Compare NatWest credit cards for December 2019

Compare NatWest's range of cards, including platinum, reward and student credit cards.

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NatWest

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

Table: sorted by representative APR, promoted deals first
Updated December 7th, 2019
Name Product Purchases Balance transfers Annual/monthly fees Rep. APR Incentive Representative example
9.9%
6.9%
£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).
18.95%
18.95%
£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).
18.9%
18.9%
£24 per annum. Reward or Reward Black Current Account holders: £0 per annum
23.7% (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 £24 per annum. Reward or Reward Black Current Account holders: £0 per annum, your representative rate is 23.7% APR (variable).
18.9%
18.9%
£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).

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Approval for any credit card will depend on your status. The APR shown represents 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 types of credit cards are available from NatWest?

  • Rewards. NatWest’s Reward credit card is designed to let you earn while you spend.
    Learn more about rewards cards
  • 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 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.
    Learn more about student 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.

What is APR?

If you’re comparing any credit products, it won’t be long before you’ll come across the Annual Percentage Rate (APR). This figure is designed to provide an annual summary, taking into account both interest and any mandatory charges to be paid (for example an annual fee). All lenders must calculate the APR of their products in the same way, and must tell you the APR before you sign an agreement, so for consumers it can be a handy tool for comparison.

Bear in mind, however, that lenders are only obliged to award this rate to 51% of those who take out the card – the other 49% could pay more. That’s why it’s often referred to as the representative APR.

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

Got a NatWest card but want to cancel it?

The NatWest Balance Transfer Credit Card (existing customers)
The NatWest Balance Transfer Credit Card (existing customers)

Balance transfers:

0% for 20 months reverting to 19.9%.

Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable), your representative rate is 19.9% APR (variable).

M&S Bank Shopping Plus Mastercard
M&S Bank Shopping Plus Mastercard

Balance transfers:

0% for 20 months reverting to 19.9%

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).

ASDA Money Cashback Credit Card Mastercard
ASDA Money Cashback Credit Card

Balance transfers:

0% for 12 months reverting to 19.9%

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).

The Royal Bank Balance Transfer Credit Card (existing customers)
The Royal Bank Balance Transfer Credit Card (existing customers)

Balance transfers:

0% for 20 months reverting to 19.9%

Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable), your representative rate is 19.9% APR (variable).

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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