SAS EuroBonus American Express Elite – 2026 card guide

What is the SAS EuroBonus American Express Elite card?

SAS EuroBonus American Express Elite is the top card in the SAS and American Express card family in Sweden, sitting above Classic and Premium. It is built for people who fly SAS or Star Alliance and want to collect EuroBonus points on everyday spending instead of only when they fly. Every purchase earns EuroBonus points that post straight to your EuroBonus account.

How you earn EuroBonus points with the card

You earn points on practically everything you can pay for by card — groceries, fuel, travel and bills. Elite has the highest earn rate in the family, and purchases made directly with SAS earn extra points. Those points sit in the same balance as the points you earn flying, so a household reaches a round-trip award faster than most people expect. Exact earn rates and the annual fee change over time — always check the current terms with American Express before applying.

The welcome offer: 60,000 EuroBonus points

Through a Member Invite link from an existing cardmember, new cardmembers receive 60,000 bonus EuroBonus points after meeting the minimum spend in the first months. In practice, 60,000 points covers a round-trip economy award flight from Sweden to Brazil, or several trips within Europe. You still pay taxes and carrier charges in cash.

Lounge access and travel benefits

Elite carries the most extensive travel benefits in the family, including access to SAS lounges under the card's terms, travel insurance when the trip is paid with the card, and SAS-linked onboard perks. Lounge benefits depend on how many visits per year are included and which lounges qualify — read the terms on the American Express page, as the scope is adjusted periodically.

Is the SAS Amex Elite worth the annual fee?

Work backwards from how you travel. Redeeming on long-haul — for example Sweden to Brazil, where a round-trip in economy runs around 55,000–60,000 points — usually returns more value per point than short European hops. The welcome bonus alone can cover a full long-haul ticket, which often exceeds the first year's fee on its own. If you only fly every other year, a lower-fee card is usually the better fit.

How to apply, step by step

The whole application runs on the American Express site. Follow these steps so the welcome bonus is registered correctly.

1. 1

   Get a EuroBonus number

   If you are not a member yet, create a free EuroBonus account with SAS. You need the number during the application.

2. 2

   Open the Member Invite link

   Use the link from an existing cardmember. The 60,000-point bonus is tied to that specific link — a generic ad may carry a different offer.

3. 3

   Complete the application

   You provide your personal ID number, income, housing cost and your EuroBonus number. It takes a few minutes and is signed with BankID.

4. 4

   Wait for the credit decision

   The decision usually arrives instantly or within a few days, and the card is then posted to you.

5. 5

   Meet the minimum spend

   Spend up to the requirement within the first months. Moving recurring bills to the card is the easiest way to get there in time.

6. 6

   Check your points

   Welcome points appear in your EuroBonus account a few weeks after the requirement is met. If they are missing, contact American Express with your application date.

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