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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.

Compare RBS credit cards

9 of 9 results

Updated daily

Finder Score	Purchases	Balance transfers	Annual/monthly fees	Representative APR	Key benefit	Representative example
Not yet rated Royal Bank of Scotland Reward Credit Card (Reward AC) Existing Customers Only	Not yet rated	25.9%	25.9%	£0	31% APR (variable)	Representative example: Representative 31% APR variable. Based on assumed borrowing of £1,200. Rate of interest 25.9% p.a. (variable).	Check View details Compare product selection Compare	loading
Not yet rated Royal Bank of Scotland Credit Builder Card Existing Customers Only	Not yet rated	34.9%	34.9%	£0	34.9% APR (variable)	Representative example: Representative 34.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 34.9% p.a. (variable).	Check View details Compare product selection Compare	loading
Not yet rated Royal Bank of Scotland Reward Black Credit Card (Black AC) Existing Customers Only	Not yet rated	21.9%	21.9%	£0	40.7% APR (variable)	Representative example: Representative 40.7% APR variable. Based on assumed borrowing of £1,200. Rate of interest 21.9% p.a. (variable).	Check View details Compare product selection Compare	loading
6.2Standard Royal Bank of Scotland Credit Card	6.2Standard	12.9%	12.9%	£0	12.9% APR (variable)	Representative example: Representative 12.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 12.9% p.a. (variable).	Continue View details Compare product selection Compare	loading
7Great Royal Bank of Scotland Balance Transfer Credit Card	7Great	0% for 3 months	0% for 11 months (0% fee)	£0	24.9% APR (variable)	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	Continue View details Compare product selection Compare	loading
6.8Standard Royal Bank of Scotland Purchase and Balance Transfer Card	6.8Standard	0% for 23 months	0% for 21 months (3.49% fee)	£0	24.9% APR (variable)	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	Continue View details Compare product selection Compare	loading
8.9Great Royal Bank of Scotland Longer Balance Transfer Credit Card	8.9Great	0% for 3 months	0% for 36 months (3.1% fee)	£0	24.9% APR (variable)	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	Continue View details Compare product selection Compare	loading
6.5Standard Royal Bank of Scotland Reward Credit Card	6.5Standard	25.9%	25.9%	£24 per year	31% APR (variable)	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: Representative 31% APR variable. Based on £24 annual fee, assumed borrowing of £1,200. Rate of interest 25.9% p.a. (variable).	Continue View details Compare product selection Compare	loading
9.4Excellent Royal Bank of Scotland Reward Black Credit Card	9.4Excellent	21.9%	21.9%	£84 per year	40.7% APR (variable)	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: Representative 40.7% APR variable. Based on £84 annual fee, assumed borrowing of £1,200. Rate of interest 21.9% p.a. (variable).	Continue View details Compare product selection Compare	loading

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How we picked these

Finder Score for credit cards

To make comparing even easier we came up with the Finder Score. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card – simple.

Read the full methodology

What types of cards does RBS offer?

RBS offers four different credit cards, designed so that whatever your needs are, you’ll find a competitive option with RBS.

• Balanced cards. Designed to be straightforward but versatile, “balanced” cards usually offer a single low rate on purchases and balance transfers. So, if you hold a balance on another card with a high rate of interest, you can bring it across to this card and enjoy a low rate on the existing debt, and also on future purchases. Unlike the headline-grabbing cards of its rivals, which offer a rate of 0% for a set number of months after which a much higher rate kicks in, RBS’s card offers a low rate, indefinitely (although it’s not fixed). Learn more about low rate cards.
• Rewards cards. Built to reward you while you shop at selected locations, the Rewards Credit Card might be particularly interesting to those who don’t plan to bring an existing balance across to a new card. If you have a Reward current account you won’t pay an annual fee on this card. Learn more about RBS credit card rewards.
• Premium cards. “Gold”, “black” or “platinum” cards are a bank’s premium option, typically boasting superior service, perks and the opportunity to earn rewards as you spend. Learn more about gold, platinum and black cards.
• Student cards. Designed for those who have a limited credit history and a limited income. Don’t expect a huge credit limit with this option, but on the flip side you won’t be expected to pay an annual fee. Learn more about student credit cards.

What benefits can I expect from an RBS credit card?

• It’s accepted widely. RBS credit cards are issued by Mastercard, one of the biggest credit card providers in the world.
• Customer services phone line staffed seven days a week. You can contact Co-op Bank to carry out a range of transactions or make changes to the details on your credit card account between 8am and 8pm, 7 days a week, 365 days a year.
• Additional card holders. You can nominate an additional card holder using your usual online account-handling system, provided they are over 18 years old and a UK resident.
• Fraud text alerts. A text-only phone number will send an SMS to your mobile if the card issuer notices any activity on your card which it thinks might be suspicious.

It’s 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.

Applying for an RBS credit card

It’s quick, easy and secure to apply for an RBS credit card online, and the process takes about 15 minutes.

Eligibility requirements

General requirements for an RBS credit card are:

• You must be a UK resident
• You should be aged 18 or over
• You need to be earning £10k-plus a year

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.

Why might my application not be approved?

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.

What do customers say about RBS?

87% of customers we surveyed in 2026 would recommend RBS to a friend.

It offers a reliable, low-stress credit card experience with an excellent app for tracking purchases and payments. Customers appreciate the responsible approach to credit limits, the robust fraud protection, and the good transfer rates available.

However, while some users enjoy high credit limits and cashback, others note that the standard interest rates are too high and the card lacks exciting everyday rewards.

AI-generated summary from the text of customer reviews on Finder.

Our verdict

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.

Contact RBS’ customer support

Overview of Royal Bank of Scotland credit cards

Frequently asked questions

• Can I check whether I might be eligible for an RBS credit card without it affecting my credit rating?

  As part of the pre-application process, RBS uses a credit search facility which leaves a search “footprint” on your credit record but does not change your credit score.

• How can I avoid the risk of being hit with a late payment fee by RBS?

  By setting up a monthly direct debit from your bank account to pay at least the minimum balance required, you will be sure that your monthly payment is always made on time.

• What is the ‘representative APR’?

  This figure is designed to provide an annual summary, taking into account both interest and any mandatory charges to be paid (for example an annual fee). All lenders must calculate the APR of their products in the same way, and must tell you the APR before you sign an agreement, so for consumers, it can be a handy tool for comparison. Bear in mind, however, that lenders are only obliged to award this rate to 51% of their customers – the other 49% could pay more. That’s why it’s often referred to as the representative APR.

• I have an RBS Mastercard credit card, how can I access Priceless Cities?

  All Mastercard credit cardholders are entitled to use their Priceless Cities rewards programme which offers access to exclusive experiences and discounts.

Written by

Chris Lilly

Head of publishing

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Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio

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Chris has written 502 Finder guides across topics including:

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