SAS Credit Card Calculator

Build your optimal card stack for EuroBonus status

Choose Your Strategy

Select a preset or build your own card stack

Max Level Points: Use SAS Amex Elite everywhere Amex is accepted (best level point rate at 6 per 100 NOK). This is the fastest path to Silver, Gold, or Diamond status.

Your Card Stack

Enter monthly spending for each card

Enter your monthly spending above to see your rewards journey.

Your Points Earnings

Level Points / month
0
For status qualification
Level Points / year
0
12-month period
EuroBonus Points Earned
0
per month
0
per year

Status Progress

S
Silver 20,000 pts
Enter spending to calculate
G
Gold 45,000 pts
Enter spending to calculate
D
Diamond 90,000 pts
Enter spending to calculate

Optimal Strategies

CT
Companion Ticket (CT) Strategy

The 2-for-1 voucher lets you book a companion at half the points. Elite gets 2 CTs/year (all cabins incl. Business), Premium gets 1 CT/year (Economy/PremEco only from Apr 2025).

150,000 NOK
Spend for 1st CT
+150,000 NOK
For 2nd CT (Elite only)
Best value: Long-haul Business with Elite CT
AE
Amex Elite Primary

Use SAS Amex Elite for everything. At 6 LP + 20 BP per 100 NOK, it's the best for both status and earning points. Add a Mastercard for merchants that don't accept Amex (~15-20%).

28k
NOK/mo for Silver
63k
NOK/mo for Gold
125k
NOK/mo for Diamond
FP
Fly Premium (MC Premium)

SAS Mastercard Premium includes Fly Premium: book Economy points, fly Business on SAS! Based on yearly bonus points earned. From Dec 2025, 75k BP unlocks unlimited Business on intra-Europe.

Pair with Amex for CT + Fly Premium combo
DS
DNB SAGA Threshold Hunting

SAGA customers get threshold bonuses (10k LP at 100k, 200k, 500k spend). Best bonus point rate (15 BP/100 NOK) but Amex Elite is still better for level points.

Best for: High spenders who want max bonus points
2+
Ultimate Combo: Elite + MC Premium

Use Amex Elite (80%) for LP + CTs, and SAS MC Premium (20%) for Fly Premium benefit. This gives you 2-for-1 vouchers AND book-Economy-fly-Business!

Recommended for serious travelers

Card Comparison

Feature Amex Elite MC Premium
DNB SAGA Level Point Thresholds

DNB SAGA and Private Banking customers earn level points based on yearly spending (calendar year):

Spend 100,000 NOK/year +10,000 Level Points
Spend 200,000 NOK/year +10,000 Level Points
Spend 500,000 NOK/year +10,000 Level Points
Maximum per year 30,000 Level Points

Level points are transferred when you reach each threshold. Transactions must be posted within the calendar year.

EuroBonus Tier Benefits
S Silver (20,000 pts)
  • +25% bonus points on SAS flights
  • SkyTeam Elite status
  • Priority check-in
  • Extra baggage allowance
G Gold (45,000 pts)
  • +50% bonus points on SAS flights
  • SkyTeam Elite Plus status
  • Lounge access (you + 1 guest)
  • Fast Track security
  • Priority boarding
D Diamond (90,000 pts)
  • +75% bonus points on SAS flights
  • Points never expire
  • Lounge access (you + 2 guests)
  • Guaranteed economy seat 24h before departure
  • Priority rebooking during disruptions

Status is earned in a 12-month qualification period and maintained for 12 months after qualification, plus a 3-month grace period (15 months total).

Information based on SAS EuroBonus and DNB Mastercard Upgrade programs as of 2025. Always verify current terms on flysas.com and dnb.no.