Reward Black credit card

A travel companion with extra Rewards packed in

Representative 40.7% APR (variable)

Available to UK residents, aged 18+ and earning at least £15K per year

No foreign transaction fees

You won't pay foreign transaction fees when you use this credit card abroad

Use worldwide at Mastercard® locations, in-store and online

Rewards when you spend

You'll get 1% back at supermarkets and 0.5% at their petrol stations

Earn 1-15% back at selected retailers

And 0.5% back everywhere else

And lots more packed in

A credit limit of at least £5000

Manage your card wherever, whenever with the NatWest mobile app (Criteria applies)

As a Reward Black customer, your calls will be prioritised. So whatever you need, we’re here to help, 24 hours a day.


Check your eligibility

We'll tell you if you'll be approved for this card and your indicative credit limit at the start of your application, with no impact on your credit score.

Representative example

Purchase rate

p.a (variable)

Representative APR


Assumed credit limit


Annual fee

or £0 if you have a Reward Black current account

Managing your credit card


How do Rewards work?

Whenever you pay using your Reward Black credit card, you’ll earn points called Rewards. Unlike some other credit card schemes, we don't cap the amount of points you can earn.

Where can I earn Rewards?

You'll earn 1% in Rewards in supermarkets and 0.5% everywhere else. You'll also be given personalised monthly spend offers from some of our partner retailers.

How can I spend my Rewards?

It's easy. Once your balance has grown to at least £5, we'll give you a choice of what do with them. You can bank them, trade them or donate them to one of our chosen charities.

About the annual fee and annual fee refund

We'll refund the annual fee for your Reward Black credit card if you also have a Reward Black current account.

Paying your credit card

There are a number of convenient ways you can make a payment to your card.

Other charges or fees

Some other important details you should be aware of.

Card Features

Spread the cost of your purchase

Need to make a big purchase and don’t want the money to come out of your current account? A credit card Instalment Plan could be a good way to spread the cost.

Ways to pay

There are plenty convenient ways to pay using the Reward Black credit card.

Add an additional cardholder

Give a loved one access to your credit card account by adding an additional cardholder.

Mobile App Features

Lock and unlock your credit card

Take control of your spending

Check your credit score

Replace your credit card

Set your travel plans

What you should know

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.

Get ready to apply

We'll check your eligibility at the start

We'll ask a couple of questions about you to get started so we can let you know if you'll be approved and the indicative credit limit and interest rate you'll receive.

Don't worry - this doesn't have an impact on your credit score until you decide you want to go ahead with your application.

Now please take a look at the important legal info

By selecting 'continue' below, you are confirming that you have been provided with, and are happy with what's in these documents. Please take some time to review, print and/or save the important information.

All okay? Let's get started

Do you already bank with us?
Have you got a NatWest current account, savings account, credit card or mortgage?
Do you have the NatWest app?
To apply for a credit card, you’ll need the NatWest app. Have you got it?

Apply on your mobile device now

Scan the QR code on your mobile device that has the NatWest app – and you can apply for your credit card right away.

You can then apply in a flash, as we’ll pre-fill some of your info.

Let's get you set up

To apply for a credit card, you’ll need to get the mobile app. The good news is that it should only take you 5 minutes.

You’ll need:

  • Your Online Banking customer number, PIN and password.
  • Your mobile phone – to get your one-time password

You're all set

Just a heads up, if you choose to continue with your application after we give you an indicative limit, our partner HooYu will then check your identity by matching you to your photo ID. If you don’t have your ID to hand you can finish this step later.

To find out more about HooYu and Photo ID, take a look at our FAQs below.

Reward Black credit card - FAQs

Something else we can help you with?