Compare NatWest credit cards for October 2020

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

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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.

Find the right card for you

See if you’ll be accepted for a range of cards before applying, without harming your credit score.

Compare NatWest credit cards

Table: sorted by representative APR, promoted deals first
Data indicated here is updated daily
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).
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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).
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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).
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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
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).
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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).
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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 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.

The web and app are easy to use, and seem to work in real-time too.”

NatWest customer in Finder's 2020 survey

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 APR?

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.

Can I check my eligibility without affecting my credit score?

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).

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?

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See if you’ll be accepted for a range of cards before applying, without harming your credit score.

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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