{"id":42714,"date":"2020-04-23T14:41:09","date_gmt":"2020-04-23T12:41:09","guid":{"rendered":"https:\/\/financer.se\/?page_id=42714"},"modified":"2024-09-20T10:38:53","modified_gmt":"2024-09-20T08:38:53","slug":"gratis","status":"publish","type":"page","link":"https:\/\/financer.se\/kreditkort\/gratis\/","title":{"rendered":"Gratis kreditkort"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"Jmfr_gratis_kreditkort_utan_rsavgift\">J\u00e4mf\u00f6r gratis kreditkort (utan \u00e5rsavgift)<\/h2>\n\n\n\n<p>Vill du veta vilket gratis kreditkort som ger mest f\u00f6rm\u00e5ner 2024? Vi har unders\u00f6kt och j\u00e4mf\u00f6rt de b\u00e4sta gratis kreditkorten s\u00e5 att du enkelt kan v\u00e4lja det som passar dina behov b\u00e4st.<\/p>\n\n\n\n<p>Vi f\u00f6rklarar ocks\u00e5 vilka faktorer du b\u00f6r \u00f6verv\u00e4ga n\u00e4r du v\u00e4ljer ett gratis kreditkort, hur du undviker potentiella dolda avgifter, och vilka vanliga missar du b\u00f6r se upp f\u00f6r.<\/p>\n\n\n\n<ul>\n<li>B\u00e4sta kreditkorten som \u00e4r gratis 2024<\/li>\n\n\n\n<li>Viktiga saker att t\u00e4nka p\u00e5 n\u00e4r du leter efter kort utan avgift<\/li>\n\n\n\n<li>F\u00f6rdelar och nackdelar med gratis kreditkort<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Jmfrelse_av_bsta_kreditkort_utan_avgift_fn_date_formatY_\">J\u00e4mf\u00f6relse av b\u00e4sta kreditkort utan avgift 2024 <\/h2>\n\n\n                                <div class=\"comparison-table__binder\">\n                <div class=\"comparison-table__dots is-hidden-tablet\">\n                    <div class=\"comparison-table__dot comparison-table__dot--big\"><\/div>\n                    <div class=\"comparison-table__dot\"><\/div>\n                    <div class=\"comparison-table__dot\"><\/div>\n                <\/div>\n                <div class=\"comparison-table__relative \">\n                    <div class=\"comparison-table__scroll \">\n                        <table class=\"comparison-table \" js-data-comparison-table=\"\"\n                               js-data-affiliate-on-top=\"false\">\n                            <thead>\n                                <tr>\n                                    <th>\n                                        <span data-sorting=\"logo\"  data-sorting-type=\"asc\" class=\"comparison-table__title\">\n                                            F\u00f6retag                                        <\/span>\n                                    <\/th>\n                                    \n                                    <th> <span data-sorting=\"card-name\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"Kortnamn\">Kortnamn<\/span><\/th><th> <span data-sorting=\"annual-fee\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"\u00c5rlig kostnad\">\u00c5rlig kostnad<\/span><\/th><th> <span data-sorting=\"currency-conversion-fee\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"Valutap\u00e5slag\">Valutap\u00e5slag<\/span><\/th><th> <span data-sorting=\"card-system\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"Korttyp\">Korttyp<\/span><\/th><th> <span data-sorting=\"atm-transaction-fee\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"Avgift bankomat:\">Avgift bankomat:<\/span><\/th>                                    <th>\n                                        <span data-sorting=\"affiliate\" class=\"comparison-table__title comparison-table__title--button\">\n                                            Ans\u00f6k h\u00e4r                                        <\/span>\n                                    <\/th>\n                                <\/tr>\n                            <\/thead>\n                            <tbody>\n                                <tr class=\"comparison-table__row\"  data-columns=\"8\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Norwegian Kreditkort\"\n                data-product-id=\"3870\">\n                \n                <a target=\"_blank\" data-url_param_t=\"card_products\" data-url_param_unq=\"\"  data-url_param_pid=\"3870\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.se\/kort\/norwegian-kortet\/redirect\/\">\n                    <img decoding=\"async\" title=\"Norwegian Kreditkort\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/1687180389124824.png\" alt=\"Norwegian Kreditkort\">\n                <\/a><\/td><td data-sorting=\"card-name\" data-sorting-value=\"Norwegian Kreditkort\">Norwegian Kreditkort<\/td><td data-sorting=\"annual-fee\" data-sorting-value=\"0\">0<\/td><td data-sorting=\"currency-conversion-fee\" data-sorting-value=\"1,75 %\">1,75 %<\/td><td data-sorting=\"card-system\" data-sorting-value=\"Visa\">Visa<\/td><td data-sorting=\"atm-transaction-fee\" data-sorting-value=\"0 kr\">0 kr<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.se\/kort\/norwegian-kortet\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"3870\" data-url_param_t=\"card_products\"\n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Ans\u00f6k h\u00e4r<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"8\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Lunar Standard\"\n                data-product-id=\"31279\">\n                \n                <a target=\"_blank\" data-url_param_t=\"card_products\" data-url_param_unq=\"\"  data-url_param_pid=\"31279\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.se\/kort\/lunar\/redirect\/\">\n                    <img decoding=\"async\" title=\"Lunar Standard\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/lunar-debitkort.png\" alt=\"Lunar Standard\">\n                <\/a><\/td><td data-sorting=\"card-name\" data-sorting-value=\"Lunar Standard\">Lunar Standard<\/td><td data-sorting=\"annual-fee\" data-sorting-value=\"0\">0<\/td><td data-sorting=\"currency-conversion-fee\" data-sorting-value=\"0 %\">0 %<\/td><td data-sorting=\"card-system\" data-sorting-value=\"Master Card\">Master Card<\/td><td data-sorting=\"atm-transaction-fee\" data-sorting-value=\"9 kr (kr och Euro) 19 kr (\u00f6vriga valutor)\">9 kr (kr och Euro) 19 kr (\u00f6vriga valutor)<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.se\/kort\/lunar\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"31279\" data-url_param_t=\"card_products\"\n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Ans\u00f6k h\u00e4r<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"8\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"N26 Standard\"\n                data-product-id=\"30538\">\n                \n                <a target=\"_blank\" data-url_param_t=\"card_products\" data-url_param_unq=\"\"  data-url_param_pid=\"30538\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.se\/kort\/n26-standard\/redirect\/\">\n                    <img decoding=\"async\" title=\"N26 Standard\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/n26-standard.jpg\" alt=\"N26 Standard\">\n                <\/a><\/td><td data-sorting=\"card-name\" data-sorting-value=\"N26 Standard\">N26 Standard<\/td><td data-sorting=\"annual-fee\" data-sorting-value=\"0\">0<\/td><td data-sorting=\"currency-conversion-fee\" data-sorting-value=\"0 %\">0 %<\/td><td data-sorting=\"card-system\" data-sorting-value=\"Master Card\">Master Card<\/td><td data-sorting=\"atm-transaction-fee\" data-sorting-value=\"1,7 % i alla valutor utom Euro (F\u00f6r Euro: 3 gratis uttag\/m\u00e5nad, d\u00e4refter 2\u20ac per uttag)\">1,7 % i alla valutor utom Euro (F\u00f6r Euro: 3 gratis uttag\/m\u00e5nad, d\u00e4refter 2\u20ac per uttag)<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.se\/kort\/n26-standard\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"30538\" data-url_param_t=\"card_products\"\n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Ans\u00f6k h\u00e4r<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"8\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Revolut Standard\"\n                data-product-id=\"22903\">\n                \n                <a target=\"_blank\" data-url_param_t=\"card_products\" data-url_param_unq=\"\"  data-url_param_pid=\"22903\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.se\/kort\/revolut-standard\/redirect\/\">\n                    <img decoding=\"async\" title=\"Revolut Standard\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/revolut-standard.jpg\" alt=\"Revolut Standard\">\n                <\/a><\/td><td data-sorting=\"card-name\" data-sorting-value=\"Revolut Standard\">Revolut Standard<\/td><td data-sorting=\"annual-fee\" data-sorting-value=\"0\">0<\/td><td data-sorting=\"currency-conversion-fee\" data-sorting-value=\"0%-0,5%\">0%-0,5%<\/td><td data-sorting=\"card-system\" data-sorting-value=\"Master Card\">Master Card<\/td><td data-sorting=\"atm-transaction-fee\" data-sorting-value=\"0 kr\">0 kr<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.se\/kort\/revolut-standard\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"22903\" data-url_param_t=\"card_products\"\n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Ans\u00f6k h\u00e4r<\/a><\/td><\/tr>                            <\/tbody>\n                        <\/table>\n                    <\/div>\n                                        <table class=\"comparison-table comparison-table--mobile  is-hidden-tablet\"\n                           js-data-comparison-table=\"\" js-data-affiliate-on-top=\"false\">\n                        <thead>\n                            <tr>\n                                <th style=\"width: 125px\">\n                                    <span data-sorting=\"logo\"  data-sorting-type=\"asc\" class=\"comparison-table__title\">\n                                        F\u00f6retag                                    <\/span>\n                                <\/th>\n                                <th>\n                                    <span data-sorting=\"rating\" data-sorting-type=\"asc\" class=\"comparison-table__title\">\n                                        Allm\u00e4nt betyg                                    <\/span>\n                                <\/th>\n                                <th> <span data-sorting=\"card-name\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"Kortnamn\">Kortnamn<\/span><\/th><th> <span data-sorting=\"annual-fee\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"\u00c5rlig kostnad\">\u00c5rlig kostnad<\/span><\/th><th> <span data-sorting=\"currency-conversion-fee\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"Valutap\u00e5slag\">Valutap\u00e5slag<\/span><\/th><th> <span data-sorting=\"card-system\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"Korttyp\">Korttyp<\/span><\/th><th> <span data-sorting=\"atm-transaction-fee\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"Avgift bankomat:\">Avgift bankomat:<\/span><\/th>                                <th>G\u00e5 vidare                                <\/th>\n                            <\/tr>\n                        <\/thead>\n                        <tbody>\n                            <tr class=\"comparison-table__row\"  data-columns=\"8\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Norwegian Kreditkort\"\n                data-product-id=\"3870\">\n                \n                <a target=\"_blank\" data-url_param_t=\"card_products\" data-url_param_unq=\"\"  data-url_param_pid=\"3870\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.se\/kort\/norwegian-kortet\/redirect\/\">\n                    <img decoding=\"async\" title=\"Norwegian Kreditkort\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/1687180389124824.png\" alt=\"Norwegian Kreditkort\">\n                <\/a><\/td><td data-sorting=\"card-name\" data-sorting-value=\"Norwegian Kreditkort\">Norwegian Kreditkort<\/td><td data-sorting=\"annual-fee\" data-sorting-value=\"0\">0<\/td><td data-sorting=\"currency-conversion-fee\" data-sorting-value=\"1,75 %\">1,75 %<\/td><td data-sorting=\"card-system\" data-sorting-value=\"Visa\">Visa<\/td><td data-sorting=\"atm-transaction-fee\" data-sorting-value=\"0 kr\">0 kr<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.se\/kort\/norwegian-kortet\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"3870\" data-url_param_t=\"card_products\"\n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Ans\u00f6k h\u00e4r<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"8\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Lunar Standard\"\n                data-product-id=\"31279\">\n                \n                <a target=\"_blank\" data-url_param_t=\"card_products\" data-url_param_unq=\"\"  data-url_param_pid=\"31279\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.se\/kort\/lunar\/redirect\/\">\n                    <img decoding=\"async\" title=\"Lunar Standard\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/lunar-debitkort.png\" alt=\"Lunar Standard\">\n                <\/a><\/td><td data-sorting=\"card-name\" data-sorting-value=\"Lunar Standard\">Lunar Standard<\/td><td data-sorting=\"annual-fee\" data-sorting-value=\"0\">0<\/td><td data-sorting=\"currency-conversion-fee\" data-sorting-value=\"0 %\">0 %<\/td><td data-sorting=\"card-system\" data-sorting-value=\"Master Card\">Master Card<\/td><td data-sorting=\"atm-transaction-fee\" data-sorting-value=\"9 kr (kr och Euro) 19 kr (\u00f6vriga valutor)\">9 kr (kr och Euro) 19 kr (\u00f6vriga valutor)<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.se\/kort\/lunar\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"31279\" data-url_param_t=\"card_products\"\n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Ans\u00f6k h\u00e4r<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"8\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"N26 Standard\"\n                data-product-id=\"30538\">\n                \n                <a target=\"_blank\" data-url_param_t=\"card_products\" data-url_param_unq=\"\"  data-url_param_pid=\"30538\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.se\/kort\/n26-standard\/redirect\/\">\n                    <img decoding=\"async\" title=\"N26 Standard\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/n26-standard.jpg\" alt=\"N26 Standard\">\n                <\/a><\/td><td data-sorting=\"card-name\" data-sorting-value=\"N26 Standard\">N26 Standard<\/td><td data-sorting=\"annual-fee\" data-sorting-value=\"0\">0<\/td><td data-sorting=\"currency-conversion-fee\" data-sorting-value=\"0 %\">0 %<\/td><td data-sorting=\"card-system\" data-sorting-value=\"Master Card\">Master Card<\/td><td data-sorting=\"atm-transaction-fee\" data-sorting-value=\"1,7 % i alla valutor utom Euro (F\u00f6r Euro: 3 gratis uttag\/m\u00e5nad, d\u00e4refter 2\u20ac per uttag)\">1,7 % i alla valutor utom Euro (F\u00f6r Euro: 3 gratis uttag\/m\u00e5nad, d\u00e4refter 2\u20ac per uttag)<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.se\/kort\/n26-standard\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"30538\" data-url_param_t=\"card_products\"\n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Ans\u00f6k h\u00e4r<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"8\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Revolut Standard\"\n                data-product-id=\"22903\">\n                \n                <a target=\"_blank\" data-url_param_t=\"card_products\" data-url_param_unq=\"\"  data-url_param_pid=\"22903\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.se\/kort\/revolut-standard\/redirect\/\">\n                    <img decoding=\"async\" title=\"Revolut Standard\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/revolut-standard.jpg\" alt=\"Revolut Standard\">\n                <\/a><\/td><td data-sorting=\"card-name\" data-sorting-value=\"Revolut Standard\">Revolut Standard<\/td><td data-sorting=\"annual-fee\" data-sorting-value=\"0\">0<\/td><td data-sorting=\"currency-conversion-fee\" data-sorting-value=\"0%-0,5%\">0%-0,5%<\/td><td data-sorting=\"card-system\" data-sorting-value=\"Master Card\">Master Card<\/td><td data-sorting=\"atm-transaction-fee\" data-sorting-value=\"0 kr\">0 kr<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.se\/kort\/revolut-standard\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"22903\" data-url_param_t=\"card_products\"\n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Ans\u00f6k h\u00e4r<\/a><\/td><\/tr>                        <\/tbody>\n                    <\/table>\n                <\/div>\n            <\/div>\n\n        \n\n\n<h2 class=\"wp-block-heading\" id=\"Varfr_ha_ett_kreditkort_som_inte_kostar\">Varf\u00f6r ha ett kreditkort som inte kostar?<\/h2>\n\n\n\n<p>Att ha ett gratis kreditkort inneb\u00e4r att du kan dra nytta av kreditkortsbel\u00f6ningar, trygghet och flexibilitet utan att beh\u00f6va oroa dig f\u00f6r \u00e5rsavgifter. Dessa kort erbjuder ofta <a href=\"https:\/\/financer.se\/kreditkort\/bonus\/\" data-type=\"link\" data-id=\"https:\/\/financer.se\/kreditkort\/bonus\/\">cashback-program<\/a> och rabatter som kan hj\u00e4lpa till att spara pengar \u00f6ver tid.<\/p>\n\n\n\n<p>Dessutom ger gratis kreditkort tillg\u00e5ng till m\u00e5nga av de skydd och f\u00f6rs\u00e4kringar som traditionella <a href=\"https:\/\/financer.se\/kreditkort\/\" data-type=\"link\" data-id=\"https:\/\/financer.se\/kreditkort\/\">kreditkort<\/a> erbjuder. Ett gratis kort kan vara en bra l\u00f6sning f\u00f6r den som vill ha kortets f\u00f6rdelar utan extra kostnader.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"S_vljer_du_det_bsta_gratis_kreditkortet_fr_dina_behov\">S\u00e5 v\u00e4ljer du det b\u00e4sta gratis kreditkortet f\u00f6r dina behov<\/h2>\n\n\n\n<p>F\u00f6r att v\u00e4lja r\u00e4tt gratis kreditkort, b\u00f6rja med att utv\u00e4rdera dina utgifter och vad du v\u00e4rdes\u00e4tter mest, som cashback eller resef\u00f6rm\u00e5ner. Kolla ocks\u00e5 villkoren kring eventuella kostnader och avgifter som kan uppst\u00e5. <\/p>\n\n\n\n<p>Ett tips \u00e4r att l\u00e4sa recensioner och j\u00e4mf\u00f6ra olika korts bel\u00f6ningssystem och f\u00f6rm\u00e5ner. T\u00e4nk p\u00e5 om en viss kreditgr\u00e4ns eller betalningss\u00e4tt passar ditt livsstil. Anpassa valet efter din ekonomiska situation och m\u00e5l.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Fr__och_nackdelar\">F\u00f6r- och nackdelar<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Frdelar\">F\u00f6rdelar<\/h3>\n\n\n\n<ul class=\"is-style-pros-list\">\n<li>Ingen \u00e5rlig avgift, vilket sparar pengar f\u00f6r anv\u00e4ndare som \u00e4r kostnadsmedvetna.<\/li>\n\n\n\n<li>M\u00e5nga gratis kreditkort erbjuder bel\u00f6ningsprogram, s\u00e5som cashback eller rabatter, utan extra kostnad.<\/li>\n\n\n\n<li>L\u00e4mpliga f\u00f6r ekonomiskt medvetna konsumenter som vill minimera fasta utgifter.<\/li>\n\n\n\n<li>Tillg\u00e5ng till grundl\u00e4ggande skyddsf\u00f6rm\u00e5ner och f\u00f6rs\u00e4kringar som ofta ing\u00e5r i kreditkort, s\u00e5som ink\u00f6psskydd och resef\u00f6rs\u00e4kringar.<\/li>\n\n\n\n<li>M\u00f6jlighet att bygga kreditv\u00e4rdighet utan att beh\u00f6va betala en \u00e5rsavgift, vilket kan vara s\u00e4rskilt f\u00f6rdelaktigt f\u00f6r studenter eller de som \u00e4r nya inom kreditmarknaden.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Nackdelar\">Nackdelar<\/h3>\n\n\n\n<ul class=\"is-style-cons-list\">\n<li>Kan ha h\u00f6gre r\u00e4ntor j\u00e4mf\u00f6rt med betalkort som har en \u00e5rsavgift.<\/li>\n\n\n\n<li>Ofta f\u00e4rre f\u00f6rm\u00e5ner och begr\u00e4nsade bel\u00f6ningsprogram.<\/li>\n\n\n\n<li>F\u00e4rre m\u00f6jligheter till kredit\u00f6kningar \u00f6ver tid.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Jmfrelse_av_gratis_kreditkort_vad_passar_bst_fr_dig\">J\u00e4mf\u00f6relse av gratis kreditkort: vad passar b\u00e4st f\u00f6r dig?<\/h2>\n\n\n\n<p>N\u00e4r du j\u00e4mf\u00f6r gratis kreditkort \u00e4r det viktigt att \u00f6verv\u00e4ga faktorer som r\u00e4ntesatser, bel\u00f6ningssystem, och gr\u00e4nser f\u00f6r kreditlimit. <\/p>\n\n\n\n<p>Kontrollera ocks\u00e5 f\u00f6r inslag som extra avgifter f\u00f6r utlandstransaktioner eller \u00f6vertrassering. Genom att j\u00e4mf\u00f6ra dessa aspekter, kan du hitta kort som erbjuder st\u00f6rsta nyttan f\u00f6r din personliga ekonomi. <\/p>\n\n\n\n<p>M\u00e5let \u00e4r att identifiera vilket kort som erbjuder b\u00e4st kombination av f\u00f6rdelar utan dolda kostnader.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Undvik_detta_nr_du_skaffar_ett_kreditkort_utan_avgift\">Undvik detta n\u00e4r du skaffar ett kreditkort utan avgift<\/h2>\n\n\n\n<ol>\n<li>Extra avgifter f\u00f6r f\u00f6rsenade betalningar eller transaktioner utomlands.\n<ul>\n<li><strong>Undvik detta genom<\/strong>\u00a0att alltid betala fakturan i tid och vara medveten om eventuella transaktionsavgifter utanf\u00f6r landet.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Att bli lockad av kampanjer utan att l\u00e4sa det finstilta.\n<ul>\n<li><strong>Undvik detta genom<\/strong>\u00a0att noggrant l\u00e4sa igenom alla villkor och f\u00f6rst\u00e5 vad som kr\u00e4vs f\u00f6r att uppfylla kampanjkrav.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Missa att betala hela beloppet varje m\u00e5nad.\n<ul>\n<li><strong>Undvik detta genom<\/strong>\u00a0att s\u00e4tta upp p\u00e5minnelser eller automatiska betalningar f\u00f6r att f\u00f6rs\u00e4kra att du betalar hela saldot i tid.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Anv\u00e4nda kortet p\u00e5 s\u00e4tt som strider mot villkoren.\n<ul>\n<li><strong>Undvik detta genom<\/strong>\u00a0att bekanta dig med din kortutgivares regler och f\u00f6rs\u00e4kra att du f\u00f6ljer dem.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Spara_pengar_varje_mnad_med_ett_gratis_kreditkort\">Spara pengar varje m\u00e5nad med ett gratis kreditkort<\/h2>\n\n\n\n<p>Gratis kreditkort kan bidra till att s\u00e4nka dina m\u00e5nadskostnader genom bel\u00f6ningsprogram som ger cashback eller rabatter p\u00e5 vanliga ink\u00f6p. Dessa program kan inneb\u00e4ra betydande besparingar \u00f6ver tid, s\u00e4rskilt om du anv\u00e4nder kortet regelbundet f\u00f6r dagliga utgifter. <\/p>\n\n\n\n<p>M\u00e5nga gratis kort erbjuder ocks\u00e5 f\u00f6rs\u00e4kringar som skyddar dina k\u00f6p eller resor utan extra kostnad. Genom att dra nytta av dessa f\u00f6rm\u00e5ner kan du minska dina ekonomiska \u00e5taganden varje m\u00e5nad.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Gratis_bankkort_eller_gratis_kreditkort\">Gratis bankkort eller gratis kreditkort?<\/h3>\n\n\n\n<p>Skillnaden mellan gratis bankkort och gratis kreditkort ligger ofta i de f\u00f6rm\u00e5ner och skydd som erbjuds. Ett kreditkort ger ofta mer omfattande f\u00f6rs\u00e4kringar och bel\u00f6ningar, medan bankkortet \u00e4r begr\u00e4nsat till ditt kontosaldo. <\/p>\n\n\n\n<p>Kreditkort erbjuder kreditk\u00f6p, vilket kan underl\u00e4tta cashflow, medan bankkort direkt drar fr\u00e5n dina tillg\u00e5ngar. Valet beror p\u00e5 vad du prioriterar: flexibilitet och f\u00f6rm\u00e5ner, eller enkelhet och kontroll.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"i8_tips_nr_du_letar_efter_ett_gratis_kreditkort\">8 tips n\u00e4r du letar efter ett gratis kreditkort<\/h2>\n\n\n\n<p>Nedan har vi listat 8 saker att t\u00e4nka p\u00e5 n\u00e4r du letar efter ett kreditkort som inte kostar.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i1_Jmfr_rntor_och_avgiftsstrukturer_noggrant\">1. <strong>J\u00e4mf\u00f6r r\u00e4ntor och avgiftsstrukturer noggrant<\/strong><\/h3>\n\n\n\n<p>R\u00e4ntor och avgifter kan variera kraftigt mellan olika kort, \u00e4ven om de \u00e4r gratis. Se till att du j\u00e4mf\u00f6r dessa noggrant f\u00f6r att undvika \u00f6verraskningar.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i2_Se_vilka_belningsprogram_som_erbjuds_och_om_de_matchar_dina_spenderingsvanor\">2. <strong>Se vilka bel\u00f6ningsprogram som erbjuds och om de matchar dina spenderingsvanor<\/strong><\/h3>\n\n\n\n<p>Olika kreditkort erbjuder olika typer av bel\u00f6ningsprogram. Kontrollera att de bel\u00f6ningar som erbjuds st\u00e4mmer \u00f6verens med dina vanliga ink\u00f6p f\u00f6r maximal nytta.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i3_Ls_recensioner_fr_att_frst_andra_anvndares_erfarenheter\">3. <strong>L\u00e4s recensioner f\u00f6r att f\u00f6rst\u00e5 andra anv\u00e4ndares erfarenheter<\/strong><\/h3>\n\n\n\n<p>Recensioner kan ge dig insikter i hur kreditkort faktiskt fungerar utanf\u00f6r reklaml\u00f6ftena. De ger verkliga exempel p\u00e5 kundn\u00f6jdhet och potentiella problem.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i4_Kontrollera_om_det_finns_ngra_dolda_avgifter\">4. <strong>Kontrollera om det finns n\u00e5gra dolda avgifter<\/strong><\/h3>\n\n\n\n<p>Vissa gratis kreditkort kan ha dolda avgifter som aktiveras vid specifika h\u00e4ndelser, s\u00e5som uttag utomlands. Var noga med att k\u00e4nna till alla potentiella kostnader.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i5_Utvrdera_vilka_kort_som_har_de_bsta_frskringarna_och_skydden\">5. <strong>Utv\u00e4rdera vilka kort som har de b\u00e4sta f\u00f6rs\u00e4kringarna och skydden<\/strong><\/h3>\n\n\n\n<p>M\u00e5nga kreditkort erbjuder ink\u00f6psskydd och <a href=\"https:\/\/financer.se\/kreditkort\/kreditkort-med-reseforsakring\/\" data-type=\"link\" data-id=\"https:\/\/financer.se\/kreditkort\/kreditkort-med-reseforsakring\/\">resef\u00f6rs\u00e4kringar<\/a>. J\u00e4mf\u00f6r dessa f\u00f6r att se vilket kort som erbjuder b\u00e4sta skydd f\u00f6r dina behov.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i6_Fundera_p_dina_lngsiktiga_finansiella_ml\">6. <strong>Fundera p\u00e5 dina l\u00e5ngsiktiga finansiella m\u00e5l<\/strong><\/h3>\n\n\n\n<p>Dina l\u00e5ngsiktiga m\u00e5l kan p\u00e5verka vilket kreditkort som \u00e4r b\u00e4st f\u00f6r dig. V\u00e4lj ett kort som st\u00e4mmer \u00f6verens med dessa f\u00f6r att st\u00f6dja din ekonomiska plan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i7_Titta_p_grnser_fr_kredit_och_flexibilitet_i_betalningsalternativ\"><strong>7. Titta p\u00e5 gr\u00e4nser f\u00f6r kredit och flexibilitet i betalningsalternativ<\/strong><\/h3>\n\n\n\n<p>Olika kort har olika kreditgr\u00e4nser och betalningsalternativ. Se till att ditt valda kort erbjuder den flexibilitet och de ramar du beh\u00f6ver.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i8_Vlj_ett_kort_som_passar_din_livsstil_och_utgiftsmnster\"><strong>8. V\u00e4lj ett kort som passar din livsstil och utgiftsm\u00f6nster<\/strong><\/h3>\n\n\n\n<p>Sist men inte minst, v\u00e4lj ett kort som kompletterar din livsstil. Ett v\u00e4l anpassat kort kan maximera dina f\u00f6rdelar och ge st\u00f6rre ekonomiska f\u00f6rdelar.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Vanliga_frgor_om_gratis_kreditkort\">Vanliga fr\u00e5gor om gratis kreditkort<\/h2>\n\n\n<div class=\"fn_block block_fn_faq_list\"><h4>Vad \u00e4r ett gratis kreditkort?<\/h4><div class=\"faq_inner\"><p>Ett gratis kreditkort \u00e4r ett kort utan \u00e5rsavgift.<\/p><\/div><h4>Finns det verkligen helt gratis kreditkort?<\/h4><div class=\"faq_inner\"><p>Ja, det finns kreditkort som inte har n\u00e5gon \u00e5rsavgift och erbjuder gratis transaktioner.<\/p><\/div><h4>Vilka f\u00f6rdelar finns med ett gratis kreditkort?<\/h4><div class=\"faq_inner\"><p>Du slipper betala en \u00e5rlig avgift och kan \u00e4nd\u00e5 utnyttja kortets f\u00f6rm\u00e5ner.<\/p><\/div><h4>\u00c4r det s\u00e4kert att anv\u00e4nda ett gratis kreditkort?<\/h4><div class=\"faq_inner\"><p>Ja, s\u00e5 l\u00e4nge du anv\u00e4nder det p\u00e5 betrodda platser och skyddar dina kortuppgifter.<\/p><\/div><h4>Kan jag f\u00e5 bonusar med gratis kreditkort?<\/h4><div class=\"faq_inner\"><p>Ja, vissa gratis kreditkort erbjuder cashback och po\u00e4ngsystem.<\/p><\/div><h4>Finns det n\u00e5gra dolda avgifter med gratis kreditkort?<\/h4><div class=\"faq_inner\"><p>Det kan finnas, som uttagsavgifter och valutav\u00e4xlingsavgifter. L\u00e4s alltid villkoren.<\/p><\/div><h4>Hur ans\u00f6ker jag om ett gratis kreditkort?<\/h4><div class=\"faq_inner\"><p>Du kan ans\u00f6ka online via bankens eller kortutgivarens webbplats.<\/p><\/div><h4>Vilka inkomster kr\u00e4vs f\u00f6r att f\u00e5 ett gratis kreditkort?<\/h4><div class=\"faq_inner\"><p>Det varierar, men du beh\u00f6ver oftast ha en stadigvarande inkomst.<\/p><\/div><h4>P\u00e5verkar ett gratis kreditkort min kreditv\u00e4rdighet?<\/h4><div class=\"faq_inner\"><p>Ja, anv\u00e4ndning och ans\u00f6kningar p\u00e5verkar din kreditv\u00e4rdighet.<\/p><\/div><h4>Kan jag byta till ett gratis kreditkort fr\u00e5n ett annat kort?<\/h4><div class=\"faq_inner\"><p>Ja, du kan s\u00e4ga upp ditt nuvarande kort och ans\u00f6ka om ett gratis alternativ.<\/p><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>J\u00e4mf\u00f6r gratis kreditkort (utan \u00e5rsavgift) Vill du veta vilket gratis kreditkort som ger mest f\u00f6rm\u00e5ner ? Vi har unders\u00f6kt och\u2026 <\/p>\n","protected":false},"author":7033,"featured_media":79379,"parent":3313,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false},"categories":[1315],"tags":[1300,897],"_links":{"self":[{"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/pages\/42714"}],"collection":[{"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/users\/7033"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/comments?post=42714"}],"version-history":[{"count":50,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/pages\/42714\/revisions"}],"predecessor-version":[{"id":79320,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/pages\/42714\/revisions\/79320"}],"up":[{"embeddable":true,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/pages\/3313"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/media\/79379"}],"wp:attachment":[{"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/media?parent=42714"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/categories?post=42714"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/tags?post=42714"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}