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re:member NO review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

re:member NO suits Norwegian adults who want a fee free credit card alongside a fixed rate loan. The card charges an annual fee of NOK 0 and the black card runs at an APR of 29.89%, so borrowing cost is where the price sits.

Key facts

Best for
Norwegian adults pairing a fee free black credit card with a fixed rate personal loan.
Annual fee
NOK 0↗
APR
29.89%↗
Currency conversion fee
2%↗
Rewards type
Cashback↗
Rewards rate
Up to 20% discount in over 200 online stores (re:member reward on re:member black)↗
Perks
Travel and cancellation insurance included when at least 50% of travel transport costs is paid with the card, Up to 45 days interest-free credit, Contactless payment with Apple Pay, Google Pay and Garmin Pay, Credit line up to NOK 150,000, Free extra card and free e-invoice, Discounts in over 200 online stores via re:member reward↗
Card kind
Credit↗
Legal entity
Entercard Norge, filial av Entercard Group AB↗
Headquarters
Norway↗
Founded
1999↗
Support channels
Phone, Help-centre↗
Pricing model
No annual fee
Features
Rewards
Official website
remember.no

Loans

Loan amount
NOK 10,000 to NOK 350,000↗
Term
12 to 60 months↗
Arrangement fee
Etableringsgebyr 990-1590 kr↗
Credit check
Hard↗
Funding time
3-4 business days↗
Representative example
240 000 kr o/ 5 år nom. rente 11,3 % / Eff. 12,60%. Kostnad 79 775 kr. Totalt 319 775 kr. (APR 12.60%)↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Age 18+, stable income, no registered payment remarks; Norwegian account number↗
Loan types
Personal, Debt-consolidation↗
Use cases
Home-improvement↗

Facts checked September 26, 2026, 10 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataLinkedIn

Pros and cons

Pros

  • The black card carries an annual fee of NOK 0 and still pays cashback rewards
  • Loans are a direct lender product with fixed rates over 12 to 60
  • Early repayment is free, so a loan can be cleared early without a charge

Cons

  • The card APR of 29.89% sits far above the card median of 16%
  • Loans add an origination fee of Etableringsgebyr 990-1590 kr to the interest
  • Support runs on phone and help centre only
re:member NO

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Scored 8.8 / 10 by SumCue.

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Who it suits

  • Norwegian adults with a Norwegian account number and a stable income
  • Borrowers planning home improvement who want a fixed rate and free early repayment
  • Card users who want a fee free credit card with cashback and store discounts

Who should look elsewhere

  • Anyone outside Norway, since eligibility rests on a Norwegian account number and the card is priced in NOK
  • Credit card shoppers wanting a low interest balance card, given the card APR of 29.89%
  • Borrowers who want same day money, since funding takes 3-4 business days

Rates and terms

The black credit card runs at an APR of 29.89%, and the loan side of the offer sits on a fixed rate basis. Loans cover NOK 10,000 to NOK 350,000 over a term of 12 to 60, with the interest rate fixed for the period rather than moving with the market. Applications take a hard credit check, decisions land in 3-4 business days, and early repayment carries no charge. An origination fee of Etableringsgebyr 990-1590 kr is added when a loan is set up.

Where it sits among rivals

On annual fee the card sits at rank 1 of 312 brands, which reflects the NOK 0 charge. APR is less comfortable, at rank 113 of 138, and the currency conversion fee of 2% places it at 109 of 186. Card rewards run on a cashback basis rather than points or miles.

How re:member NO compares

Where re:member NO is available

Available
Norway

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much is the re:member black credit card to keep?+

The annual fee on the re:member black card is NOK 0, so holding it adds nothing in fees. Interest is the main cost instead, and the card runs at an APR of 29.89%. The credit line is a revolving balance, so spending has to be repaid, and the interest-free window on the card keeps short-term spending free of interest.

What does borrowing money through re:member cost?+

Loans carry an origination fee of Etableringsgebyr 990-1590 kr on top of the interest, and the interest rate is fixed for the term. The published representative example lists the effective rate, the cost of the credit and the total repaid for a longer loan taken out over several years. Early repayment carries no charge, so the arrangement fee is the part you cannot avoid.

How fast can I get a loan from re:member?+

Funding takes 3-4 business days from application to money in the account, and a hard credit check (hard) runs on the way. Applications ask for a Norwegian account number and a stable income, with no registered payment remarks on record. re:member lends as a direct lender, so you deal with a single provider rather than a broker.

What rewards do I get on the re:member black card?+

Rewards are paid as cashback, and store discounts run through re:member reward across a wide network of online stores. The card also adds travel and cancellation insurance when most of your travel transport costs are paid with it, an interest-free credit window, a free extra card and a free e-invoice. Contactless payment works with Apple Pay, Google Pay and Garmin Pay.

Who can apply for a re:member loan or card?+

Applicants need to be adults with a stable income and no registered payment remarks, and a Norwegian account number is required. That makes the offer single market, aimed at Norwegian residents rather than people living elsewhere. A minimum age applies to every applicant, and the card is priced in Norwegian kroner.

How much can I borrow and for how long?+

Loan amounts run NOK 10,000 to NOK 350,000, and a term of 12 to 60 is available. The rate is fixed for the whole period, which makes budgeting easier than a variable deal. Applications use a hard credit check, and early repayment is free, so you can shorten the term once cash allows without paying a charge.

What kinds of loan does re:member offer?+

The lender covers personal loans and debt consolidation, with home improvement a listed use. It lends as a direct lender rather than a broker, so approval and terms come from a single provider. Support runs on phone and help centre, so questions go by phone or through the help centre rather than by email or live chat.

Sources

Compiled from 10 source pages, checked September 26, 2026. We did not open an account.

re:member NO

re:member NO

Norwegian adults pairing a fee free black credit card with a fixed rate personal loan.

8.8/10See alternatives