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Woman shopping with the NatWest Reward credit card
Reward credit card

Get from 0.25% to 15% back with our Reward credit card

Representative 31.0% APR (variable)

Available to UK residents, aged 18+ and earning at least £10K per year

1. What is a reward credit card?

A reward credit card is a card that pays you to spend.

With our Reward credit card, you’ll earn Rewards:

  • 1% back at supermarkets.
  • 1-15% back at chosen retailers.
  • 0.25% back everywhere else, including supermarket petrol stations.

 

2. Why get our Reward credit card?

Get Rewards every time you spend

Earn Rewards that you can turn into cash, donate to charity, or convert to gift vouchers for some retailers.

Earn up to 15% back as an extra bonus

As an extra bonus, you'll get personalised offers from time to time - with rewards up to 15%.

Join the millions who use our app

From freezing a lost card to finding out your PIN, it’s easy to manage your card with our app. Criteria applies.

3. Check your eligibility

Find out if you could get this card before you apply. It takes less than 10 minutes to see if we'll say 'yes' and it won’t affect your credit score.

Representative Example

Purchase rate

25.9%
p.a (variable)

Representative APR

31.0%
(variable)

Assumed credit limit

£1200

Annual fee

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

4. Try our Rewards calculator

Use our Rewards Calculator to see how much you could earn back on your spending.

Earn at least
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Earn at least
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Calculate your rewards
Step 1 of 4

How much do you usually spend at the supermarket?

Please include all your supermarket spending, apart from petrol stations.
Earn at least
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Calculate your rewards
Step 1 of 4

How much do you spend at these retailers ?

Earn at least
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Earn at least
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Earn at least
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Calculate your rewards
Step 1 of 4

How much do you spend on all your other bits and pieces?

It could be anything you put on your card, from new socks to old records.
test
You'll earn at least
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each year
Calculate your rewards
Step 1 of 4
You'll earn at least
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each year

Your rewards

Yearly Rewards

value

Yearly Rewards

value

Yearly Rewards

value

5. It's easy to manage your Reward credit card...

Your Rewards

How Rewards work

You earn Rewards every time you use your Reward credit card. Plus, we don't limit how many you can earn – unlike with some other reward cards.

Where you earn Rewards

You’ll earn 1% in Rewards in supermarkets and 0.25% everywhere else. You’ll also gain personalised monthly offers – up to 15% – from chosen retailers.

How to spend your Rewards

As soon as you’ve earned at least 5 Rewards (worth £5), you can choose what to do with them. Will you bank ‘em, trade ‘em or donate ‘em?

How to pay and more

How to pay with your credit card

Our cards are contactless, so just tap to pay. Or why not load up your phone’s digital wallet? Then instantly pay via Apple Pay or Google Pay.

Could this save you money?

With a Credit Card Instalment Plan, you don’t pay interest. Instead, you pay a fixed monthly fee for up to 24 months. Could our Plan save you money?

Why use our app?

Lock and unlock your credit card

Lost your card? Just lock it in the app, so it can’t be used. Forgot your PIN? Get an instant reminder.

Take control of your spending

It’s a breeze to check your balance in our app, set a daily or monthly budget, lock certain transactions… and more.

Check your credit score

Want to borrow money? A good credit score could help. See what your score is in our app and get tips to improve it.

Replace your credit card

Lost or damaged your card? If you've got an iPhone, it's a doddle to order a new card. Here's how...

Tell us you're travelling

Heading off abroad? It's easy to tell us in the app and could help make sure we don't block your card, wrongly thinking it's fraud.

Just so you know...

Our app is available to customers aged 11 or above with compatible iOS and Android devices and a UK or international mobile number in specific countries.

Charges and fees

How to pay us back

Most people pay via Direct Debit, so they don’t miss a payment. Other ways to pay are...

Annual fee or refund?

We’ll refund the annual (yearly) fee for your Reward card if you have a Reward current account.

Other charges and fees

Please remember that missing a payment or going over your limit could cost you.

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 bank with us already?
Let us know if you already have a current account, savings account, credit card or mortgage with NatWest
What device are you using?
Are you using your mobile, or something else, to apply for a credit card?
Is our app on the device you’re using right now?
The NatWest app is the easiest way for you to apply for a credit card. Do you have it on this device?

Great, let's get started

Just a heads up - you'll be asked to log into the NatWest mobile app to start your credit card application.

Do you have NatWest online banking?
If you know your online banking details we can pre-fill some of your info - making the application process faster.

Log in to start your application (please read the below carefully)

To apply, you’ll need to log in to Online Banking, then return to our credit cards page.

How to apply:

(Please take notes or a picture of this, so you remember)

  1.  Log in to Online Banking.
  2. Choose ‘Credit cards’ (it’s under ‘Our Products’, bottom right).
  3. You’ll return to our credit card page.
  4. Choose ‘Apply for a credit card’.
  5. Choose ‘let’s start’ (under ‘Ready to apply’).

 

Log in and apply.

 

Let’s get you signed up for Online Banking

You’ll need to sign up for Online Banking with us in order to apply for a credit card. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your NatWest Debit Card, if you have one.

Do you have Online Banking?
Got Online Banking? We’ll pre-fill some of your info – so it’s faster for you to apply.

Log in to start your application (please read the below carefully)

To apply, you’ll need to log in to Online Banking, then return to our credit card page.

How to apply:

(Please take notes or a picture of this, so you remember!)

1.       Log in to Online Banking.

2.       Choose ‘Credit cards’ (it’s under ‘Our Products’, bottom right).

3.       You’ll return to our credit card page.

4.       Choose ‘Apply for a credit card’.

5.       Choose ‘let’s start’ (under ‘Ready to apply’).

 

Log in and apply.

Let’s get you signed up for Online Banking

You’ll need to sign up for Online Banking with us in order to apply for a credit card. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your NatWest debit card, if you have one.

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 Mitek 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 Mitek and Photo ID, take a look at our FAQs below.

6. How to apply for a credit card - FAQs