I can vouch for this. We recently did 11 nights on Seabourn Ovation in Iceland, Scotland, Norway, Sweden and Denmark and used credit cards everywhere without question. We took a few English Pounds that we had on hand, used for a tip to the tour guide. Since we had nothing planned for Oslo we took some Norwegian Kroner, and the only time I used it, the person at the cash had to cancel and re-enter the transaction as she assumed it would be a credit card. Finally, in Sweden our guide told us if we had cash, to put it away as no one would accept it!