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Credit cards
Find the best credit card for you
Our credit card benefits
A global MasterCard
Our credit cards are MasterCard – so you can use them worldwide, in shops and online.
Stay safe
We protect your card with the latest tech. Plus, your account is covered by our Fraud Promise.
Forgot your PIN?
No worries – see it quickly and safely via our ‘See PIN’ feature in our app.
Just so you know... To get our app, you need to be age 11 or over, have a UK mobile number (or international mobile number in some countries) and use a compatible iOS or Android device.
Check your eligibility
1. Choose a credit card
Looking for a credit card? We have a wide range of cards available, each with its own features and benefits. Choose the card that best suits you.
2. Check your eligibility
We'll check your eligibility at the start and ask a few questions about you so we can let you know if you'll be approved for a credit card.
3. Complete application
We'll show you your personalised credit limit and interest rate, then you can decide if you wish to go ahead with your application.
Don't worry - there is no impact on your credit score until you decide you want to go ahead with your application.
Showing 6 of our 6 credit cards
Purchase & Balance Transfer card
Good for - time to pay off purchases and balances
- 0% on purchases for 17 months from account opening. Then standard rates apply.
- 0% on balance transfers for 17 months from account opening if balance is transferred within the first 3 months. Then standard rates apply.
- 2.99% balance transfer fee (a fee to move your balance from another card).
To apply, you must be a UK resident, aged 18+ and earn £10k+ each year. Your balance transfer must be at least £100. You can only transfer a balance up to 95% of your available credit limit. 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 23 months from account opening if balance is transferred in 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).
To apply, you must be a UK resident, aged 18+ and earn £10k+ each year. Your balance transfer must be at least £100. You can only transfer a balance up to 95% of your available credit limit. 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 14 months from account opening if balance is transferred in the first 3 months. Then standard rates apply.
- 0% on purchases for 3 months after account opened. Then standard rates apply.
- No balance transfer fee (no fee to move your balance from another card).
To apply, you must be a UK resident, aged 18+ and earn £10k+ each year. Your balance transfer must be at least £100. You can only transfer a balance up to 95% of your available credit limit. 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.
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 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
Your actual credit limit and APR may vary depending on our credit assessment of you.
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.
Showing 3 of our 6 credit cards
Purchase & Balance Transfer card
Good for - time to pay off purchases and balances
- 0% on purchases for 17 months from account opening. Then standard rates apply.
- 0% on balance transfers for 17 months from account opening if balance is transferred within the first 3 months. Then standard rates apply.
- 2.99% balance transfer fee (a fee to move your balance from another card).
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 23 months from account opening if balance is transferred in 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).
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 14 months from account opening if balance is transferred in the first 3 months. Then standard rates apply.
- 0% on purchases for 3 months after account opened. Then standard rates apply.
- No balance transfer fee (no fee to move your balance from another card).
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.
Showing 2 of our 6 credit cards
The NatWest Credit Card
Good for - low rates and spending 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+ and earning at least £10K per 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
- 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+ and earning at least £15K per 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.
Showing 2 of 6 our credit cards
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+ and earning at least £10K per year
Representative example
Your actual credit limit and APR may vary depending on our credit assessment of you.
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.
Showing 1 of our 6 credit cards
The NatWest Credit Card
Good for - low rates on spending
- 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+ and earning at least £10K per 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.
How to get extra help with your banking?
Are you an existing customer who needs a little more help? Maybe you’ve got a disability, English is your second language, or you’ve recently lost someone.
We’re here for you. Just let us know once, so we can update our systems and offer you the support you need.
You can tell us online, call us, or visit a branch. To share your details with us, go to Banking My Way.
It's quick and easy to apply for a credit card
Read our handy guide for top tips on how to apply for a credit card.
Credit card FAQs
How does a credit card work?
A credit card is a way for you to borrow money. You can use it to buy things up to an agreed limit, then pay later – either in one go, or bit by bit. So, what is a balance transfer, or credit scoring? Do you always pay interest on a credit card? What’s the protection you get if you buy something with your NatWest credit card? And is it a good idea to get one in the first place? Our guide answers all these questions – and more.
Where can I use my credit card?
You can use our contactless NatWest credit card to buy things online and in store. It’s easy – just tap to pay. You can also use your card to take money out of cash machines, but you’ll often be charged a fee to do so.
Did you know our credit cards are Mastercard™? This means you can use them all over the world – wherever you see the Mastercard sign.
When you return home, you’ll get a credit card statement showing what you bought and how much cash you took out. You’ll see the cost in local currency – and then the cost exchanged into pounds.
Just so you know, some of our credit cards charge a small percentage to cover the foreign exchange fee.
How does credit card APR work?
APR stands for ‘Annual Percentage Rate’.
It’s an easy way for you to compare the cost of credit cards.
That’s because it gives you the full cost of borrowing, including:
• The yearly cost of borrowing (the interest you’d pay).
• Plus, any extra charges (like an annual fee).
Which credit card is best for me?
Is a 0% interest card best for you? Or a rewards card? What about a card that doesn’t charge you a foreign transaction fee when you’re abroad?
Our credit card guide describes how credit cards work and what types we offer, so you can decide what suits you best.
Do I need ID when applying?
When you apply, we often ask for ID to make sure we’re opening the account for the right person. The good news is that our security partner HooYu offers a safe, quick way to check your ID, so you could get your credit card faster.
This is thanks to their use of cutting-edge tech, including digital footprints, ID document authentication and facial biometrics.
HooYu could ask you for:
• Photo ID – like a driver’s licence, passport, or EU ID card.
• A short video or selfie – to compare with your photo ID.
• Proof of address – something like a driver’s licence, utility bill, bank statements or tax document might also be required.
Other ways we can help
Manage your existing credit card
Find out how you see 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 was 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 get back on track.