Royal Bank of Scotland Reward Black
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).
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 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.
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 | Royal Bank of Scotland |
|---|---|
| Network | Mastercard |
| Primary Category | Rewards |
| Loyalty Scheme | |
| Incentive on opening | Reward Current Account holders: £0 per annum. |
| Cashback/Rewards (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 Fee | £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 |
Fees & Charges
| Account Fee | £84. Reward Current Account holders: £0 |
|---|---|
| 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. |
|---|---|
| Minimum Income | £ 15,000 |
| 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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