Reward credit card

The card that rewards you for everyday spending

Representative 26.8% 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

NatWest was rated 5 Stars by our  'NatWest Reward credit card' in 2021 by Moneyfacts

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

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

App available to customers aged 11+ with 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.

You're all set

As you're an Online Banking customer, we can pre-fill a lot of your application.

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

Something else we can help you with?