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. Most of the data in Finder's comparison tables is provided by Moneyfacts.
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.”
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 support
NatWest’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 stolen
You 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 29 months
0% purchases offer
Up to 20 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
The eligibility check is there to help you see if you’ll be able to take out any of NatWest’s credit cards. Unlike the full application check, this won’t affect your credit rating. Remember that passing the eligibility check does not guarantee you’ll be able to secure a credit card.
Yes, there are 3 ways you can manage your account: through the mobile app, online and over the phone.
Contactless is a fast, easy and secure way to pay for goods and services under £45 without entering a PIN. To make a payment, all you have to do is follow the instructions on the terminal and place your contactless card over the contactless reader.
Your credit card may have different rates of interest for purchases, balance transfers and cash withdrawals. You’ll find details of your specific interest rates in your terms and conditions.
Interest is calculated as a percentage of the amount you borrow. The longer it takes you to pay off your balance, the more interest you will have to pay.
As well as proof of ID, you will need to provide the following details during your application.
Your address(es) for the last 3 years
Your bank account details
Your income and employment details
Details of any cards you wish to transfer a balance from
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.
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. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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
Chris's expertise
Chris has written 609 Finder guides across topics including:
The NatWest Reward Black Credit Card has no overseas transaction fees and also earns points that can be exchanged for cash, vouchers or charitable donations.
Enjoy low ongoing interest rates and no annual fees or foreign transaction fees with this straightforward NatWest credit card.
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Finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which Finder receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. Finder compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
