.99/month with other packages..

What rewards does the Nordea Gold earn?

The Nordea Gold earns 0.5% cashback on all credit purchases (from May 1, 2026). 1.0% cashback at restaurants, cafés, concerts, festivals, sporting events, museums and amusement parks (seasonal promotion). Maximum €150 cashback per calendar year. Cashback credited monthly to credit account. K-Plussa loyalty integration available..

Does the Nordea Gold charge foreign transaction fees?

Yes - the Nordea Gold charges a 2.5% foreign transaction fee.

Is there an interest-free period on the Nordea Gold?

Yes - up to 30 days interest-free when you pay your balance in full by the due date.

What is the interest rate on the Nordea Gold?

The Nordea Gold has a purchase APR of from 22.1%.

Can I pay in installments with the Nordea Gold?

Yes - Flexible instalment percentage 3–100%; two instalment-free months per year..

Is the Nordea Gold a credit, debit or prepaid card?

The Nordea Gold is a credit card issued by Nordea on the Mastercard network.

Does the Nordea Gold support Apple Pay and Google Pay?

Yes - the Nordea Gold works with both Apple Pay and Google Pay.