Compare NatWest credit cards for August 2019

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

Updated August 25th, 2019

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Name	Product	Purchases	Balance transfers	Annual/monthly fees	Rep. APR		Incentive	Representative example
The NatWest Credit Card		9.9%	6.9%	£0	9.9% p.a. (variable)	Go to site More Info		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).	Compare	loading Fetching your data...
The NatWest Balance Transfer Credit Card (existing customers)		0% for 3 months reverting to 19.9% p.a. (variable)	0% for 23 months reverting to 19.9%	£0	19.9% p.a. (variable)	Go to site More Info		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).	Compare	loading Fetching your data...
NatWest Student Credit Card Mastercard		18.95%	18.95%	£0	18.9% p.a. (variable)	More Info		Representative example: When you spend £500 at a purchase rate of 18.95% (variable) p.a., your representative rate is 18.9% APR (variable).	Compare	loading Fetching your data...
NatWest Reward Credit Card Mastercard		18.9%	18.9%	£24 per annum. Reward or Reward Black Current Account holders: £0 per annum	23.7% p.a. (variable)	More Info	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).	Compare	loading Fetching your data...
NatWest Reward Black Credit Card Mastercard		18.9%	18.9%	£84 per annum. Reward Black Current Account holders: £0 per annum	37.1% p.a. (variable)	More Info	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).	Compare	loading Fetching your data...

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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.

How do NatWest’s cards hold up against the rest of the market?

• Balance Transfer Cards
• 0% Purchase Cards
• Credit Builder Cards

Updated August 25th, 2019

Sort by:

Name	Product	Balance transfers	Balance transfer fee	Purchases	Rep. APR		Incentive	Representative example
ASDA Money Cashback Credit Card Mastercard		0% for 12 months reverting to 19.9%	3% (min. £3)	19.9%	19.9% p.a. (variable)	Go to site More Info	Earn Asda vouchers every time you shop - 1% cashback on all Asda spend, 0.2% on all other transactions and 10% on selected insurance products. Once £2.5 is earnt a voucher can be downloaded to spend in Asda stores.	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).	Compare	loading Fetching your data...
The NatWest Balance Transfer Credit Card (existing customers)		0% for 23 months reverting to 19.9%	0% for transfers in first 3 months	0% for 3 months reverting to 19.9% p.a. (variable)	19.9% p.a. (variable)	Go to site More Info		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).	Compare	loading Fetching your data...
The Royal Bank Balance Transfer Credit Card (existing customers)		0% for 23 months reverting to 19.9%	0% for transfers in first 3 months	0% for 3 months reverting to 19.9% p.a. (variable)	19.9% p.a. (variable)	Go to site More Info		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).	Compare	loading Fetching your data...
M&S Bank Shopping Plus Mastercard		0% for 20 months reverting to 19.9%	2.9% (min. £5)	0% for 20 months reverting to 19.9%	19.9% p.a. (variable)	Go to site More Info	Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.	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).	Compare	loading Fetching your data...
Nationwide BS Select Credit Card Visa		0% for 12 months reverting to 15.9%	0% for 3 months reverting to 2.4% (min. £5)	0% for 12 months reverting to 15.9%	15.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 15.9% (variable) p.a., your representative rate is 15.9% APR (variable).	Compare	loading Fetching your data...
Nationwide BS Credit Card Visa		0% for 12 months reverting to 17.9%	0% for 3 months reverting to 2.4% (min. £5)	0% for 12 months reverting to 17.9%	17.9% p.a. (variable)	More Info	Customers will be able to earn commission-free purchases abroad by using their Credit Card each time they make a purchase in Sterling. The calculation will be based on a 5:1 ratio - for example, £5 spent in Sterling will earn an allowance of £1 commission free-purchases abroad. Purchases abroad beyond the earned amount will be charged 2% commission.	Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a., your representative rate is 17.9% APR (variable).	Compare	loading Fetching your data...
Clydesdale Bank Gold Mastercard		0% for 12 months reverting to 18.9%	3% (min. £3)	0% for 26 months reverting to 18.9%	18.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).	Compare	loading Fetching your data...
Santander Everyday Credit Card Mastercard		0% for 18 months reverting to 18.9%	0% for 18 months reverting to 3% (min. £5)	0% for 3 months reverting to 18.9%	18.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).	Compare	loading Fetching your data...
John Lewis and Waitrose Partnership Mastercard		0% for 18 months reverting to 18.9%	2.9% (min. £5)	0% for 9 months reverting to 18.9%	18.9% p.a. (variable)	More Info	Earn 1 point for every £1 spent in store or online at John Lewis, Waitrose and John Lewis Insurance. Earn 1 Point for every £2 spent elsewhere. Vouchers issued once customer reaches 500 points in Feb, Jun or Oct when vouchers are automatically issued to customers. Every 500 points is worth £5.	Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).	Compare	loading Fetching your data...
Yorkshire Bank Gold Mastercard		0% for 12 months reverting to 18.9%	3% (min. £3)	0% for 26 months reverting to 18.9%	18.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).	Compare	loading Fetching your data...
first direct Credit Card Visa		0% for 27 months reverting to 18.9%	2.29% (min. £5) for 3 months reverting to 2.9% (min. £5)	18.9%	18.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).	Compare	loading Fetching your data...
HSBC Premier Credit Card Mastercard		0% for 18 months reverting to 18.9%	1.4% (min. £5) for 2 months reverting to 2.9% (min. £5)	0% for 9 months reverting to 18.9%	18.9% p.a. (variable)	More Info	A selection of rewards from a range of partners. Earn 1 point for every £1 spent within the UK and earn 2 points for every £1 spent outside the UK. Points can be redeemed for shopping vouchers and frequent flyer miles.	Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).	Compare	loading Fetching your data...
Halifax Online Balance Transfer and Purchase Credit Card Mastercard		0% for 20 months reverting to 19.95%	3% (min. £3)	0% for 20 months reverting to 19.95%	19.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Bank of Ireland UK Matched Mastercard		0% for 24 months reverting to 19.9%	2.49%	0% for 24 months reverting to 19.9%	19.9% p.a. (variable)	More Info		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).	Compare	loading Fetching your data...
Lloyds Bank Online Platinum 28 Month Balance Transfer Mastercard		0% for 28 months reverting to 19.94%	3%	0% for 3 months reverting to 19.94%	19.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 19.94% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Halifax 20 Month Balance Transfer Credit Card Mastercard		0% for 20 months reverting to 19.95%	0% for 3 months reverting to 3% (min. £3)	0% for 6 months reverting to 19.95%	19.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Ulster Bank Balance Transfer Credit Card Mastercard		0% for 23 months reverting to 19.9%	0%	0% for 3 months reverting to 19.9%	19.9% p.a. (variable)	More Info		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).	Compare	loading Fetching your data...
Barclaycard Platinum 28 Month Balance Transfer Visa		0% for 28 months reverting to 19.9%	1.75% for transfers in first 60 days	0% for 6 months reverting to 19.9%	19.9% p.a. (variable)	More Info	Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive pre-sale tickets on selected festivals with 10% off ticket prices. Save 5% on food and drink at all UK 02 Academy venues.	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).	Compare	loading Fetching your data...
Tesco Bank 12 Month All Round Clubcard Credit Card Mastercard		0% for 12 months reverting to 21.814%	0% for 12 months reverting to 3.99% (min. £3)	0% for 12 months reverting to 19.944%	19.9% p.a. (variable)	More Info	1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.	Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
TSB Platinum 20 Month Purchase Mastercard		0% for 20 months reverting to 19.95%	2.95% for 3 months reverting to 3%	0% for 20 months reverting to 19.95%	19.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Bank of Scotland Platinum 24 Month Balance Transfer Mastercard		0% for 24 months reverting to 19.95%	1.5% for 3 months reverting to 3% (min. £3)	0% for 12 months reverting to 19.95%	19.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Barclaycard Platinum 27 Month Purchase and Balance Transfer Visa		0% for 27 months reverting to 19.9%	2.7% for transfers in first 60 days	0% for 27 months reverting to 19.9%	19.9% p.a. (variable)	More Info		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).	Compare	loading Fetching your data...
Bank of Scotland Platinum 20 Month Purchase and Balance Transfer Mastercard		0% for 20 months reverting to 19.95%	3% (min. £3)	0% for 20 months reverting to 19.95%	19.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Barclaycard Platinum No Fee Balance Transfer Visa		0% for 20 months reverting to 19.9%	0% for transfers in first 60 days	0% for 6 months reverting to 19.9%	19.9% p.a. (variable)	More Info		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).	Compare	loading Fetching your data...
Lloyds Bank Online Platinum 24 Month Balance Transfer Mastercard		0% for 24 months reverting to 19.94%	1.5% for 3 months reverting to 3% (min. £3)	0% for 12 months reverting to 19.94%	19.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 19.94% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Tesco Bank Clubcard 20 Month 0% Balance Transfer Fee Mastercard		0% for 20 months reverting to 21.814%	0% for 3 months reverting to 3.99%	19.944%	19.9% p.a. (variable)	More Info	1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.	Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Sainsbury's Bank Balance Transfer Credit Card Mastercard		0% for 28 months reverting to 19.95%	3% (min. £3)	0% for 3 months reverting to 19.95%	19.9% p.a. (variable)	More Info	Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Earn 1 Nectar point for every £5 spent elsewhere.	Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Tesco Bank Clubcard Credit Card for 28 Months Money Transfer Mastercard		0% for 28 months reverting to 21.814%	2.98% for 28 months reverting to 3.99% (min. £3)	0% for 3 months reverting to 19.944%	19.9% p.a. (variable)	More Info	1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.	Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
M&S Bank Transfer Plus Mastercard		0% for 28 months reverting to 19.9%	2.85% (min. £5) for 3 months reverting to 2.9% (min. £5)	0% for 6 months reverting to 19.9%	19.9% p.a. (variable)	More Info	Earn 1 point for every £1 spent at Marks and Spencer's and 1 point or every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.	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).	Compare	loading Fetching your data...
Halifax 25 Month Balance Transfer Credit Card Mastercard		0% for 25 months reverting to 19.95%	1% for 3 months reverting to 3% (min. £3)	0% for 12 months reverting to 19.95%	19.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Tesco Bank Clubcard Credit Card for 28 Months Balance Transfer Mastercard		0% for 28 months reverting to 21.814%	2.98% for 28 months reverting to 3.99% (min. £3)	0% for 3 months reverting to 19.944%	19.9% p.a. (variable)	More Info	1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.	Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Tesco Bank 15 Month All Round Clubcard Credit Card Mastercard		0% for 15 months reverting to 21.814%	0.85% for 15 months reverting to 3.99% (min. £3)	0% for 15 months reverting to 19.944%	19.9% p.a. (variable)	More Info	1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.	Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Lloyds Bank Online Platinum 20 Month Purchase and Balance Transfer Mastercard		0% for 20 months reverting to 19.94%	3% (min. £3)	0% for 20 months reverting to 19.94%	19.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 19.94% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Halifax 29 Month Balance Transfer Credit Card Mastercard		0% for 29 months reverting to 19.95%	3% (min. £3)	0% for 3 months reverting to 19.95%	19.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Lloyds Bank Online Platinum 20 Month Balance Transfer Mastercard		0% for 20 months reverting to 19.94%	0% for 3 months reverting to 3% (min. £3)	0% for 6 months reverting to 19.94%	19.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 19.94% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
The Co-operative Bank Balance Transfer Credit Card Visa		0% for 24 months reverting to 20.6%	0%	0% for 4 months reverting to 20.6%	20.6% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 20.6% (variable) p.a., your representative rate is 20.6% APR (variable).	Compare	loading Fetching your data...
Sainsbury's Bank No Balance Transfer Fee Credit Card Mastercard		0% for 20 months reverting to 20.95%	0% for transfers made within 3 months	0% for 3 months reverting to 20.95%	20.9% p.a. (variable)	More Info	Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Earn 1 Nectar point for every £5 spent elsewhere.	Representative example: When you spend £1,200 at a purchase rate of 20.95% (variable) p.a., your representative rate is 20.9% APR (variable).	Compare	loading Fetching your data...
Sainsbury's Bank Dual Offer Credit Card Mastercard		0% for 25 months reverting to 20.95%	3% (min. £3)	0% for 25 months reverting to 20.95%	20.9% p.a. (variable)	More Info	Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Earn 1 Nectar point for every £5 spent elsewhere.	Representative example: When you spend £1,200 at a purchase rate of 20.95% (variable) p.a., your representative rate is 20.9% APR (variable).	Compare	loading Fetching your data...
MBNA 0% Transfer and Purchase Credit Card		0% for 27 months reverting to 20.93%	2.69% for 2 months reverting to 5%	0% for 27 months reverting to 20.93%	20.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 20.93% (variable) p.a., your representative rate is 20.9% APR (variable).	Compare	loading Fetching your data...
MBNA Long 0% Balance Transfer Credit Card		0% for 29 months reverting to 20.93%	2.75% for 2 months reverting to 5%	20.93%	20.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 20.93% (variable) p.a., your representative rate is 20.9% APR (variable).	Compare	loading Fetching your data...
MBNA Low Fee 0% Balance Transfer Credit Card		0% for 26 months reverting to 20.93%	1% for 2 months reverting to 5%	20.93%	20.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 20.93% (variable) p.a., your representative rate is 20.9% APR (variable).	Compare	loading Fetching your data...
Santander All in One Credit Card Mastercard		0% for 26 months reverting to 15.9%	0% for 26 months reverting to 3% (min. £5)	0% for 26 months reverting to 15.9%	21.7% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 15.9% (variable) p.a. with a fee of £3 per month, your representative rate is 21.7% APR (variable).	Compare	loading Fetching your data...
Virgin Money 29 Month Balance Transfer Credit Card Mastercard		0% for 29 months reverting to 21.9%	3% for 2 months reverting to 5%	0% for 3 months reverting to 21.9%	21.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
Virgin Money 20 Month Purchase Credit Card Mastercard		0% for 12 months reverting to 21.9%	2% for 2 months reverting to 5%	0% for 20 months reverting to 21.9%	21.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
Virgin Money 27 Month Balance Transfer Credit Card Mastercard		0% for 27 months reverting to 21.9%	1.45% for 2 months reverting to 5%	0% for 3 months reverting to 21.9%	21.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
HSBC Balance Transfer Credit Card Visa		0% for 25 months reverting to 21.9%	1.5% (min. £5) for 2 months reverting to 2.9% (min. £5)	0% for 3 months reverting to 21.9%	21.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
Virgin Money 12 Month Travel Credit Card Mastercard		0% for 12 months reverting to 21.9%	2% for 2 months reverting to 5%	0% for 12 months reverting to 21.9%	21.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
Virgin Money 23 Month All Round Credit Card Mastercard		0% for 23 months reverting to 21.9%	2.9% for 2 months reverting to 5%	0% for 20 months reverting to 21.9%	21.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
Laura Ashley Mastercard		0% for 12 months reverting to 21.94%	5%	0% for 3 months reverting to 21.94%	21.9% p.a. (variable)	More Info	Earn 2 privilege points for every £1 spent at Laura Ashley, and 1 privilege point for every £2 spent elsewhere. 500 points equals a £5 voucher which is issued quarterly.	Representative example: When you spend £1,200 at a purchase rate of 21.94% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
IHG Rewards Club Credit Card Mastercard		0% for 12 months reverting to 22.9%	3% (min. £3)	22.9%	22.9% p.a. (variable)	More Info	1 IHG Rewards Club point for every £1 spent in the UK. 2 IHG Rewards Club points for every £1 spent at any IHG location in the UK. 2 IHG Rewards Club points for every £1 spent abroad.	Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).	Compare	loading Fetching your data...
HSBC Purchase Plus Credit Card Visa		0% for 18 months reverting to 22.9%	2.9% (min. £5) for transfers in first 60 days	0% for 18 months reverting to 22.9%	22.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).	Compare	loading Fetching your data...
MBNA Long 0% Money Transfer Credit Card		0% for 12 months reverting to 22.93%	4% for 2 months reverting to 5%	22.93%	22.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 22.93% (variable) p.a., your representative rate is 22.9% APR (variable).	Compare	loading Fetching your data...
Virgin Money 24 Month Balance Transfer Credit Card Mastercard		0% for 24 months reverting to 23.9%	2.8% for 2 months reverting to 5%	0% for 3 months reverting to 23.9%	23.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Compare	loading Fetching your data...
Virgin Money 20 Month All Round Credit Card Mastercard		0% for 20 months reverting to 23.9%	2.9% for 2 months reverting to 5%	0% for 20 months reverting to 23.9%	23.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Compare	loading Fetching your data...
Barclaycard Platinum 18 Month Balance Transfer Visa		0% for 18 months reverting to 24.9%	2.99%	0% for 3 months reverting to 24.9%	24.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Compare	loading Fetching your data...
Debenhams Mastercard		0% for 12 months reverting to 24.94%	5%	24.94%	24.9% p.a. (variable)	More Info	Earn 3 points for every £1 spent at Debenhams, and 1 point for every £2 spent elsewhere. 500 points equals a £5 voucher which is issued quarterly.	Representative example: When you spend £1,200 at a purchase rate of 24.94% (variable) p.a., your representative rate is 24.9% APR (variable).	Compare	loading Fetching your data...
Capital One Balance Transfer Mastercard		0% for 12 months reverting to 24.93%	2.9%	0% for 3 months reverting to 24.93%	24.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 24.93% (variable) p.a., your representative rate is 24.9% APR (variable).	Compare	loading Fetching your data...
Virgin Money 16 Month All Round Credit Card Mastercard		0% for 16 months reverting to 27.9%	2.9% for 2 months reverting to 5%	0% for 16 months reverting to 27.9%	27.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 27.9% (variable) p.a., your representative rate is 27.9% APR (variable).	Compare	loading Fetching your data...
Bank of Scotland Classic Mastercard		0% for 18 months reverting to 27.95%	3% (min. £3)	0% for 9 months reverting to 27.95%	27.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 27.95% (variable) p.a., your representative rate is 27.9% APR (variable).	Compare	loading Fetching your data...
Lloyds Bank (Branch) Classic Mastercard		0% for 18 months reverting to 27.95%	3% (min. £3)	0% for 9 months reverting to 27.95%	27.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 27.95% (variable) p.a., your representative rate is 27.9% APR (variable).	Compare	loading Fetching your data...
Virgin Money 20 Month Balance Transfer Credit Card Mastercard		0% for 20 months reverting to 27.9%	2.8% for 2 months reverting to 5%	0% for 3 months reverting to 27.9%	27.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 27.9% (variable) p.a., your representative rate is 27.9% APR (variable).	Compare	loading Fetching your data...
IHG Rewards Club Premium Credit Card Mastercard		0% for 12 months reverting to 22.9%	3% (min. £3)	22.9%	45.1% p.a. (variable)	More Info	2 IHG Rewards Club point for every £1 spent in the UK. 4 IHG Rewards Club points for every £1 spent at any IHG location in the UK. 4 IHG Rewards Club points for every £1 spent abroad. Free night voucher at any IHG property if customer spends £10,000 per year. Free night voucher to be awarded on account anniversary.	Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £99 per annum, your representative rate is 45.1% APR (variable).	Compare	loading Fetching your data...
Santander World Elite Mastercard		0% for 18 months reverting to 18.9%	0% for 18 months reverting to 3% (min. £5)	0% for 18 months reverting to 18.9%	49.8% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £15 per month, your representative rate is 49.8% APR (variable).	Compare	loading Fetching your data...

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Updated August 25th, 2019

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Name	Product	Purchases	Balance transfers	Annual/monthly fees	Rep. APR		Incentive	Representative example
M&S Bank Shopping Plus Mastercard		0% for 20 months reverting to 19.9%	0% for 20 months reverting to 19.9%	£0	19.9% p.a. (variable)	Go to site More Info	Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.	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).	Compare	loading Fetching your data...
American Express Rewards Purchases Credit Card		0% for 18 months reverting to 22.9%	N/A	£0	22.9% p.a. (variable)	Go to site More Info	Earn 1 Membership Rewards® point for every £1 spent.	Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).	Compare	loading Fetching your data...
M&S Bank Reward Plus Mastercard		0% for 6 months reverting to 19.9%	0% for 6 months reverting to 19.9%	£0	19.9% p.a. (variable)	Go to site More Info	Double points on spend in M&S for first 12 months (2 points per £1). Then earn 1 point for every £1 spent at Marks and Spencer's and 1 point or every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.	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).	Compare	loading Fetching your data...
MBNA 0% Transfer and Purchase Credit Card		0% for 27 months reverting to 20.93%	0% for 27 months reverting to 20.93%	£0	20.9% p.a. (variable)	More Info	Introductory 0% purchase offer only applies to purchases made within 60 days of opening.	Representative example: When you spend £1,200 at a purchase rate of 20.93% (variable) p.a., your representative rate is 20.9% APR (variable).	Compare	loading Fetching your data...
Barclaycard Platinum 27 Month Purchase and Balance Transfer Visa		0% for 27 months reverting to 19.9%	0% for 27 months reverting to 19.9%	£0	19.9% p.a. (variable)	More Info	Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive pre-sale tickets on selected festivals with 10% off ticket prices.	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).	Compare	loading Fetching your data...
Clydesdale Bank Gold Mastercard		0% for 26 months reverting to 18.9%	0% for 12 months reverting to 18.9%	£0	18.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).	Compare	loading Fetching your data...
Tesco Bank Clubcard Credit Card 26 Month for Purchases Mastercard		0% for 26 months reverting to 19.944%	0% for 3 months reverting to 21.814%	£0	19.9% p.a. (variable)	More Info	1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.	Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Santander All in One Credit Card Mastercard		0% for 26 months reverting to 15.9%	0% for 26 months reverting to 15.9%	£3 per month	21.7% p.a. (variable)	More Info	0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.	Representative example: When you spend £1,200 at a purchase rate of 15.9% (variable) p.a. with a fee of £3 per month, your representative rate is 21.7% APR (variable).	Compare	loading Fetching your data...
Yorkshire Bank Gold Mastercard		0% for 26 months reverting to 18.9%	0% for 12 months reverting to 18.9%	£0	18.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).	Compare	loading Fetching your data...
Sainsbury's Bank Dual Offer Credit Card Mastercard		0% for 25 months reverting to 20.95%	0% for 25 months reverting to 20.95%	£0	20.9% p.a. (variable)	More Info	Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Earn 1 Nectar point for every £5 spent elsewhere.	Representative example: When you spend £1,200 at a purchase rate of 20.95% (variable) p.a., your representative rate is 20.9% APR (variable).	Compare	loading Fetching your data...
Bank of Ireland UK Matched Mastercard		0% for 24 months reverting to 19.9%	0% for 24 months reverting to 19.9%	£0	19.9% p.a. (variable)	More Info		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).	Compare	loading Fetching your data...
Sainsbury's Bank Purchase Credit Card Mastercard		0% for 22 months reverting to 20.95%	0% for 3 months reverting to 20.95%	£0	20.9% p.a. (variable)	More Info	Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Earn 1 Nectar point for every £5 spent elsewhere.	Representative example: When you spend £1,200 at a purchase rate of 20.95% (variable) p.a., your representative rate is 20.9% APR (variable).	Compare	loading Fetching your data...
Halifax Online Balance Transfer and Purchase Credit Card Mastercard		0% for 20 months reverting to 19.95%	0% for 20 months reverting to 19.95%	£0	19.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
TSB Platinum 20 Month Purchase Mastercard		0% for 20 months reverting to 19.95%	0% for 20 months reverting to 19.95%	£0	19.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Lloyds Bank Online Platinum 20 Month Purchase and Balance Transfer Mastercard		0% for 20 months reverting to 19.94%	0% for 20 months reverting to 19.94%	£0	19.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 19.94% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Virgin Money 23 Month All Round Credit Card Mastercard		0% for 20 months reverting to 21.9%	0% for 23 months reverting to 21.9%	£0	21.9% p.a. (variable)	More Info	Earn cashback when you shop online with over 500 top brands with Virgin Money Back.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
Bank of Scotland Platinum 20 Month Purchase and Balance Transfer Mastercard		0% for 20 months reverting to 19.95%	0% for 20 months reverting to 19.95%	£0	19.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Virgin Money 20 Month Purchase Credit Card Mastercard		0% for 20 months reverting to 21.9%	0% for 12 months reverting to 21.9%	£0	21.9% p.a. (variable)	More Info	Earn cashback when you shop online with over 500 top brands with Virgin Money Back.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
Virgin Money 20 Month All Round Credit Card Mastercard		0% for 20 months reverting to 23.9%	0% for 20 months reverting to 23.9%	£0	23.9% p.a. (variable)	More Info	Earn cashback when you shop online with over 500 top brands with Virgin Money Back.	Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Compare	loading Fetching your data...
HSBC Purchase Plus Credit Card Visa		0% for 18 months reverting to 22.9%	0% for 18 months reverting to 22.9%	£0	22.9% p.a. (variable)	More Info	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.	Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).	Compare	loading Fetching your data...
Santander World Elite Mastercard		0% for 18 months reverting to 18.9%	0% for 18 months reverting to 18.9%	£15 per month	49.8% p.a. (variable)	More Info	0.5% on £1 to £3000 of monthly spend. Maximum of £15 cashback paid per month. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.	Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £15 per month, your representative rate is 49.8% APR (variable).	Compare	loading Fetching your data...
first direct Gold Card Visa		0% for 17 months reverting to 16.9%	16.9%	£0	16.9% p.a. (variable)	More Info	Earn cashback with selected retailers via Visa Offers, customers can register up to five separate first direct Visa cards.	Representative example: When you spend £1,200 at a purchase rate of 16.9% (variable) p.a., your representative rate is 16.9% APR (variable).	Compare	loading Fetching your data...
Virgin Money 16 Month All Round Credit Card Mastercard		0% for 16 months reverting to 27.9%	0% for 16 months reverting to 27.9%	£0	27.9% p.a. (variable)	More Info	Earn cashback when you shop online with over 500 top brands with Virgin Money Back.	Representative example: When you spend £1,200 at a purchase rate of 27.9% (variable) p.a., your representative rate is 27.9% APR (variable).	Compare	loading Fetching your data...
Tesco Bank 15 Month All Round Clubcard Credit Card Mastercard		0% for 15 months reverting to 19.944%	0% for 15 months reverting to 21.814%	£0	19.9% p.a. (variable)	More Info	1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.	Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Virgin Money 12 Month Travel Credit Card Mastercard		0% for 12 months reverting to 21.9%	0% for 12 months reverting to 21.9%	£0	21.9% p.a. (variable)	More Info	Earn cashback when you shop online with over 500 top brands with Virgin Money Back.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
Nationwide BS Credit Card Visa		0% for 12 months reverting to 17.9%	0% for 12 months reverting to 17.9%	£0	17.9% p.a. (variable)	More Info	Customers will be able to earn commission-free purchases abroad by using their Credit Card each time they make a purchase in Sterling. The calculation will be based on a 5:1 ratio - for example, £5 spent in Sterling will earn an allowance of £1 commission free-purchases abroad. Purchases abroad beyond the earned amount will be charged 2% commission.	Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a., your representative rate is 17.9% APR (variable).	Compare	loading Fetching your data...
Lloyds Bank Online Platinum 24 Month Balance Transfer Mastercard		0% for 12 months reverting to 19.94%	0% for 24 months reverting to 19.94%	£0	19.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 19.94% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Halifax 25 Month Balance Transfer Credit Card Mastercard		0% for 12 months reverting to 19.95%	0% for 25 months reverting to 19.95%	£0	19.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Tesco Bank 12 Month All Round Clubcard Credit Card Mastercard		0% for 12 months reverting to 19.944%	0% for 12 months reverting to 21.814%	£0	19.9% p.a. (variable)	More Info	1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.	Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Bank of Scotland Platinum 24 Month Balance Transfer Mastercard		0% for 12 months reverting to 19.95%	0% for 24 months reverting to 19.95%	£0	19.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Santander Zero Credit Card Mastercard		0% for 12 months reverting to 18.9%	0% for 1 months reverting to 18.9%	£0	18.9% p.a. (variable)	More Info	Retailer offers - 5 Welcome offers of up to 25% cashback at well-known retailers (must switch on Retailer Offers within 60 days of activating card).	Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).	Compare	loading Fetching your data...
Nationwide BS Select Credit Card Visa		0% for 12 months reverting to 15.9%	0% for 12 months reverting to 15.9%	£0	15.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 15.9% (variable) p.a., your representative rate is 15.9% APR (variable).	Compare	loading Fetching your data...
TSB Classic Mastercard		0% for 10 months reverting to 26.95%	0% for 10 months reverting to 26.95%	£0	26.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 26.95% (variable) p.a., your representative rate is 26.9% APR (variable).	Compare	loading Fetching your data...
Bank of Scotland Classic Mastercard		0% for 9 months reverting to 27.95%	0% for 18 months reverting to 27.95%	£0	27.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 27.95% (variable) p.a., your representative rate is 27.9% APR (variable).	Compare	loading Fetching your data...
John Lewis and Waitrose Partnership Mastercard		0% for 9 months reverting to 18.9%	0% for 18 months reverting to 18.9%	£0	18.9% p.a. (variable)	More Info	Earn 1 point for every £1 spent in store or online at John Lewis, Waitrose and John Lewis Insurance. Earn 1 Point for every £2 spent elsewhere. Vouchers issued once customer reaches 500 points in Feb, Jun or Oct when vouchers are automatically issued to customers. Every 500 points is worth £5.	Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).	Compare	loading Fetching your data...
Lloyds Bank (Branch) Classic Mastercard		0% for 9 months reverting to 27.95%	0% for 18 months reverting to 27.95%	£0	27.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 27.95% (variable) p.a., your representative rate is 27.9% APR (variable).	Compare	loading Fetching your data...
HSBC Premier Credit Card Mastercard		0% for 9 months reverting to 18.9%	0% for 18 months reverting to 18.9%	£0	18.9% p.a. (variable)	More Info	A selection of rewards from a range of partners. Earn 1 point for every £1 spent within the UK and earn 2 points for every £1 spent outside the UK. Points can be redeemed for shopping vouchers and frequent flyer miles.	Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).	Compare	loading Fetching your data...
HSBC Rewards Credit Card		0% for 6 months reverting to 21.9%	0% for 6 months reverting to 21.9%	£0	21.9% p.a. (variable)	More Info	Earn 1 point for every £5 spent on purchases. Bonus 2,500 reward points on anniversary if £10,000 spent in previous year for first 5 years.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
Lloyds Bank Online Platinum 20 Month Balance Transfer Mastercard		0% for 6 months reverting to 19.94%	0% for 20 months reverting to 19.94%	£0	19.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 19.94% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Barclaycard Business (Online) Select Credit Card Mastercard		0% for 6 months reverting to 19.9%	N/A	Year 1 - £0, Year 2 onwards - £32 per annum	26.4% p.a. (variable)	More Info	Business Rewards - giving a range of discounts and rebates (up to 66% off AA membership, save 20% on B2B marketing sites and access to 99 UK business credit reports for £75, 5% Avis rebate, 15% off Ryman's stationary, up to 15% off with APH, £60 driving credit and first year membership free with Zipcar, first year of FSB registration free, 20% off bPay by Barclaycard device, up to 15% off ecommerce website with cloudBuy, 5% rebate on online advertising spend with Bing, 10% off selected hotel reservations for business trips with booking.com, 4% rebate at over 5,000 hotels and 10,000 restaurants and 1% rebate at petrol stations at selected locations with the USA and Canada with Mastercard, 3% off business flights with flybmi and 25% off first £200 spend at Amazon Business).	Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £32 per annum, your representative rate is 26.4% APR (variable).	Compare	loading Fetching your data...
Barclaycard Platinum No Fee Balance Transfer Visa		0% for 6 months reverting to 19.9%	0% for 20 months reverting to 19.9%	£0	19.9% p.a. (variable)	More Info	Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive pre-sale tickets on selected festivals with 10% off ticket prices.	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).	Compare	loading Fetching your data...
M&S Bank Transfer Plus Mastercard		0% for 6 months reverting to 19.9%	0% for 28 months reverting to 19.9%	£0	19.9% p.a. (variable)	More Info	Earn 1 point for every £1 spent at Marks and Spencer's and 1 point or every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.	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).	Compare	loading Fetching your data...
Barclaycard Business Premium Plus Credit Card Mastercard		0% for 6 months reverting to 14.9%	N/A	£100 per annum	36.2% p.a. (variable)	More Info	0.5% after £1 of yearly spend. Maximum of £400 cashback paid per year. Cashback paid Anniversary into Card Account.	Representative example: When you spend £1,200 at a purchase rate of 14.9% (variable) p.a. with a fee of £100 per annum, your representative rate is 36.2% APR (variable).	Compare	loading Fetching your data...
Barclaycard Platinum 28 Month Balance Transfer Visa		0% for 6 months reverting to 19.9%	0% for 28 months reverting to 19.9%	£0	19.9% p.a. (variable)	More Info	Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive pre-sale tickets on selected festivals with 10% off ticket prices. Save 5% on food and drink at all UK 02 Academy venues.	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).	Compare	loading Fetching your data...
Bank of Ireland UK Ulster Rugby Affinity Mastercard		0% for 6 months reverting to 17.9%	0% for 6 months reverting to 17.9%	£0	17.9% p.a. (variable)	More Info	A one-off payment to Rugby Club/school of choice plus percentage of annual turnover.	Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a., your representative rate is 17.9% APR (variable).	Compare	loading Fetching your data...
Halifax 20 Month Balance Transfer Credit Card Mastercard		0% for 6 months reverting to 19.95%	0% for 20 months reverting to 19.95%	£0	19.9% p.a. (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...

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Updated August 25th, 2019

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Name	Product	Annual/monthly fees	Min. credit limit	Max credit limit	Min income	Rep. APR		Incentive	Representative example
Vanquis Bank Chrome Credit Card Visa		£0	£250	Subject to status: £1,000	Not specified	24.7%	Go to site More Info	Stay in control of your account with online servicing, a mobile app, SMS and email alerts.	Representative example: When you spend £1,000 at a purchase rate of 24.7% (variable) p.a., your representative rate is 24.7% APR (variable).	Compare	loading Fetching your data...
Tandem Bank Journey Credit Card Mastercard		£0	£500	Subject to status: £1,500	£15,000	24.9%	Go to site More Info	No fees for making purchases or withdrawing cash abroad – currencies are converted at the standard Mastercard exchange rate.	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Compare	loading Fetching your data...
Vanquis Bank Chrome Card 29.3pc Visa		£0	£250	Subject to status: £1,000	Not specified	29.3%	Go to site More Info		Representative example: When you spend £1,000 at a purchase rate of 29.3% (variable) p.a., your representative rate is 29.3% APR (variable).	Compare	loading Fetching your data...
Vanquis Bank Aquis Visa		£0	£250	Subject to status: £1,000	Not specified	29.8%	Go to site More Info	You could get a credit limit increase after your 5th statement and further increases every 5 months, up to £4,000.	Representative example: When you spend £1,000 at a purchase rate of 29.84% (variable) p.a., your representative rate is 29.8% APR (variable).	Compare	loading Fetching your data...
ASDA Money Cashback Start Credit Card Mastercard		£0	£100	Subject to status: £600	£10,000	34.9%	Go to site More Info	Earn Asda vouchers every time you shop - 1% cashback on all Asda spend, 0.2% on all other transactions. Once £2.5 is earnt a voucher can be downloaded to spend in Asda stores.	Representative example: When you spend £1,200 at a purchase rate of 34.9% (variable) p.a., your representative rate is 34.9% APR (variable).	Compare	loading Fetching your data...
Vanquis Bank Visa		£0	£150	Subject to status: £1,000	Not specified	39.9%	Go to site More Info		Representative example: When you spend £1,000 at a purchase rate of 39.94% (variable) p.a., your representative rate is 39.9% APR (variable).	Compare	loading Fetching your data...
TSB Classic Mastercard		£0	£500	Not specified	Not specified	26.9%	More Info		Representative example: When you spend £1,200 at a purchase rate of 26.95% (variable) p.a., your representative rate is 26.9% APR (variable).	Compare	loading Fetching your data...
Tesco Bank Foundation Clubcard Credit Card Mastercard		£0	£250	Subject to status: £1,500	£5,000	27.5%	More Info	Collect 1 Tesco Clubcard point per £4 spent (£4 minimum) in Tesco and 1 Clubcard point per £8 spent (£8 minimum) outside Tesco in each purchase transaction.  Must have available credit to collect Clubcard points. Clubcard points are turned into Clubcard vouchers every 3 months or sooner using Faster Vouchers. Clubcard vouchers can be used in Tesco or with Clubcard Reward Partners to get even more value on dining out, hotel stays and travel.	Representative example: When you spend £1,200 at a purchase rate of 27.542% (variable) p.a., your representative rate is 27.5% APR (variable).	Compare	loading Fetching your data...
Bank of Scotland Classic Mastercard		£0	£0	Not specified	Not specified	27.9%	More Info		Representative example: When you spend £1,200 at a purchase rate of 27.95% (variable) p.a., your representative rate is 27.9% APR (variable).	Compare	loading Fetching your data...
118 118 Money Card Mastercard		£14 per month. Customer with a card credit limit of £1200: £14 per month. Customer with a card credit limit of £225: £8 per month. Customer with a card credit limit of £250: £3 per month	£225	Subject to status: £1,200	£8,400	28.9%	More Info		Representative example: When you spend £1,200 at a purchase rate of 0% (variable) p.a. with a fee of £14 per month. Customer with a card credit limit of £1200: £14 per month. Customer with a card credit limit of £225: £8 per month. Customer with a card credit limit of £250: £3 per month, your representative rate is 28.9% APR (variable).	Compare	loading Fetching your data...
Capital One Classic Platinum Mastercard		£0	£200	Subject to status: £1,500	Not specified	29.8%	More Info		Representative example: When you spend £1,200 at a purchase rate of 29.84% (variable) p.a., your representative rate is 29.8% APR (variable).	Compare	loading Fetching your data...
Fluid Mastercard		£0	£300	Not specified	Not specified	29.9%	More Info		Representative example: When you spend £1,200 at a purchase rate of 29.94% (variable) p.a., your representative rate is 29.9% APR (variable).	Compare	loading Fetching your data...
aqua Advance Mastercard		£0	£250	Not specified	Not specified	34.9%	More Info	Free Credit Checker provided by TransUnion Credit View, customers receive free unlimited access to their credit score and report.	Representative example: When you spend £1,200 at a purchase rate of 34.95% (variable) p.a., your representative rate is 34.9% APR (variable).	Compare	loading Fetching your data...
aqua Reward Mastercard		£0	£250	Not specified	Not specified	34.9%	More Info	0.5% on £1 to £20000 of yearly spend. Maximum of £100 cashback paid per year. Cashback paid Anniversary into Card Account. Maximum spend for cashback purposes is £20000	Representative example: When you spend £1,200 at a purchase rate of 34.95% (variable) p.a., your representative rate is 34.9% APR (variable).	Compare	loading Fetching your data...
Barclaycard Forward Credit Card Visa		£0	£50	Subject to status: £1,200	£3,000	34.9%	More Info	Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive pre-sale tickets on selected festivals with 10% off ticket prices.	Representative example: When you spend £1,200 at a purchase rate of 34.9% (variable) p.a., your representative rate is 34.9% APR (variable).	Compare	loading Fetching your data...
Capital One Classic Mastercard		£0	£200	Subject to status: £1,500	Not specified	34.9%	More Info		Representative example: When you spend £1,200 at a purchase rate of 34.94% (variable) p.a., your representative rate is 34.9% APR (variable).	Compare	loading Fetching your data...
aqua Classic Mastercard		£0	£250	Subject to status: £1,200	Not specified	35.9%	More Info	Free Credit Checker provided by TransUnion Credit View, customers receive free unlimited access to their credit score and report.	Representative example: When you spend £1,200 at a purchase rate of 35.95% (variable) p.a., your representative rate is 35.9% APR (variable).	Compare	loading Fetching your data...
Capital One Luma Mastercard		£0	£200	Subject to status: £1,500	Not specified	35.9%	More Info		Representative example: When you spend £1,200 at a purchase rate of 35.94% (variable) p.a., your representative rate is 35.9% APR (variable).	Compare	loading Fetching your data...
Capital One Luma Purchase Mastercard		£0	£200	Subject to status: £1,500	Not specified	35.9%	More Info		Representative example: When you spend £1,200 at a purchase rate of 35.94% (variable) p.a., your representative rate is 35.9% APR (variable).	Compare	loading Fetching your data...
Ocean Credit Card Mastercard		£0	£200	Subject to status: £1,500	Not specified	39.9%	More Info		Representative example: When you spend £1,200 at a purchase rate of 39.94% (variable) p.a., your representative rate is 39.9% APR (variable).	Compare	loading Fetching your data...
thinkmoney Credit Card Mastercard		£0	£200	Subject to status: £1,500	Not specified	39.9%	More Info		Representative example: When you spend £1,200 at a purchase rate of 39.94% (variable) p.a., your representative rate is 39.9% APR (variable).	Compare	loading Fetching your data...
Opus Mastercard		£0	£250	Subject to status: £1,200	Not specified	39.9%	More Info		Representative example: When you spend £1,200 at a purchase rate of 39.95% (variable) p.a., your representative rate is 39.9% APR (variable).	Compare	loading Fetching your data...
aqua Start Mastercard		£0	£100	Subject to status: £300	Not specified	49.9%	More Info	Free Credit Checker provided by TransUnion Credit View, customers receive free unlimited access to their credit score and report.	Representative example: When you spend £1,200 at a purchase rate of 49.94% (variable) p.a., your representative rate is 49.9% APR (variable).	Compare	loading Fetching your data...
Vanquis Bank Origin Credit Card Visa		£0	£150	Subject to status: £1,000	Not specified	59.9%	More Info		Representative example: When you spend £250 at a purchase rate of 59.94% (variable) p.a., your representative rate is 59.9% APR (variable).	Compare	loading Fetching your data...

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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 use my NatWest credit card abroad?

  Part of the Visa and MasterCard networks your NatWest credit card will be accepted at millions of retailers and ATM’s across the world. Just look out for the Visa and MasterCard logos when you want to use your card.

  Before you use your card abroad, remember that you may be charged foreign transaction fees – check your terms before you spend. It’s also important to remember that the Payment Scheme Exchange Rates set by Visa and MasterCard do fluctuate.

• 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 £30 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

The NatWest Balance Transfer Credit Card (existing customers)

Balance transfers:

0% for 23 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).

Go to siteMore info

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).

Go to siteMore info

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).

Go to siteMore info

The Royal Bank Balance Transfer Credit Card (existing customers)

Balance transfers:

0% for 23 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).

Go to siteMore info

Chris Lilly

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Chris Lilly is a publisher at finder.com. He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.