Credit cards

Choose 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

 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

Good for - 0% on balance transfers and purchases

0% on balance transfers for 20 months, from account opening (thereafter standard rates apply). To enjoy the offer you need to make your transfers within the first 3 months

0% on purchases for the first 3 months (thereafter standard rates apply)

No balance transfer fees

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 abroad

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 23.7% 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 safety net while you're busy studying

Maximum credit limit of £500

Helps to build your 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. 

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.

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

Something else we can help you with?