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RBS is part of the Royal Bank of Scotland Group which also owns NatWest and Ulster Bank – don’t be surprised if, when you’re comparing credit cards, the RBS, NatWest and Ulster Bank products seem eerily similar.
RBS credit cards use the Mastercard network, so they can be used at more than 35 million merchants and ATMs worldwide.
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.
Yes. RBS credit cards are all Mastercards so acceptance won’t be an issue. Bear in mind that with some RBS 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 an RBS 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.
Yes. Like most card issuers, RBS 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 apply, then there will be a “hard search” of your credit file at that point (which has a slight negative impact on your score).
RBS offers four different credit cards, designed so that whatever your needs are, you’ll find a competitive option with RBS.
RBS 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.
It’s quick, easy and secure to apply for an RBS credit card online, and the process takes about 15 minutes.
General requirements for an RBS credit card are:
You should ensure that you can meet the monthly repayments, as missed payments incur a charge, adversely affect your credit history and could hinder your ability to obtain credit in the future.
If you meet the broad criteria outlined above, but have a history of bad debt or no credit history, you could be rejected. If you have been made the subject of a CCJ you may not be accepted. You’re also unlikely to be offered a card if you have declared bankruptcy.
Depending on your own circumstances, you’ll have four different types of RBS cards to choose from including balanced, rewards, premium and student cards.
Once you’ve compared your options above and want to know if you’re likely to be approved, RBS offers a quick search tool that won’t affect your credit rating.
Bear in mind that if you’ve been declared bankrupt or have a county court judgement against your name, it’s unlikely that you’ll be successful.
Do your homework to ensure you find the right credit card for your needs.
|Live chat support||RBS’ Cora is an digital chatbox available through the RBS app. Cora is available 24/7 and if she cannot help answer your query, she’ll pass you onto the customer service team.|
|Representative APR||From 12.9% to 40.7%|
|0% balance transfer offer||Up to 23 months|
|0% purchases offer||Up to 17 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|
With one of the most generous 0% transfer periods on the market, the RBS Longer Balance Transfer card does exactly what it says on the tin.
If you already bank with RBS but have card debt elsewhere, this deal lets you transfer the balance to RBS and enjoy a long interest-free period.
Compare credit cards that earn RBS MyRewards points. Find out how to earn and redeem points and the pros and cons of this reward scheme.
Enjoy low ongoing interest rates and no annual fees or foreign transaction fees with this straightforward RBS card.
The Reward Black Card offers fee-free overseas spending and earns points that can be exchanged for cash, vouchers or charitable donations.
Find out where you’ll earn cashback and how much you could pocket with this rewards card rom RBS.
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