Pick from our different types of credit cards
Check your eligibility
Pick a card below to see if you'll be accepted, with no impact on your credit score. We'll check your eligibility at the start of your application - it's then up to you if you want to continue to apply.
Whether you'd like to do a balance transfer, make a big purchase, travel abroad or earn Rewards on spending, our range of Mastercard® credit cards could suit your lifestyle.
Showing 6 credit cards
Purchase & Balance Transfer card
- 0% for 23 months from account opening on purchases, after which standard rates apply
- 0% for 23 months from account opening on balance transfers made within the first 3 months, after which standard rates apply
- 2.99% balance transfer fee
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.
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.
Longer Balance Transfer card
- 0% for 30 months from account opening on balance transfers made within the first 3 months, after which standard rates apply
- 0% on purchases for 3 months from account opening, there after standard rates apply
- 2.99% balance transfer fee
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.
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.
Balance Transfer credit card
- 0% for 19 months from account opening on balance transfers made within the first 3 months, after which standard rates apply
- No fee to transfer a balance to this credit card
- 0% on purchases for 3 months from account opening, thereafter standard rates apply
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.
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.
The NatWest Credit Card
- No foreign transaction fees on purchases
- Low rates on purchases and balance transfers
- No balance transfer fees
To apply, you must be a UK resident, aged 18+ and earning at least £10K per year
Your actual credit limit and APR may vary depending on our credit assessment of you.
Reward credit card
- Earn 1% back in Rewards on supermarket spend (0.25% at their petrol stations and everywhere else)
- Get between 1-15% back at selected MyRewards retailers
- Annual fee refunded if you have a Reward current account
To apply, you must be a UK resident, aged 18+ and earning at least £10K per year
Your actual credit limit and APR may vary depending on our credit assessment of you.
Reward Black credit card
- No foreign transaction fees on purchases
- 1% back in Rewards on supermarket spend (0.5% at their petrol stations and everywhere else)
- Annual fee refunded if you have a Reward Black current account
To apply, you must be a UK resident, aged 18+ and earning at least £15K per year
Your actual credit limit and APR may vary depending on our credit assessment of you.
Showing 3 cards
Purchase & Balance Transfer card
- 0% for 23 months from account opening on purchases, after which standard rates apply
- 0% for 23 months from account opening on balance transfers made within the first 3 months, after which standard rates apply
- 2.99% balance transfer fee
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.
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.
Longer Balance Transfer card
- 0% for 30 months from account opening on balance transfers made within the first 3 months, after which standard rates apply
- 0% on purchases for 3 months from account opening, there after standard rates apply
- 2.99% balance transfer fee
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.
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.
Balance Transfer credit card
- 0% for 19 months from account opening on balance transfers made within the first 3 months, after which standard rates apply
- No fee to transfer a balance to this credit card
- 0% on purchases for 3 months from account opening, thereafter standard rates apply
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.
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.
Showing 2 cards
The NatWest Credit Card
- Low rates on purchases and balance transfers
- No balance transfer fees
- No foreign transaction fees on purchases
To apply, you must be a UK resident, aged 18+ and earning at least £10K per year
Your actual credit limit and APR may vary depending on our credit assessment of you.
Reward Black credit card
- 1% back in Rewards on supermarket spend (0.5% at their petrol stations and everywhere else)
- Annual fee refunded if you have a Reward Black current account
- No foreign transaction fees on purchases
To apply, you must be a UK resident, aged 18+ and earning at least £15K per year
Your actual credit limit and APR may vary depending on our credit assessment of you.
Showing 2 cards
Reward credit card
- Earn 1% back in Rewards on supermarket spend (0.25% at their petrol stations and everywhere else)
- Get between 1-15% back at selected MyRewards retailers
- Annual fee refunded if you have a Reward current account
To apply, you must be a UK resident, aged 18+ and earning at least £10K per year
Your actual credit limit and APR may vary depending on our credit assessment of you.
Reward Black credit card
- 1% back in Rewards on supermarket spend (0.5% at their petrol stations and everywhere else)
- Annual fee refunded if you have a Reward Black current account
- No foreign transaction fees on purchases
To apply, you must be a UK resident, aged 18+ and earning at least £15K per year
Your actual credit limit and APR may vary depending on our credit assessment of you.
Showing 1 card
The NatWest Credit Card
- Low rates on purchases and balance transfers
- No balance transfer fees
- No foreign transaction fees on purchases
To apply, you must be a UK resident, aged 18+ and earning at least £10K per year
Your actual credit limit and APR may vary depending on our credit assessment of you.
How to apply for a credit card
Want to be prepared before starting your credit card application? With our 5 step guide on how to apply for a credit card, we'll help you out with some hints and tips.
See what other people are asking
How does a credit card work?
Put simply, a credit card is a way of borrowing money that lets you purchase things up to an agreed limit and pay for them later, either in one go or by instalments.
For more support on the basics - from balance transfers to credit scoring - why not try our handy guide? We'll even run you through the different types of credit cards too.
Where can I use my credit card?
Credit cards are commonly used to make purchases in shops or online. You can use them at ATMs too but this type of transaction often incurs a fee.
Our credit cards are Mastercard®, which means they’re accepted all over the world and they’re contactless too - it’s a super quick and no-fuss way to pay for items of £100 or less.
If you need to use your credit card abroad, just look for the Visa and Mastercard logos in retailers or on cash machines, then use your card as normal. When you get back home you'll see the purchases and withdrawals you made abroad shown in the local currency, then exchanged into pounds sterling on your statement. Please note that some credit cards add a small percentage to cover the foreign exchange fee.
How does credit card APR work?
APR stands for Annual Percentage Rate.
With credit cards, there can sometimes be upfront costs such as an annual fee for the card. So, APR is a way that lenders show the interest and additional charges you will pay on what you're borrowing. APR can also be referred to as the 'full cost of borrowing'.
Which credit card is best for me?
There are a number of different types of credit cards on the market, which can be overwhelming. From travel benefit credit cards, to balance transfer credit cards, in our handy guide we’ll show you the ropes.
Do I need to provide ID when applying?
If you're a new customer, we have to confirm your identity to make sure we’re opening the account for the right person. We do this through our trusted online identification and security partner HooYu.
HooYu can quickly and safely verify people from all over the world using digital footprints, ID document authentication and facial biometrics. It’s not only safer, it also speeds up the application process meaning your account is opened faster.
This way, we can check you are you, while keeping your details completely safe and secure.
Want to be prepared before starting your credit card application? With our 5 step guide on how to apply for a credit card, we’ll help you out with some hints and tips.