Reward Black Credit Card Rewards Calculator

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Each year you could earn (based on average customer spend)

£

  • Regular Rewards
    £ per year

  • +
  • Special Offer Rewards £

  • Do you have a Reward Black current account? We'll refund the annual fee for your Reward Black credit card. Find out more.

Your actual credit limit and APR will vary depending on our credit assessment of you.

If you have a Reward Black current account we'll refund the annual credit card fee.

To apply you must be a mainland UK resident, 18 years old and earning over £15k p.a.

 

*Rewards are displayed as a cash equivalent when redeemed.

How are Rewards calculated?

You'll get rewarded when you use your NatWest Reward Black credit card to pay for qualifying purchases.

Supermarket offers come to you direct from NatWest and are not in any way endorsed, sponsored, sold or promoted by supermarkets nor is this implemented with the supermarket’s cooperation. 

5.00 Rewards = £5.00 when redeemed.

  • Can we ask you some questions? We promise we'll be quick

    I spend £
    per

    This includes everything you spend at the supermarket excluding petrol forecourts.

  • That's great! Just a few more things to ask

    I spend £
    per
  • Thanks! Almost there

    I spend £
    per

    It could be anything from a garden mower to new socks!

Representative 37.1% APR (variable).

Annual fee applies (but is refunded if you have a Reward Black current account).

*Rewards are displayed as a cash equivalent when redeemed.

How are Rewards calculated?

You'll get rewarded when you use your NatWest Reward Black credit card to pay for qualifying purchases.

Supermarket offers come to you direct from NatWest and are not in any way endorsed, sponsored, sold or promoted by supermarkets nor is this implemented with the supermarket’s cooperation. 

5.00 Rewards = £5.00 when redeemed.

This is how much you could earn a year

Rewards each year

I spend £
per
£

View MyRewards retailers

Why this credit card?

 

Earn 1% Rewards in supermarkets (0.5% at their petrol stations)

1% or more at MyRewards retailers

0.5% everywhere else you shop, anywhere in the world!

Earn 10% in Rewards when you spend £20+ at Trainline before May 31st. (£10 max.)

Annual fee refunded when you have a NatWest Reward current account

For our latest Rewards offers, see our seasonal Rewards calendar >

"How much will I earn in Rewards?" - Rewards explained

Whenever you spend using your Reward credit card, you’ll earn points known as Rewards. Some credit card providers place a limit on how many rewards you can earn, but we don’t. It’s simple - 5.00 in Rewards equals £5 when redeemed.

 

As soon as your available Rewards balance is the equivalent of £5 or more, you can convert them to money into your bank account, gift cards from our selected partner retailers or charitable donations to our selected charities.

 

Did you know the average customer earns £83 of Reward in a year?

 

Use our online calculator to get an indication of how much you’ll earn based on your own spending.

Calculate my Rewards

(Average Rewards based on a monthly spend of £1175 on our Rewards cards)

More about the annual fee and annual fee refund

We'll refund the annual fee for your Reward credit card if you also have a Reward current account. 

Monthly fee and eligibility criteria apply to the Reward current account range.

 

Annual fee
 

We’ll charge a £24 annual fee when you first use your Reward credit card account (for example, by making a purchase or a balance transfer) and then each following year on the anniversary of that date.

 

 

Annual fee refund

If you hold or open one of our Reward or Reward Black current accounts, we’ll refund any annual fees that are charged to your Reward credit card account while the current account remains open.  Each annual fee and refund will show on the same monthly credit card statement.

We’ll not refund all or part of any annual fee charged to your credit card account before you open a Reward or Reward Black current account, or after it is closed.

Our Reward and Reward Black current accounts include Reward, Reward Silver, Reward Platinum and Reward Black. To get these current accounts, you need to be aged 18 or over and UK resident, plus additional criteria apply for Reward Black. Monthly fees apply.

 

I spend £
per
£

I spend £
per
£

Earn at least £

Representative example

Standard interest rate for purchases: 18.9% p.a.(variable), Representative 37.1% APR (variable) based on an assumed Credit Limit of £1,200, Annual fee: £84.

The actual credit limit and APR will vary depending on our credit assessment of you.

If you have a Reward Black current account we'll refund the annual credit card fee.

*Rewards are displayed as a cash equivalent when redeemed.

How are Rewards calculated?

You'll get rewarded when you use your NatWest Reward Black credit card to pay for qualifying purchases. 

Supermarket offers come to you direct from NatWest and are not in any way endorsed, sponsored, sold or promoted by supermarkets nor is this implemented with the supermarket’s cooperation. 

5.00 Rewards = £5.00 when redeemed.

1%

at all supermarkets (0.5% at their petrol stations)

1%

(minimum) with selected retailers

0.5%

everywhere else

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