Nordea Gold review

The annual fee on the credit card is €35.88, and the purchase rate works out at 23.3%. On a balance you do not clear, that rate is the real cost, well above the 15.5% median across the site. The fee buys product safety insurance and family cards rather than points, since the rewards type is none.

No. The rewards type is none, so the value sits in the extras listed under Tuoteturva product safety insurance included, Optional K Plussa add on feature and Mastercard Priceless presale and event offers: an interest free payment period on card purchases, product safety insurance, presale and event offers, and free additional cards for family members. Someone whose priority is cashback on everyday spending would want a rewards card instead.

Nordea Gold is issued by Nordea Bank Oyj and is supervised in Finland by Finanssivalvonta, the Finnish Financial Supervisory Authority. A licence is also listed in Germany under the European Central Bank. The card sits on the visa network as a credit card, and the paired card is listed as debit.

Alongside the credit card there is a debit card on the visa network, listed with a monthly fee of €0 to €2.99 and free ATM withdrawals of €0 to €4. It is listed as debit, so it draws on the money in the account rather than building up a bill, and both cards sit under the same bank relationship.

Foreign purchases cost a currency conversion fee of 2.5%, which is higher than the 2% median for credit cards across the site. Travel is a listed feature of the card, so trips are the expected use, but the conversion charge is the part to watch on a long trip.

Support runs on chat, phone and help centre, so a call or a chat covers most questions, with a help centre for the wider detail. Because the card is issued by Nordea Bank Oyj, account servicing sits with the bank that holds the cardholder's money, which is worth knowing when a payment query needs chasing.

The listed audience is kids and the listed feature is travel, with free additional cards for family members among the Tuoteturva product safety insurance included, Optional K Plussa add on feature and Mastercard Priceless presale and event offers. That points to a family account where the debit card handles day to day spending and the credit card covers travel and larger purchases, with balances cleared each month.

bunq charges an annual fee of €0, Varo Believe Secured Credit Card charges $0 and Wise charges £0, where Nordea Gold charges €35.88. Those figures are the ones to weigh against the travel perks, insurance and family cards that come with the Nordea card.