Credit cards

Rewarding cards, tailored to your needs

Credit Cards | Reward cards - Natwest Private

Introducing the Reward Black credit card

Substantial spending power with some special travel benefits. Plus have the annual fee refunded if you're a Reward Black current account holder

Representative 33.6% APR (variable). Annual fee applies.

No foreign transaction fees

If you're a frequent traveller the Reward Black credit card could save you money. There are no foreign transaction fees so if you're being charged for your spending whilst overseas, Reward Black could help you make even more of your money

Earn Rewards on your everyday spending  

With Reward Black you earn with every pound you spend. Receive 1% Rewards on spend at MyReward retailers and 0.5% everywhere else you shop. Plus until 31st December earn 3% on your supermarket spend (1% thereafter. 0.5% at their petrol stations).

Find out more about MyRewards


Personalised Priority Servicing

As a Reward Black customer, when you call, your call will be prioritised. Whatever you need, our team is here to help, 24 hours a day, 365 days a year.

Have your annual fee refunded

We'll refund the annual fee for your Reward Black credit card if you also have a Reward Black current account. Monthly fee and eligibility criteria apply to the Reward Black current account, click here to find out more.

No balance transfer fee

Transfer an existing balance of up to 95% of your credit limit, fee free.





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

Annual fee

We’ll charge a £84 annual fee when you first use your Reward Black 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 Black current accounts, we’ll refund any annual fees that are charged to your Reward Black 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 Black current account, or after it is closed.

To get a Reward Black current account, you need to be aged 18 or over and UK resident, with either (i) £100,000 of annual personal income (paid into the current account); (ii) a NatWest mortgage of at least £300,000; or (iii) £100,000 of NatWest savings and investments.  £28 monthly fee applies.



Interest on fees and charges is payable in line with our terms and conditions. See Summary Box for full details. Always aim to pay off your credit card balance every month to make sure the benefit of Rewards outweighs any interest costs. 

Apply now Check if you're likely to be approved

Please download and read these documents before applying.

Summary Box (PDF, 57KB)

Sample Credit Card Agreement (PDF, 76KB)



Credit Cards | Reward cards - Natwest Private

Not sure if the Reward Black credit card is right for you?

As well as Reward Black, we also offer a range of other credit cards which you might prefer. You can find out more about our Clear Rate and Reward credit cards, and how they compare to Reward Black on our handy comparison table.

See our credit card range

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