NatWest Bank Reward Credit Card
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).
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 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.
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 get 1% back at supermarkets. 1-15% back at chosen retailers. 0.25% back everywhere else, including supermarket petrol stations. |
| Account Fee | £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 |
Fees & Charges
| Account Fee | £24 p.a; £0 for Reward Current Account holders. |
|---|---|
| Late Payment | £ 12 |
| Returned Payment | £ 10 |
| Exceed Limit | £ 12 |
| Duplicate Statement | £ 3 |
| Replacement Card | £ 0 |
| Trace Fee | £ 0 |
| Cash Withdrawal Fee | 3% |
| Cash Withdrawal Minimum Charge | £ 3 |
| Foreign Usage EU | 2.75% |
| Foreign Usage World | 2.75% |
Application Requirements
| Availability | Available to new customers. Reward Current Account holders: £0 per annum. |
|---|---|
| Minimum Income | £ 10,000 |
| Minimum Age | 18 |
| Residency | Permanent resident in the UK. |
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34.4% 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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