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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Credit cards
Choose from our different types of credit cards
See our credit cards
Whether you're looking to make a special purchase, go on holiday, do a balance transfer or earn a wee bit back in Rewards when you shop, we might have a credit card to suit your needs. Take a peek at our Mastercard® credit cards below.
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.
Purchase & Balance Transfer card
Good for - paying off purchases and balances
- 0% for 23 months from account opening on purchases, after which standard rates apply
- 0% for 23 months from account opening on balance transfers made within the first 3 months, after which standard rates apply
- 2.49% balance transfer fee
- No foreign transaction fees this summer, T&Cs apply
To apply, you must hold a current account, savings account, credit card or mortgage with us, 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 22 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
- No foreign transaction fees this summer, T&Cs apply
To apply, you must hold a current account, savings account, credit card or mortgage with us, 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 hold a current account, savings account, credit card or mortgage with Royal Bank of Scotland, 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
- No foreign transaction fees this summer, T&Cs apply
To apply, you must hold a current account, savings account, credit card or mortgage with Royal Bank of Scotland, 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 hold a current account, savings account, credit card or mortgage with Royal Bank of Scotland, 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.
Purchase & Balance Transfer card
Good for - paying off purchases and balances
- 0% for 23 months from account opening on purchases, after which standard rates apply
- 0% for 23 months from account opening on balance transfers made within the first 3 months, after which standard rates apply
- 2.49% balance transfer fee
- No foreign transaction fees this summer, T&Cs apply
To apply, you must hold a current account, savings account, credit card or mortgage with us, 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 22 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
- No foreign transaction fees this summer, T&Cs apply
To apply, you must hold a current account, savings account, credit card or mortgage with us, 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 hold a current account, savings account, credit card or mortgage with Royal Bank of Scotland, 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 hold a current account, savings account, credit card or mortgage with Royal Bank of Scotland, 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
- No foreign transaction fees this summer, T&Cs apply
To apply, you must hold a current account, savings account, credit card or mortgage with Royal Bank of Scotland, 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 hold a current account, savings account, credit card or mortgage with Royal Bank of Scotland, 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
- No foreign transaction fees on purchases
- Low rates on purchases and balance transfers
- No balance transfer fees
To apply, you must hold a current account, savings account, credit card or mortgage with Royal Bank of Scotland, 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.
There's no need to chance it
Our eligibility checker allows you to find out whether you'll be accepted before you apply with us. It takes around 2 minutes and it won't harm your credit rating.
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.
Coronavirus support
If you are concerned about being unable to make your repayments on your Royal Bank of Scotland credit card, we have lots of guidance and support to help you.