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Ice cream cone with the NatWest Travel Reward credit card
Travel Reward credit card

Get more holiday rewards this summer

Representative 27.9% APR (variable)

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

1. What is a travel reward credit card?

A travel reward credit card is a card that could reward you when you travel and spend.

With our Travel Reward Credit Card, you’ll earn Rewards:

  • 1% back on eligible travel spending* on planes, trains, car rental, ferries, buses, hotel accommodation, travel agents, cruises, campsites and more.
  • 1% to 15% at selected partner retailers.
  • Or, instead of these, 0.1% back everywhere else.**
  • No foreign transaction fees on purchases abroad. (You'll still pay fees if you take money out of cash machines abroad or get a cash advance. You may also pay local fees.)
  • No annual fee.

*Find out what travel spending is eligible for Rewards

**You won’t earn 0.1% Rewards on top of any Rewards earned with your Travel Reward Credit Card: a. through 1-15% Reward offers from selected partner retailers; or b. travel-related purchases that are eligible for our 1% Rewards offer.

2. Why get our Travel Reward credit card?

Get Rewards every time you spend

Earn Rewards on your eligible travel and everyday spending. Then turn them into cash – or e-codes for chosen partner retailers – or donate to charity.

No foreign transaction fees

Spend with this card abroad and pay zero foreign transaction fees. (You’ll pay a fee to get money from a cash machine and for cash advances. There may also be local fees.)

Join the millions who use our app

From viewing your MyRewards balance to finding 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

27.9%
p.a (variable)

Representative APR

27.9%
(variable)

Assumed credit limit

£1200

Annual fee

£0
Information Message

4. It's easy to manage your Travel Reward credit card...

Your Rewards

How Rewards work

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

Where you earn Rewards

Earn 1% in Rewards on eligible travel spending and up to 15% on monthly offers from chosen partner retailers. Earn 0.1% everywhere else.

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?

Forgotten your PIN?

Forgot your PIN? Get an instant reminder.

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 the app, it's a doddle to order a new card. Here's how...

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...

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

Something else we can help you with?