Our credit cards are safe and secure and can be used all over the world. Find the right one for you.
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Choose a credit card that's right for you
Traveling abroad
Ski trip, safari or city break – wherever you’re headed, take your credit card with you. You can use it worldwide, in-store and online.
Secure
We keep your card protected using the latest tech. Your account is kept safe with our Fraud Promise.
Effortless
Join nine million customers already using our fast and secure banking app to manage their card.
Here to help
Access our Premier 24 team around the clock through webchat or phone. They have the expert knowledge and resources to quickly respond to any of your credit card queries, anytime, anywhere.
To get our app, you need to be aged 11+, have a UK mobile number (or international mobile number in some countries) and use a compatible iOS or Android device.
1. Choosing the right credit card
We offer a wide range of credit cards, each with varying features and benefits, so you can find the credit card that best fits your needs.
2. Check your eligibility
We won’t waste your time. We’ll check your eligibility right at the start by asking a few questions and can let you know quickly if you’ll be approved for one of our credit cards.
3. Complete your application
You’ll see your personalised credit limit and interest rate. You can then decide if you wish to go ahead with your application.
There will be no impact on your credit score if you decide you don’t want to go ahead with your application.
What do you want your credit card for?
Reward Black credit card
Good for - Rewards at home and abroad
- No foreign transaction fee (no fee on purchases abroad with this card).
- Earn 1% back in Rewards on supermarket spending (0.5% at supermarket petrol stations and everywhere else).
- Annual fee refunded if you have a Reward Black account.
To apply, you must be a UK resident, aged 18+ and earning at least £15K per year
Representative example
Your actual credit limit and APR may vary depending on our credit assessment of you.
Reward credit card
Good for - Rewards on spending
- Earn 1% back in Rewards on supermarket spending (0.25% at supermarket petrol stations and everywhere else).
- Get 1%-15% back at chosen MyRewards retailers.
- Annual fee refunded if you have a Reward current account.
To apply, you must be a UK resident. Aged 18+. Earn £10k+ each year.
Representative example
Or £0 if you have a Reward current account.
Your actual credit limit and APR may vary depending on our credit assessment of you.
Travel Reward credit card
Good for - Rewards on travel spending
- 1% back on eligible travel spending* on planes, trains, car rental, ferries, buses, hotel accommodation, travel agents, cruises, campsites and more.
- 1% to 15% at selected partner retailers.
- No foreign transaction fees on purchases abroad. (You'll still pay fees if you take money out of cash machines abroad or get a cash advance. You may also pay local fees.)
- No annual fee.
To apply, you must be a UK resident, aged 18+ and earning at least £10K per year
Representative example
Your actual credit limit and APR may vary depending on our credit assessment of you.
The NatWest Credit Card
Good for - low rates and saving money abroad
- No foreign transaction fee (no fee on purchases abroad with this card).
- Low rates on purchases or balance transfers.
- No balance transfer fee (no fee to move your balance from another card).
To apply, you must be a UK resident. Aged 18+. Earn £10k+ each year.
Representative example
Your credit limit and APR may be different from this Representative Example, as they depend on our credit assessment of you. Interest on fees and charges is payable in line with our Terms and Conditions.
Balance Transfer credit card
Good for - no fee to transfer a balance
- 0% on balance transfers for up to 12 months from account opening if balance is transferred within the first 3 months. Then standard rates apply.
- 0% on purchases for 3 months from account opening. Then standard rates apply.
- No balance transfer fee (a fee to move your balance from another card).
Your 0% interest promotional period may vary depending on our credit assessment of you.
To apply, you must be a UK resident, aged 18+ and earning at least £10K per year. Balance transfers are limited to 95% of your available credit limit. Minimum balance transfer amount is £100. You can transfer your balance from most credit cards and store cards, except other NatWest Group cards.
Representative example
Your credit limit and APR may be different from this Representative Example, as they depend on our credit assessment of you. Interest on fees and charges is payable in line with our terms and conditions.
Longer Balance Transfer card
Good for - more time to pay off balances
- 0% on balance transfers for up to 35 months from account opening if balance is transferred within the first 3 months. Then standard rates apply.
- 0% on purchases for 3 months from account opening. Then standard rates apply.
- 3.49% balance transfer fee (a fee to move your balance from another card).
Your 0% interest promotional period may vary depending on our credit assessment of you.
To apply, you must be a UK resident, aged 18+ and earning at least £10K per year. Balance transfers are limited to 95% of your available credit limit. Minimum balance transfer amount is £100. You can transfer your balance from most credit cards and store cards, except other NatWest Group cards.
Representative example
Your credit limit and APR may be different from this Representative Example, as they depend on our credit assessment of you. Interest on fees and charges is payable in line with our Terms and Conditions.
Purchase & Balance Transfer card
Good for - time to pay off purchases and balances
- 0% on purchases for up to 23 months from account opening. Then standard rates apply.
- 0% on balance transfers for up to 23 months from account opening if balance is transferred within the first 3 months. Then standard rates apply.
- 3.49% balance transfer fee (a fee to move your balance from another card).
Your 0% interest promotional period may vary depending on our credit assessment of you.
To apply, you must be a UK resident, aged 18+ and earning at least £10K per year. Balance transfers are limited to 95% of your available credit limit. Minimum balance transfer amount is £100. You can transfer your balance from most credit cards and store cards, except other NatWest Group cards.
Representative example
Your credit limit and APR may be different from this Representative Example, as they depend on our credit assessment of you. Interest on fees and charges is payable in line with our Terms and Conditions.
The NatWest Credit Builder Card
Good for - helping to boost your credit score
- Build your credit score: New to credit? Got a low credit score? This card could potentially boost your score, so it could be easier for you to borrow in future.
- Pay 3% less interest after 12 months: just use this card at least once, pay us back on time, and don't go over your credit limit.
- No annual fee: we won't charge you a fee each year to have this card.
Your credit score is based on lots of factors. So, we can't guarantee it will go up.
To apply, you must be an existing customer who has had a current account for 3+ months. Must be UK resident, 18+ and earn £7.5K+ a year.
Representative example
Your actual credit limit may vary depending on our credit assessment of you. The APR shown will be the APR that applies when this card is taken out. This rate could decrease during the lifetime of the card if certain criteria is met. For info on how we charge interest on fees and charges, read our terms and conditions, or see our summary box.
The NatWest Credit Card
Good for - low rates and saving money abroad
- No foreign transaction fee (no fee on purchases abroad with this card).
- Low rates on purchases or balance transfers.
- No balance transfer fee (no fee to move your balance from another card).
To apply, you must be a UK resident. Aged 18+. Earn £10k+ each year.
Representative example
Your credit limit and APR may be different from this Representative Example, as they depend on our credit assessment of you. Interest on fees and charges is payable in line with our Terms and Conditions.
The NatWest Credit Builder Card
Good for - helping to boost your credit score
- Build your credit score: New to credit? Got a low credit score? This card could potentially boost your score, so it could be easier for you to borrow in future.
- Pay 3% less interest after 12 months: just use this card at least once, pay us back on time, and don't go over your credit limit.
- No annual fee: we won't charge you a fee each year to have this card.
Your credit score is based on lots of factors. So, we can't guarantee it will go up.
To apply, you must be an existing customer who has had a current account for 3+ months. Must be UK resident, 18+ and earn £7.5K+ a year.
Representative example
Your actual credit limit may vary depending on our credit assessment of you. The APR shown will be the APR that applies when this card is taken out. This rate could decrease during the lifetime of the card if certain criteria is met. For info on how we charge interest on fees and charges, read our terms and conditions, or see our summary box.
Purchase & Balance Transfer card
Good for - time to pay off purchases and balances
- 0% on purchases for up to 23 months from account opening. Then standard rates apply.
- 0% on balance transfers for up to 23 months from account opening if balance is transferred within the first 3 months. Then standard rates apply.
- 3.49% balance transfer fee (a fee to move your balance from another card).
Your 0% interest promotional period may vary depending on our credit assessment of you.
To apply, you must be a UK resident, aged 18+ and earning at least £10K per year. Balance transfers are limited to 95% of your available credit limit. Minimum balance transfer amount is £100. You can transfer your balance from most credit cards and store cards, except other NatWest Group cards.
Representative example
Your credit limit and APR may be different from this Representative Example, as they depend on our credit assessment of you. Interest on fees and charges is payable in line with our Terms and Conditions.
Longer Balance Transfer card
Good for - more time to pay off balances
- 0% on balance transfers for up to 35 months from account opening if balance is transferred within the first 3 months. Then standard rates apply.
- 0% on purchases for 3 months from account opening. Then standard rates apply.
- 3.49% balance transfer fee (a fee to move your balance from another card).
Your 0% interest promotional period may vary depending on our credit assessment of you.
To apply, you must be a UK resident, aged 18+ and earning at least £10K per year. Balance transfers are limited to 95% of your available credit limit. Minimum balance transfer amount is £100. You can transfer your balance from most credit cards and store cards, except other NatWest Group cards.
Representative example
Your credit limit and APR may be different from this Representative Example, as they depend on our credit assessment of you. Interest on fees and charges is payable in line with our Terms and Conditions.
Balance Transfer credit card
Good for - no fee to transfer a balance
- 0% on balance transfers for up to 12 months from account opening if balance is transferred within the first 3 months. Then standard rates apply.
- 0% on purchases for 3 months from account opening. Then standard rates apply.
- No balance transfer fee (a fee to move your balance from another card).
Your 0% interest promotional period may vary depending on our credit assessment of you.
To apply, you must be a UK resident, aged 18+ and earning at least £10K per year. Balance transfers are limited to 95% of your available credit limit. Minimum balance transfer amount is £100. You can transfer your balance from most credit cards and store cards, except other NatWest Group cards.
Representative example
Your actual credit limit and APR may vary depending on our credit assessment of you. Interest on fees and charges is payable in line with our terms and conditions.
Purchase & Balance Transfer card
Good for - time to pay off purchases and balances
- 0% on purchases for up to 23 months from account opening. Then standard rates apply.
- 0% on balance transfers for up to 23 months from account opening if balance is transferred within the first 3 months. Then standard rates apply.
- 3.49% balance transfer fee (a fee to move your balance from another card).
Your 0% interest promotional period may vary depending on our credit assessment of you.
To apply, you must be a UK resident, aged 18+ and earning at least £10K per year. Balance transfers are limited to 95% of your available credit limit. Minimum balance transfer amount is £100. You can transfer your balance from most credit cards and store cards, except other NatWest Group cards.
Representative example
Your credit limit and APR may be different from this Representative Example, as they depend on our credit assessment of you. Interest on fees and charges is payable in line with our Terms and Conditions.
Longer Balance Transfer card
Good for - more time to pay off balances
- 0% on balance transfers for up to 35 months from account opening if balance is transferred within the first 3 months. Then standard rates apply.
- 0% on purchases for 3 months from account opening. Then standard rates apply.
- 3.49% balance transfer fee (a fee to move your balance from another card).
Your 0% interest promotional period may vary depending on our credit assessment of you.
To apply, you must be a UK resident, aged 18+ and earning at least £10K per year. Balance transfers are limited to 95% of your available credit limit. Minimum balance transfer amount is £100. You can transfer your balance from most credit cards and store cards, except other NatWest Group cards.
Representative example
Your credit limit and APR may be different from this Representative Example, as they depend on our credit assessment of you. Interest on fees and charges is payable in line with our Terms and Conditions.
Balance Transfer credit card
Good for - no fee to transfer a balance
- 0% on balance transfers for up to 12 months from account opening if balance is transferred within the first 3 months. Then standard rates apply.
- 0% on purchases for 3 months from account opening. Then standard rates apply.
- No balance transfer fee (a fee to move your balance from another card).
Your 0% interest promotional period may vary depending on our credit assessment of you.
To apply, you must be a UK resident, aged 18+ and earning at least £10K per year. Balance transfers are limited to 95% of your available credit limit. Minimum balance transfer amount is £100. You can transfer your balance from most credit cards and store cards, except other NatWest Group cards.
Representative example
Your actual credit limit and APR may vary depending on our credit assessment of you. Interest on fees and charges is payable in line with our terms and conditions.
Reward Black credit card
Good for - Rewards at home and abroad
- No foreign transaction fee (no fee on purchases abroad with this card).
- Earn 1% back in Rewards on supermarket spending (0.5% at supermarket petrol stations and everywhere else).
- Annual fee refunded if you have a Reward Black account.
To apply, you must be a UK resident, aged 18+ and earning at least £15K per year
Representative example
Your actual credit limit and APR may vary depending on our credit assessment of you.
Travel Reward credit card
Good for - Rewards on travel spending
- 1% back on eligible travel spending* on planes, trains, car rental, ferries, buses, hotel accommodation, travel agents, cruises, campsites and more.
- 1% to 15% at selected partner retailers.
- No foreign transaction fees on purchases abroad. (You'll still pay fees if you take money out of cash machines abroad or get a cash advance. You may also pay local fees.)
- No annual fee.
To apply, you must be a UK resident, aged 18+ and earning at least £10K per year
Representative example
Your actual credit limit and APR may vary depending on our credit assessment of you.
The NatWest Credit Card
Good for - low rates and saving money abroad
- No foreign transaction fee (no fee on purchases abroad with this card).
- Low rates on purchases or balance transfers.
- No balance transfer fee (no fee to move your balance from another card).
To apply, you must be a UK resident. Aged 18+. Earn £10k+ each year.
Representative example
Your credit limit and APR may be different from this Representative Example, as they depend on our credit assessment of you. Interest on fees and charges is payable in line with our Terms and Conditions.
Reward Black credit card
Good for - Rewards at home and abroad
- No foreign transaction fee (no fee on purchases abroad with this card).
- Earn 1% back in Rewards on supermarket spending (0.5% at supermarket petrol stations and everywhere else).
- Annual fee refunded if you have a Reward Black account.
To apply, you must be a UK resident, aged 18+ and earning at least £15K per year
Representative example
Your actual credit limit and APR may vary depending on our credit assessment of you.
Reward credit card
Good for - Rewards on spending
- Earn 1% back in Rewards on supermarket spending (0.25% at supermarket petrol stations and everywhere else).
- Get 1%-15% back at chosen MyRewards retailers.
- Annual fee refunded if you have a Reward current account.
To apply, you must be a UK resident. Aged 18+. Earn £10k+ each year.
Representative example
Or £0 if you have a Reward current account.
Your actual credit limit and APR may vary depending on our credit assessment of you.
Travel Reward credit card
Good for - Rewards on travel spending
- 1% back on eligible travel spending* on planes, trains, car rental, ferries, buses, hotel accommodation, travel agents, cruises, campsites and more.
- 1% to 15% at selected partner retailers.
- No foreign transaction fees on purchases abroad. (You'll still pay fees if you take money out of cash machines abroad or get a cash advance. You may also pay local fees.)
- No annual fee.
To apply, you must be a UK resident, aged 18+ and earning at least £10K per year
Representative example
Your actual credit limit and APR may vary depending on our credit assessment of you.
The NatWest Credit Builder Card
Good for - helping to boost your credit score
- Build your credit score: New to credit? Got a low credit score? This card could potentially boost your score, so it could be easier for you to borrow in future.
- Pay 3% less interest after 12 months: just use this card at least once, pay us back on time, and don't go over your credit limit.
- No annual fee: we won't charge you a fee each year to have this card.
Your credit score is based on lots of factors. So, we can't guarantee it will go up.
To apply, you must be an existing customer who has had a current account for 3+ months. Must be UK resident, 18+ and earn £7.5K+ a year.
Representative example
Your credit limit may be different from this Representative Example, as they depend on our credit assessment of you.
Our credit card FAQs
More ways we could help
Manage your existing credit card
Keep track of what you’ve spent, make payments, get a new credit card and more.
Credit card, loan or overdraft?
Credit card, loan, or overdraft? What's the best way for you to borrow? Our guide will help you decide.
Support when you need it
Worried you can't pay your NatWest credit card? We're here to help you feel supported.
Premier 24
Access to our friendly Premier 24 team anytime, anywhere. Talk with a human about your day-today banking needs, securely and safely. Voice ID is available to Telephone Banking customers aged 18+.
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