Available to UK residents, aged 18+ and earning at least £15K per year
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Enjoy great Rewards at home and abroad
- Earn 1% back in Rewards on supermarket spending (0.5% at supermarket petrol stations and everywhere else).
- 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.)
- Generous credit limit of at least £5,000, subject to approval.
- Annual fee refunded if you have a Reward Black current account.
It's a good idea to pay off your credit card balance every month, or you could pay more in interest than you earn in Rewards. If you transfer a balance (move debt) onto your Reward Black credit card, we'll charge you interest on it. Not sure this card is for you? See all our credit cards.
Representative Example
Representative APR (variable):
40.7% (variable)
Assumed credit limit:
£1,200
Purchase rate:
21.9% p.a. (variable)
Annual fee:
£84 (Or £0 if you have a Reward Black current account.)
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. For more details, see the Summary Box.
Enjoy great Rewards at home and abroad
- Earn 1% back in Rewards on supermarket spending (0.5% at supermarket petrol stations and everywhere else).
- 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.)
- Generous credit limit of at least £5,000, subject to approval.
- Annual fee refunded if you have a Reward Black current account.
It's a good idea to pay off your credit card balance every month, or you could pay more in interest than you earn in Rewards. If you transfer a balance (move debt) onto your Reward Black credit card, we'll charge you interest on it. Not sure this card is for you? See all our credit cards.
Representative Example
Representative APR (variable):
40.7% (variable)
Assumed credit limit:
£1,200
Purchase rate:
21.9% p.a. (variable)
Annual fee:
£84 (Or £0 if you have a Reward Black current account.)
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. For more details, see the Summary Box.
Check your eligibility. (Won't harm your credit score.)
Find out if we'll say 'yes' before you apply
It takes less than 10 minutes and won't affect your credit score.
Get a free credit score, and more
Get a free credit score in our app
Plus tips to improve your credit score
Pay with Apple Pay or Google Pay™
It's easy, safe and quick
Use our quick and simple app
See your PIN, replace a card, and more
Manage your card in the app
Plus, get spending alerts
Priority calls 24/7, plus more
Got a question? You're our priority.
If you are a Premier Banking customer, you'll have a Premier 24 number. And we'll fast-track your calls 24/7.
Plus, join the millions who use our app
So it's easy for you to track spending, get a PIN reminder, freeze your card and more. (Criteria applies.)
Want more info about how you spend and earn Rewards?
Go to MyRewards hub
Ready to apply? Okay, let's start by checking your eligibility...
Please take your time to read this page and decide if this card is right for you. Unsure? Try our borrowing options tool.
We'll start by checking your eligibility – this won't hurt your credit score
At the start of your application, we'll say if you could get this card and what it could cost you. It’s then up to you if you want to go ahead.
To apply for a credit card, you must:
- Be 18+, live in the UK and earn 15k+ each year.
- Not have been bankrupt in the last 6 years. (Got a joint account? They must not have been bankrupt in the last 6 years either.)
All good? Here's a bit more info: