SAS Executive Card: price, level points and terms

SAS Executive Card is SAS's own business card, issued by Bankaktiebolaget Nordiska. It earns 25 bonus points per 100 NOK, SEK or DKK of eligible spend and 20 000 level points per card year, paid into the cardholder's own EuroBonus account. It costs 599 NOK or SEK (499 DKK) per card per month and is sold only to registered companies in Norway, Sweden and Denmark.

The earn rate is high, but it is not the point. A business card that hands out status is a different product from one that hands out points, and the level points are what decide whether the card is worth 7 188 kroner a year to the person carrying it.

What does SAS Executive Card give you?

SAS's benefits page promises 25 bonus points for every 100 spent, and describes the 20 000 level points as enough for EuroBonus Silver, or a shortcut to the tier after it. Both kinds of points go to the cardholder personally, not to a shared company account.

The level points arrive the first time when the card is activated, then on every anniversary for as long as the card is active and linked to the same EuroBonus account. They stack on top of what you earn from flights and from the ChangeMakers activities, so one card year can carry a whole qualification year for someone who flies little. Silver brings priority check-in and boarding, extra baggage and priority customer service.

Lounge access comes in two portions with separate rules:

The SAS vouchers live in the SAS app and admit one person on one occasion. The cardholder can give them to other travellers on the same booking. Priority Pass opens lounges worldwide, but only the first five visits of the card year are included. The rest are charged to the card at 35 USD a visit.

The rest of the package is the usual business card menu, with a few figures worth knowing. Travel insurance applies when at least half the trip is paid with the card, and can be extended to 60 days for private travel. The Avis link in the app gives President's Club status for twelve months and up to 35 percent off. Scandic Friends Level 4 comes automatically. You get 3 GB of mobile data every calendar month in more than 100 destinations, and a NordVPN Basic subscription for as long as the card is active. Three of these, Priority Pass, mobile data and NordVPN, are still labelled "coming soon" on the benefits page, even though the terms already describe them in detail. Ask SAS before you count on them.

What does SAS Executive Card cost?

599 NOK or SEK per card per month, or 499 DKK, billed for twelve months at a time in advance. The price is per card, so three cards cost three times as much. Companies that want ten or more can ask for volume pricing, according to the pricing and credit page.

The rest of the figures are in the price list, and they are more interesting than the annual fee:

Credit is interest free for up to 45 days. With a monthly invoice and 14 days to pay, 45 days is the top of the range, and it assumes the purchase falls early in the billing period.

The arithmetic is simple enough. 100 000 in eligible spend earns 25 000 bonus points. Set that against 7 188 in annual fee and the 20 000 level points, and the question becomes whether Silver is worth anything to the person carrying the card. If you fly SAS often enough to reach Silver anyway, you are mostly buying points and lounge access. If you fly little, you are buying status. We put no cash value on points, and you should be sceptical of anyone who does. Look up the route you have in mind and see what 25 000 points buy there.

Which terms can take the points away?

The benefit terms are where business cards differ from one another, and SAS's own contain four conditions worth reading before anyone signs.

An unpaid invoice deletes the points. Bonus points are calculated monthly and credited only once at least the minimum amount on the invoice has been paid. If the amount is still unpaid after the second reminder, the points are forfeited for good. They do not come back even if the company pays later.

One card per EuroBonus account. A cardholder can only have one card linked to their account for earning bonus points and level points. Applying for a card through another company does not produce new level points for the same card year.

The lounge vouchers cover fewer flights than you think. Only departures operated by SAS itself. Not arrivals, not charters, and not codeshares flown by another airline, even when the SAS flight number is on the ticket. Unused vouchers lapse when the next year's allocation arrives, and an activated voucher counts as used even if the lounge is full and you are turned away at the door.

Eligible spend is less than total spend. Fees, interest and transactions SAS defines as ineligible earn nothing. Refunded and cancelled purchases do not qualify, and points already credited can be withdrawn. SAS also reserves the right to cap how much spend earns points in a given period.

Who can apply for SAS Executive Card?

AS and sole traders in Norway, aktiebolag and enskild firma in Sweden, and A/S, ApS and sole traders in Denmark, according to the support page. The company must be registered in one of the three countries and meet Nordiska's standard credit requirements. Private individuals without a business cannot apply.

Administration happens in a separate admin platform where whoever manages the cards orders new ones, sets spending limits per cardholder and follows usage. Cardholders use the SAS Card App for their own card and their own expenses.

Digital cards are the one point where SAS's own pages say two things. The support page answers "not yet, but it will be offered later this fall" and that only physical cards are available for now, while the front page says a digital version lands in the app instantly. If the card needs to be in a mobile wallet from day one, ask before ordering. The front page also shows a welcome offer of 20 000 bonus points with no terms on the page. The launch offer of 25 000 extra level points for cards boarded by 20 September 2026 is gone.

Frequently asked questions about SAS Executive Card

The points from a business card are the same points as any other bonus points, and in the end they should become a trip. Read how to use EuroBonus points with the SkyTeam partners, or why one-way and return awards are priced differently, before deciding what to spend them on.