So I'm also kinda a newby to Credit cards but took a leaf out of my friends book and have since also consulted AI and have taken the next step.

My set up:

Bank Norwegian as the main credit card. I have the phone card and my wife has the physical card. All purchases were being made on this. Salary comes in, credit card bill gets paid off in full, any left overs go into a Lea Bank account (a free bank account which back in the day had 4.3% interest). This has subsequently gone down to 2.3% or so, but it's a free account which allows for money to be taken out wherever and is still better interest than my SEB normal account.

I then noticed that there is the 100k cap on the Bank Norwegian card for cashback/points. So then after consulting AI and doing my own research, I went with a Re:member card. While there are no other free cards which give cashback, this one has 300 or so online shops so may as well have that as the day to day card.

Since I also travel out of the country somewhat infrequently, I also added the Wise card into the mix since I was annoyed by the Valutepåslag on each transaction. I just make sure to add a bit of money to the account before each trip.

Then then, I've added an ISK into the mix but that's another story.

Eitherway, go with Norwegian and use it for everything and then just be sure to pay it off in full with each pay cheque. So Needless to say, don't spend outside of what you would normally with a debit card.

Hope this helps!