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10 of 10 results

Updated dailyShare

Finder Score	Purchases	Balance transfers	Annual/monthly fees	Representative APR	Key benefit	Representative example
Finder score 6.2Standard NatWest Credit Card	Finder score 6.2Standard	12.9%	12.9% (0% fee)	£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).	More info Compare product selection Compare	loading
Finder score 6.8Standard NatWest Purchase and Balance Transfer Card	Finder score 6.8Standard	0% for 20 months	0% for 18 months (2.99% 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).	More info Compare product selection Compare	loading
Finder score 7Great NatWest Balance Transfer Credit Card	Finder score 7Great	0% for 3 months	0% for 12 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).	More info Compare product selection Compare	loading
Finder score 8.9Great NatWest Longer Balance Transfer Credit Card	Finder score 8.9Great	0% for 3 months	0% for 34 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).	More info Compare product selection Compare	loading
Finder score 9.4Excellent NatWest Travel Reward Credit Card	Finder score 9.4Excellent	27.9%	27.9% (0% fee)	£0	27.9% APR (variable)	Earn 1% in Rewards on eligible travel spending and up to 15% on monthly offers from chosen partner retailers. Earn 0.1% everywhere else. Rewards can be converted into money and transferred to a current account, exchanged for e-codes with some retailers worth more than the cash or converted into money and donated to one of the RBS Group chosen charities.	Representative example: Representative 27.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 27.9% p.a. (variable).	More info Compare product selection Compare	loading
Finder score 6.3Standard NatWest Reward Credit Card	Finder score 6.3Standard	25.9%	25.9% (0% fee)	£24 per year	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: Representative 31% APR variable. Based on £24 annual fee, assumed borrowing of £1,200. Rate of interest 25.9% p.a. (variable).	More info Compare product selection Compare	loading
Finder score Not yet rated NatWest Reward Credit Card (Reward AC) Existing Customers Only	Finder score Not yet rated	25.9%	25.9% (0% fee)	£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).	More info Compare product selection Compare	loading
Finder score Not yet rated NatWest Credit Builder Card Existing Customers Only	Finder score Not yet rated	34.9%	34.9% (0% fee)	£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).	More info Compare product selection Compare	loading
Finder score Not yet rated NatWest Reward Black Credit Card (Black AC) Existing Customers Only	Finder score Not yet rated	21.9%	21.9% (0% fee)	£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).	More info Compare product selection Compare	loading
Finder score 9.4Excellent NatWest Reward Black Credit Card	Finder score 9.4Excellent	21.9%	21.9% (0% fee)	£84 per year	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: Representative 40.7% APR variable. Based on £84 annual fee, assumed borrowing of £1,200. Rate of interest 21.9% p.a. (variable).	More info Compare product selection Compare	loading

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Showing 10 of 10 results

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

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 for most of its cards.

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.

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 and Finder Awards

Our Finder Awards celebrate brands that truly stand out in their field, creating innovative personal finance products and providing outstanding service to their customers. NatWest is one of these brands and was named our 2025 Travel Credit Card Provider of the Year Award winner!

NatWest customer reviews

NatWest scored highly in our 2025 customer satisfaction survey, with 83% of its credit card customers saying that they would recommend the brand to a friend. Customers in our survey said that they found the provider to be “reliable” as well as having a good rewards programme.

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

Overview of NatWest credit cards

Frequently asked questions

• What's the difference between an eligibility check and a full credit card application?

  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.

• Can I manage my account online and over the phone?

  Yes, there are 3 ways you can manage your account: through the mobile app, online and over the phone.

• What is contactless payment?

  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.

• How is interest calculated?

  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.

• What details will I need to provide?

  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

Got a NatWest card but want to cancel it?

Written by

Chris Lilly

Head of publishing

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 538 Finder guides across topics including:

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