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.
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.
NatWest offer many benefits for credit card customers. Here are some of the highlights:
The web and app are easy to use, and seem to work in real-time too.”
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.
This annual percentage rate is a standardised figure designed to provide 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, however, 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.
Yes. Like most card issuers, NatWest offers a “soft search” facility, which can check 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).
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.
To have your application for a credit card considered you must meet the following criteria:
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.
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