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Credit Cards
Choose from our different types of credit cards
Check your eligibility
Pick a card below to see if you'll be accepted, with no impact on your credit score. We'll check your eligibility at the start of your application - it's then up to you if you want to continue to apply.
Whether you'd like to do a balance transfer, make a big purchase, travel abroad or earn Rewards on spending, our range of Mastercard® credit cards could suit your lifestyle.
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.
Showing 6 credit cards
Purchase & Balance Transfer card
Good for - paying off purchases and balances
- 0% for 17 months from account opening on purchases, after which standard rates apply.
- 0% for 17 months from account opening on balance transfers made within the first 3 months, after which standard rates apply.
- 2.99% balance transfer 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. 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% for 23 months from account opening on balance transfers made within the first 3 months, after which standard rates apply.
- 0% on purchases for 3 months from account opening, there after standard rates apply.
- 3.49% balance transfer 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. 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% for 14 months from account opening on balance transfers made within the first 3 months, after which standard rates apply.
- No fees to transfer a balance to this credit card.
- 0% on purchases for 3 months from account opening, thereafter standard rates apply.
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. Interest on fees and charges is payable in line with our terms and conditions.
The Royal Bank Credit Card
Good for - saving money on your holidays
- No foreign transaction fees on purchases.
- Low rates on purchases and balance transfers.
- No balance transfer fees.
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 credit card
Good for - Rewards when you're shopping
- Earn 1% back in Rewards on supermarket spend (0.25% at their petrol stations and everywhere else).
- Get between 1-15% back at selected 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 fees on purchases.
- 1% back in Rewards on supermarket spend (0.5% at their petrol stations and everywhere else).
- Annual fee refunded if you have a Reward Black current 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 cards
Purchase & Balance Transfer card
Good for - paying off purchases and balances
- 0% for 17 months from account opening on purchases, after which standard rates apply.
- 0% for 17 months from account opening on balance transfers made within the first 3 months, after which standard rates apply.
- 2.99% balance transfer 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. 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% for 23 months from account opening on balance transfers made within the first 3 months, after which standard rates apply.
- 0% on purchases for 3 months from account opening, there after standard rates apply.
- 3.49% balance transfer 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. 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% for 14 months from account opening on balance transfers made within the first 3 months, after which standard rates apply.
- No fees to transfer a balance to this credit card.
- 0% on purchases for 3 months from account opening, thereafter standard rates apply.
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. Interest on fees and charges is payable in line with our terms and conditions.
Showing 2 cards
The Royal Bank Credit Card
Good for - saving money on your holidays
- No foreign transaction fees on purchases.
- Low rates on purchases and balance transfers.
- No balance transfer fees.
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 fees on purchases.
- 1% back in Rewards on supermarket spend (0.5% at their petrol stations and everywhere else).
- Annual fee refunded if you have a Reward Black current 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 2 cards
Reward credit card
Good for - Rewards when you're shopping
- Earn 1% back in Rewards on supermarket spend (0.25% at their petrol stations and everywhere else).
- Get between 1-15% back at selected 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 fees on purchases.
- 1% back in Rewards on supermarket spend (0.5% at their petrol stations and everywhere else).
- Annual fee refunded if you have a Reward Black current 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 1 card
The Royal Bank Credit Card
Good for - saving money on your holidays
- No foreign transaction fees on purchases.
- Low rates on purchases and balance transfers.
- No balance transfer fees.
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.
Other things we can help with
Keep track of your existing credit card
Our credit cards hub will help you get the most out of your existing Royal Bank card. From making a payment to finding out how to change your card, it's all here in one place.
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A simple guide to credit cards
If you want a bit more detail on how credit cards work, take a wee wander 'round our credit cards guide. We'll help you understand the basics, such as the different types of credit cards and give some guidance on the important stuff to remember.
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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.
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 Royal Bank of Scotland credit card.
- Bigger telephone numbers on the back of the card - to help make it simpler to see.
Can we help with anything else?
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