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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

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Name	Product	Finder score	Purchases	Balance transfers	Annual/monthly fees	Representative APR	Incentive	Link
The Royal Bank Credit Card The Royal Bank Credit Card		4.5 ★★★★★	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).	Go to site Read review	Compare	loading Fetching your data...
Royal Bank of Scotland Balance Transfer Credit Card Royal Bank of Scotland Balance Transfer Credit Card		3.5 ★★★★★	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).	Go to site Read review	Compare	loading Fetching your data...
Royal Bank of Scotland Purchase & Balance Transfer Credit Card Royal Bank of Scotland Purchase & Balance Transfer Credit Card		4.0 ★★★★★	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).	Go to site Read review	Compare	loading Fetching your data...
Royal Bank of Scotland Longer Balance Transfer Credit Card Royal Bank of Scotland Longer Balance Transfer Credit Card		3.5 ★★★★★	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).	Go to site Read review	Compare	loading Fetching your data...
Royal Bank of Scotland Reward Credit Card Royal Bank of Scotland Reward Credit Card		3.5 ★★★★★	25.9%	25.9% (0% fee)	£24 per annum. Reward Current Account holders: £0 per annum	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: 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).	Go to site Read review	Compare	loading Fetching your data...
Royal Bank of Scotland Reward Black Credit Card Royal Bank of Scotland Reward Black Credit Card		4.0 ★★★★★	21.9%	21.9% (0% fee)	£84 per annum. Reward Black Current Account holders: £0 per annum	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: 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: £0 per annum, your representative rate is 40.7% APR (variable).	Go to site Read review	Compare	loading Fetching your data...

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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.

Cost of living support

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.

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.

Customer reviews

In our 2024 customer satisfaction survey, 89% of RBS credit card customers said they would recommend it to a friend. Many customers stated that the provider was reliable and provided good interest rates. One survey respondent said: “I’ve never had an issue with this credit card. RBS give me great interest rate options, and I can access my card from my RBS app and manage it from there.”

However, on Trustpilot, the bank as a whole received a score of only 1.3 out of 5, with reviewers citing their poor experiences of customer service (updated February 2024).

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.