Compare NatWest credit cards for October 2020

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Offers a range of dedicated reward cards and specialised student card

Some deals are for existing customers only

NatWest offers a small but carefully-designed range of credit cards designed to cater to most circumstances. Unlike some big high-street banks, you don’t need to be an existing customer to be eligible (with the exception of the student credit card).

NatWest credit cards are part of the Mastercard network, so they’re accepted in more than 35 million locations worldwide.

Compare NatWest credit cards

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Name	Product	Purchases	Balance transfers	Annual/monthly fees	Rep. APR	Incentive	Link
The NatWest Balance Transfer Credit Card (eligibility criteria apply)		0% for 3 months reverting to 19.9% p.a. (variable)	0% for 18 months (0.49% fee)	£0	19.9% (variable)	Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable), your representative rate is 19.9% APR (variable).	Go to site More Info	Compare	loading Fetching your data...
The NatWest Credit Card		9.9%	6.9% (0% fee)	£0	9.9% (variable)	Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).	More Info	Compare	loading Fetching your data...
NatWest Student Credit Card Mastercard		18.95%	18.95% (0% fee)	£0	18.9% (variable)	Representative example: When you spend £500 at a purchase rate of 18.95% (variable) p.a., your representative rate is 18.9% APR (variable).	More Info	Compare	loading Fetching your data...
NatWest Longer Balance Transfer Credit Card Mastercard		0% for 3 months reverting to 19.9%	0% for 23 months (1.99% fee)	£0	19.9% (variable)	Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).	More Info	Compare	loading Fetching your data...
NatWest Reward Credit Card Mastercard		18.9%	18.9% (0% fee)	£24 per annum. Reward or Reward Black Current Account holders: £0 per annum	23.7% (variable)	1% Rewards earned on supermarket spend and 0.25% at their petrol stations, at least 1% Rewards earned at MyRewards retailers and 0.25% everywhere else when shopping at home and abroad. 5 Rewards is £5 when redeemed. Rewards can be converted into money and transferred to a current account, exchanged for gift cards or tickets with some retailers doubling their value or converted into money and donated to one of the RBS Group chosen charities. Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £24 per annum. Reward or Reward Black Current Account holders: £0 per annum, your representative rate is 23.7% APR (variable).	More Info	Compare	loading Fetching your data...
NatWest Reward Black Credit Card Mastercard		18.9%	18.9% (0% fee)	£84 per annum. Reward Black Current Account holders: £0 per annum	37.1% (variable)	1% Rewards earned on supermarket spend and 0.5% at their petrol stations, at least 1% Rewards earned at MyRewards retailers and 0.5% everywhere else when shopping at home and abroad. 5 Rewards is £5 when redeemed. Rewards can be converted into money and transferred to a current account, exchanged for gift cards or tickets with some retailers doubling their value or converted into money and donated to one of the RBS Group chosen charities. Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: £0 per annum, your representative rate is 37.1% APR (variable).	More Info	Compare	loading Fetching your data...

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What types of credit cards are available from NatWest?

• Rewards. NatWest’s Reward credit cards are designed to reward your day-to-day spending.
  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.
  Credit cards for overseas spending
• Student. NatWest’s student credit card is not only designed for student life, but also to help young people build a strong credit history. Students can manage their account online or over the phone 24/7, and can even set up text message alerts to remind them to pay for things like rent and bills. To top it off NatWest also offer 4 years with 1/3 of National Express coach travel.
  Discover student credit cards

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. That’s why they have put in place a number of security measures to stop you becoming a victim of fraud. They’ve committed to refunding any money paid out of your account as a result of fraud, to monitoring your account 24/7 for fraudulent behaviour and ensuring they give you the tools and tips you need 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. A useful tool for those that like to keep a close eye on their spending and budget.

How to apply for a NatWest credit card

The most simple way to apply for a NatWest credit card is online. NatWest also provides an online eligibility checker to help you quickly see if you’re likely to be able to get a credit card without impacting your credit score.

Eligibility requirements

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 are typically 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 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, and to ask for a credit report.

Frequently asked questions

• What's the difference between an eligibility check and a full credit card application?

  The eligibility check is there to help you see if you’ll be able to take out any of NatWest’s credit cards. Unlike the full application check this won’t affect your credit rating. Remember that passing the eligibility check does not guarantee you will be able to secure a credit card.

• Can I manage my account online and over the phone?

  Yes, there are three ways you can manage your account: through the mobile app, online and over the phone.

• What is contactless payment?

  Contactless is a fast, easy and secure way to pay for goods and services under £45 without entering a PIN. To make a payment, all you have to do is follow the instructions on the terminal and place your contactless card over the contactless reader.

• How is interest calculated?

  Your credit card may have different rates of interest for purchases, balance transfers and cash withdrawals. You’ll find details of your specific interest rates in your terms and conditions. Interest is calculated as a percentage of the amount you borrow. The longer it takes you to pay off your balance, the more interest you will have to pay.

• What details will I need to provide?

  As well as proof of ID, you will need to provide the following details during your application.

  • Your address(es) for the last three years
  • Your bank account details
  • Your income and employment details
  • Details of any cards you wish to transfer a balance from

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