Last updated:
May suit
- You can use EuroBonus points and repay the full invoice.
- You want to assess insurance and a companion benefit against a fixed membership cost.
What to watch for
- Membership costs NOK 1,800 annually.
- Currency markup is 2.5%.
- Travel insurance has a payment condition and a limit on journey duration.
Calculate benefits you can realistically use
Premium earns 15 EuroBonus points per NOK 100 of eligible spending. Its companion benefit has annual spending requirements and programme conditions. Compare journeys you can realistically book with the NOK 1,800 annual membership cost. Check whether relevant shops accept American Express too. A large point balance does little if card acceptance or available rewards do not fit your habits.
Insurance requires qualifying travel payment
The payment condition is at least 75% of transport and accommodation paid with the card, and the documented maximum journey duration is 60 days. These points are not the whole insurance agreement. Check insured people, cancellation, activities and other exclusions. Pay particular attention to duration when visiting your home country for a long period; included insurance does not automatically extend beyond its limits.
Membership and borrowing are separate costs
NOK 150 monthly is a membership price, not an instalment that repays card debt. Nominal purchase interest is 19.8%. The representative example uses NOK 95,000, but this is not a documented maximum credit limit. Cash withdrawal costs 4% with a NOK 25 minimum. New-application age, income, BankID and D-number requirements remain unconfirmed; ask American Express to clarify.
Questions and answers
What does SAS Amex Premium cost annually?
NOK 150 monthly is NOK 1,800 annually. Interest, currency markup and cash fees can apply separately. Membership payments do not repay card debt.
Does the insurance cover three months in my home country?
Documented maximum journey duration is 60 days, subject to the rest of the policy. A three-month journey therefore cannot be described as covered by the included insurance alone.
Can I obtain Premium with a D-number?
D-number acceptance and other new-application requirements have not been confirmed. Ask American Express about identity and income requirements before applying. Interest in rewards does not indicate credit approval.
