How to earn EuroBonus points faster in Norway (2026)
Co-founder of Penge · Published 17 July 2026 · 6 min read
Someone asked about EuroBonus point-farming, so here is the short version: what to use, when it is worth it, and the one thing that makes it a hassle.
Key takeaways
- Point-farming pays off most if you have high spending, or if two people pool points together.
- The ideal setup is three credit cards: SAS Amex Premium, SAS Mastercard Premium and the Trumf credit card.
- The two SAS cards both give 15 EuroBonus points per 100 kr; reaching 150,000 kr in a calendar year on the Amex unlocks a 2-for-1 companion ticket.
- The Trumf card only wins inside Norgesgruppen stores (Meny, Kiwi, Joker, Spar) via Trumf Pay, where it can reach about 40.5 points per 100 kr.
- If your spending is low, fee-free cards can beat paying annual fees. Rates and terms change often, so check the current terms; this is not financial advice.
How do you earn EuroBonus points fastest in Norway?
The common setup is three cards: use the SAS Amex Premium for everyday spending until you reach 150,000 kr in a calendar year, which unlocks a 2-for-1 companion ticket, then switch to the SAS Mastercard Premium, and use the Trumf card with Trumf Pay only in Norgesgruppen stores, where it earns the most. It pays off most with high spending, or with two people pooling points.
Farming EuroBonus points is mostly worth it if you spend a fair amount, or if two of you collect points together on the same account. Here is the simplest version of the setup, and when it makes sense to skip parts of it.
The ideal setup: three cards
| Card | Points | Best for |
|---|---|---|
| SAS Amex Premium | 15 pts / 100 kr | Everyday spending up to 150k per year; unlocks the companion ticket |
| SAS Mastercard Premium | 15 pts / 100 kr | Spending after you have hit 150k on the Amex, and places that do not take Amex |
| Trumf credit card | ~40.5 pts / 100 kr* | Norgesgruppen stores only, paid via Trumf Pay |
*In Norgesgruppen stores, counting 3% Trumf bonus automatically converted to EuroBonus. Outside those stores the Trumf card earns far less.
Why SAS Amex Premium?
- Gives 15 EuroBonus points per 100 kr.
- Spend 150,000 kr on it in a calendar year and you unlock a companion ticket: 2-for-1 on a trip booked with EuroBonus points.
- The supplementary card is free, so two people can share one account and earn together.
- Many places in Norway do not accept Amex, so use it wherever it is accepted to actually reach the 150,000 kr threshold.
- The Amex Elite version is usually not worth the higher fee unless you spend a lot (300,000 kr and up) and travel often.
Why SAS Mastercard Premium?
- Also gives 15 EuroBonus points per 100 kr on regular purchases.
- Once you have spent 150,000 kr on the Amex for the year, switch to this card: it comes with extra travel perks, such as flying SAS Plus for the price of SAS Go.
- It also works in the many places that do not take Amex.
Why the Trumf credit card?
- Used with Trumf Pay, it gives at least 3% Trumf bonus on everything you buy in Norgesgruppen stores (Meny, Kiwi, Joker, Spar and more).
- Set up automatic transfer from Trumf to EuroBonus (about 13.5 EuroBonus points per Trumf krone) and that 3% works out to roughly 40.5 EuroBonus points per 100 kr spent.
- That beats scanning Trumf and paying with the Amex, so use this card only in Norgesgruppen stores, through Trumf Pay.
- It is the least important of the three. To keep things simple, you can use just the two SAS cards.
What if you do not spend that much?
This only pays off if your spending is high enough to justify the annual fees. If it is not, fee-free cards can be the better deal: a no-fee SAS Amex (the Classic version costs nothing) combined with the Trumf card still earns points at no yearly cost. There is also a middle option, the SAS EuroBonus Mastercard, with a lower fee but slightly fewer points and perks. Fees and terms change often, so compare the current terms before you choose.
The biggest downside
The hardest part is keeping an overview. With two or three cards, a points program and a shared invoice to split between two people, your spending ends up scattered across several statements and it is easy to lose track.
How Penge helps
Penge connects your accounts and cards and brings every transaction into one place, categorized automatically, so you can see your real spending across all the cards and split the shared ones, without a spreadsheet.
Want to know if Penge connects to your bank? See which banks are supported
Get a full overview with Penge
Connect your bank and let the app categorize and budget automatically.
This is a simplified overview, not financial advice. Points rates, fees and card terms change, so always check the current terms. eurobonusguiden.no explains it all in more detail.
Frequently asked questions
- Should I add the Trumf card if I already have the Amex?
- Inside Norgesgruppen stores the Trumf card, via Trumf Pay, is excellent, but it earns nothing anywhere else, and many places do not accept Amex, so you can end up with purchases that earn no points at all. It is worth adding if you shop a lot at Meny, Kiwi, Joker or Spar; otherwise it adds little.
- Is the SAS Mastercard Premium worth its fee?
- It matters most once you have hit 150,000 kr on the Amex for the year, for its extra travel perks, and for the places that do not take Amex. If your spending is lower, a fee-free card combination can make more sense than paying the fee.
- What if my spending is low?
- Then the annual fees may cost more than the points are worth. A fee-free SAS Amex plus the Trumf card earns points at no yearly cost, which is often the better deal for lower spending.
- How do I keep track of several cards and a shared invoice?
- That is the main hassle. An app like Penge that connects your accounts and cards, categorizes transactions automatically and lets you split shared ones gives you a single overview instead of several separate statements.