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Reward credit card

A credit card that Rewards
you for nipping to the shops

Representative 26.8% APR (variable)

Rewards when you shop

Enjoy 1% Rewards for your spend at the supermarket

You'll earn 1-15% in Rewards when you shop at MyRewards retailers

Get 0.25% in Rewards for all your other spending, including at supermarket petrol stations

And a wee bit extra

If you already have a Reward current account, you'll get the card's annual fee refunded

We've been rated 5 Stars for our 'Reward credit card' in 2021 by Moneyfacts

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

 

No fees, no fuss

This summer, to help you get a well-deserved break, we won’t charge you any foreign transaction fees (also known as non-sterling transaction fees) when you spend abroad with a Royal Bank credit card. No need to do anything, just pack your Royal Bank card and you’re good to go. Valid from 24th June at 00.00 (local time) to 2nd September 23.59 (local time). Terms Apply.  

Take a look at our Spending abroad page for our top tips and FAQs

 

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

21.9%
p.a (variable)

Representative APR

26.8%
(variable)

Assumed credit limit

£1200

Annual fee

£24

Managing your credit card

Rewards

How do Rewards work?

When you pay using your Reward 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 spend to earn Rewards

Every time you spend in supermarkets you earn 1% in Rewards, and you’ll earn 0.25% everywhere else. We’ve also made partnerships with selected retailers that will offer personalised monthly spend offers.

What to do with your Rewards

Using your rewards is easy. Once you reach £5, you can decide to either bank, trade or donate your points.

Understanding annual fees and annual fee refunds

If you hold a Reward current account we’ll refund the annual fee on your Reward credit card.

How to pay your credit card

We make paying your card easy by giving you choice.

Charges or fees to be aware of

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

Our Reward credit card gives you plenty of ways to pay.

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.

Get ready to apply

We'll check your eligibility at the start

We'll ask a couple of questions about you to get started so we can let you know if you'll be approved and the indicative credit limit and interest rate you'll receive.

Don't worry - this doesn't have an impact on your credit score until you decide you want to go ahead with your application.

Please read these important documents

Please take some time to read the important information. By clicking 'Start my application' below, you are confirming that you have been provided with, and have acknowledged our important documents.

All okay? Let's get started.

Do you have Digital Banking with us?
You'll need to have Digital Banking to apply online with us. If you don't, we'll help you sign up easily in just 5 minutes. You could save time by applying through our mobile app if you're already set up.

You're ready to go

Just a heads up - here's what you'll need to apply:

  • Your Digital Banking login details
  • Your address details for the last 3 years
  • Your income, outgoings and employment details
  • A note of any cards you wish to transfer a balance from

Let's get you set up

You'll need to sign up for Digital Banking with us to apply for our Reward credit card online. The good news is that it normally takes only 5 minutes. If you need a hand, follow our step-by-step guide below.

What you'll need

  • Your sort code and account number
  • Your Royal Bank of Scotland debit card, if you have one

When you've got your new digital banking details, select 'Next' below to continue applying for this credit card.

You're ready to go

Just a heads up - here's what you'll need to apply:

  • Your Digital Banking login details
  • Your address details for the last 3 years
  • Your income, outgoings and employment details
  • A note of any cards you wish to transfer a balance from

Let's get you sorted

You’ll need your customer number, digital banking PIN and password to apply online. Choose from one of the options below and we'll help you on your way.

When you've got your new digital banking details, select 'Next' below to continue applying for this credit card.

You're ready to go

Just a heads up - here's what you'll need to apply:

  • Your Digital Banking login details
  • Your address details for the last 3 years
  • Your income, outgoings and employment details
  • A note of any cards you wish to transfer a balance from

Something else we can help you with?