Balance Transfer credit card
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
Credit cards
Take your pick from our simple range of credit cards
Compare credit cards
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.
Good for - 0% on purchases and balance transfers
0% for 23 months on balance transfers made within the first 3 months (standard rates apply thereafter)
No fees for balance transfers
0% interest on things you buy for the first 3 months (standard rates apply thereafter)
Representative Example
Purchase rate: 19.9% p.a. (variable) Representative APR: 19.9% APR (variable) Assumed credit limit: £1200 Annual fee: £0
Your actual credit limit and APR may vary depending on our credit assessment of you.
The NatWest Credit Card
To apply, you must be 18+ and a UK resident earning at least £10K per year
Good for - saving money when you travel
No foreign transaction fees
A low rate on purchases
No balance transfer fees
Representative Example
Purchase rate: 9.9% p.a. (variable) Representative APR: 9.9% APR (variable) Assumed credit limit: £1200 Annual fee: £0
Your actual credit limit and APR may vary depending on our credit assessment of you.
Reward credit card
Representative 37.1% APR (variable)
To apply, you must be 18+ and a mainland UK resident earning at least £10K per year
Good for - Rewards when you shop
Earn 1% back in Rewards on supermarket spend (0.5% 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
Representative Example
Purchase rate: 18.9% p.a. (variable) Representative APR: 23.7% APR (variable) Assumed credit limit: £1200 Annual fee: £24
Your actual credit limit and APR may vary depending on our credit assessment of you.
Reward Black credit card
Representative 37.1% APR (variable)
To apply, you must be 18+ and a mainland UK resident earning at least £15K per year
Good for - Rewards at home and abroad
No foreign transaction fees
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
Representative Example
Purchase rate: 18.9% p.a. (variable) Representative APR: 37.1% APR (variable) Assumed credit limit: £1200 Annual fee: £84
Your actual credit limit may vary depending on our credit assessment of you.
Student credit card
To apply, you must be 18+, a UK resident and have a NatWest Student current account
Good for - helping with student life
A useful safety net for student life
Maximum credit limit of £500
Build a credit profile for future borrowing
Representative Example
Purchase rate: 18.9% p.a. (variable) Representative APR: 18.9% APR (variable) Assumed credit limit: £500 Annual fee: £0
Your actual credit limit may vary depending on our credit assessment of you.
Get the thumbs up before you start.
Use our eligibility checker to find out whether you’re likely to be accepted before you apply. It takes just 2 minutes and there’s no impact on your credit rating.
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.
Our guide to credit cards
Want a bit more background detail about how credit cards work? We'll help you understand the basics, such as what balance transfers are, and offer you some useful hints and tips.
Useful info about our cards
Applying online is easy, safe and secure. It takes about 10 minutes and we ask some basic information about you and your finances. If you bank online with us, we'll also prefill the first stage of your application to make it quicker for you.
To complete your application you'll need to know:
Your address(es) for the last three years
Your income and employment details
Your bank account details
Details of any cards you wish to do a balance transfer from
You can check out this short video guide to find out more about applying online.
You can manage your credit card in a way that could improve your credit score.
When you apply for borrowing, lenders will look to see how you’ve managed your borrowing in the past, and so paying your credit card on time every month and staying within your credit limit can be an effective way to help your credit score.
Our cards are Mastercard, which means they’re accepted all over the world. They’re also Contactless enabled, which means you can pay for purchases up to £30 at selected UK retailers without needing to enter your PIN.
If paying with your mobile phone is your thing, then we also offer Apple Pay functionality. Simple and easy.
What you should know
Apple Pay is available on selected Apple devices.
The good news is, we're not short of help and support when it comes to credit cards.
A good starting point is our guide to credit cards. Check it out to get a handle on how they work, including important things like balance transfers and credit scoring.
If you have a specific question, why not ask Cora, our digital assistant? She never sleeps and is available 24/7. You can find her by selecting the ‘need help?’ tab on the right of this page or by visiting our Support Centre.