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Reward credit card

The card that rewards you for everyday spending

Representative 26.8% APR (variable)

Rewards when you shop

You'll get 1% back at supermarkets

Earn 1-15% back at selected retailers

And 0.25% back everywhere else, including supermarket petrol stations

And more little extras

Annual fee applies - but we'll refund it if you have a Reward current account

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

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

NatWest was rated 5 Stars by our  'NatWest Reward credit card' in 2021 by Moneyfacts

No fees, no fuss

This summer, to help you get a well-deserved break, we won’t charge you any foreign transaction fees (also known as non-sterling transaction fees) when you spend abroad with a NatWest credit card. No need to do anything, just pack your NatWest card and you’re good to go. Valid from 24th June at 00.00 (local time) to 2nd September 23.59 (local time). Terms Apply.  

Take a look at our Spending abroad page for our top tips and FAQs

 

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

21.9%
p.a (variable)

Representative APR

26.8%
(variable)

Assumed credit limit

£1200

Annual fee

£24
or £0 if you have a Reward current account

Managing your credit card

Rewards

How do credit cards with points work?

You earn points whenever you use your Reward credit card and these points are known as Rewards. Some other credit card schemes put a cap on the Rewards you can earn – we don’t.

Where to earn Rewards

You'll earn 1% in Rewards in supermarkets and 0.25% everywhere else. You'll also be given personalised monthly spend offers from some of our partner retailers.

How to use your 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 credit card if you also have a Reward 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

Instalment Plans

Got a big purchase in mind but don’t want all 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 credit card.

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 have NatWest Online Banking?
You'll need to have Online Banking to apply online with us. If you don't, we'll help you sign up easily in just 5 minutes. You could save time by applying through our mobile app if you're already set up.

You're all set

Just a heads up - here's what you'll need to apply:

  • Your Online Banking login details
  • Your address details for the last 3 years
  • Your income, outgoings and employment details
  • A note of any cards you wish to transfer a balance from

Let's get you set up

You'll need to sign up for Online Banking with us to apply for the Reward credit card online. The good news is that it normally takes only 5 minutes. If you need a hand, follow our step-by-step guide below.

What you'll need

  • Your sort code and account number
  • Your NatWest debit card, if you have one

When you've got your new online banking details, select 'Next' below to continue applying for this credit card.

You're all set

Just a heads up - here's what you'll need to apply:

  • Your Online Banking login details
  • Your address details for the last 3 years
  • Your income, outgoings and employment details
  • A note of any cards you wish to transfer a balance from

Let's get you sorted

You’ll need your customer number, online banking PIN and password to apply online. Pick from one of the options below and we'll help you on your way.

When you've got your new online banking details, select 'Next' below to continue applying for this credit card.

You're all set

Here's what you'll need to apply

  • Your Online Banking login details
  • Your address details for the last 3 years
  • Your income, outgoings and employment details
  • A note of any cards you wish to transfer a balance from

Something else we can help you with?