Several many years agp I moved Back to Norway from the states. Having gotten used To the ameX Platinum card and membership rewards, i was quite dissapointed To fint that neither was part of the Amex nor portfolio. As a result i opened an Amex currency card Acct in london and had my card billed in Eur. This was fine for a long while, i got membership rewards points, no currency charges when shopping in eur contries. I paid my bills either by check from a spanish euro Acct or by wireless transfer from my SEB Nok Acct.

Then, Amex raised the conversion charges for non Eur currencies from 2 To 2,7% and this really ticked med off. At the same time i was looking at the rates i was getting on my wire transfers from nok To eur at SEB (bank name) and these were really horrible. My conclusion was that If you do not have a large sum To transfer and call the currency desk in person and agree on the exchange rate you will get a lousy rate on your bank transfer.

Now i can get EB points on diners and mastercard in norway, so i figure its better To get screwed once than twice and now i just use my norwegian cards, 1,5% charges.

I guess my point is that IF your incomes are in sek, It will be same same If you use your swedish cards, get eb points or transfer To a foreign Acct and use a debit or non bonus cc. If your incomes are in eur, its another stort.

Ps. IF someone from Amex norway reads this, its time To expand the portfolio. Your offerings in the norweian marked blows. No sas amex card, no Platinum card, no membership rewards.