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Credit cards
Find the best credit card for you
Global
Our credit cards are MasterCard or Visa – so you can use them worldwide, in shops and online.
Safe
We protect your card with the latest tech. Plus, your account is covered by our Fraud Promise.
Easy
Join 9 million customers - and effortlessly manage your card with our mobile 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.
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.
What do you want your credit card for?
0% offer all-round
Purchase & Balance Transfer card
Want interest-free purchases and balance transfers?
- 0% on purchases for up to 23 months from account opening.
- 0% on balance transfers for up to 23 months from account opening. Just transfer your balance in the first 3 months.
- 3.49% balance transfer fee to move debt from another card.
Information Message
After your 0% offers end, you'll pay our standard rates. The length of your 0% offers depend on our credit assessment of you. To apply, you must be a UK resident, aged 18+ and earn £10k+ each year. Your balance transfer must be at least £100. Balance transfer limits and exclusions apply.
Representative Example
24.9% p.a. (variable)
24.9% (variable)
£1200
£0
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.
0% offer all-round
Purchase & Balance Transfer card
Want interest-free purchases and balance transfers?
- 0% on purchases for up to 23 months from account opening.
- 0% on balance transfers for up to 23 months from account opening. Just transfer your balance in the first 3 months.
- 3.49% balance transfer fee to move debt from another card.
Information Message
After your 0% offers end, you'll pay our standard rates. The length of your 0% offers depend on our credit assessment of you. To apply, you must be a UK resident, aged 18+ and earn £10k+ each year. Your balance transfer must be at least £100. Balance transfer limits and exclusions apply.
Representative Example
24.9% p.a. (variable)
24.9% (variable)
£1200
£0
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.
Longest 0% balance transfer offer
Longer Balance Transfer card
Want more interest-free time to pay off balance?
- 0% on balance transfers for up to 35 months from account opening. Just transfer your balance in the first 3 months.
- 0% on purchases for 3 months from account opening.
- 3.49% balance transfer fee to move debt from another card.
Information Message
After your 0% offers end, you'll pay our standard rates. The length of your 0% offers depend on our credit assessment of you. To apply, you must be a UK resident, aged 18+ and earn £10k+ each year. Your balance transfer must be at least £100. Balance transfer limits and exclusions apply.
Representative Example
24.9% p.a (variable)
24.9% (variable)
£1200
£0
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.
Longest 0% balance transfer offer
Longer Balance Transfer card
Want more interest-free time to pay off balance?
- 0% on balance transfers for up to 35 months from account opening. Just transfer your balance in the first 3 months.
- 0% on purchases for 3 months from account opening.
- 3.49% balance transfer fee to move debt from another card.
Information Message
After your 0% offers end, you'll pay our standard rates. The length of your 0% offers depend on our credit assessment of you. To apply, you must be a UK resident, aged 18+ and earn £10k+ each year. Your balance transfer must be at least £100. Balance transfer limits and exclusions apply.
Representative Example
24.9% p.a (variable)
24.9% (variable)
£1200
£0
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.
Zero fee to transfer a balance
Balance Transfer credit card
Want more interest-free without the balance-transfer fee?
- 0% on balance transfers for up to 12 months from account opening. Just transfer your balance in the first 3 months.
- 0% on purchases for 3 months from account opening.
- No balance transfer fee to move debt from another card.
Information Message
After your 0% offers end, you'll pay our standard rates. The length of your 0% offers depend on our credit assessment of you. To apply, you must be a UK resident, aged 18+ and earn £10k+ each year. Your balance transfer must be at least £100. Balance transfer limits and exclusions apply.
Representative Example
24.9% p.a. (variable)
24.9% (variable)
£1200
£0
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.
Zero fee to transfer a balance
Balance Transfer credit card
Want more interest-free without the balance-transfer fee?
- 0% on balance transfers for up to 12 months from account opening. Just transfer your balance in the first 3 months.
- 0% on purchases for 3 months from account opening.
- No balance transfer fee to move debt from another card.
Information Message
After your 0% offers end, you'll pay our standard rates. The length of your 0% offers depend on our credit assessment of you. To apply, you must be a UK resident, aged 18+ and earn £10k+ each year. Your balance transfer must be at least £100. Balance transfer limits and exclusions apply.
Representative Example
24.9% p.a. (variable)
24.9% (variable)
£1200
£0
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.
Rewards on travel spending
Travel Reward credit card
Want travel Rewards and zero foreign transaction fees?
- Enjoy 1% back in Rewards on eligible travel spending.
- Get 1%-15% back in Rewards from chosen 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 money advance. You may also pay local fees.)
Information Message
To apply, you must be a UK resident, aged 18+ and earn £10k+ each year.
Representative Example
27.9% p.a. (variable)
27.9% (variable)
£1200
£0
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.
Rewards on travel spending
Travel Reward credit card
Want travel Rewards and zero foreign transaction fees?
- Enjoy 1% back in Rewards on eligible travel spending.
- Get 1%-15% back in Rewards from chosen 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 money advance. You may also pay local fees.)
Information Message
To apply, you must be a UK resident, aged 18+ and earn £10k+ each year.
Representative Example
27.9% p.a. (variable)
27.9% (variable)
£1200
£0
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.
Low rates AND saving abroad
The NatWest Credit Card
Want low interest rates and to save money abroad?
- No foreign transaction fee on purchases abroad. (You'll still pay fees if you take money out of cash machines abroad or get a money advance. You may also pay local fees.)
- Low interest rates on purchases and balance transfers.
- No balance transfer fee to move debt from another card.
- No annual (yearly) fee to have this card.
Information Message
To apply, you must be a UK resident, aged 18+ and earn £10k+ each year.
Representative Example
12.9% p.a. (variable)
12.9% (variable)
£1200
£0
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.
Low rates AND saving abroad
The NatWest Credit Card
Want low interest rates and to save money abroad?
- No foreign transaction fee on purchases abroad. (You'll still pay fees if you take money out of cash machines abroad or get a money advance. You may also pay local fees.)
- Low interest rates on purchases and balance transfers.
- No balance transfer fee to move debt from another card.
- No annual (yearly) fee to have this card.
Information Message
To apply, you must be a UK resident, aged 18+ and earn £10k+ each year.
Representative Example
12.9% p.a. (variable)
12.9% (variable)
£1200
£0
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.
Rewards every time you spend
Reward credit card
Want Rewards on your everyday spending?
- Earn 1% back in Rewards on supermarket spending (0.25% at supermarket petrol stations and everywhere else).
- Get 1-15% back in Rewards from chosen partner retailers.
- Annual fee refunded if you have a Reward current account.
Information Message
To apply, you must be a UK resident, aged 18+ and earn £10k+ each year.
Representative Example
25.9% p.a. (variable)
31.0% (variable)
£1200
£24
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.
Rewards every time you spend
Reward credit card
Want Rewards on your everyday spending?
- Earn 1% back in Rewards on supermarket spending (0.25% at supermarket petrol stations and everywhere else).
- Get 1-15% back in Rewards from chosen partner retailers.
- Annual fee refunded if you have a Reward current account.
Information Message
To apply, you must be a UK resident, aged 18+ and earn £10k+ each year.
Representative Example
25.9% p.a. (variable)
31.0% (variable)
£1200
£24
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.
Great for Rewards AND travel
Reward Black credit card
Want Rewards and zero foreign transaction fees?
- No foreign transaction fee (fee on purchases abroad). You'll still pay fees if you take money out of cash machines abroad or get a money advance. You may also pay local fees.)
- Earn 1% back in Rewards on supermarket spending (0.5% at supermarket petrol stations and everywhere else).
- Get 1-15% back in Rewards from chosen partner retailers.
- Got a Reward Black current account? We'll refund your annual fee.
Information Message
To apply, you must be a UK resident, aged 18+ and earn £15k+ per year.
Representative Example
21.9% p.a. (variable)
40.7% (variable)
£1200
£84
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.
Great for Rewards AND travel
Reward Black credit card
Want Rewards and zero foreign transaction fees?
- No foreign transaction fee (fee on purchases abroad). You'll still pay fees if you take money out of cash machines abroad or get a money advance. You may also pay local fees.)
- Earn 1% back in Rewards on supermarket spending (0.5% at supermarket petrol stations and everywhere else).
- Get 1-15% back in Rewards from chosen partner retailers.
- Got a Reward Black current account? We'll refund your annual fee.
Information Message
To apply, you must be a UK resident, aged 18+ and earn £15k+ per year.
Representative Example
21.9% p.a. (variable)
40.7% (variable)
£1200
£84
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.
Could boost your credit score
NatWest Credit Builder Card
Want to boost your credit score to make borrowing easier?
- Build your credit score: New to borrowing? 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.
- All credit cards could improve your credit score. Already got a good credit score? Our other credit cards could be cheaper.
Information Message
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 and have had a current account for 3+ months. Must be UK resident, 18+ and earn £8.5k+ a year.
Representative Example
34.9% p.a. (variable)
34.9% (variable)
£1200
£0
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.
Could boost your credit score
NatWest Credit Builder Card
Want to boost your credit score to make borrowing easier?
- Build your credit score: New to borrowing? 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.
- All credit cards could improve your credit score. Already got a good credit score? Our other credit cards could be cheaper.
Information Message
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 and have had a current account for 3+ months. Must be UK resident, 18+ and earn £8.5k+ a year.
Representative Example
34.9% p.a. (variable)
34.9% (variable)
£1200
£0
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.
0% offer all-round
Purchase & Balance Transfer card
Want interest-free purchases and balance transfers?
- 0% on purchases for up to 23 months from account opening.
- 0% on balance transfers for up to 23 months from account opening. Just transfer your balance in the first 3 months.
- 3.49% balance transfer fee to move debt from another card.
Information Message
After your 0% offers end, you'll pay our standard rates. The length of your 0% offers depend on our credit assessment of you. To apply, you must be a UK resident, aged 18+ and earn £10k+ each year. Your balance transfer must be at least £100. Balance transfer limits and exclusions apply.
Representative Example
24.9% p.a. (variable)
24.9% (variable)
£1200
£0
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.
0% offer all-round
Purchase & Balance Transfer card
Want interest-free purchases and balance transfers?
- 0% on purchases for up to 23 months from account opening.
- 0% on balance transfers for up to 23 months from account opening. Just transfer your balance in the first 3 months.
- 3.49% balance transfer fee to move debt from another card.
Information Message
After your 0% offers end, you'll pay our standard rates. The length of your 0% offers depend on our credit assessment of you. To apply, you must be a UK resident, aged 18+ and earn £10k+ each year. Your balance transfer must be at least £100. Balance transfer limits and exclusions apply.
Representative Example
24.9% p.a. (variable)
24.9% (variable)
£1200
£0
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.
Longest 0% balance transfer offer
Longer Balance Transfer card
Want more interest-free time to pay off balance?
- 0% on balance transfers for up to 35 months from account opening. Just transfer your balance in the first 3 months.
- 0% on purchases for 3 months from account opening.
- 3.49% balance transfer fee to move debt from another card.
Information Message
After your 0% offers end, you'll pay our standard rates. The length of your 0% offers depend on our credit assessment of you. To apply, you must be a UK resident, aged 18+ and earn £10k+ each year. Your balance transfer must be at least £100. Balance transfer limits and exclusions apply.
Representative Example
24.9% p.a (variable)
24.9% (variable)
£1200
£0
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.
Longest 0% balance transfer offer
Longer Balance Transfer card
Want more interest-free time to pay off balance?
- 0% on balance transfers for up to 35 months from account opening. Just transfer your balance in the first 3 months.
- 0% on purchases for 3 months from account opening.
- 3.49% balance transfer fee to move debt from another card.
Information Message
After your 0% offers end, you'll pay our standard rates. The length of your 0% offers depend on our credit assessment of you. To apply, you must be a UK resident, aged 18+ and earn £10k+ each year. Your balance transfer must be at least £100. Balance transfer limits and exclusions apply.
Representative Example
24.9% p.a (variable)
24.9% (variable)
£1200
£0
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.
Zero fee to transfer a balance
Balance Transfer credit card
Want more interest-free without the balance-transfer fee?
- 0% on balance transfers for up to 12 months from account opening. Just transfer your balance in the first 3 months.
- 0% on purchases for 3 months from account opening.
- No balance transfer fee to move debt from another card.
Information Message
After your 0% offers end, you'll pay our standard rates. The length of your 0% offers depend on our credit assessment of you. To apply, you must be a UK resident, aged 18+ and earn £10k+ each year. Your balance transfer must be at least £100. Balance transfer limits and exclusions apply.
Representative Example
24.9% p.a. (variable)
24.9% (variable)
£1200
£0
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.
Zero fee to transfer a balance
Balance Transfer credit card
Want more interest-free without the balance-transfer fee?
- 0% on balance transfers for up to 12 months from account opening. Just transfer your balance in the first 3 months.
- 0% on purchases for 3 months from account opening.
- No balance transfer fee to move debt from another card.
Information Message
After your 0% offers end, you'll pay our standard rates. The length of your 0% offers depend on our credit assessment of you. To apply, you must be a UK resident, aged 18+ and earn £10k+ each year. Your balance transfer must be at least £100. Balance transfer limits and exclusions apply.
Representative Example
24.9% p.a. (variable)
24.9% (variable)
£1200
£0
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.
Rewards on travel spending
Travel Reward credit card
Want travel Rewards and zero foreign transaction fees?
- Enjoy 1% back in Rewards on eligible travel spending.
- Get 1%-15% back in Rewards from chosen 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 money advance. You may also pay local fees.)
Information Message
To apply, you must be a UK resident, aged 18+ and earning at least £10k per year
Representative Example
27.9% p.a. (variable)
27.9% (variable)
£1200
£0
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.
Rewards on travel spending
Travel Reward credit card
Want travel Rewards and zero foreign transaction fees?
- Enjoy 1% back in Rewards on eligible travel spending.
- Get 1%-15% back in Rewards from chosen 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 money advance. You may also pay local fees.)
Information Message
To apply, you must be a UK resident, aged 18+ and earning at least £10k per year
Representative Example
27.9% p.a. (variable)
27.9% (variable)
£1200
£0
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.
Low rates AND saving abroad
The NatWest Credit Card
Want low interest rates and to save money abroad?
- No foreign transaction fee on purchases abroad. (You'll still pay fees if you take money out of cash machines abroad or get a money advance. You may also pay local fees.)
- Low interest rates on purchases and balance transfers.
- No balance transfer fee to move debt from another card.
- No annual (yearly) fee to have this card.
Information Message
To apply, you must be a UK resident. Aged 18+. Earn £10k+ each year.
Representative Example
12.9% p.a. (variable)
12.9% (variable)
£1200
£0
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.
Low rates AND saving abroad
The NatWest Credit Card
Want low interest rates and to save money abroad?
- No foreign transaction fee on purchases abroad. (You'll still pay fees if you take money out of cash machines abroad or get a money advance. You may also pay local fees.)
- Low interest rates on purchases and balance transfers.
- No balance transfer fee to move debt from another card.
- No annual (yearly) fee to have this card.
Information Message
To apply, you must be a UK resident. Aged 18+. Earn £10k+ each year.
Representative Example
12.9% p.a. (variable)
12.9% (variable)
£1200
£0
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.
Great for Rewards AND travel
Reward Black credit card
Want Rewards and zero foreign transaction fees?
- No foreign transaction fee (fee on purchases abroad). You'll still pay fees if you take money out of cash machines abroad or get a money advance. You may also pay local fees.)
- Earn 1% back in Rewards on supermarket spending (0.5% at supermarket petrol stations and everywhere else).
- Get 1-15% back in Rewards from chosen partner retailers.
- Got a Reward Black current account? We'll refund your annual fee.
Information Message
To apply, you must be a UK resident, aged 18+ and earning at least £15k per year
Representative Example
21.9% p.a. (variable)
40.7% (variable)
£1200
£84
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.
Great for Rewards AND travel
Reward Black credit card
Want Rewards and zero foreign transaction fees?
- No foreign transaction fee (fee on purchases abroad). You'll still pay fees if you take money out of cash machines abroad or get a money advance. You may also pay local fees.)
- Earn 1% back in Rewards on supermarket spending (0.5% at supermarket petrol stations and everywhere else).
- Get 1-15% back in Rewards from chosen partner retailers.
- Got a Reward Black current account? We'll refund your annual fee.
Information Message
To apply, you must be a UK resident, aged 18+ and earning at least £15k per year
Representative Example
21.9% p.a. (variable)
40.7% (variable)
£1200
£84
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.
Rewards every time you spend
Reward credit card
Want Rewards on your everyday spending?
- Earn 1% back in Rewards on supermarket spending (0.25% at supermarket petrol stations and everywhere else).
- Get 1-15% back in Rewards from chosen partner retailers.
- Annual fee refunded if you have a Reward current account.
Information Message
To apply, you must be a UK resident, aged 18+ and earning at least £10k per year.
Representative Example
25.9% p.a. (variable)
31.0% (variable)
£1200
£24
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.
Rewards every time you spend
Reward credit card
Want Rewards on your everyday spending?
- Earn 1% back in Rewards on supermarket spending (0.25% at supermarket petrol stations and everywhere else).
- Get 1-15% back in Rewards from chosen partner retailers.
- Annual fee refunded if you have a Reward current account.
Information Message
To apply, you must be a UK resident, aged 18+ and earning at least £10k per year.
Representative Example
25.9% p.a. (variable)
31.0% (variable)
£1200
£24
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.
Great for Rewards AND travel
Reward Black credit card
Want Rewards and zero foreign transaction fees?
- No foreign transaction fee (fee on purchases abroad). You'll still pay fees if you take money out of cash machines abroad or get a money advance. You may also pay local fees.)
- Earn 1% back in Rewards on supermarket spending (0.5% at supermarket petrol stations and everywhere else).
- Get 1-15% back in Rewards from chosen partner retailers.
- Got a Reward Black current account? We'll refund your annual fee.
Information Message
To apply, you must be a UK resident, aged 18+ and earning at least £15k per year.
Representative Example
21.9% p.a. (variable)
40.7% (variable)
£1200
£84
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.
Great for Rewards AND travel
Reward Black credit card
Want Rewards and zero foreign transaction fees?
- No foreign transaction fee (fee on purchases abroad). You'll still pay fees if you take money out of cash machines abroad or get a money advance. You may also pay local fees.)
- Earn 1% back in Rewards on supermarket spending (0.5% at supermarket petrol stations and everywhere else).
- Get 1-15% back in Rewards from chosen partner retailers.
- Got a Reward Black current account? We'll refund your annual fee.
Information Message
To apply, you must be a UK resident, aged 18+ and earning at least £15k per year.
Representative Example
21.9% p.a. (variable)
40.7% (variable)
£1200
£84
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.
Rewards on travel spending
Travel Reward credit card
Want travel Rewards and zero foreign transaction fees?
- Enjoy 1% back in Rewards on eligible travel spending.
- Get 1%-15% back in Rewards from chosen 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 money advance. You may also pay local fees.)
Information Message
To apply, you must be a UK resident, aged 18+ and earning at least £10k per year
Representative Example
27.9% p.a. (variable)
27.9% (variable)
£1200
£0
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.
Rewards on travel spending
Travel Reward credit card
Want travel Rewards and zero foreign transaction fees?
- Enjoy 1% back in Rewards on eligible travel spending.
- Get 1%-15% back in Rewards from chosen 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 money advance. You may also pay local fees.)
Information Message
To apply, you must be a UK resident, aged 18+ and earning at least £10k per year
Representative Example
27.9% p.a. (variable)
27.9% (variable)
£1200
£0
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.
Low rates AND saving abroad
The NatWest Credit Card
Want low interest rates and to save money abroad?
- No foreign transaction fee on purchases abroad. (You'll still pay fees if you take money out of cash machines abroad or get a money advance. You may also pay local fees.)
- Low interest rates on purchases and balance transfers.
- No balance transfer fee to move debt from another card.
- No annual (yearly) fee to have this card.
Information Message
To apply, you must be a UK resident, aged 18+ and earning at least £10k per year.
Representative Example
12.9% p.a. (variable)
12.9% (variable)
£1200
£0
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.
Low rates AND saving abroad
The NatWest Credit Card
Want low interest rates and to save money abroad?
- No foreign transaction fee on purchases abroad. (You'll still pay fees if you take money out of cash machines abroad or get a money advance. You may also pay local fees.)
- Low interest rates on purchases and balance transfers.
- No balance transfer fee to move debt from another card.
- No annual (yearly) fee to have this card.
Information Message
To apply, you must be a UK resident, aged 18+ and earning at least £10k per year.
Representative Example
12.9% p.a. (variable)
12.9% (variable)
£1200
£0
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.
Could boost your credit score
NatWest Credit Builder Card
Good for - helping to boost your credit score
- Build your credit score: New to borrowing? 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.
- All credit cards could improve your credit score. Already got a good credit score? Our other credit cards could be cheaper.
Information Message
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 £8.5k+ a year.
Representative Example
34.9% p.a. (variable)
34.9% (variable)
£1200
£0
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.
Could boost your credit score
NatWest Credit Builder Card
Good for - helping to boost your credit score
- Build your credit score: New to borrowing? 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.
- All credit cards could improve your credit score. Already got a good credit score? Our other credit cards could be cheaper.
Information Message
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 £8.5k+ a year.
Representative Example
34.9% p.a. (variable)
34.9% (variable)
£1200
£0
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.
Could boost your credit score
NatWest Credit Builder Card
Good for - helping to boost your credit score
- Build your credit score: New to borrowing? 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.
All credit cards could improve your credit score.
Already got a good credit score? Our other credit cards could be cheaper.
Information Message
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 £8.5k+ a year.
Representative Example
34.9% p.a. (variable)
34.9% p.a. (variable)
£1200
£0
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.
Could boost your credit score
NatWest Credit Builder Card
Good for - helping to boost your credit score
- Build your credit score: New to borrowing? 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.
All credit cards could improve your credit score.
Already got a good credit score? Our other credit cards could be cheaper.
Information Message
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 £8.5k+ a year.
Representative Example
34.9% p.a. (variable)
34.9% p.a. (variable)
£1200
£0
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.
Read our credit card FAQs
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.
Other ways we could 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 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.