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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 up to 20 months from account opening on purchases, after which standard rates apply.
- 0% for up to 18 months from account opening on balance transfers made within the first 3 months, after which standard rates apply.
- 2.99% 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 31 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
- 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 up to 20 months from account opening on purchases, after which standard rates apply.
- 0% for up to 18 months from account opening on balance transfers made within the first 3 months, after which standard rates apply.
- 2.99% 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 31 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.
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.
See your borrowing options
Not sure if a credit card, loan or overdraft is best for you? Find out the ins and outs of each using our borrowing options guide.
See what other people are asking
How does a credit card work?
Put simply, a credit card is a way of borrowing money that lets you purchase things up to an agreed limit and pay for them later, either in one go or by instalments.
For more support on the basics - from balance transfers to credit scoring - why not try our handy guide? We'll even run you through the different types of credit cards too.
Where can I use my credit card?
Credit cards are commonly used to make purchases in shops or online. You can use them at ATMs too but this type of transaction often incurs a fee.
Our credit cards are Mastercard®, which means they’re accepted all over the world and they’re contactless too - it’s a super quick and no-fuss way to pay for items of £100 or less.
If you need to use your credit card abroad, just look for the Visa and Mastercard logos in retailers or on cash machines, then use your card as normal. When you get back home you'll see the purchases and withdrawals you made abroad shown in the local currency, then exchanged into pounds sterling on your statement. Please note that some credit cards add a small percentage to cover the foreign exchange fee.
How does credit card APR work?
APR stands for Annual Percentage Rate.
With credit cards, there can sometimes be upfront costs such as an annual fee for the card. So, APR is a way that lenders show the interest and additional charges you will pay on what you're borrowing. APR can also be referred to as the 'full cost of borrowing'.
How long does it take to receive a credit card?
Depending on where you apply the timescales will vary. If you apply with us, and your application is successful, you'll receive your card within 5-7 working days.
What credit card payment protection do I get from Section 75 of the Consumer Credit Act?
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 nessesary for you to contact the Disputes team for guidence. 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?
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.
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.
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.
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