re:member NO review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
re:member NO suits Norwegian card users who want cashback rewards and pay their balance in full, and the annual fee is NOK 0. Borrowing is the weak spot: interest of 29.89% and a conversion fee of 2% mean it fits spending at home better.
Key facts
- Best for
- A rewards credit card for Norwegian spending with no annual charge.
- Annual fee
- NOK 0 (Source, checked September 26, 2026)
- APR
- 29.89% (Source, checked September 26, 2026)
- Currency conversion fee
- 2% (Source, checked September 26, 2026)
- Rewards type
- Cashback (Source, checked September 26, 2026)
- Rewards rate
- Up to 20% discount in over 200 online stores (re:member reward on re:member black) (Source, checked September 26, 2026)
- 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 (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- Entercard Norge, filial av Entercard Group AB (Source, checked September 26, 2026)
- Headquarters
- Norway (Source, checked September 26, 2026)
- Founded
- 1999 (Source, checked September 26, 2026)
- Support channels
- Phone, Help-centre (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Rewards
- Official website
- remember.no
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- Annual fee of NOK 0, so nothing is owed for the year.
- Cashback rewards (cashback) with store discounts through re:member reward.
- Travel and cancellation insurance on trips paid by card (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 and Contactless payment with Apple Pay, Google Pay and Garmin Pay).
- Interest free credit, a free extra card and a free e-invoice (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 and Contactless payment with Apple Pay, Google Pay and Garmin Pay).
Cons
- Interest of 29.89% is above the site median of 20.97%, so balances cost more.
- Conversion of 2% is above the site median of 1% on foreign spend.
- Support runs on phone and help centre, with no email or live chat listed.
Who it suits
- Norwegian residents who pay their balance in full each month.
- Single-card households, since the extra card and e-invoice are free (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 and Contactless payment with Apple Pay, Google Pay and Garmin Pay).
- Travellers paying for trips by card, which the insurance terms ask for (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 and Contactless payment with Apple Pay, Google Pay and Garmin Pay).
Who should look elsewhere
- Varo Believe Secured Credit Card, since it is a secured card for building credit rather than for rewards.
- Chime Card (Secured Visa Credit Card), a secured credit builder with an annual fee of $0.
- Bitpanda, a euro card with an annual fee of €0.
Where it sits among rivals
On annual fee, re:member NO places 1 among 301 brands ranked, so the yearly cost is where it stands out. The ranking reverses once borrowing starts: 109 out of 133 on interest, and 105 out of 181 on currency conversion. Shortlist on fees, then check the borrowing rate.
How re:member NO compares
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Where re:member NO is available
- Available
- Norway
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does re:member NO cost to hold?+
The annual fee is NOK 0, so keeping the card open costs nothing a year. Interest runs at 29.89% when you carry a balance, and foreign spending costs 2% in conversion. Paying in full and spending at home is what keeps the cost down.
Is there interest free time on what I spend?+
The card terms list interest free credit, together with a free extra card and a free e-invoice (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 and Contactless payment with Apple Pay, Google Pay and Garmin Pay). It is a credit card, so clearing the balance inside that interest free window keeps interest away.
How do the rewards work?+
Rewards are cashback rather than points (cashback). The savings come from the re:member reward programme, which gives discounts across online stores, and store discounts are listed among the card benefits in 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 and Contactless payment with Apple Pay, Google Pay and Garmin Pay.
Who issues the card?+
The card runs through Entercard Norge, filial av Entercard Group AB, the Norwegian branch of a Swedish group, and the brand has been trading since 1999. Your agreement is with that company, so its terms decide what applies to a balance you keep.
How much can I borrow?+
The credit line is set out in the card terms listed under 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 and Contactless payment with Apple Pay, Google Pay and Garmin Pay, which also cover insurance, interest free credit, an extra card and e-invoice. It is a credit card, so you repay what you spend.
How do I get help if something goes wrong?+
Support runs on phone and help centre, which gives you a phone line and a help centre. There is no email address or live chat listed, so a disputed charge is easier to sort by phone than in writing.
Can I pay with my phone or watch?+
Contactless payment works with Apple Pay, Google Pay and Garmin Pay, all part of 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 and Contactless payment with Apple Pay, Google Pay and Garmin Pay. The same list includes travel and cancellation insurance, which applies when most of the trip is paid with the card.
Sources
- remember.no checked September 26, 2026
Backs: Headquarters, Legal entity, Rewards type
“Adresse: Dronning Eufemias gate 6B, PB 6783, St. Olavs Plass, 0130 Oslo”
- remember.no/kredittkort checked September 26, 2026
Backs: Card kind, Features, Perks, Rewards rate
- remember.no/kredittkort/priser-og-vilkar-black checked September 26, 2026
Backs: Annual fee, APR, Currency conversion fee, Pricing model, Support channels
“Eff. rente 29,89 %, 15 000 kr o/ 12 mnd. Kostnad 1 695 kr. Totalt 16 695 kr.”
- remember.no/kundeservice/om-remember checked September 26, 2026
Backs: Founded
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Related by the facts
re:member NO
A rewards credit card for Norwegian spending with no annual charge.