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Credit Cards
Choose from our different types of credit cards
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.
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Purchase & Balance Transfer card
Good for - paying off purchases and balances
- 0% for up to 23 months from account opening on purchases, after which standard rates apply.
- 0% for up to 23 months from account opening on balance transfers made within the first 3 months, after which standard rates apply.
- 3.49% balance transfer fee.
Your 0% interest promotional period may vary depending on our credit assessment of you.
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 up to 35 months from account opening on balance transfers made within the first 3 months, after which standard rates apply.
- 0% for 3 months from account opening on purchases, after which standard rates apply.
- 3.49% balance transfer fee.
Your 0% interest promotional period may vary depending on our credit assessment of you.
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 up to 12 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.
Your 0% interest promotional period may vary depending on our credit assessment of you.
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
- Low rates on purchases and balance transfers.
- No balance transfer fees.
- No foreign transaction fees on purchases abroad with this card.
(You'll still pay fees if you take money out of cash machines abroad or get a money advance. You may also pay local 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
- 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.
- No foreign transaction fees on purchases abroad with this card.
(You'll still pay fees if you take money out of cash machines abroad or get a money advance. You may also pay local fees.)
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.
Credit Builder Card
Good for - helping to boost your credit score
- Build your credit score: New to borrowing? Got a low credit score? This card could potentially 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.
- No annual fee: we won't charge you a fee each year to have this card.
All credit cards could improve your credit score.
Already got a good credit score? Our other credit cards could be cheaper.
Your credit score is based on lots of factors. So, we can't guarantee it will go up. To apply, you must be an existing customer who has had a current account for 3+ months. Must be UK resident, 18+ and earn £8.5k+ a year.
Representative example
Your actual 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. For info on how we charge interest on fees and charges, read our terms and conditions.
Purchase & Balance Transfer card
Good for - paying off purchases and balances
- 0% for up to 23 months from account opening on purchases, after which standard rates apply.
- 0% for up to 23 months from account opening on balance transfers made within the first 3 months, after which standard rates apply.
- 3.49% balance transfer fee.
Your 0% interest promotional period may vary depending on our credit assessment of you.
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 up to 35 months from account opening on balance transfers made within the first 3 months, after which standard rates apply.
- 0% for 3 months from account opening on purchases, after which standard rates apply.
- 3.49% balance transfer fee.
Your 0% interest promotional period may vary depending on our credit assessment of you.
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 up to 12 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.
Your 0% interest promotional period may vary depending on our credit assessment of you.
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
- Low rates on purchases and balance transfers.
- No balance transfer fees.
- No foreign transaction fees on purchases abroad with this card.
(You'll still pay fees if you take money out of cash machines abroad or get a money advance. You may also pay local 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
- 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.
- No foreign transaction fees on purchases abroad with this card.
(You'll still pay fees if you take money out of cash machines abroad or get a money advance. You may also pay local fees.)
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.
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
- 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.
- No foreign transaction fees on purchases abroad with this card.
(You'll still pay fees if you take money out of cash machines abroad or get a money advance. You may also pay local fees.)
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 Royal Bank Credit Card
Good for - saving money on your holidays
- Low rates on purchases and balance transfers.
- No balance transfer fees.
- No foreign transaction fees on purchases abroad with this card.
(You'll still pay fees if you take money out of cash machines abroad or get a money advance. You may also pay local 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.
Credit Builder Card
Good for - helping to boost your credit score
- Build your credit score: New to borrowing? Got a low credit score? This card could potentially 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.
- No annual fee: we won't charge you a fee each year to have this card.
All credit cards could improve your credit score.
Already got a good credit score? Our other credit cards could be cheaper.
Your credit score is based on lots of factors. So, we can't guarantee it will go up. To apply, you must be an existing customer who has had a current account for 3+ months. Must be UK resident, 18+ and earn £8.5k+ a year.
Representative example
Your actual 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. For info on how we charge interest on fees and charges, read our terms and conditions.
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.
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.
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.
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