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The NatWest Credit Builder credit card

Could boost your credit score

  • Build your credit score: New to borrowing? Got a low credit score? This card could help boost your score, so it could be easier for you to borrow in future. 
  • Pay 3% less interest after 12 months: just use this card at least once, pay us back on time, and don’t go over your credit limit.
  • Credit limit between £250-£1,500: upon application.
  • No annual fee: we won't charge you a fee each year to have this card. 

Already got a good credit score?

All credit cards could improve your credit score. Our other credit cards could be cheaper. Feel free to go back and check out our other cards.

Your credit score is based on lots of factors. So, we can't guarantee it will go up.

Representative Example - Representative 34.9%  (variable). Purchase rate: 34.9% p.a (variable). Assumed credit limit: £1,200. Annual Fee £0

Your credit limit may vary depending on our credit assessment of you. The APR shown will be the APR that applies when this card is taken out. This rate could decrease during the lifetime of the card if certain criteria is met. Interest on fees and charges is payable in line with our terms and conditions.

Card is exclusively for existing customers who've had a current account for 3+ months. Must be UK resident, 18+ and earn £8.5K+ a year.

Check if you could get this card Open in new window

The NatWest Credit Builder credit card

Could boost your credit score

  • Build your credit score: New to borrowing? Got a low credit score? This card could help boost your score, so it could be easier for you to borrow in future. 
  • Pay 3% less interest after 12 months: just use this card at least once, pay us back on time, and don’t go over your credit limit.
  • Credit limit between £250-£1,500: upon application.
  • No annual fee: we won't charge you a fee each year to have this card. 

Already got a good credit score?

All credit cards could improve your credit score. Our other credit cards could be cheaper. Feel free to go back and check out our other cards.

Your credit score is based on lots of factors. So, we can't guarantee it will go up.

Representative Example - Representative 34.9%  (variable). Purchase rate: 34.9% p.a (variable). Assumed credit limit: £1,200. Annual Fee £0

Your credit limit may vary depending on our credit assessment of you. The APR shown will be the APR that applies when this card is taken out. This rate could decrease during the lifetime of the card if certain criteria is met. Interest on fees and charges is payable in line with our terms and conditions.

Card is exclusively for existing customers who've had a current account for 3+ months. Must be UK resident, 18+ and earn £8.5K+ a year.

Check if you could get this card Open in new window

Before you start, please take a look at our important legal info:

Let's start by checking your eligiblity...

We'll check your eligibility at the start – this won't harm your credit score 

We'll also give you an idea of how much you could borrow - and the costs.

It's then completely up to you if you want to apply. If you do, a full credit check will be done.

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

  • Address details for the last three years.
  • Your income, outgoings and employment details.
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