NatWest

Compare NatWest credit cards

Get the latest APRs on NatWest's range of cards, including platinum and reward credit cards. Rates starting from 12.9% to 40.7%.

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Compare NatWest credit cards

Table: sorted by representative APR, promoted deals first
1 - 6 of 6
Name Product Rating Finder score Purchases Balance transfers Annual/monthly fees Representative APR Incentive Link
NatWest Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
12.9%
12.9%
(0% fee)
£0
12.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).
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NatWest Purchase & Balance Transfer Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
0% for 19 months reverting to 24.9%
0% for 19 months
(2.99% fee)
£0
24.9% APR (variable)
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).
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NatWest Balance Transfer Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
0% for 3 months reverting to 24.9%
0% for 13 months
(0% fee)
£0
24.9% APR (variable)
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).
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NatWest Longer Balance Transfer Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
0% for 3 months reverting to 24.9%
0% for 23 months
(3.49% fee)
£0
24.9% APR (variable)
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).
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NatWest Reward Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
25.9%
25.9%
(0% fee)
£24 per annum. Reward Current Account holders: £0 per annum
31% APR (variable)
You'll earn 1% back at supermarkets and 0.25% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back.
Representative example: When you spend £1,200 at a purchase rate of 25.9% (variable) p.a. with a fee of £24 per annum. Reward Current Account holders: £0 per annum, your representative rate is 31% APR (variable).
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NatWest Reward Black Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
21.9%
21.9%
(0% fee)
£84 per annum. Reward Black Current Account holders: Year 2 onwards - £0 per annum
40.7% APR (variable)
You'll earn 1% back at supermarkets and 0.5% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: Year 2 onwards - £0 per annum, your representative rate is 40.7% APR (variable).
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Approval for any credit card depends on your status. The representative APRs shown represent 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 is NatWest?

NatWest’s range of cards is relatively small but it covers most circumstances. Unlike with some big high-street banks, you don’t need to be an existing customer to be eligible.

NatWest credit cards are part of the Mastercard network and are accepted in more than 35 million locations worldwide.

What types of credit cards are available from NatWest?

  • Rewards. NatWest’s Reward credit cards let you earn points on your day-to-day spending. Learn more about 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. Learn more about Credit cards for overseas spending

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. It places a number of security measures to stop you from becoming a victim of fraud. It has committed to refunding any money paid out of your account as a result of fraud, monitoring your account 24/7 for fraudulent behaviour and ensuring you have the tools and tips 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. It suits those who 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.”

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 an APR?

This annual percentage rate (APR) is a standardised figure providing 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 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. This checks 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.

Cost of living support

NatWest are currently waiving late/missed payment fees, overlimit fees and returned payment fees to support customers through the cost of living. Fees will be waived until the end of 2023. However, it’s still important to keep payments on time and stay within your credit limit, or you risk harming your credit score. Learn more about how missed card payments can affect your credit score.

How to apply for a NatWest credit card

The easiest way to apply for a NatWest credit card is online. NatWest provides an online eligibility checker to help you quickly see if you’re likely 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 is 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 county court judgement (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 to ask for a credit report.

NatWest customer reviews

NatWest scored highly in our 2024 customer satisfaction survey, with 93% of its credit card customers saying that they would recommend the brand to a friend. Several customers in our survey said that they found the provider to be “reliable” as well as having good service. One customer also commented that their credit card “was easy to set up and had 0% interest for the first 3 months”.

On Trustpilot, NatWest as a whole received a score of 1.4 out of 5, as many customers cited poor online experiences and communcation issues (updated February 2024).

Contact NatWest customer support

Live chat supportNatWest’s Cora is an digital chatbox available through the NatWest app. Cora is available 24/7 and if she cannot help answer your query, she’ll pass you onto the customer service team.
Report card lost or stolenYou can report a lost or stolen card by ringing 01534 282088. Lines are open between Monday and Tuesday 9am – 5pm, Wednesday 10am – 5pm and Thursday to Friday 9am – 5pm (except public holidays).

Overview of NatWest credit cards

Representative APR From 12.9% to 40.7%
0% balance transfer offer Up to 23 months
0% purchases offer Up to 19 months
0% money transfer offer No money transfer offer available
Cashback with brand Up to 1%
Cashback elsewhere Up to 0.5%
Cash advance From 26.9%
Introductory bonus offer No introductory bonus offers available

Frequently asked questions

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Finder credit card ratings

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.

To find out more, read our full methodology.

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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