Reward Black credit card

A credit card that rewards you at home and abroad

Representative 40.7% APR (variable)

Available to UK residents, aged 18+ and earning at least £15K per year

Pack some Rewards alongside your flip flops

Use this credit card abroad and you'll pay no foreign transaction fees

Benefit from 1% back in Rewards at supermarkets and 0.5% on spending at their petrol stations

Get 1-15% back in Rewards at selected retailers and 0.5% everywhere else

You won't pay an annual fee if you have a Reward Black current account

As a Reward Black customer, your calls will be prioritised. So whatever you need, we're here to help all year round

Use worldwide at Mastercard® locations, in-store and online

Check your eligibility

We'll tell you if you'll be approved for this card and your indicative credit limit at the start of your application, with no impact on your credit score.

Representative example

Purchase rate

p.a (variable)

Representative APR


Assumed credit limit


Annual fee


Managing your credit card


How do Rewards work?

When you pay using your Reward Black credit card, you’ll earn points known as Rewards. Some other credit card providers place a cap on the amount of points you can earn, but we don't.

Where to earn Rewards

You'll earn 1% in Rewards in supermarkets and 0.5% everywhere else. We'll also email you with personalised monthly spend offers from some of our selected retailers.

How to use your Rewards

It's easy. Once your balance has grown to at least £5, we'll give you a choice of what do with them. You can bank them, trade them or donate them to one of our chosen charities.

About the annual fee and annual fee refund

You won't pay your annual fee if you have a Reward Black current account too.

Paying your credit card

There are a number of convenient ways you can make a payment to your card.

Other charges or fees

Some important things you'll need to know about fees and charges.

Card Features

Spread the cost of your purchase

If you’re buying something expensive and you don’t want to use money from your bank account, a credit card Instalment Plan could be a good way to spread the cost.

Ways to pay

There are many convenient ways to pay using the Reward Black credit card.

Add an additional cardholder

If you'd like to give a loved one access to your credit card, this might be something to consider.

Mobile App Features

Lock and unlock your credit card

Get to know your spending habits

Keep an eye on your credit score

Replace your credit card

Let us know your travel plans

What you should know

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.

Reward Black credit card - FAQs

Something else we can help you with?