S-Etukortti Visa Credit

A no-fee credit card from S-Pankki that offers Bonus rewards at S Group stores throughout Finland, making it a great choice for regular shoppers.

Last checked on June 10, 2026. We may earn a commission when you click through.

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This card is ideal for frequent S Group shoppers looking to earn rewards without annual fees.

✓ No annual fee ✓ Up to 1% cashback on purchases ✓ Rewards at S Group stores
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S-Etukortti Visa Credit

APR
15.0% – 20.0%
Annual Fee
$0
Rewards
Up to 1.0%

A no-fee credit card from S-Pankki that offers Bonus rewards at S Group stores throughout Finland, making it a great choice for regular shoppers.

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Our Verdict

This card is ideal for frequent S Group shoppers looking to earn rewards without annual fees.

Pros

  • No annual fee
  • Up to 1% cashback on purchases
  • Rewards at S Group stores
  • Visa card network

Cons

  • APR ranges from 15% to 20%
  • Limited rewards outside S Group
  • Not ideal for heavy spenders

For frequent shoppers at S Group stores, the S-Etukortti Visa Credit card provides an attractive no-fee option with up to 1% cashback on purchases. This feature makes it appealing for those who regularly buy groceries or other essentials at S Group locations across Finland.

However, the APR ranges from 15% to 20%, which could pose a challenge for users who carry a balance. If you tend to revolve debt, this card may end up costing you more in interest than you earn in rewards. Users should carefully consider their spending habits before applying.

This card is particularly suited for consumers who prioritize shopping at S Group outlets, but the limited rewards outside these stores could be a drawback for those who shop elsewhere. If you're looking for broader rewards, other cards may offer better value. Check the official S-Pankki site for full details on terms and conditions.

Who It's For

Ideal for those who regularly shop at S Group and want to earn cashback without incurring annual fees.

Watch Out

The APR can be relatively high for those who carry a balance, so it's best for users who pay off their card each month.

Summary

The S-Etukortti Visa Credit is a no-fee card that rewards spending at S Group stores, but it may not suit everyone due to its high APR for balances.

Best For

Best for consumers who shop often at S Group stores and want to earn cashback without a membership fee.

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What Customers Say

Cardholders appreciate the rewards system but note the high APR can be a downside for those who carry balances.

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