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Credit cards
Find the best credit card for you
1. Our credit card benefits
Global
Our credit cards are MasterCard or Visa – so you can use them worldwide, in shops and online.
Safe
We protect your card with the latest tech. Plus, your account is covered by our Fraud Promise.
Easy
Join 9 million customers - and effortlessly manage your card with our mobile app.
Just so you know... To get our app, you need to be age 11 or over, have a UK mobile number (or international mobile number in some countries) and use a compatible iOS or Android device.
2. Check your eligibility
1. Choose a credit card
Looking for a credit card? We have a wide range of cards available, each with its own features and benefits.
Choose the card that best suits you.
2. Check your eligibility
We'll check your eligibility at the start and ask a few questions about you so we can let you know if you'll be approved for a credit card.
3. Complete application
We'll show you your personalised credit limit and interest rate, then you can decide if you wish to go ahead with your application.
Don't worry - there is no impact on your credit score until you decide you want to go ahead with your application.
3. Find the right card for you
Showing 7 of our 7 credit cards
Purchase & Balance Transfer card
Good for - time to pay off purchases and balances
- 0% on purchases for 19 months from account opening. Then standard rates apply.
- 0% on balance transfers for 19 months from account opening if balance is transferred within the first 3 months. Then standard rates apply.
- 2.99% balance transfer fee (a fee to move your balance from another card).
To apply, you must be a UK resident, aged 18+ and earn £10k+ each year. Your balance transfer must be at least £100. You can only transfer a balance up to 95% of your available credit limit. You can transfer your balance from most credit cards and store cards, except other NatWest Group cards.
Representative example
Your credit limit and APR may be different from this Representative Example, as they depend on our credit assessment of you. Interest on fees and charges is payable in line with our Terms and Conditions.
Longer Balance Transfer card
Good for - more time to pay off balances
- 0% on balance transfers for 23 months from account opening if balance is transferred within the first 3 months. Then standard rates apply.
- 0% on purchases for 3 months from account opening. Then standard rates apply.
- 3.49% balance transfer fee (a fee to move your balance from another card).
To apply, you must be a UK resident, aged 18+ and earn £10k+ each year. Your balance transfer must be at least £100. You can only transfer a balance up to 95% of your available credit limit. You can transfer your balance from most credit cards and store cards, except other NatWest Group cards.
Representative example
Your credit limit and APR may be different from this Representative Example, as they depend on our credit assessment of you. Interest on fees and charges is payable in line with our Terms and Conditions.
Balance Transfer credit card
Good for - no fee to transfer a balance
- 0% on balance transfers for 13 months from account opening if balance is transferred within the first 3 months. Then standard rates apply.
- 0% on purchases for 3 months from account opening. Then standard rates apply.
- No balance transfer fee (a fee to move your balance from another card).
To apply, you must be a UK resident, aged 18+ and earn £10k+ each year. Your balance transfer must be at least £100. You can only transfer a balance up to 95% of your available credit limit. You can transfer your balance from most credit cards and store cards, except other NatWest Group cards.
Representative example
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.
Travel Reward credit card
Good for - Rewards on travel spending
- 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.
- 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.
To apply, you must be a UK resident, aged 18+ and earning at least £15K per year
Representative example
Your actual credit limit and APR may vary depending on our credit assessment of you.
The NatWest Credit Card
Good for - low rates and saving money abroad
- No foreign transaction fee (no fee on purchases abroad with this card).
- Low rates on purchases or balance transfers.
- No balance transfer fee (no fee to move your balance from another card).
To apply, you must be a UK resident. Aged 18+. Earn £10k+ each year.
Representative example
Your credit limit and APR may be different from this Representative Example, as they depend on our credit assessment of you. Interest on fees and charges is payable in line with our Terms and Conditions.
Reward credit card
Good for - Rewards on spending
- Earn 1% back in Rewards on supermarket spending (0.25% at supermarket petrol stations and everywhere else).
- Get 1-15% back at chosen MyRewards retailers.
- Annual fee refunded if you have a Reward current account.
To apply, you must be a UK resident. Aged 18+. Earn £10k+ each year.
Representative example
Your actual credit limit and APR may vary depending on our credit assessment of you.
Reward Black credit card
Good for - Rewards at home and abroad
- No foreign transaction fee (no fee on purchases abroad with this card).
- Earn 1% back in Rewards on supermarket spending (0.5% at supermarket petrol stations and everywhere else).
- Annual fee refunded if you have a Reward Black account.
To apply, you must be a UK resident, aged 18+ and earning at least £15K per year
Representative example
Your actual credit limit and APR may vary depending on our credit assessment of you.
Showing 3 of our 7 credit cards
Purchase & Balance Transfer card
Good for - time to pay off purchases and balances
- 0% on purchases for 19 months from account opening. Then standard rates apply.
- 0% on balance transfers for 19 months from account opening if balance is transferred within the first 3 months. Then standard rates apply.
- 2.99% balance transfer fee (a fee to move your balance from another card).
To apply, you must be a UK resident, aged 18+ and earning at least £10K per year. Balance transfers are limited to 95% of your available credit limit. Minimum balance transfer amount is £100. You can transfer your balance from most credit cards and store cards, except other NatWest Group cards.
Representative example
Your credit limit and APR may be different from this Representative Example, as they depend on our credit assessment of you. Interest on fees and charges is payable in line with our Terms and Conditions.
Longer Balance Transfer card
Good for - more time to pay off balances
- 0% on balance transfers for 23 months from account opening if balance is transferred within the first 3 months. Then standard rates apply.
- 0% on purchases for 3 months from account opening. Then standard rates apply.
- 3.49% balance transfer fee (a fee to move your balance from another card).
To apply, you must be a UK resident, aged 18+ and earning at least £10K per year. Balance transfers are limited to 95% of your available credit limit. Minimum balance transfer amount is £100. You can transfer your balance from most credit cards and store cards, except other NatWest Group cards.
Representative example
Your credit limit and APR may be different from this Representative Example, as they depend on our credit assessment of you. Interest on fees and charges is payable in line with our Terms and Conditions.
Balance Transfer credit card
Good for - no fee to transfer a balance
- 0% on balance transfers for 13 months from account opening if balance is transferred within the first 3 months. Then standard rates apply.
- 0% on purchases for 3 months from account opening. Then standard rates apply.
- No balance transfer fee (a fee to move your balance from another card).
To apply, you must be a UK resident, aged 18+ and earning at least £10K per year. Balance transfers are limited to 95% of your available credit limit. Minimum balance transfer amount is £100. You can transfer your balance from most credit cards and store cards, except other NatWest Group cards.
Representative example
Your credit limit and APR may be different from this Representative Example, as they depend on our credit assessment of you. Interest on fees and charges is payable in line with our Terms and Conditions.
Showing 3 of our 7 credit cards
Travel Reward credit Card
Good for - Rewards on travel spending
- 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.
- 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.
To apply, you must be a UK resident, aged 18+ and earning at least £10K per year
Representative example
Your actual credit limit and APR may vary depending on our credit assessment of you.
The NatWest Credit Card
Good for - low rates and saving money abroad
- No foreign transaction fee (no fee on purchases abroad with this card).
- Low rates on purchases or balance transfers.
- No balance transfer fee (no fee to move your balance from another card).
To apply, you must be a UK resident. Aged 18+. Earn £10k+ each year.
Representative example
Your credit limit and APR may be different from this Representative Example, as they depend on our credit assessment of you. Interest on fees and charges is payable in line with our Terms and Conditions.
Reward Black credit card
Good for - Rewards at home and abroad
- No foreign transaction fee (no fee on purchases abroad with this card).
- Earn 1% back in Rewards on supermarket spending (0.5% at supermarket petrol stations and everywhere else).
- Annual fee refunded if you have a Reward Black account.
To apply, you must be a UK resident, aged 18+ and earning at least £15K per year
Representative example
Your credit limit and APR may be different from this Representative Example, as they depend on our credit assessment of you. Interest on fees and charges is payable in line with our Terms and Conditions.
Showing 3 of our 7 credit cards
Reward credit card
Good for - Rewards on spending
- Earn 1% back in Rewards on supermarket spending (0.25% at supermarket petrol stations and everywhere else).
- Get 1-15% back at chosen MyRewards retailers.
- Annual fee refunded if you have a Reward current account.
To apply, you must be a UK resident, aged 18+ and earning at least £10K per year
Representative example
Your actual credit limit and APR may vary depending on our credit assessment of you.
Reward Black credit card
Good for - Rewards at home and abroad
- No foreign transaction fee (no fee on purchases abroad with this card).
- Earn 1% back in Rewards on supermarket spending (0.5% at supermarket petrol stations and everywhere else).
- Annual fee refunded if you have a Reward Black account.
To apply, you must be a UK resident, aged 18+ and earning at least £15K per year
Representative example
Your actual credit limit and APR may vary depending on our credit assessment of you.
Travel Reward credit card
Good for - Rewards on travel spending
- 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.
- 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.
To apply, you must be a UK resident, aged 18+ and earning at least £15K per year
Representative example
Your actual credit limit and APR may vary depending on our credit assessment of you.
Showing 1 of our 7 credit cards
The NatWest Credit Card
Good for - low rates on spending
- No foreign transaction fee (no fee on purchases abroad with this card).
- Low rates on purchases or balance transfers.
- No balance transfer fee (no fee to move your balance from another card).
To apply, you must be a UK resident, aged 18+ and earning at least £10K per year
Representative example
Your credit limit and APR may be different from this Representative Example, as they depend on our credit assessment of you. Interest on fees and charges is payable in line with our Terms and Conditions.
4. Read our credit card FAQs
- What: A credit card is a way for you to borrow money.
- How: You can use it to buy things up to an agreed limit, then pay later – either in one go, or bit by bit.
For more info, read our credit card guide.
You’ll find answers to these questions and more:
"Is it a good idea to get a credit card in the first place?", "What is a balance transfer, or credit scoring?", "Do I always pay interest on a credit card?", "What's the protection you get if you buy something with your NatWest credit card?"
As well as credit cards, we offer:
Loans.
Overdrafts.
So, which is the best way for you to borrow?
Figure it out fast, with this 5-minute read:
Check out our Borrowing Options Guide.
Our credit cards are Mastercard, so you can use them almost everywhere:
- Buy things online – wherever you see the Mastercard sign.
- Buy things in-store – it’s contactless, so just tap to pay.
- Take cash out of cash machines – you’ll be charged a fee to do so, though.
Want your card for abroad?
- You can use your card worldwide wherever you see the Mastercard sign.
- When you return home, your credit card statement will show what you bought and how much cash you took out – in local currency, plus the cost exchanged into pounds.
- Some of our credit cards charge a small percentage to cover the foreign exchange fee.
APR stands for ‘Annual Percentage Rate’.
It’s an easy way for you to compare the cost of credit cards.
That’s because it gives you the full cost of borrowing, including:
- The yearly cost of borrowing (the interest you’d pay).
- Plus, any extra charges (like an annual fee).
It takes less than 10 minutes to check your eligibility and apply for one of our credit cards.
If we say ‘yes’, your card could wing its way to you in 5-7 working days.
To find out which credit card is right for you, why not check out our credit card guide?
It’s a quick read that tells you how credit cards work and the types we offer.
Yes, we often ask for ID to make sure we’re opening the right account for the right person.
To help you get your credit card faster, we work with Mitek, who check your ID in a safe, quick way.
Mitek could ask you for:
- Photo ID – like a driver’s licence, passport, or EU ID card.
- A short video or selfie – to compare with your photo ID.
- Proof of address – think a driver’s licence, utility bill, bank statement, or tax documents.
Section 75 of the Consumer Credit Card Act 1974 is an act that covers purchases made by credit cards.
The effect of Section 75 of the Consumer Credit Act 1974 is that where payments is made for goods or services using a credit card, any claim against the supplier is respect of misrepresentation or breach of contract, he shall have a like claim against the Bank, who, with the supplier, shall be jointly and severally liable to the debtor.
To be able to raise a claim you have to provide documentation or tangible evidence to prove your claim under this Act.
If your claim is being raised under Section 75 of the consumer credit act it will be necessary for you to contact the Disputes team for guidance. Regrettably claims of this nature cannot be raised using the online form service.
To find out more about Section 75 and chargebacks, why not check out our credit card guide?
How to get extra help with your banking
Are you an existing customer who needs a little more help? Maybe you’ve got a disability, English is your second language, or you’ve recently lost someone.
We’re here for you. Just let us know once, so we can update our systems and offer you the support you need.
You can tell us online, call us, or visit a branch. To share your details with us, go to Banking My Way.
Yes. In fact, we launched the UK's first credit card for blind and partially sighted people - it's also the first to be accredited by the Royal Institute of Blind People (RNIB)
3 ways we've made our credit cards easier for you to use:
- A notch in your card, so you know which way round to use it - no more fumbling at the cash machine, or card reader.
- Raised dots or line for recognition - you'll instantly know which is your NatWest credit card.
- Bigger telephone numbers on the back of the card - to help make it simpler to see.
Other ways we could help
Manage your existing credit card
Find out how you see what you've spent, make payments, get a new credit card and more.
Credit card, loan or overdraft?
Credit card, loan, or overdraft? What's the best way for you to borrow? Our guide will help you decide.
Support when you need it
Worried you can't pay your NatWest credit card? We're here to help you feel supported.
Something else we can help you with?
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