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NatWest Credit Cards

7 CARDS

NatWest, a top UK bank, offers a variety of credit cards tailored to different financial needs, including options for balance transfers and rewards. It provides account management through its mobile app and online banking platform, making it easy for customers to stay on top of their finances.

NatWest Bank

Balance Transfer

3.5

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

0% for up to 3 months, then 24.90% (variable) p.a.

Balance Transfers

0% for 12 months, then 24.90% (variable) p.a. (no fee)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 24.90% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

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3.5

OUR RATING

Quick Look

The NatWest Balance Transfer credit card offers up to 12 months of 0% interest on balance transfers, with no balance transfer fees. It may suit individuals looking to manage or repay existing credit card debt without incurring additional costs.

Issuer	NatWest Bank
Network	Mastercard
Primary Category	Balance Transfer
Loyalty Scheme
Incentive on opening	0% for 12 months and no fee for balance transfers
Cashback rate (if applicable)	No cashback scheme
Account Fees	£0
Purchases	0% for up to 3 months, then 24.90% (variable) p.a.
Purchases Interest Free Period	56 days
Balance Transfers	0% for 12 months, then 24.90% (variable) p.a. (no fee)
Balance Transfer Fee (%)	0.00%
Cash Advances	26.90% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 250.00
Maximum Credit Limit	Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

NatWest Bank

Longer Balance Transfer

4.5

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

0% for up to 3 months, then 24.90% (variable) p.a.

Balance Transfers

0% for 34 months, then 24.90% (variable) p.a. (3.49% fee)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 24.90% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

Read Full Review

4.5

OUR RATING

Quick Look

The NatWest Longer Balance Transfer credit card offers up to 34 months of 0% interest on balance transfers, with no annual fees. It’s one of the longest balance transfer offers currently available, making it a suitable option for those looking to spread repayments over an extended period without paying interest.

Issuer	NatWest Bank
Network	Mastercard
Primary Category	Balance Transfer
Loyalty Scheme
Incentive on opening	0% interest for 34 months on balance transfers
Cashback rate (if applicable)	No cashback scheme
Account Fees	£0
Purchases	0% for up to 3 months, then 24.90% (variable) p.a.
Purchases Interest Free Period	56 days
Balance Transfers	0% for 34 months, then 24.90% (variable) p.a. (3.49% fee)
Balance Transfer Fee (%)	3.49%
Cash Advances	26.90% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 250.00
Maximum Credit Limit	Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

NatWest Bank

Purchase & Balance Transfer

4.1

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

0% for up to 20 months, then 24.90% (variable) p.a.

Balance Transfers

0% for 18 months, then 24.90% (variable) p.a. (2.99% fee)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 24.90% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

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4.1

OUR RATING

Quick Look

The NatWest Purchase & Balance Transfer credit card offers up to 20 months of 0% interest on purchases and up to 18 months on balance transfers. It provides flexible options for managing both new spending and existing debt without interest during the promotional periods.

Issuer	NatWest Bank
Network	Mastercard
Primary Category	Purchases
Loyalty Scheme
Incentive on opening	Long 0% interest on purchases and balance transfers.
Cashback rate (if applicable)	No cashback scheme
Account Fees	£0
Purchases	0% for up to 20 months, then 24.90% (variable) p.a.
Purchases Interest Free Period	56 days
Balance Transfers	0% for 18 months, then 24.90% (variable) p.a. (2.99% fee)
Balance Transfer Fee (%)	2.99%
Cash Advances	26.90% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 250.00
Maximum Credit Limit	Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

NatWest Bank

Reward Black

3.6

OUR RATING

Representative APR

40.7% APR (variable)

Purchases

21.90% (variable) p.a.

Balance Transfers

21.90% (variable) p.a. (no fee)

Account Fees

£84 p.a. Reward Current Account holders: £0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 21.90% (variable) p.a., with a fee of £84 per annum, most accepted customers get a rate of 40.7% APR (variable).

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3.6

OUR RATING

Quick Look

The NatWest Reward Black credit card usually has an £84 annual fee but is free (£0 per annum) for NatWest Reward current account holders. It offers cashback incentives and no fees on foreign transactions, making it a good choice for both everyday spending and purchases abroad.

Issuer	NatWest Bank
Network	Mastercard
Primary Category	Rewards
Loyalty Scheme	Cashback
Incentive on opening	Reward Current Account holders: £0 per annum.
Cashback rate (if applicable)	You'll get 1% back at supermarkets and 0.5% back everywhere else. Once your balance has grown to at least £5, you will get the choice to bank them, trade them or donate them to one of the chosen charities.
Account Fees	£84 p.a. Reward Current Account holders: £0
Purchases	21.90% (variable) p.a.
Purchases Interest Free Period	56 days
Balance Transfers	21.90% (variable) p.a. (no fee)
Balance Transfer Fee (%)	0.00%
Cash Advances	26.90% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 5,000.00
Maximum Credit Limit	Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

NatWest Bank

Reward Credit Card

3.7

OUR RATING

Representative APR

31.0% APR (variable)

Purchases

25.90% (variable) p.a.

Balance Transfers

25.90% (variable) p.a. (no fee)

Account Fees

£24 p.a; £0 for Reward Current Account holders.

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 25.90% (variable) p.a., with a fee of £24 per annum, most accepted customers get a rate of 31.0% APR (variable).

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3.7

OUR RATING

Quick Look

The NatWest Reward credit card is free for NatWest Reward current account holders. It offers cashback incentives, providing value for everyday spending without an annual fee for eligible customers.

Issuer	NatWest Bank
Network	Mastercard
Primary Category	Rewards
Loyalty Scheme	Cashback
Incentive on opening	Reward Current Account holders: £0 per annum.
Cashback rate (if applicable)	You get 1% back at supermarkets. 1-15% back at chosen retailers. 0.25% back everywhere else, including supermarket petrol stations.
Account Fees	£24 p.a; £0 for Reward Current Account holders.
Purchases	25.90% (variable) p.a.
Purchases Interest Free Period	56 days
Balance Transfers	25.90% (variable) p.a. (no fee)
Balance Transfer Fee (%)	0.00%
Cash Advances	26.90% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 250.00
Maximum Credit Limit	Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

NatWest Bank

Credit Card

4.5

OUR RATING

Representative APR

12.9% APR (variable)

Purchases

12.90% (variable) p.a.

Balance Transfers

12.90% (variable) p.a. (no fee)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 12.90% (variable) p.a., most accepted customers get a rate of 12.9% APR (variable).

Read Full Review

4.5

OUR RATING

Quick Look

The NatWest credit card offers a low interest rate with no annual fees. It is suitable for individuals seeking a straightforward credit card option to manage their spending cost effectively.

Issuer	NatWest Bank
Network	Mastercard
Primary Category	Purchases
Loyalty Scheme
Incentive on opening	No annual fees
Cashback rate (if applicable)	No cashback scheme
Account Fees	£0
Purchases	12.90% (variable) p.a.
Purchases Interest Free Period	56 days
Balance Transfers	12.90% (variable) p.a. (no fee)
Balance Transfer Fee (%)	0.00%
Cash Advances	26.90% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 250.00
Maximum Credit Limit	Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

NatWest Bank

Travel Rewards Credit Card

4.4

OUR RATING

Representative APR

27.9% APR (variable)

Purchases

24.90% (variable) p.a.

Balance Transfers

24.90% (variable) p.a.

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 27.9% (variable) p.a., most accepted customers get a rate of 27.9% APR (variable).

Read Full Review

4.4

OUR RATING

Quick Look

The NatWest Travel Rewards credit card offers no fees on foreign transactions, making it a strong option for those seeking a travel-friendly credit card. Cardholders can choose between two different cashback schemes, allowing flexibility in how they earn rewards; your rewards, your choice.

Issuer	NatWest Bank
Network	Visa
Primary Category	Rewards
Loyalty Scheme	none
Incentive on opening	A Travel Rewards Credit Card - no fees on transactions abroad whilst earning cashback.
Cashback rate (if applicable)	Options to choose from vary from: 1% back on eligible travel spending on planes, trains, car rental, ferries, buses, hotel accommodation, travel agents, cruises, campsites and more. 1% to 15% at selected partner retailers. Or, instead of these, 0.1% back everywhere else.
Account Fees	£0
Purchases	24.90% (variable) p.a.
Purchases Interest Free Period	56 days
Balance Transfers	24.90% (variable) p.a.
Balance Transfer Fee (%)	0.00%
Cash Advances	26.5% (variable) p.a.
Minimum Credit Limit	£ 250.00
Maximum Credit Limit	Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

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