Best Credit Cards?

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californiakontio
Posts: 22
Joined: Sun Oct 23, 2011 12:54 am

Best Credit Cards?

Post by californiakontio » Thu Jun 01, 2017 12:12 pm

Looking for advice on the best credit cards to have in Finland which provide benefits such as airline lounge club access and points, etc. Thoughts?



Best Credit Cards?

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tavastia
Posts: 414
Joined: Tue Mar 08, 2016 1:54 pm

Re: Best Credit Cards?

Post by tavastia » Thu Jun 01, 2017 12:38 pm

Dinners used to have free access but now they are charging 18€ for each entry. Probably some Amex from Gold up includes Priority Pass but the yearly fee is from 170€ up.


harryc
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Joined: Thu Jan 23, 2014 6:09 pm
Location: Espoo-Helsinki

Re: Best Credit Cards?

Post by harryc » Fri Jun 02, 2017 12:52 am

Diners and Amex are only for Donald Drumpf and friends.

If it looks like you're getting something for free it's because you have already paid for it many times over!

I was offered Amex as a retailer and quickly found out they took 5% provision.5X then and moreX now for Visa and MC.

As I was running a low margin system - it was impossible to knock off 5 % - and that was without ALV - so it went up significantly.

I did get an Amex card myself many years earlier but quickly found when using on trips that only the high-margin shops honored it.

Overall - Diners-Amex are not cards for ordinary folk.


deepsudeep
Posts: 57
Joined: Fri Oct 19, 2018 8:11 pm

Re: Best Credit Cards?

Post by deepsudeep » Sat Jan 12, 2019 10:40 am

Reviving this old post. Anyone know of any credit cards with no membership fees and has some points with purchases?


FinnGuyHelsinki
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Joined: Sun Nov 08, 2009 8:52 pm

Re: Best Credit Cards?

Post by FinnGuyHelsinki » Sat Jan 12, 2019 1:14 pm

deepsudeep wrote:
Sat Jan 12, 2019 10:40 am
Reviving this old post. Anyone know of any credit cards with no membership fees and has some points with purchases?
AFAIK there are none. Diners in Finland has closed shop, so that's not an option anymore. Haven't really looked into it, but possibly Amex is the only one with some kind of point system of their own (not including frequent flyer etc. some providers may include in theirs).


inkku
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Joined: Wed Apr 04, 2007 8:26 pm

Re: Best Credit Cards?

Post by inkku » Sat Jan 12, 2019 2:06 pm

Some time ago people were raving about the Norwegian card, only that the interest rate is high. you get points with Norwegian. not sure if that still holds.


betelgeuse
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Re: Best Credit Cards?

Post by betelgeuse » Sat Jan 12, 2019 11:09 pm

inkku wrote:
Sat Jan 12, 2019 2:06 pm
Some time ago people were raving about the Norwegian card, only that the interest rate is high. you get points with Norwegian. not sure if that still holds.
It does.


Upphew
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Location: Lappeenranta

Re: Best Credit Cards?

Post by Upphew » Mon Jan 14, 2019 11:35 am

deepsudeep wrote:
Sat Jan 12, 2019 10:40 am
Reviving this old post. Anyone know of any credit cards with no membership fees and has some points with purchases?
S-pankki has Visa, but they don't have points, they just give money back.
http://google.com http://translate.google.com http://urbandictionary.com
Visa is for visiting, Residence Permit for residing.


deepsudeep
Posts: 57
Joined: Fri Oct 19, 2018 8:11 pm

Re: Best Credit Cards?

Post by deepsudeep » Mon Jan 14, 2019 3:06 pm

Upphew wrote:
Mon Jan 14, 2019 11:35 am
deepsudeep wrote:
Sat Jan 12, 2019 10:40 am
Reviving this old post. Anyone know of any credit cards with no membership fees and has some points with purchases?
S-pankki has Visa, but they don't have points, they just give money back.
S-pankki: Purchases made on credit are invoiced once a month and an invoice management fee of 2 € / electronic invoice or 3.5 € / paper invoice is added to the invoice.

Don't understand the point of a credit card if there are no points/cash back


Upphew
Posts: 10384
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Location: Lappeenranta

Re: Best Credit Cards?

Post by Upphew » Mon Jan 14, 2019 4:35 pm

deepsudeep wrote:
Mon Jan 14, 2019 3:06 pm
Upphew wrote:
Mon Jan 14, 2019 11:35 am
deepsudeep wrote:
Sat Jan 12, 2019 10:40 am
Reviving this old post. Anyone know of any credit cards with no membership fees and has some points with purchases?
S-pankki has Visa, but they don't have points, they just give money back.
S-pankki: Purchases made on credit are invoiced once a month and an invoice management fee of 2 € / electronic invoice or 3.5 € / paper invoice is added to the invoice.

Don't understand the point of a credit card if there are no points/cash back
2/3½€ if you use the credit. If you pay your bill, you can splurge that 2€ to parking or something like that.

Try to book hotel without one. Or buy stuff online.
http://google.com http://translate.google.com http://urbandictionary.com
Visa is for visiting, Residence Permit for residing.


vitaliysh
Posts: 33
Joined: Sat Aug 01, 2009 10:36 pm

Re: Best Credit Cards?

Post by vitaliysh » Tue Jan 15, 2019 2:07 pm

inkku wrote:
Sat Jan 12, 2019 2:06 pm
Some time ago people were raving about the Norwegian card, only that the interest rate is high. you get points with Norwegian. not sure if that still holds.
I've routed all my purchases via Norwegian cc these days, just make sure to pay it off at the end of the month. Went to Rome for free (tickets) with my wife.


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agroot
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Re: Best Credit Cards?

Post by agroot » Wed Jan 16, 2019 8:14 pm

Nothing good I can find.

A platinum card could cost over 200€! :shock: Standard card comes with no purchase insurance.
Aktia seems to have the cheapest gold credit, 48€ a year.

200€ for a card is robbery! Dragonpass is only £16 per visit, 8 visits a year, same for PP except 10 visits.


Where are the cash back ones? And options to omit membership fee over minimum spending?


FinnGuyHelsinki
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Joined: Sun Nov 08, 2009 8:52 pm

Re: Best Credit Cards?

Post by FinnGuyHelsinki » Thu Jan 17, 2019 8:23 am

agroot wrote:
Wed Jan 16, 2019 8:14 pm
Standard card comes with no purchase insurance.
What do you mean by "purchase insurance"? Banks and credit providers do offer the possibility to make a claim against fraudulent charges on a card.
agroot wrote:
Wed Jan 16, 2019 8:14 pm
Where are the cash back ones? And options to omit membership fee over minimum spending?
Never heard of such cards in Finland. Doesn't mean that they don't exist, but at least they're not the standard fair offered by most banks.

Also, often it's Nets or SEB (maybe there are others, but not that many in Finland) that are behind the Visa, Mastercard,... part of the card, not the banks offering them to their clients, albeit banks may add some services (travel insurance and what have you).


Upphew
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Location: Lappeenranta

Re: Best Credit Cards?

Post by Upphew » Thu Jan 17, 2019 9:21 am

FinnGuyHelsinki wrote:
Thu Jan 17, 2019 8:23 am
agroot wrote:
Wed Jan 16, 2019 8:14 pm
Standard card comes with no purchase insurance.
What do you mean by "purchase insurance"? Banks and credit providers do offer the possibility to make a claim against fraudulent charges on a card.
Maybe "product safety insurance"? https://www.nordea.fi/en/personal/our-s ... -gold.html
http://google.com http://translate.google.com http://urbandictionary.com
Visa is for visiting, Residence Permit for residing.


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agroot
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Joined: Sat Dec 22, 2018 5:04 pm

Re: Best Credit Cards?

Post by agroot » Thu Jan 17, 2019 2:05 pm

deepsudeep wrote:
Mon Jan 14, 2019 3:06 pm
Don't understand the point of a credit card if there are no points/cash back
when a card or the number is stolen and used to make purchases, your money/credit is locked. If it's a debit card, money in that account would be locked for weeks until dispute resolution - which you'd win later for certain but having thousands of euros frozen is not something to be taken lightly.

I cut all my debit cards into pieces after learning that.


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