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Compare NatWest credit cards
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Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.
What is NatWest?
NatWest’s range of cards is relatively small but it covers most circumstances. Unlike with some big high-street banks, you don’t need to be an existing customer to be eligible.
NatWest credit cards are part of the Mastercard network and are accepted in more than 35 million locations worldwide.
What types of credit cards are available from NatWest?
- Rewards. NatWest’s Reward credit cards let you earn points on your day-to-day spending. Learn more about NatWest credit cards rewards.
- Overseas spending. If you use your credit card overseas a lot or are expecting to, then commission-free foreign transactions could help you save. Learn more about Credit cards for overseas spending
Other benefits of banking with NatWest
NatWest offer many benefits for credit card customers. Here are some of the highlights:
- Security and protection. Keeping your money secure is one of NatWest’s top priorities. It places a number of security measures to stop you from becoming a victim of fraud. It has committed to refunding any money paid out of your account as a result of fraud, monitoring your account 24/7 for fraudulent behaviour and ensuring you have the tools and tips to stay safe.
- Global acceptance. NatWest’s credit cards are issued on the Mastercard network, meaning your card can be used at tens of millions of retailers and ATMs around the globe.
- Mobile app. NatWest’s mobile app allows you to monitor your finances on the go. It suits those who like to keep a close eye on their spending and budget.
The web and app are easy to use and seem to work in real-time.”
Can I use a NatWest credit card abroad?
Yes. NatWest credit cards are all Mastercards so acceptance won’t be an issue. Bear in mind that with some NatWest cards (but not all), you’ll be charged a currency conversion fee for non-sterling transactions. You can click on one of the cards in the table above to see its fee structure.
If you already have a NatWest card, you can let the bank know you’re heading overseas by logging in, choosing “Manage my card”, then “Going abroad” and finally “Add Trip”. You’ll then be prompted to outline where and when you’re travelling.
What is an APR?
This annual percentage rate (APR) is a standardised figure providing an annual summary of the cost of borrowing. It takes into account both interest and any mandatory charges to be paid, so if a card comes with an annual fee attached, its APR will be higher than its interest rate.
Bear in mind that most card issuers tailor interest rates to the perceived risk profile of the applicant. That’s why you’ll often see a representative APR advertised. This is the APR that a card issuer gives to at least 51% of cardholders. If you have good credit, you’ll stand a better chance of being offered the advertised representative APR.
Can I check my eligibility without affecting my credit score?
Yes. Like most card issuers, NatWest offers a “soft search” facility. This checks your credit file to let you know whether or not it’s worth applying, without any impact on your credit score. If it’s good news and you decide to actually apply, then there will be a “hard search” of your credit file at that point, which has a slight negative impact on your score.
Cost of living support
NatWest are currently waiving late/missed payment fees, overlimit fees and returned payment fees to support customers through the cost of living. Fees will be waived until the end of 2023. However, it’s still important to keep payments on time and stay within your credit limit, or you risk harming your credit score. Learn more about how missed card payments can affect your credit score.
How to apply for a NatWest credit card
The easiest way to apply for a NatWest credit card is online. NatWest provides an online eligibility checker to help you quickly see if you’re likely to get a credit card without impacting your credit score.
To have your application for a credit card considered, you must meet the following criteria:
- You’re a UK resident
- You’re aged 18 or over
- You’ve had a permanent UK address for 3 years or more
- You have a good credit rating/history (this is less applicable for student accounts)
Why might you not be approved?
NatWest is unlikely to approve you for a credit card if you’ve got a history of bad debt or if NatWest decides your income/expenditure makes the card unaffordable.
If you’ve got an outstanding county court judgement (CCJ) or are on an individual voluntary arrangement (IVA) it is also likely you will not be approved.
Equally, if you do not have a credit record at all, you may be turned down. It is advisable to go to Experian or another credit rating agency to ask for a credit report.
NatWest customer reviews
In our 2023 customer satisfaction survey, NatWest scored 4.5 out of 5 stars, with 94% of customers saying they’d recommend the brand to a friend.
Customers praised NatWest’s easy to use service. Many customers also commented positively on NatWest’s customer service in branches and over the phone. One commented: “Natwest are a great credit card provider with friendly experienced staff online or in branch to deal with any queries you have”
Contact NatWest customer support
|Live chat support||NatWest’s Cora is an digital chatbox available through the NatWest app. Cora is available 24/7 and if she cannot help answer your query, she’ll pass you onto the customer service team.|
|Report card lost or stolen||You can report a lost or stolen card by ringing 01534 282088. Lines are open between Monday and Tuesday 9am – 5pm, Wednesday 10am – 5pm and Thursday to Friday 9am – 5pm (except public holidays).|
Overview of NatWest credit cards
|Representative APR||From 12.9% to 40.7%|
|0% balance transfer offer||Up to 23 months|
|0% purchases offer||Up to 17 months|
|0% money transfer offer||No money transfer offer available|
|Cashback with brand||Up to 1%|
|Cashback elsewhere||Up to 0.5%|
|Cash advance||From 26.9%|
|Introductory bonus offer||No introductory bonus offers available|
Frequently asked questions
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