Credit card rewards and credit cards

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In this guide, we will look at the benefits of free annual credit card credits, especially reward point programs and payment method benefits. The guide will give you a sneak peek at those who are considering purchasing a new credit card or are considering changing their card.

As a rule of thumb, no fee cards do not include reward point programs, but they can often give you a payment advantage in stores and at some gas stations. In this case, the payment benefit is a discount that can only be obtained from stores of the same merchant group or affiliates. Reward points cards can be used to earn earned reward points for redeeming a variety of products or services and often include travel insurance.

First, we compare the benefits of annual royalty-free credit cards, then introduce some of these cards, and finally, explore the features and scoring programs of the various reward points.

Annual credit cards and payment benefit

Annual credit cards and payment benefit

Credit cards are known to have many different benefits in addition to being a mere credit feature. Typical additional benefits that come with credit cards are travel insurance and purchase and product security. In addition, cards can often be used to collect various reward points, ranging from flying points to Good lender points. Credit card prices range from free cards up to hundreds of euros per year for premium cards. Usually the price of a card is in line with the benefits it offers, ie a slightly more expensive card offers more benefits than the one with no annual fee.

Advantages of Annual Credit Cards in Comparison

We explored and compared the additional benefits of annual fee-free credit cards:

Virtually all cards, even those that are free of charge for the year, offer some extra in addition to the credit only feature. Which card or benefit is best and most suitable for everyone will largely depend on your lifestyle and buying habits. Stockmann’s Loyal Customer is likely to benefit from Stockmann MasterCard, while a low cost flight and travel lover can get the most out of Bank Norwegian’s credit card.

It is also worth remembering that many credit cards do not require the identity of the issuing bank, but are available to customers of all banks. Again, except for E-money cards, all cards from this comparison are available to anyone, regardless of bank.

Introducing credit cards that offer a payment benefit

Introducing credit cards that offer a payment benefit


With E-bank Visa you always get a 2% discount when you pay with E-bank and Shell. The payment benefit applies not only to fuel but also to station-based services such as car wash and products such as coffee and buns.

The 2% payment benefit is only available at E-bank and Shell gas stations. For other purchases, the card gives you a 0.5 percent discount on your total purchases. In other words, E-bank is the only payment debit card in Finland whose benefits are not entirely confined to a particular merchant group. Here, for example, it differs from Kesko’s and S Group’s cards.

E-bank Visa credit cards can be used for credit between € 500 and € 5,000 and are offered for an unpaid payment period of up to 40 days. There is no opening or annual fee for an E-bank Visa credit card but when considering a card it is a good idea to consider that in practice the customer has to pay an account fee of $ 2.5 per month. An account maintenance fee will be payable if you have an outstanding balance or transactions in your account. If the invoice includes interest-bearing credit, the account management fee will increase to EUR 3.5. In practice, the annual fee for an E-bank Visa credit card is therefore at least EUR 30.