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

When you use the Reward credit card, you always get part of your spend back in Rewards. The average customer earns £83 of Rewards a year.

The £83 Rewards figure is based on an average monthly spend of £1,175 on our Reward credit cards.

What makes this card different?

 

Some credit card providers place a limit on how many rewards you can earn. What's great about the Reward credit card is there's no limit to the Rewards you can earn. The more you use it, the more you'll earn.  

 

5.00 Rewards = £5.00 when redeemed

 

Everyday Rewards:

 

 

Plus we'll refund the annual fee if you also have a Reward current account

(available to over 18's and UK residents only. Monthly fee applies and additional criteria apply for Reward Black)

Accordion

Icon expand Find out more about the annual fee and annual fee refund

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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