Reward credit card

The credit card that rewards you for shopping

Representative 23.7% APR (variable)

Rewards when you shop

You'll get 1% back at supermarkets

Earn 1-15% back at selected retailers

And 0.25% back everywhere else, including supermarket petrol stations

And more little extras

Annual fee applies - but we'll refund it if you have a Reward current account

Manage your card wherever, whenever with the NatWest mobile app (Criteria applies)

Use worldwide at Mastercard locations

Representative example

Purchase rate

p.a (variable)

Representative APR


Assumed credit limit


Annual fee

or £0 if you have a Reward current account

Managing your credit card


How do credit cards with points work?

You earn points whenever you use your Reward credit card and these points are known as Rewards. Some other credit card schemes put a cap on the Rewards you can earn – we don’t.

Where to earn Rewards

You'll earn 1% in Rewards in supermarkets and 0.25% everywhere else. You'll also be given personalised monthly spend offers from some of our partner retailers.

How to use your Rewards

It's easy. Once your balance has grown to at least £5, we'll give you a choice of what do with them. You can bank them, trade them or donate them to one of our chosen charities.

About the annual fee and annual fee refund

We'll refund the annual fee for your Reward credit card if you also have a Reward current account.

Paying your credit card

There are a number of convenient ways you can make a payment to your card.

Other charges or fees

Some other important details you should be aware of.

Card Features

Instalment Plans

Got a big purchase in mind but don’t want all the money to come out of your current account? A credit card Instalment Plan could be a good way to spread the cost.

Ways to pay

There are plenty convenient ways to pay using the Reward credit card.

Mobile App Features

Lock and unlock your credit card

Take control of your spending

Check your credit score

Replace your credit card

Set your travel plans

What you should know

Our mobile app is available to customers with Online Banking, compatible iOS and Android devices and a UK or international mobile number in specific countries.

Will I be accepted for this credit card?

Ready to apply?

Let's get started. Do you have NatWest Online Banking?

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The quickest route

As we already know a bit about you, applying for a Reward credit card should be pretty easy as we can pre-fill in a lot of your application.

What you'll need

Your income, outgoings and employment details

Your online banking log in details

A note of any cards you wish to transfer a balance from

Now for the important legal stuff

To apply, you must be

Aged 18+

A mainland UK resident

Earning at least £10k per year

Aware that this card has an annual fee (unless you have a Reward current account)

Important information

Please take some time to review, print and/or save the important information. By clicking that you’re ready to continue, you are confirming that you have been provided with, and have acknowledged our important documents.

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

Are you ready to continue?

Great! Looks like you're all set and ready to go.

Register for online banking

You'll need to sign up for online banking with us in order to apply for the Reward credit card online. The good news is that it normally takes only 5 minutes.

What you'll need

You'll need your sort code and account number, and your NatWest debit card if you have one.

Something else we can help you with?