NatWest Bank Reward Black
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).
Editor’s Note: While we always aim to give you accurate product information at the point of publication, rates, prices, terms and promotions can always be changed by the provider afterwards and without notice, so be sure to double check first.
Our Verdict
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.
Important: The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer.
Product Features & Benefits
| Issuer | NatWest Bank |
|---|---|
| Network | Mastercard |
| Primary Category | Rewards |
| Loyalty Scheme | Cashback |
| Incentive on opening | Reward Current Account holders: £0 per annum. |
| Cashback/Rewards (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 Fee | £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 |
Fees & Charges
| Account Fee | £84 p.a. Reward Current Account holders: £0 |
|---|---|
| Late Payment | £ 12 |
| Returned Payment | £ 5 |
| Exceed Limit | £ 12 |
| Duplicate Statement | £ 3 |
| Replacement Card | £ 0 |
| Trace Fee | £ 0 |
| Cash Withdrawal Fee | 3% |
| Cash Withdrawal Minimum Charge | £ 3 |
| Foreign Usage EU | 0% |
| Foreign Usage World | 0% |
Application Requirements
| Availability | Available to new customers. Reward Black Current Account holders: £0 per annum. |
|---|---|
| Minimum Income | £ 15,000 |
| Minimum Age | 18 |
| Residency | Permanent resident in the UK. |
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26.5% Representative APR (variable)
Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited and is acting as a credit broker, not a lender.
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