Our credit cards are safe and secure and can be used all over the world. Find the right one for you.
Overlay
Premier
Choose a credit card that's right for you
Traveling abroad
Ski trip, safari or city break – wherever you’re headed, take your credit card with you. You can use it worldwide, in-store and online.
Secure
We keep your card protected using the latest tech. Your account is kept safe with our Fraud Promise.
Effortless
Join nine million customers already using our fast and secure banking app to manage their card.
Here to help
Access our Premier 24 team around the clock through webchat or phone. They have the expert knowledge and resources to quickly respond to any of your credit card queries, anytime, anywhere.
To get our app, you need to be aged 11+, have a UK mobile number (or international mobile number in some countries) and use a compatible iOS or Android device.
1. Choosing the right credit card
We offer a wide range of credit cards, each with varying features and benefits, so you can find the credit card that best fits your needs.
2. Check your eligibility
We won’t waste your time. We’ll check your eligibility right at the start by asking a few questions and can let you know quickly if you’ll be approved for one of our credit cards.
3. Complete your application
You’ll see your personalised credit limit and interest rate. You can then decide if you wish to go ahead with your application.
There will be no impact on your credit score if you decide you don’t want to go ahead with your application.
What do you want your credit card for?
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.
Reward credit card
Good for - Rewards on spending
- 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.
To apply, you must be a UK resident. Aged 18+. Earn £10k+ each year.
Representative example
Or £0 if you have a Reward current account.
Your actual credit limit and APR may vary depending on our credit assessment of you.
The Royal Bank Credit Card
Good for - low rates and saving money abroad
- 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+. Earn £10k+ each year.
Representative example
Your actual credit limit and APR may vary depending on our credit assessment of you.
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.
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 credit limit and APR may be different from this Representative Example, as they depend on our credit assessment of you. Interest on fees and charges is payable in line with our Terms and Conditions.
Purchase & Balance Transfer card
Good for - time to pay off purchases and balances
- 0% for up to 23 months from account opening on purchases, after which standard rates apply.
- 0% for up to 21 months from account opening on balance transfers made within the first 3 months, 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 credit limit and APR may be different from this Representative Example, as they depend 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 - low rates and saving money abroad
- 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+. Earn £10k+ each year.
Representative example
Your actual credit limit and APR may vary depending on our credit assessment of you.
Purchase & Balance Transfer card
Good for - time to pay off purchases and balances
- 0% for up to 23 months from account opening on purchases, after which standard rates apply.
- 0% for up to 21 months from account opening on balance transfers made within the first 3 months, 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 credit limit and APR may be different from this Representative Example, as they depend 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 credit limit and APR may be different from this Representative Example, as they depend 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.
Purchase & Balance Transfer card
Good for - time to pay off purchases and balances
- 0% for up to 23 months from account opening on purchases, after which standard rates apply.
- 0% for up to 21 months from account opening on balance transfers made within the first 3 months, 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 credit limit and APR may be different from this Representative Example, as they depend 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 credit limit and APR may be different from this Representative Example, as they depend 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.
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.
Reward credit card
Good for - Rewards on spending
- 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.
To apply, you must be a UK resident. Aged 18+. Earn £10k+ each year.
Representative example
Or £0 if you have a Reward current account.
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.
Reward credit card
Good for - Rewards on spending
- 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.
To apply, you must be a UK resident. Aged 18+. Earn £10k+ each year.
Representative example
Or £0 if you have a Reward current account.
Your actual credit limit and APR may vary depending on our credit assessment of you.
Our credit card FAQs
More ways we could help
Manage your existing credit card
Keep track of what you’ve spent, make payments, get a new credit card and more.
Credit card, loan or overdraft?
Credit card, loan, or overdraft? What's the best way for you to borrow? Our guide will help you decide.
Support when you need it
Worried you can't pay your Royal Bank credit card? We're here to help you feel supported.
Premier 24
Access to our friendly Premier 24 team anytime, anywhere. Talk with a human about your day-today banking needs, securely and safely. Voice ID is available to Telephone Banking customers aged 18+.
Opens in a new window