My experience of Norway so far…
We haven’t been to the big towns (apart from when we flew into Bergen). But even in the very small places, card acceptance is everywhere.
As others have said, the contactless function is often disabled (or isn’t supported by the terminal), but chip and pin is fine.
Came across one place that would only accept Norwegian cards - But managed to get around that by paying the chap through PayPal!
Even the ferry crossings (car ferries), take card.
We didn’t take any cash out with us, and we still don’t have any now! It’s a very cashless society here.
No issues with Monzo, and as 3G is supported almost everywhere, you still get the notifications.
There are no merchant icons in the app - But that’s fair enough!
Lastly… if anyone has the opportunity to come here… it is simply the most breathtaking place I’ve ever been.