Personal
Credit Cards
Reward credit card

Earn Rewards on all your spending with our Reward credit card

Reward credit card

Representative 31.0% APR (variable)

Available to UK residents, aged 18+ and earning at least £10K per year

Gain Rewards every time you spend

Earn 1% back in Rewards on supermarket spending (0.25% at supermarket petrol stations and everywhere else).
Get 1-15% back at chosen MyRewards retailers.
Annual fee refunded if you have a Reward current account.

It's a good idea to pay off your credit card balance every month, or you could pay more in interest than you earn in Rewards. If you transfer a balance (move debt) onto your Reward credit card, we'll charge you interest on it. Not sure this card is for you? See all our credit cards.

Information Message

To apply, you must be a UK resident, aged 18+ and earn £10k+ each year.

Representative Example

Representative APR (variable):

31.0% (variable)

Assumed credit limit:

£1,200

Purchase rate:

25.9% p.a. (variable)

Annual fee:

£24 (Or £0 if you have a Reward current account.)

Your actual credit limit and APR may vary depending on our credit assessment of you. You may receive higher than our standard purchase and balance transfer rate of 25.9% (variable) on application – up to 29.9% p.a. (variable). Interest on fees and charges is payable in line with our terms and conditions. For more details, see the Summary Box.

Check your eligibility and apply Open in new window

Gain Rewards every time you spend

Earn 1% back in Rewards on supermarket spending (0.25% at supermarket petrol stations and everywhere else).
Get 1-15% back at chosen MyRewards retailers.
Annual fee refunded if you have a Reward current account.

Information Message

To apply, you must be a UK resident, aged 18+ and earn £10k+ each year.

Representative Example

Representative APR (variable):

31.0% (variable)

Assumed credit limit:

£1,200

Purchase rate:

25.9% p.a. (variable)

Annual fee:

£24 (Or £0 if you have a Reward current account.)

Check your eligibility and apply Open in new window

Check your eligibility. (Won't harm your credit score.)

Find out if we'll say 'yes' before you apply

It takes less than 10 minutes and won't affect your credit score.

Check your eligibility now Open in new window

Get a free credit score, and more

Get a free credit score in our app

Plus tips to improve your credit score

Pay with Apple Pay or Google Pay™

It's easy, safe and quick

Use our quick and simple app

See your PIN, replace a card, and more

Manage your card in the app

Plus, get spending alerts

Get a free credit score, and more

Get a free credit score in our app

Plus tips to improve your credit score

Pay with Apple Pay or Google Pay™

It's easy, safe and quick

Use our quick and simple app

See your PIN, replace a card, and more

Manage your card in the app

Plus, get spending alerts

How to pay instantly with Apple Pay and Google Pay

Apple Pay and Google Pay are quick, easy and secure

To pay, place your device on a contactless card reader. And – hey presto! – you’ve paid.

It takes just minutes to set up, so what are you waiting for?

How to set up Apple Pay

How to set up Google Pay

Just so you know…

Apple Pay is only available on certain Apple devices.

Google Pay is only available on certain Android devices.

How to pay us back

4 ways to pay your credit card

The no. 1 way people pay is by Direct Debit because it's easy:

You won’t forget to pay.
You won't lose the benefit of a 0% promotional offer.

After you set up a Direct Debit, we’ll automatically take your payment each month. We usually do this 25 calendar days after you get your statement, or soon after.

With a Direct Debit, you could choose to pay:

The full balance each month.
The minimum amount each month.
A fixed amount each month.

Don't want to set up a Direct Debit?

Here are 3 other ways to pay:

The Royal Bank of Scotland app.
Digital Banking.
Another UK bank account via Open Banking (Payit™).

Find out more about your free credit score

Your free credit score is from TransUnion.

To see it in the app, you’ll need to opt in there and be an 18+ customer, with a UK address.

To get our app, you must be age 11 or over, have a UK mobile number (or international mobile number in some countries) and use a compatible iOS and Android device.

Make shopping rewarding...

Earn 5 Rewards (worth £5) and then it's up to you. Will you bank them? Exchange them for an e-card? Or donate them?

For all the juicy details about Rewards, partner offers and more, visit MyRewards.

FAQs about our Reward credit card

What is a reward credit card? And is a Reward credit card worth it? Close

A reward credit card is a card that pays you to spend

What: Spend on a reward card and you'll get something back in return.

How: With our Reward credit card, you'll earn Rewards. After you've earned at least £5, it's up to you what you do with them. You could bank them, trade them for a voucher, or donate them.

Who for: This could be a good option if you pay off your credit card in full each month. (Otherwise, you could pay more in interest than you gain in Rewards.) It's probably not the best card to transfer a balance onto, as you'll be charged interest on it.

Is a Reward credit card worth it?

Yes, a Reward card could be worth it... if you pay off your credit card in full each month.

If you don't, the interest you're charged could cost more than you gain in Rewards.

Want to learn more about credit cards?

Find out more about how credit cards work

Can I use the Reward credit card abroad? Close

Yes, you use your Reward card abroad. (You'll earn Rewards just like at home.)

Our cards are Mastercard.

So you can use them wherever you see the Mastercard logo:

Buy things instore – your card is contactless, so just tap to pay.
Take cash out of cash machines – you'll be charged a fee to do so*.

When you return home...

You'll get a credit card statement showing what you bought and how much cash you took out. Both in local currency – and the cost exchanged into pounds.

*We add a small percentage to cover the foreign exchange fee.

What’s the difference between a reward credit card and a cashback credit card? Close

A cashback credit card pays you a percentage of what you spend. A reward credit card gives you rewards when you spend.

With a cashback credit card, you could get either of these:

Credit on your bill.
Or money paid straight into your bank account.

With our Reward credit card, you earn Rewards that you could turn into:

Cash in your bank account.
A voucher for chosen retailers.
A donation to chosen charities.

Where can I see a list of all your partner retailers? Close

You can see a list of partner retailers in our app, or online

You could earn 1-15% in Rewards at chosen partner retailers:

Get 1% Rewards from retailers like Harvey Nichols, National Express and Europcar.
Get personalised offers with Rewards up to 15%.

Our app tells you who our partner retailers are – and what Rewards they offer:

Go to the NatWest app.
Tap the MyRewards tile.
Tap 'Earn' to see retailers.

Or visit MyRewards to see what Rewards retailers offer:

See what our partner retailers offer

Just so you know: Retailer offers and Reward amounts vary.

How does the Reward credit card annual fee refund work? Close

If you've got a Reward current account, we'll refund you the annual (yearly) fee

We usually charge you £24 each year for the Reward Credit card.

The good news? If you've got a Reward current account, we'll instantly refund this fee.

Take a look at our Reward current account

Account eligibility criteria & conditions apply. £2 monthly fee.

Not got a Reward current account?

We'll charge you the £24 annual fee when you first use your Reward credit card to buy something, or to transfer a balance.
We'll then charge you this fee each year on the same date.

Do I need ID? And how do I apply for a credit card? Close

Yes, you'll probably need ID.

ID helps make sure we're opening the right account for the right person.

To help you get your credit card faster, we work with security experts Mitek.

They'll check your ID in a safe, quick way.

Learn more about Mitek

Mitek could ask you for:

Photo ID – like a driving licence (UK/EU/EEA), UK passport, or foreign passport and visa, EU and EEA National ID card.
A short video or selfie – to compare with your photo ID.
Proof of address – think a driving licence, utility bill (gas, electricity, water, home phone), bank/building society statement, council tax bill.

Prefer not to share your biometric data?

Then feel free to call up our specialist team to apply – this may take longer.

Call: 03453 073 702

Relay UK: 18001 03453 073 702

Open Monday to Friday 8am - 8pm.

Saturday 9am - 3pm.

Closed Sunday and public holidays.

Want top tips to help you apply for a credit card?

Read our "how to apply for a credit card" guide

Ready to apply? Okay, let's start by checking your eligibility...

Please take your time to read this page and decide if this card is right for you. Unsure? Try our borrowing options tool.

We'll start by checking your eligibility – this won't hurt your credit score

At the start of your application, we'll say if you could get this card and what it could cost you. It’s then up to you if you want to go ahead.

To apply for a credit card, you must:

Be 18+, live in the UK and earn 10k+ each year.
Not have been bankrupt in the last 6 years. (Got a joint account? They must not have been bankrupt in the last 6 years either.)

All good? Here's a bit more info:

Important info you need to read before you apply for your card

For key info about this card, please see our Summary Box. Next, read our privacy notice to see how we use your info. Lastly view our My Reward Terms.

See our Summary Box.
Read our privacy notice (PDF, 198 KB).
Review our My Reward Terms.

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.

All okay? Let's get started

Continue

Do you bank with us already?

Let us know if you already have a current account, savings account, credit card or mortgage with Royal Bank of Scotland.

Please choose an option below to continue

I'm an existing Royal Bank of Scotland customer

I'm new to Royal Bank of Scotland

What device are you using?

Are you using your mobile, or something else, to apply for a credit card?

Please choose an option below to continue

I'm using my mobile

I'm using my desktop or tablet

Is our app on the device you’re using right now?

The Royal Bank of Scotland app is the easiest way for you to apply for a credit card. Do you have it on this device?

Please choose an option below to continue

Yes, the Royal Bank of Scotland app is on this device

No, I don't have the Royal Bank of Scotland app

Great, let's get started

Just a heads up - you'll be asked to log into the Royal Bank of Scotland mobile app to start your credit card application.

Do you have Royal Bank of Scotland digital banking?

If you know your digital banking details we can pre-fill some of your info - making the application process faster.

Please choose an option below to continue

Yes

Log in to start your application (please read the below carefully)

To apply, you’ll need to log in to Digital Banking, then return to our credit cards page.

What do you need to log in to Digital Banking?

You’ll need:

Your Digital Banking customer number, PIN and password.
Your mobile phone – to get your one-time password.

How to apply:

(Please take notes or a picture of this, so you remember)

Log in to Digital Banking.
Choose ‘Credit cards’ (it’s under ‘Our Products’, bottom right).
You’ll return to our credit card page.
Choose ‘Apply for a credit card’.
Choose ‘let’s start’ (under ‘Ready to apply’).

Let’s get you signed up for Digital Banking

You’ll need to sign up for Digital Banking with us in order to apply for a credit card. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your Royal Bank of Scotland Debit Card, if you have one.

How to register for digital banking

Head to 'Register for Digital Banking'
Enter your personal details. We’ll need details including your name, date of birth, sort code and account number
We’ll show you your customer number on screen (you're making good progress at this point). Make a note of it as you’ll need it when you log in, in the future. If we don't need anything else from you you'll skip straight to step 7, but you may need to go to step 4, don't worry we'll let you know on screen.
We'll then send you an activation code. We'll send you your activation code in a text message. Or if we don’t have your phone number, we’ll send it through the post
Go to the Royal Bank of Scotland website and click ‘login’ in the top right-hand corner, have your activation code to hand
On the login page, type in your customer number and activation code
Now you need to choose a password and PIN and commit them to memory. The PIN should be four digits long and your password can be between six and twenty characters, and contain both letters and numbers
Done, finished, complete. Now you can manage your finances anywhere you can get online.

Do you have Digital Banking?

Got Digital Banking? We’ll pre-fill some of your info – so it’s faster for you to apply.

Please choose an option below to continue

Yes, I've got Digital Banking

No, I've not got Digital Banking

Log in to start your application (please read the below carefully)

To apply, you’ll need to log in to Digital Banking, then return to our credit card page.

What do you need to log in to Digital Banking?

You’ll need:

Your Digital Banking customer number, PIN and password.
Your mobile phone – to get your one-time password.

How to apply:

(Please take notes or a picture of this, so you remember!)

1. Log in to Digital Banking.

2. Choose ‘Credit cards’ (it’s under ‘Our Products’, bottom right).

3. You’ll return to our credit card page.

4. Choose ‘Apply for a credit card’.

5. Choose ‘let’s start’ (under ‘Ready to apply’).

Let’s get you signed up for Digital Banking

How to register for Digital Banking

Head to 'Register for Digital Banking'
Enter your personal details. We’ll need details including your name, date of birth, sort code and account number
We’ll show you your customer number on screen (you're making good progress at this point). Make a note of it as you’ll need it when you log in, in the future. If we don't need anything else from you you'll skip straight to step 7, but you may need to go to step 4, don't worry we'll let you know on screen.
We'll then send you an activation code. We'll send you your activation code in a text message. Or if we don’t have your phone number, we’ll send it through the post
Go to the Royal Bank of Scotland website and click ‘login’ in the top right-hand corner, have your activation code to hand
On the login page, type in your customer number and activation code
Now you need to choose a password and PIN and commit them to memory. The PIN should be four digits long and your password can be between six and twenty characters, and contain both letters and numbers
Done, finished, complete. Now you can manage your finances anywhere you can get online.

You're all set

Just a heads up, if you choose to continue with your application after we give you an indicative limit, our partner Mitek will then check your identity by matching you to your photo ID. If you don’t have your ID to hand you can finish this step later.

To find out more about Mitek and Photo ID, take a look at our FAQs below.