{"id":1768,"date":"2026-10-09T10:14:27","date_gmt":"2026-10-09T08:14:27","guid":{"rendered":"https:\/\/skaffakreditkort.se\/remember-flex-eller-bank-norwegian\/"},"modified":"2026-10-09T10:14:27","modified_gmt":"2026-10-09T08:14:27","slug":"remember-flex-eller-bank-norwegian","status":"publish","type":"page","link":"https:\/\/skaffakreditkort.se\/en\/remember-flex-eller-bank-norwegian\/","title":{"rendered":"Ska du v\u00e4lja re:member flex eller Bank Norwegian?"},"content":{"rendered":"<p class=\"skk-fakta\">\n<strong style=\"display:block;margin-bottom:4px;color:#0f1a2a;\">Kort svar<\/strong><br \/>\nV\u00e4lj <a href=\"\/remember-flex-kreditkort\/\">re:member flex<\/a> om du vill ha l\u00e4gre r\u00e4nta, r\u00e4ntefri delbetalning och rabatter i webbutiker. V\u00e4lj <a href=\"\/norwegian-kreditkort\/\">Bank Norwegian<\/a> om du tar ut kontanter p\u00e5 resan, vill ha cashback eller CashPoints p\u00e5 k\u00f6pen och flyger med Norwegian. B\u00e5da korten kostar 0\u00a0kr per \u00e5r och har en kompletterande resef\u00f6rs\u00e4kring.\n<\/p>\n        <div class=\"skkc-listing skkc-listing-compact\">\n                            <div class=\"skkc-disclosure\">\n                    <svg class=\"skkc-icon\" viewBox=\"0 0 24 24\" width=\"16\" height=\"16\" aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"\/><line x1=\"12\" y1=\"8\" x2=\"12\" y2=\"12\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"\/><circle cx=\"12\" cy=\"16\" r=\"1\" fill=\"currentColor\"\/><\/svg>\n                    <span><a href=\"https:\/\/skaffakreditkort.se\/en\/\">Skaffa kreditkort<\/a> kan f\u00e5 provision n\u00e4r du klickar p\u00e5 l\u00e4nkar och tecknar produkter via v\u00e5r sajt. Det p\u00e5verkar inte vilka produkter vi rekommenderar.<\/span>\n                <\/div>\n                        <ul class=\"skkc-cards skkc-cards-compact\">\n                <li id=\"post-974\" class=\"skkc-cmp skkc-cmp-credit post-974 companies_post_type type-companies_post_type status-publish has-post-thumbnail hentry\">\n            <div class=\"skkc-cmp-rank-bar\">\n            <span class=\"skkc-cmp-rank-num\">1<\/span>\n            <span class=\"skkc-cmp-rank-label\">B\u00e4st<\/span>\n        <\/div>\n    \n    <div class=\"skkc-cmp-info\">\n                    <span class=\"skkc-cmp-issuer\">Entercard<\/span>\n                <h3 class=\"skkc-cmp-title\">\n            <a href=\"https:\/\/skaffakreditkort.se\/en\/remember-flex-kreditkort\/\">re:member flex<\/a>\n        <\/h3>\n                    <div class=\"skkc-cmp-score-line\">\n                <div class=\"skkc-cmp-score-bar\"><div class=\"skkc-cmp-score-fill\" style=\"width: 90%\"><\/div><\/div>\n                <span class=\"skkc-cmp-score-text\">4,5<\/span>\n                <span class=\"skkc-cmp-score-out\">\/5<\/span>\n            <\/div>\n            <\/div>\n\n    <div class=\"skkc-cmp-stats\">\n                    <div class=\"skkc-cmp-stat\">\n                <div class=\"skkc-cmp-stat-label\">\u00c5rsavgift<\/div>\n                <div class=\"skkc-cmp-stat-val\">0\u00a0kr<\/div>\n            <\/div>\n                            <div class=\"skkc-cmp-stat\">\n                <div class=\"skkc-cmp-stat-label\">Eff. r\u00e4nta<\/div>\n                <div class=\"skkc-cmp-stat-val\">18,91&nbsp;%<\/div>\n            <\/div>\n                            <div class=\"skkc-cmp-stat\">\n                <div class=\"skkc-cmp-stat-label\">R\u00e4ntefritt<\/div>\n                <div class=\"skkc-cmp-stat-val skkc-cmp-stat-green\">Upp till 56\u00a0dagar<\/div>\n            <\/div>\n                            <div class=\"skkc-cmp-stat\">\n                <div class=\"skkc-cmp-stat-label\">Kreditgr\u00e4ns<\/div>\n                <div class=\"skkc-cmp-stat-val\">120\u00a0000\u00a0kr<\/div>\n            <\/div>\n            <\/div>\n\n    <div class=\"skkc-cmp-cta-col\">\n        <a href=\"https:\/\/go.adt212.net\/t\/t?a=1047917113&#038;as=1466947740&#038;t=2&#038;tk=1\" class=\"skkc-cmp-btn\" rel=\"nofollow sponsored noopener\" target=\"_blank\" aria-label=\"G\u00e5 till annons\u00f6rens webbplats f\u00f6r re:member flex (\u00f6ppnas i ny flik)\" data-skkc-id=\"974\">Ans\u00f6k om re:member flex<\/a>        <a class=\"skkc-cmp-readmore\" href=\"https:\/\/skaffakreditkort.se\/en\/remember-flex-kreditkort\/\">L\u00e4s mer \u2192<\/a>\n    <\/div>\n<\/li>\n<li id=\"post-1013\" class=\"skkc-cmp skkc-cmp-credit post-1013 companies_post_type type-companies_post_type status-publish has-post-thumbnail hentry\">\n            <div class=\"skkc-cmp-rank-bar\">\n            <span class=\"skkc-cmp-rank-num\">2<\/span>\n            <span class=\"skkc-cmp-rank-label\"><\/span>\n        <\/div>\n    \n    <div class=\"skkc-cmp-info\">\n                    <span class=\"skkc-cmp-issuer\">Bank Norwegian (NOBA Bank Group)<\/span>\n                <h3 class=\"skkc-cmp-title\">\n            <a href=\"https:\/\/skaffakreditkort.se\/en\/norwegian-kreditkort\/\">Bank Norwegian<\/a>\n        <\/h3>\n                    <div class=\"skkc-cmp-score-line\">\n                <div class=\"skkc-cmp-score-bar\"><div class=\"skkc-cmp-score-fill\" style=\"width: 88%\"><\/div><\/div>\n                <span class=\"skkc-cmp-score-text\">4,4<\/span>\n                <span class=\"skkc-cmp-score-out\">\/5<\/span>\n            <\/div>\n            <\/div>\n\n    <div class=\"skkc-cmp-stats\">\n                    <div class=\"skkc-cmp-stat\">\n                <div class=\"skkc-cmp-stat-label\">\u00c5rsavgift<\/div>\n                <div class=\"skkc-cmp-stat-val\">0\u00a0kr<\/div>\n            <\/div>\n                            <div class=\"skkc-cmp-stat\">\n                <div class=\"skkc-cmp-stat-label\">Eff. r\u00e4nta<\/div>\n                <div class=\"skkc-cmp-stat-val\">24,36&nbsp;%<\/div>\n            <\/div>\n                            <div class=\"skkc-cmp-stat\">\n                <div class=\"skkc-cmp-stat-label\">R\u00e4ntefritt<\/div>\n                <div class=\"skkc-cmp-stat-val skkc-cmp-stat-green\">Upp till 45\u00a0dagar<\/div>\n            <\/div>\n                            <div class=\"skkc-cmp-stat\">\n                <div class=\"skkc-cmp-stat-label\">Kreditgr\u00e4ns<\/div>\n                <div class=\"skkc-cmp-stat-val\">150\u00a0000\u00a0kr<\/div>\n            <\/div>\n            <\/div>\n\n    <div class=\"skkc-cmp-cta-col\">\n        <a href=\"https:\/\/go.adt256.com\/t\/t?a=1882086706&#038;as=1466947740&#038;t=2&#038;tk=1\" class=\"skkc-cmp-btn\" rel=\"nofollow sponsored noopener\" target=\"_blank\" aria-label=\"G\u00e5 till annons\u00f6rens webbplats f\u00f6r Bank Norwegian (\u00f6ppnas i ny flik)\" data-skkc-id=\"1013\">Ans\u00f6k om Bank Norwegian<\/a>        <a class=\"skkc-cmp-readmore\" href=\"https:\/\/skaffakreditkort.se\/en\/norwegian-kreditkort\/\">L\u00e4s mer \u2192<\/a>\n    <\/div>\n<\/li>\n            <\/ul>\n            <div class=\"skkc-consumer-warning\" role=\"note\" aria-label=\"Viktig information om konsumentkrediter\">\n                <svg class=\"skkc-consumer-warning__icon\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\">\n                    <path d=\"M12 2L1 21h22L12 2z\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linejoin=\"round\" fill=\"none\"\/>\n                    <path d=\"M12 8.5v6.5\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"\/>\n                    <circle cx=\"12\" cy=\"18\" r=\"1.15\" fill=\"currentColor\"\/>\n                <\/svg>\n                <div class=\"skkc-consumer-warning__text\">\n                    <strong class=\"skkc-consumer-warning__title\">Att l\u00e5na kostar pengar!<\/strong>\n                    <p>Om du inte kan betala tillbaka skulden i tid riskerar du en betalningsanm\u00e4rkning. Det kan leda till sv\u00e5righeter att f\u00e5 hyra bostad, teckna abonnemang och f\u00e5 nya l\u00e5n. F\u00f6r st\u00f6d, v\u00e4nd dig till budget- och skuldr\u00e5dgivningen i din kommun. Kontaktuppgifter finns p\u00e5 <a href=\"https:\/\/www.konsumentverket.se\/ekonomi\/kommunal-budget-och-skuldradgivning\/\" rel=\"nofollow noopener\" target=\"_blank\">konsumentverket.se<\/a>.<\/p>\n                <\/div>\n            <\/div>\n        <\/div>\n        \n<p>Kreditkortet <a href=\"https:\/\/skaffakreditkort.se\/en\/remember-flex-kreditkort\/\">re:member flex<\/a> ges ut av Entercard, som \u00e4gs av Swedbank, och \u00e4r ett Mastercard. Bank Norwegian-kortet \u00e4r kopplat till flygbolaget Norwegians bonusvaluta CashPoints. Tabellen visar villkoren f\u00f6r b\u00e5da korten, kontrollerade hos utgivarna i oktober 2026.<\/p>\n<table>\n<thead>\n<tr>\n<th>Villkor<\/th>\n<th><a href=\"\/remember-flex-kreditkort\/\">re:member flex<\/a><\/th>\n<th><a href=\"\/norwegian-kreditkort\/\">Bank Norwegian<\/a><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td data-label=\"Villkor\">\u00c5rsavgift<\/td>\n<td data-label=\"re:member flex\">0\u00a0kr, \u00e4ven f\u00f6r extrakort<\/td>\n<td data-label=\"Bank Norwegian\">0\u00a0kr, extrakort finns inte<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Villkor\">R\u00e4nta<\/td>\n<td data-label=\"re:member flex\">Individuell, 9,74 till 21,90\u00a0%<\/td>\n<td data-label=\"Bank Norwegian\">R\u00f6rlig, 22,00\u00a0%<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Villkor\">Effektiv r\u00e4nta<\/td>\n<td data-label=\"re:member flex\">18,91\u00a0% vid 30\u00a0000\u00a0kr p\u00e5 12\u00a0m\u00e5nader<\/td>\n<td data-label=\"Bank Norwegian\">24,36\u00a0% vid 10\u00a0000\u00a0kr p\u00e5 12\u00a0m\u00e5nader<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Villkor\"><a href=\"https:\/\/skaffakreditkort.se\/en\/rantefri-kredit-med-kreditkort-sa-har-fungerar-det\/\">R\u00e4ntefria dagar<\/a><\/td>\n<td data-label=\"re:member flex\">Upp till 56<\/td>\n<td data-label=\"Bank Norwegian\">Upp till 45<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Villkor\">Kreditgr\u00e4ns<\/td>\n<td data-label=\"re:member flex\">Upp till 120\u00a0000\u00a0kr<\/td>\n<td data-label=\"Bank Norwegian\">Upp till 150\u00a0000\u00a0kr<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Villkor\"><a href=\"https:\/\/skaffakreditkort.se\/en\/basta-kreditkortet-utan-valutapaslag\/\">Valutap\u00e5slag<\/a><\/td>\n<td data-label=\"re:member flex\">2\u00a0%<\/td>\n<td data-label=\"Bank Norwegian\">1,99\u00a0%<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Villkor\">Uttagsavgift<\/td>\n<td data-label=\"re:member flex\">3\u00a0%, l\u00e4gst 35\u00a0kr<\/td>\n<td data-label=\"Bank Norwegian\">0\u00a0kr i Sverige och utomlands<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Villkor\">Bonus eller cashback<\/td>\n<td data-label=\"re:member flex\">Upp till 25\u00a0% rabatt i \u00f6ver 300 webbutiker med re:member reward och upp till 30\u00a0% med Superdealen<\/td>\n<td data-label=\"Bank Norwegian\">0,5\u00a0% cashback eller CashPoints p\u00e5 k\u00f6p f\u00f6r upp till 100\u00a0000\u00a0kr per \u00e5r<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Villkor\">F\u00f6rs\u00e4kringar<\/td>\n<td data-label=\"re:member flex\">Resef\u00f6rs\u00e4kring n\u00e4r mer \u00e4n 50\u00a0% av resan betalas med kortet, sj\u00e4lvriskeliminering f\u00f6r hyrbil ing\u00e5r<\/td>\n<td data-label=\"Bank Norwegian\">Resef\u00f6rs\u00e4kring n\u00e4r minst 75\u00a0% av resan betalas med kortet, hyrbilsf\u00f6rs\u00e4kring som tillval f\u00f6r 349\u00a0kr per \u00e5r<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Villkor\">Krav<\/td>\n<td data-label=\"re:member flex\">Minst 18\u00a0\u00e5r, en \u00e5rsinkomst p\u00e5 minst 150\u00a0000\u00a0kr och inga betalningsanm\u00e4rkningar<\/td>\n<td data-label=\"Bank Norwegian\">\u00d6ver 18\u00a0\u00e5r och inga betalningsanm\u00e4rkningar<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Vilket kort \u00e4r b\u00e4st utomlands?<\/h2>\n<p><a href=\"\/norwegian-kreditkort\/\">Bank Norwegian<\/a> \u00e4r det billigaste av de tv\u00e5 korten p\u00e5 resan, och skillnaden syns framf\u00f6r allt vid kontantuttag. Bank Norwegian tar ingen uttagsavgift i bankomater, varken i Sverige eller utomlands, medan <a href=\"\/remember-flex-kreditkort\/\">re:member flex<\/a> tar en avgift p\u00e5 varje uttag. Valutap\u00e5slaget \u00e4r n\u00e4stan lika h\u00f6gt f\u00f6r b\u00e5da korten.<\/p>\n<p>Det billigaste s\u00e4ttet att betala i utlandet \u00e4r att v\u00e4lja lokal valuta i kortterminalen, eftersom butikens egen <a href=\"https:\/\/konsumenternasbankochfinansbyra.se\/konsumentstod\/guider--checklistor\/guider---lan--betalningar\/betala-pa-resa\/valutavaxling\">valutav\u00e4xling<\/a> brukar bli dyrare. Den som reser ofta sparar mer med ett kort helt utan <a href=\"\/basta-kreditkortet-utan-valutapaslag\/\">valutap\u00e5slag<\/a>. R\u00e4kneexemplet g\u00e4ller en semestervecka med 20\u00a0000\u00a0kr i kortk\u00f6p och ett kontantuttag p\u00e5 3\u00a0000\u00a0kr i euro.<\/p>\n<ul class=\"skk-fordelar\">\n<li><strong>Kortk\u00f6p f\u00f6r 20\u00a0000\u00a0kr:<\/strong> valutap\u00e5slaget blir 400\u00a0kr med re:member flex och 398\u00a0kr med Bank Norwegian.<\/li>\n<li><strong>Kontantuttag p\u00e5 3\u00a0000\u00a0kr:<\/strong> re:member flex tar 90\u00a0kr i uttagsavgift plus 60\u00a0kr i valutap\u00e5slag, medan Bank Norwegian bara tar valutap\u00e5slaget p\u00e5 cirka 60\u00a0kr.<\/li>\n<li><strong>Bonus:<\/strong> Bank Norwegian ger 0,5\u00a0% cashback eller CashPoints p\u00e5 k\u00f6pen, allts\u00e5 100\u00a0kr, medan re:member flex inte ger n\u00e5gon bonus p\u00e5 vanliga kortk\u00f6p.<\/li>\n<li><strong>Kostnad f\u00f6r hela veckan:<\/strong> 550\u00a0kr med re:member flex och cirka 358\u00a0kr med Bank Norwegian n\u00e4r bonusen \u00e4r avr\u00e4knad.<\/li>\n<\/ul>\n<h2>Vilket kort ger mest tillbaka?<\/h2>\n<p><a href=\"\/norwegian-kreditkort\/\">Bank Norwegian<\/a> ger 0,5\u00a0% tillbaka p\u00e5 varuk\u00f6p, antingen som cashback eller som CashPoints. Bonusen har ett tak, s\u00e5 du f\u00e5r som mest 500\u00a0kr i cashback per kalender\u00e5r. Ingen bonus ges p\u00e5 kontantuttag, r\u00e4kningar som betalas via appen eller k\u00f6p av valuta.<\/p>\n<p>Cashback ges inte p\u00e5 k\u00f6p hos flygbolag, men v\u00e4ljer du CashPoints f\u00e5r du i st\u00e4llet 3 till 5\u00a0% p\u00e5 biljetter som du k\u00f6per hos Norwegian med kortet. En CashPoint \u00e4r v\u00e4rd en norsk krona och g\u00e5r att anv\u00e4nda till flygbiljetter, bagage och platsbokning hos Norwegian.<\/p>\n<p>Med <a href=\"\/remember-flex-kreditkort\/\">re:member flex<\/a> f\u00e5r du ingen procent tillbaka p\u00e5 allt du handlar, utan rabatter hos utvalda butiker. Rabatterna kommer fr\u00e5n f\u00f6rm\u00e5nsprogrammet re:member reward och fr\u00e5n Superdealen, som varje m\u00e5nad ger rabatter i butik och p\u00e5 n\u00e4tet.<\/p>\n<p>En rabatt i r\u00e4tt butik kan \u00e4nd\u00e5 ge mer \u00e4n en bonus p\u00e5 alla k\u00f6p. Ett k\u00f6p f\u00f6r 2\u00a0000\u00a0kr i en butik med 10\u00a0% rabatt ger 200\u00a0kr, lika mycket som Bank Norwegian ger p\u00e5 k\u00f6p f\u00f6r 40\u00a0000\u00a0kr. Fler kort som ger pengar tillbaka p\u00e5 alla k\u00f6p finns bland v\u00e5ra <a href=\"\/kreditkort-med-cashback\/\">kreditkort med cashback<\/a>.<\/p>\n<h2>Vilket kort har b\u00e4st resef\u00f6rs\u00e4kring?<\/h2>\n<p>Kravet f\u00f6r att f\u00f6rs\u00e4kringen ska g\u00e4lla \u00e4r den st\u00f6rsta skillnaden mellan korten. Med <a href=\"\/remember-flex-kreditkort\/\">re:member flex<\/a> r\u00e4cker det att mer \u00e4n h\u00e4lften av resan \u00e4r betald med kortet, medan <a href=\"\/norwegian-kreditkort\/\">Bank Norwegian<\/a> kr\u00e4ver en st\u00f6rre andel av resans transport och boende. B\u00e5da f\u00f6rs\u00e4kringarna g\u00e4ller resor p\u00e5 upp till 90\u00a0dagar och \u00e4r en kompletterande <a href=\"\/kreditkort-med-reseforsakring\/\">resef\u00f6rs\u00e4kring<\/a> som fungerar ovanp\u00e5 hemf\u00f6rs\u00e4kringen.<\/p>\n<table>\n<thead>\n<tr>\n<th>Moment<\/th>\n<th>re:member flex<\/th>\n<th>Bank Norwegian<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td data-label=\"Moment\">Krav<\/td>\n<td data-label=\"re:member flex\">Mer \u00e4n 50\u00a0% av resan med kortet<\/td>\n<td data-label=\"Bank Norwegian\">Minst 75\u00a0% av transport och boende med kortet, resan ska kosta minst 1\u00a0000\u00a0kr och b\u00f6rja och sluta i Norden<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Moment\">Avbest\u00e4llning<\/td>\n<td data-label=\"re:member flex\">20\u00a0000\u00a0kr per person, h\u00f6gst 60\u00a0000\u00a0kr per kort<\/td>\n<td data-label=\"Bank Norwegian\">25\u00a0000\u00a0kr per person, h\u00f6gst 50\u00a0000\u00a0kr per skada<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Moment\">F\u00f6rsening<\/td>\n<td data-label=\"re:member flex\">1\u00a0000\u00a0kr efter 6 timmar, 2\u00a0500\u00a0kr efter 24 timmar<\/td>\n<td data-label=\"Bank Norwegian\">500\u00a0kr efter 4 timmar, 1\u00a0500\u00a0kr efter 24 timmar<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Moment\">F\u00f6rsenat bagage<\/td>\n<td data-label=\"re:member flex\">3\u00a0000\u00a0kr efter 6 timmar, 6\u00a0000\u00a0kr efter 24 timmar<\/td>\n<td data-label=\"Bank Norwegian\">Upp till 1\u00a0000\u00a0kr efter 6 timmar, upp till 2\u00a0000\u00a0kr efter 48 timmar<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Moment\">Hyrbil<\/td>\n<td data-label=\"re:member flex\">Sj\u00e4lvriskeliminering upp till 30\u00a0000\u00a0kr per skada<\/td>\n<td data-label=\"Bank Norwegian\">Ing\u00e5r inte, tillval f\u00f6r 349\u00a0kr per \u00e5r<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Moment\">Barn som omfattas<\/td>\n<td data-label=\"re:member flex\">Hemmavarande barn under 25\u00a0\u00e5r<\/td>\n<td data-label=\"Bank Norwegian\">Barn under 23\u00a0\u00e5r i hush\u00e5llet<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Bank Norwegian har det h\u00f6gre avbest\u00e4llningsskyddet per person och ingen \u00e5ldersgr\u00e4ns i f\u00f6rs\u00e4kringen. F\u00f6r en familj p\u00e5 fyra som avbokar en resa f\u00f6r 80\u00a0000\u00a0kr ger \u00e4nd\u00e5 re:member flex upp till 60\u00a0000\u00a0kr och Bank Norwegian upp till 50\u00a0000\u00a0kr, eftersom taket per kort och per skada sl\u00e5r till. Den som hyr bil f\u00e5r med re:member flex en <a href=\"\/kreditkort-med-hyrbilsforsakring\/\">sj\u00e4lvriskeliminering f\u00f6r hyrbil<\/a> utan extra kostnad.<\/p>\n<p>F\u00f6rs\u00e4kringen i re:member flex ers\u00e4tter inte sjukv\u00e5rdskostnader. Bank Norwegian anger inget belopp f\u00f6r sjukv\u00e5rd men ger r\u00e5d fr\u00e5n svenska l\u00e4kare i appen Eyr. V\u00e5rd vid sjukdom utomlands ers\u00e4tts i st\u00e4llet av <a href=\"https:\/\/www.konsumenternas.se\/forsakringar\/reseforsakringar\/hemforsakringens-reseskydd\/\">hemf\u00f6rs\u00e4kringens reseskydd<\/a>, som normalt g\u00e4ller i 45\u00a0dagar.<\/p>\n<h2>Vilket kort \u00e4r billigast om du delbetalar?<\/h2>\n<p>R\u00e4ntan p\u00e5 <a href=\"\/remember-flex-kreditkort\/\">re:member flex<\/a> s\u00e4tts individuellt, och \u00e4ven den h\u00f6gsta niv\u00e5n \u00e4r l\u00e4gre \u00e4n <a href=\"\/norwegian-kreditkort\/\">Bank Norwegians<\/a> r\u00e4nta. Med re:member flex f\u00e5r du dessutom fler <a href=\"\/rantefri-kredit-med-kreditkort-sa-har-fungerar-det\/\">r\u00e4ntefria dagar<\/a> \u00e4n med Bank Norwegian.<\/p>\n<p>K\u00f6p mellan 3\u00a0000 och 20\u00a0000\u00a0kr kan delas upp med r\u00e4ntefri <a href=\"\/delbetalning-med-kreditkort\/\">delbetalning<\/a> p\u00e5 6, 12 eller 24\u00a0m\u00e5nader f\u00f6r 57\u00a0kr i m\u00e5naden. Bank Norwegian har ingen s\u00e5dan tj\u00e4nst i prislistan.<\/p>\n<ul class=\"skk-fordelar\">\n<li><strong>Tv f\u00f6r 10\u00a0000\u00a0kr med re:member flex:<\/strong> r\u00e4ntefri delbetalning p\u00e5 12\u00a0m\u00e5nader ger totalt 10\u00a0684\u00a0kr och en effektiv r\u00e4nta p\u00e5 13,12\u00a0%.<\/li>\n<li><strong>Samma k\u00f6p med Bank Norwegian:<\/strong> 12 m\u00e5nadsbetalningar p\u00e5 936\u00a0kr ger totalt 11\u00a0231\u00a0kr och en effektiv r\u00e4nta p\u00e5 24,36\u00a0%.<\/li>\n<li><strong>Skillnad:<\/strong> 547\u00a0kr till f\u00f6rdel f\u00f6r re:member flex.<\/li>\n<\/ul>\n<p>F\u00f6r att betala r\u00e4kningar eller f\u00f6ra \u00f6ver pengar till bankkontot \u00e4r Bank Norwegian billigare. Bank Norwegian tar 0\u00a0kr f\u00f6r betalningar och \u00f6verf\u00f6ringar fr\u00e5n kreditkortet, men r\u00e4ntan l\u00f6per fr\u00e5n betalningsdagen. Med re:member flex kostar en saldo\u00f6verf\u00f6ring eller fakturabetalning via Mina sidor 2\u00a0%, l\u00e4gst 35\u00a0kr, s\u00e5 en r\u00e4kning p\u00e5 5\u00a0000\u00a0kr kostar 100\u00a0kr extra.<\/p>\n<h2>Vem ska v\u00e4lja vilket kort?<\/h2>\n<p><a href=\"\/remember-flex-kreditkort\/\">re:member flex<\/a> l\u00f6nar sig mest f\u00f6r den som delbetalar och handlar p\u00e5 n\u00e4tet, medan <a href=\"\/norwegian-kreditkort\/\">Bank Norwegian<\/a> l\u00f6nar sig mest f\u00f6r den som reser, tar ut kontanter och flyger med Norwegian. Tabellen visar vilket kort som passar i de vanligaste situationerna.<\/p>\n<table>\n<thead>\n<tr>\n<th>Om du<\/th>\n<th>V\u00e4lj<\/th>\n<th>F\u00f6rdel<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td data-label=\"Om du\">Delbetalar st\u00f6rre k\u00f6p<\/td>\n<td data-label=\"V\u00e4lj\">re:member flex<\/td>\n<td data-label=\"F\u00f6rdel\">R\u00e4ntefri delbetalning f\u00f6r 57\u00a0kr i m\u00e5naden<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Om du\">Vill ha s\u00e5 l\u00e5g r\u00e4nta som m\u00f6jligt<\/td>\n<td data-label=\"V\u00e4lj\">re:member flex<\/td>\n<td data-label=\"F\u00f6rdel\">R\u00e4ntan s\u00e4tts individuellt fr\u00e5n 9,74\u00a0%<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Om du\">Handlar mycket i webbutiker<\/td>\n<td data-label=\"V\u00e4lj\">re:member flex<\/td>\n<td data-label=\"F\u00f6rdel\">Upp till 25\u00a0% rabatt med re:member reward<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Om du\">Hyr bil p\u00e5 semestern<\/td>\n<td data-label=\"V\u00e4lj\">re:member flex<\/td>\n<td data-label=\"F\u00f6rdel\">Sj\u00e4lvriskeliminering upp till 30\u00a0000\u00a0kr ing\u00e5r<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Om du\">Tar ut kontanter<\/td>\n<td data-label=\"V\u00e4lj\">Bank Norwegian<\/td>\n<td data-label=\"F\u00f6rdel\">0\u00a0kr i uttagsavgift<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Om du\">Flyger med Norwegian<\/td>\n<td data-label=\"V\u00e4lj\">Bank Norwegian<\/td>\n<td data-label=\"F\u00f6rdel\">3 till 5\u00a0% i CashPoints p\u00e5 biljetterna<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Om du\">Vill ha en bonus p\u00e5 alla varuk\u00f6p<\/td>\n<td data-label=\"V\u00e4lj\">Bank Norwegian<\/td>\n<td data-label=\"F\u00f6rdel\">0,5\u00a0%, upp till 500\u00a0kr per \u00e5r<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Om du\">Beh\u00f6ver en h\u00f6g kreditgr\u00e4ns<\/td>\n<td data-label=\"V\u00e4lj\">Bank Norwegian<\/td>\n<td data-label=\"F\u00f6rdel\">Upp till 150\u00a0000\u00a0kr<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Du ans\u00f6ker om korten via knappen p\u00e5 kortets sida hos oss, p\u00e5 sidan om <a href=\"\/remember-flex-kreditkort\/\">re:member flex<\/a> och sidan om <a href=\"\/norwegian-kreditkort\/\">Bank Norwegian<\/a>. Entercard g\u00f6r en <a href=\"https:\/\/skaffakreditkort.se\/en\/kreditkort-utan-uc\/\">kreditupplysning<\/a> innan re:member flex beviljas, och Bank Norwegian behandlar ans\u00f6kan automatiskt med svar direkt.<\/p>\n<h2>Vad undrar folk mest n\u00e4r de j\u00e4mf\u00f6r korten?<\/h2>\n<div class=\"skk-faq\">\n<h3>Vilket av korten har l\u00e4gst r\u00e4nta?<\/h3>\n<p>re:member flex har l\u00e4gst r\u00e4nta, 9,74 till 21,90\u00a0% beroende p\u00e5 kreditpr\u00f6vningen. Bank Norwegian har 22,00\u00a0% i r\u00e4nta f\u00f6r nya kunder och 24,36\u00a0% i effektiv r\u00e4nta i sitt representativa exempel.<\/p>\n<h3>Har korten extrakort?<\/h3>\n<p>Ja, re:member flex har extrakort f\u00f6r 0\u00a0kr, och k\u00f6pen med huvudkortet och extrakortet samlas p\u00e5 samma faktura. Bank Norwegian erbjuder inte extrakort till kreditkortskontot.<\/p>\n<h3>G\u00e4ller Bank Norwegians resef\u00f6rs\u00e4kring om resan betalas med CashPoints?<\/h3>\n<p>Ja, f\u00f6rs\u00e4kringen g\u00e4ller n\u00e4r minst 75\u00a0% av resekostnaden \u00e4r betald med kortet eller med CashPoints. Vid avbest\u00e4llning ers\u00e4tts bara den del av resan som betalats med pengar, och anv\u00e4nda CashPoints betalas inte tillbaka.<\/p>\n<h3>Vilket kort \u00e4r billigast f\u00f6r kontantuttag?<\/h3>\n<p>Bank Norwegian \u00e4r billigast med 0\u00a0kr i uttagsavgift i Sverige och utomlands, men i annan valuta tillkommer 1,99\u00a0% i valutap\u00e5slag. Med re:member flex kostar ett uttag 3\u00a0%, l\u00e4gst 35\u00a0kr, plus 2\u00a0% i valutap\u00e5slag n\u00e4r uttaget g\u00f6rs i annan valuta.<\/p>\n<h3>Vilka krav g\u00e4ller f\u00f6r att f\u00e5 korten?<\/h3>\n<p>F\u00f6r re:member flex ska du vara minst 18\u00a0\u00e5r, tj\u00e4na minst 150\u00a0000\u00a0kr per \u00e5r och sakna betalningsanm\u00e4rkningar. F\u00f6r Bank Norwegian ska du vara \u00f6ver 18\u00a0\u00e5r och sakna betalningsanm\u00e4rkningar.<\/p>\n<\/div>\n<p class=\"skk-warning\">\n<strong style=\"display:block;margin-bottom:4px;color:#92400e;\">Representativt exempel<\/strong><br \/>\nF\u00f6r kreditkort g\u00e4ller f\u00f6ljande representativa exempel: Vid utnyttjad kredit p\u00e5 20\u00a0000\u00a0kr \u00e5terbetalt \u00f6ver 12\u00a0m\u00e5nader \u00e4r den effektiva r\u00e4ntan 15 till 22\u00a0%. Det sammanlagda beloppet att betala tillbaka \u00e4r 21\u00a0500 till 22\u00a0400\u00a0kr. R\u00e4ntor \u00e4r r\u00f6rliga. Maxr\u00e4nta enligt konsumentkreditlagen \u00e4r Riksbankens referensr\u00e4nta + 20\u00a0procentenheter. Att l\u00e5na kostar pengar. Betala alltid hela fakturabeloppet i tid om du kan.\n<\/p>\n<div class=\"skk-internlankar\">\n<h3>L\u00e4s vidare<\/h3>\n<ul>\n<li><a href=\"\/basta-kreditkortet-pa-resan\/\">B\u00e4sta kreditkortet p\u00e5 resan<\/a><\/li>\n<li><a href=\"\/gratis-kreditkort\/\">Gratis kreditkort utan \u00e5rsavgift<\/a><\/li>\n<li><a href=\"\/kreditkort-med-bonus\/\">Kreditkort med bonus, po\u00e4ng och cashback<\/a><\/li>\n<li><a href=\"\/viktigt-att-tanka-pa-vid-kortanvandning-utomlands\/\">Viktigt att t\u00e4nka p\u00e5 n\u00e4r du anv\u00e4nder kreditkort utomlands<\/a><\/li>\n<li><a href=\"\/saldooverforing-med-kreditkort\/\">Saldo\u00f6verf\u00f6ring med kreditkort och n\u00e4r det l\u00f6nar sig<\/a><\/li>\n<li><a href=\"\/basta-mastercard-kreditkortet\/\">B\u00e4sta Mastercard-kreditkortet<\/a><\/li>\n<li><a href=\"\/avida-black-eller-remember-flex\/\">Avida Black eller re:member flex<\/a><\/li>\n<\/ul>\n<\/div>\n<p><script type=\"application\/ld+json\">\n{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Vilket av korten har l\u00e4gst r\u00e4nta?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"re:member flex har l\u00e4gst r\u00e4nta, 9,74 till 21,90 % beroende p\u00e5 kreditpr\u00f6vningen. Bank Norwegian har 22,00 % i r\u00e4nta f\u00f6r nya kunder och 24,36 % i effektiv r\u00e4nta i sitt representativa exempel.\"}}, {\"@type\": \"Question\", \"name\": \"Har korten extrakort?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Ja, re:member flex har extrakort f\u00f6r 0 kr, och k\u00f6pen med huvudkortet och extrakortet samlas p\u00e5 samma faktura. Bank Norwegian erbjuder inte extrakort till kreditkortskontot.\"}}, {\"@type\": \"Question\", \"name\": \"G\u00e4ller Bank Norwegians resef\u00f6rs\u00e4kring om resan betalas med CashPoints?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Ja, f\u00f6rs\u00e4kringen g\u00e4ller n\u00e4r minst 75 % av resekostnaden \u00e4r betald med kortet eller med CashPoints. 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F\u00f6r Bank Norwegian ska du vara \u00f6ver 18 \u00e5r och sakna betalningsanm\u00e4rkningar.\"}}]}\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>V\u00e4lj re:member flex om du vill ha l\u00e4gre r\u00e4nta, r\u00e4ntefri delbetalning och rabatter i webbutiker. V\u00e4lj Bank Norwegian om du tar ut kontanter p\u00e5 resan, vill ha cashback eller CashPoints p\u00e5 k\u00f6pen och flyger med Norwegian. B\u00e5da korten kostar 0\u00a0kr per \u00e5r och har en kompletterande resef\u00f6rs\u00e4kring. Kreditkortet re:member flex ges ut av Entercard, som \u2026<\/p>","protected":false},"author":5,"featured_media":1763,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-fullwidth.php","meta":{"_yoast_wpseo_focuskw":"remember flex eller bank norwegian","_yoast_wpseo_title":"re:member flex eller Bank Norwegian? 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J\u00e4mf\u00f6r avgifter, bonus och resef\u00f6rs\u00e4kring.","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","footnotes":"","ilj_linkdefinition":["remember flex eller bank norwegian","re:member flex eller Bank Norwegian","remember eller norwegian","norwegian eller remember","Bank Norwegian eller re:member flex","j\u00e4mf\u00f6r re:member flex och Bank Norwegian","re:member mot Bank Norwegian"],"_skk_eeat_byline_type":"person","_skk_eeat_fact_checker_id":1},"class_list":["post-1768","page","type-page","status-publish","has-post-thumbnail","hentry"],"blocksy_meta":{"styles_descriptor":{"styles":{"desktop":"","tablet":"","mobile":""},"google_fonts":[],"version":8}},"ilj_keywords":["remember flex eller bank norwegian","re:member flex eller Bank Norwegian","remember eller norwegian","norwegian eller remember","Bank Norwegian eller re:member flex","j\u00e4mf\u00f6r re:member flex och Bank Norwegian","re:member mot Bank Norwegian"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>re:member flex eller Bank Norwegian? 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