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Credit cards

Pick from our different types of credit cards

Thinking of getting a credit card?

Whether you’re looking to do a balance transfer, make a big purchase, travel abroad or earn Rewards on your spending, we could have a credit card to suit your lifestyle. Have a browse of our Mastercard® credit cards below.

Balance Transfer credit card

Good for - no fee to transfer a balance
  • 0% for 20 months from account opening on balance transfers made within the first 3 months, after which standard rates apply
  • No fees to transfer a balance to this credit card
  • 0% on purchases for 3 months from account opening, thereafter standard rates apply

To apply, you must hold a current account, savings account, credit card or mortgage with NatWest, be a UK resident, aged 18+ and earning at least £10K per year

Representative example
19.9% p.a. (variable)
19.9% (variable)

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

Longer Balance Transfer Card

Good for - more time to pay your balance off
  • 0% for 28 months from account opening on balance transfers made within the first 3 months, after which standard rates apply
  • 2.75% balance transfer fee applies
  • 0% on purchases for 3 months from account opening, thereafter standard rates apply

To apply, you must hold a current account, savings account, credit card or mortgage with NatWest, be a UK resident, aged 18+ and earning at least £10K per year

Representative example
19.9% p.a. (variable)
19.9% (variable)

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

The NatWest Credit Card

Good for - low rates and saving money abroad
  • No foreign transaction fees on purchases
  • Low rates on purchases and balance transfers
  • No balance transfer fees

To apply, you must hold a current account, savings account, credit card or mortgage with NatWest, be a UK resident, aged 18+ and earning at least £10K per year

Representative example
9.9% p.a. (variable)
9.9% (variable)

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

Reward credit card

Good for - Rewards on spending
  • Earn 1% back in Rewards on supermarket spend (0.25% at their petrol stations and everywhere else)
  • Get between 1-15% back at selected MyRewards retailers
  • Annual fee refunded if you have a Reward current account

To apply, you must hold a current account, savings account, credit card or mortgage with NatWest, be a UK resident, aged 18+ and earning at least £10K per year

Representative example
18.9% p.a. (variable)
23.7% (variable)
£24 Or £0 if you have a Reward current account.

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

Reward Black credit card

Good for - Rewards at home and abroad
  • No foreign transaction fees on purchases
  • 1% back in Rewards on supermarket spend (0.5% at their petrol stations and everywhere else)
  • Annual fee refunded if you have a Reward Black current account

To apply, you must hold a current account, savings account, credit card or mortgage with NatWest, be a UK resident, aged 18+ and earning at least £15K per year

Representative example
18.9% p.a. (variable)
37.1% (variable)
£84 Or £0 if you have a Reward Black current account.

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

Student credit card

Good for - helping with student life
  • A safety net while you're busy studying
  • Maximum credit limit of £500
  • Helps to build your credit profile for future borrowing

To apply, you must be 18+, a UK resident and have a NatWest Student current account

Representative example
18.9% p.a. (variable)
18.9% (variable)

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

Other ways we can help

Manage your existing credit card

We've got some useful ways to help you get the most out of your existing card. Find out how to make a payment, view your transactions, change your credit card or take out a new one and more.

Credit card, loan or overdraft?

If you're looking to borrow money, we know it can be difficult deciding which type of lending best suits your needs. So, we've summarised the options for you to easily compare and contrast.

Support with Coronavirus

If you're concerned about being unable to make your repayments on your NatWest credit card, we have lots of guidance and support to help you.

Something else we can help you with?