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Royal Bank of Scotland Credit Cards

6 CARDS

Royal Bank of Scotland (RBS), part of the NatWest Group, offers a range of credit cards to suit various financial needs, including low-interest options, rewards, and balance transfer features. RBS credit cards come with robust fraud protection and secure account management through its mobile app and online banking, providing peace of mind and convenience for customers.

Royal Bank of Scotland

Balance Transfer

3.4

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. (0% 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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3.4

OUR RATING

Quick Look

The Royal Bank of Scotland Balance Transfer credit card offers 0% interest on balance transfers for up to 12 months, with no annual fees. It may suit individuals looking to consolidate existing debt over the short term without incurring transfer or maintenance costs.

Issuer	Royal Bank of Scotland
Network	Mastercard
Primary Category	Balance Transfer
Loyalty Scheme
Incentive on opening	0% for 12 months and no fee to transfer a balance
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. (0% 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

Royal Bank of Scotland

Longer Balance Transfer

4.3

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).

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4.3

OUR RATING

Quick Look

The Royal Bank of Scotland Longer Balance Transfer credit card offers up to 34 months of 0% interest on balance transfers, with no balance transfer fees or annual charges. It’s one of the longest interest free options available, making it a suitable choice for those looking to repay existing credit card debt over an extended period.

Issuer	Royal Bank of Scotland
Network	Mastercard
Primary Category	Balance Transfer
Loyalty Scheme
Incentive on opening	0% interest for the first 3 months on purchases and 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 (%)	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

Royal Bank of Scotland

Purchase & Balance Transfer

3.8

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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3.8

OUR RATING

Quick Look

The Royal Bank of Scotland Purchase & Balance Transfer credit card is an all-rounder option with no annual fees. It offers 0% interest on purchases for up to 20 months and on balance transfers for up to 18 months, making it a flexible choice for managing both new spending and existing debt without interest charges during the promotional periods.

Issuer	Royal Bank of Scotland
Network	Mastercard
Primary Category	Balance Transfer
Loyalty Scheme
Incentive on opening	Long 0 interest free-periods 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

Royal Bank of Scotland

Reward Black

3.7

OUR RATING

Representative APR

40.7% APR (variable)

Purchases

21.90% (variable) p.a.

Balance Transfers

21.90% (variable) p.a. (0% fee)

Account Fees

£84. 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., and a fee of £84.00 per annum, most accepted customers get a rate of 40.7% APR (variable).

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3.7

OUR RATING

Quick Look

The Royal Bank of Scotland Reward Black credit card typically carries an £84 annual fee but is free (£0 per annum) for Reward Black current account holders. It offers cashback incentives, making it a cost effective choice for eligible customers seeking rewards on everyday spending.

Issuer	Royal Bank of Scotland
Network	Mastercard
Primary Category	Rewards
Loyalty Scheme
Incentive on opening	Reward Current Account holders: £0 per annum.
Cashback rate (if applicable)	Benefit from 1% back in Rewards at supermarkets and 0.5% on spending at their petrol stations Get 1-15% back in Rewards at selected retailers and 0.5% everywhere else
Account Fees	£84. Reward Current Account holders: £0
Purchases	21.90% (variable) p.a.
Purchases Interest Free Period	56 days
Balance Transfers	21.90% (variable) p.a. (0% 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

Royal Bank of Scotland

Reward

3.5

OUR RATING

Representative APR

31.0% APR (variable)

Purchases

25.90% (variable) p.a.

Balance Transfers

25.90% (variable) p.a. (0% fee)

Account Fees

£24. Reward Current Account holders: £0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 25.90% (variable) p.a., and a fee of £24.00 per annum, most accepted customers get a rate of 31.0% APR (variable).

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3.5

OUR RATING

Quick Look

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

Issuer	Royal Bank of Scotland
Network	Mastercard
Primary Category	Rewards
Loyalty Scheme
Incentive on opening	Reward Current Account holders: £0 per annum.
Cashback rate (if applicable)	You'll get 1% back at supermarkets and 0.25% 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	£24. Reward Current Account holders: £0
Purchases	25.90% (variable) p.a.
Purchases Interest Free Period	56 days
Balance Transfers	25.90% (variable) p.a. (0% 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

Royal Bank of Scotland

Royal Bank Credit Card

4.0

OUR RATING

Representative APR

12.9% APR (variable)

Purchases

12.90% (variable) p.a.

Balance Transfers

12.90% (variable) p.a. (0% 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

4.0

OUR RATING

Quick Look

The Royal Bank of Scotland credit card offers a low interest rate with no annual fees and no fees on foreign transactions. It is suitable for individuals seeking a cost effective credit card for both local and international use.

Issuer	Royal Bank of Scotland
Network	Mastercard
Primary Category	Purchases
Loyalty Scheme
Incentive on opening	Lower interest rates and no fees on transactions abroad.
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. (0% 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

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