NatWest credit cards

Compare the range of NatWest credit cards available to find the right fit for your finances

  • Find cards you may be eligible for with our handy smart search tool
  • Avoid interest payments by paying off your balance in full each month
  • Missing a payment could cause your interest-free period to end prematurely

Who underwrites NatWest credit cards?

NatWest was acquired by Royal Bank of Scotland (RBS) in 2000. It’s known as the NatWest group along with its other acquisitions.

NatWest credit cards are owned by the NatWest group and its cards are underwritten by RBS.

How does it compare to other providers?

NatWest offers five different types of credit card.

As of 1 May 2022, its balance transfer card, as well as its purchase and balance transfer card have a four-star rating from Defaqto.

The NatWest Credit Card was scored five stars by Moneyfacts in 2022.

You can use the NatWest mobile app to access a number of features easily, including locking your credit card, setting a budget, checking your credit score and registering any travel plans so that your activity isn’t flagged as suspicious.

All NatWest credit cards can be used worldwide wherever Mastercard is accepted.

Occasionally it will run cashback offers. Look out for these but it shouldn’t be the reason why you take out a credit card.

Will comparing affect my credit rating?

No, comparing credit cards won’t affect your credit rating and it’s really useful for finding out how NatWest credit cards stack up against the competition.

However, if you apply for a credit card and get rejected, this will affect your credit score. Luckily, you can use our smart search to see which credit cards you’re more likely to be accepted for before you apply. This will help minimise the risk of being rejected.

What types of credit cards do NatWest offer?

NatWest offers a range of credit cards, so you can choose the right one for you depending on your needs and circumstances.

Balance transfer cards

This type of card enables you to move your existing debt onto it from another credit card. They often have a long 0% interest period on balance transfers, giving you more time to pay it off without building up a load more debt.

To take advantage of the 0% introductory period, you’ll need to transfer your debt onto the card within a specific timeframe.

You may have to pay a fee when you move your debt depending on the card, this will be a percentage of the amount you’re transferring. Also, it’s worth noting that you’ll only be able to transfer up to 95% of your credit limit and the minimum transfer amount is £100.

It’s possible to get a NatWest credit card that offers 0% interest on both balance transfers and purchases for an introductory period. This could be useful if you’re looking for a multi-purpose card.

Purchase credit cards

If you’re looking to spread the cost of your spending, then a purchase credit card could be the right option for you.

You’ll have either a 0% introductory period or a low interest rate on spending, so it could help you chip away at a large purchase little by little.

Remember that when an introductory period finishes, you’ll be moved to the standard interest rate. So, make sure you pay off the full amount before this happens.

Travel credit cards

NatWest doesn’t currently have a dedicated travel credit card, however it does offer rewards and purchase cards with no foreign transaction fees on spending.

It’s important to check the terms and conditions carefully before packing a credit card for your next holiday to see exactly what you’ll be charged for. Remember to let NatWest know before you jet off, so your activity isn’t flagged as fraudulent.

Rewards credit cards

A NatWest rewards credit card lets you earn a percentage back on your supermarket spend (as well as at the supermarket’s petrol stations) and at certain retailers.

You’ll be charged an annual fee, which will depend on the type of card you choose. However, if you have a Reward current account with NatWest already, this will be refunded.

It’s important to pay off your balance in full each month with a rewards credit card, otherwise the interest charged may wipe out what you earn.

How do I apply for a NatWest credit card?

You can apply for a credit card when you compare with us, or via the NatWest website. Alternatively, you can apply through the NatWest app or in your local branch.

To be approved, you’ll need to fulfil certain eligibility criteria. This includes:

  • Already having a mortgage, credit card, current or savings account with NatWest
  • You must earn over £10,000 per year
  • Must be a UK resident
  • Aged over 18

As with all credit cards, it’s important to pay off as much of the balance each month as your finances will allow, ideally the full amount. If you default or make any late payments, you risk being charged and losing any introductory period offer you have.

It’s important to contact NatWest if you’re struggling to make your repayments, as you may be able to figure out a payment plan that’s easier on your finances.

Who can I balance transfer to NatWest from?

It’s only possible to complete a balance transfer from a card that hasn’t been issued by a bank or building society that’s a part of the NatWest group.

Royal Bank of Scotland, Ulster Bank, Coutts and Isle of Man bank are all part of the group, so you can’t transfer debt to a NatWest credit card from them. You can read the full list of NatWest group members here.