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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

Check your eligibility

Use our eligibility checker to find out if you'll be accepted for this credit card before you apply. It won't impact your credit rating and it takes just 2 minutes.

Representative example

Purchase rate

18.9%
p.a (variable)

Representative APR

23.7%
(variable)

Assumed credit limit

£1200

Annual fee

£24
or £0 if you have a Reward current account

Managing your credit card

Rewards

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.

Get ready to apply

First, let's check your eligibility

Use our free eligibility checker before you apply to see if you’re likely to be accepted. It takes just 2 minutes and there’s no impact on your credit score.

If you've already checked, you're good to move on to the legal documents below.

Now please take a look at the important legal info

By selecting 'continue' below, you are confirming that you have been provided with, and are happy with what's in these documents. Please take some time to review, print and/or save the important information.

All okay? Let's get started.

Do you have NatWest Online Banking?
You'll need to have Online Banking to apply online with us. If you don't, we'll help you sign up easily in just 5 minutes. Remember, you can also apply through our mobile app.

You're all set

Just a heads up - here's what you'll need to apply:

  • Your Online Banking login details
  • Your address details for the last 3 years
  • Your income, outgoings and employment details
  • A note of any cards you wish to transfer a balance from

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. If you need a hand, follow our step-by-step guide below.

What you'll need

  • Your sort code and account number
  • Your NatWest debit card, if you have one

Online Banking is available to customers aged 11+ with a NatWest account.

You're all set

Just a heads up - here's what you'll need to apply:

  • Your Online Banking login details
  • Your address details for the last 3 years
  • Your income, outgoings and employment details
  • A note of any cards you wish to transfer a balance from

Forgotten your Online Banking login details?

Don't worry, you can re-register for Online Banking in around 5 minutes. By doing that, you'll be reminded of your customer number and can choose a new PIN and password. If you need a hand, follow our step-by-step guide below.

What you'll need

  • Your sort code and account number
  • Your NatWest debit card, if you have one

Online Banking is available to customers aged 11+ with a NatWest account.

You're all set

Here's what you'll need to apply

  • Your Online Banking login details
  • Your address details for the last 3 years
  • Your income, outgoings and employment details
  • A note of any cards you wish to transfer a balance from

Something else we can help you with?