Credit cards

Our simple range makes finding the right credit card really easy

Four credit cards. Four clear benefits.

Each of our credit cards has a clear benefit, which makes it easy for you to find the right one. 

The NatWest Credit Card

Representative 9.9% APR (variable). No annual fee

Good for - low rates and saving money abroad

 

No foreign transaction fees

Low rates on purchases and balance transfers

No balance transfer fees

 

You must be 18+ and a UK resident earning at least £10K per year

Reward credit card

Representative 23.7% APR (variable). Annual fee applies

Good for - rewards on everyday spending

 

Earn 1% back in Rewards on supermarket spend and 0.5% at their petrol stations

Get between 1-15% back at selected MyRewards retailers

Earn 0.5% in Rewards everywhere else

Annual fee is refunded if you have a Reward current account

You must be 18+ and a mainland UK resident earning at least £10K per year

Reward Black credit card

Representative 37.1% APR (variable). Annual fee applies

Good for - Reward Black current account holders

 

No foreign transaction fees

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 Black current account

You must be 18+ and a mainland UK resident earning at least £15K per year

Student credit card

Representative 18.9% APR (variable). No annual fee

Good for - helping with student finances


A useful safety net for student life

Maximum credit limit of £500

Build a credit profile for future borrowing

You must be 18+, a mainland UK resident and have a NatWest Student current account

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 credit cards

Applying online is easy, safe and secure. It takes about 10 minutes and we ask some basic information about you and your finances. If you bank online with us, we'll also prefill the first stage of your application to make it quicker for you. 

To complete your application you'll need to know:

Your address(es) for the last three years

Your income and employment details

Your bank account details

Details of any cards you wish to transfer a balance from

You can manage your credit card in a way that could improve your credit score.

When you apply for borrowing, lenders will look to see how you’ve managed your borrowing in the past, and so paying your credit card on time every month and staying within your credit limit can be an effective way to help your credit score.

Our credit cards are Mastercard, which means they’re accepted all over the world. They’re also Contactless enabled, which means you can pay for purchases up to £30 at selected UK retailers without needing to enter your PIN.

If paying with your mobile phone is your thing, then we also offer Apple Pay functionality. Simple and easy.

What you should know

Apple Pay is available on selected Apple devices.

Something else we can help you with?