Reward credit card

The credit card that rewards you for shopping

Representative 23.7% APR (variable)

You shop. We reward you. Simple as that.

1% in Rewards on your supermarket spend (0.5% at their petrol stations)

Between 1-15% in Rewards at selected MyRewards retailers

Earn 0.5% everywhere else you shop

The card's annual fee is refunded if you have a Reward current account

Use our eligibility checker to see whether you'll be accepted for this credit card. It takes just 2 minutes and it won't affect your credit rating.

Representative example

Purchase rate

18.9%
p.a (variable)

Representative APR

23.7%
(variable)

Assumed credit limit

£1200

Annual fee

£24

Features and benefits

Rewards

How do Rewards work?

Whenever you pay using your Reward credit card, you’ll earn points known as Rewards. Unlike some other credit card schemes, we don't cap the amount of points you can earn.

Where to earn Rewards

You'll earn 1% in Rewards in supermarkets and 0.5% 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.

Features

Transferring a balance

Some helpful information if you're planning on transferring a balance to your new card.

Manage your card 24/7

Managing your credit card is easy with our mobile app.

Ways to pay

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

Spread the cost of your purchase

Need to buy something quite expensive and you don't want the money to come out of your current account? A credit card is a good way to spread the cost.

Costs

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.

How to apply online

What you'll need

We'll ask where you've lived for the last 3 years, as well as information about your bank account, income and outgoings.

How long will it take?

The application takes around 10 minutes and you'll know whether you've been accepted or not within 5 minutes.

When will I get my card?

If your application is successful, your card should arrive within 5-7 working days.

Check out this short video guide to find out more about applying online.

Ready to apply?

Great. Let's get started. Are you a...

Do you have NatWest online banking?

icon-quickest-route-black Created with Sketch.
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.

What you'll need

Your address details for the last 3 years

Your income, outgoings and employment details

Your bank account 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 who has a UK bank account

Earning at least £10k per year

Aware that this card has an annual fee

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.

Something else we can help you with?