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Reward Black credit card

A travel companion with extra Rewards packed in

Representative 40.7% APR (variable)

Available to UK residents, aged 18+ and earning at least £15K per year

No foreign transaction fees

You won't pay foreign transaction fees when you use this credit card abroad.

Use worldwide at Mastercard® locations, in-store and online.

Information Message

Rewards when you spend

You'll get 1% back at supermarkets and 0.5% at their petrol stations.

Earn 1-15% back at selected retailers.

And 0.5% back everywhere else.

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And lots more packed in

A credit limit of at least £5000.

Manage your card wherever, whenever with the NatWest mobile app (Criteria applies).

As a Reward Black customer, your calls will be prioritised. So whatever you need, we’re here to help, 24 hours a day.

 

Information Message

Check your eligibility

We'll tell you if you'll be approved for this card and your indicative credit limit at the start of your application, with no impact on your credit score.

Representative example

Purchase rate

21.9%
p.a (variable)

Representative APR

40.7%
(variable)

Assumed credit limit

£1200

Annual fee

£84
or £0 if you have a Reward Black current account
Information Message

Managing your credit card

Rewards

How do Rewards work?

Whenever you pay using your Reward Black credit card, you’ll earn points called Rewards. Unlike some other credit card schemes, we don't cap the amount of points you can earn.

Where can I earn Rewards?

You'll earn 1% in Rewards in supermarkets and 0.5% everywhere else. You'll also be given personalised monthly spend offers from some of our partner retailers.

How can I spend my Rewards?

It's easy. Once your balance has grown to at least £5, we'll give you a choice of what do with them. You can bank them, trade them or donate them to one of our chosen charities.

About the annual fee and annual fee refund

We'll refund the annual fee for your Reward Black credit card if you also have a Reward Black current account.

Paying your credit card

There are a number of convenient ways you can make a payment to your card.

Other charges or fees

Some other important details you should be aware of.

Card Features

Spread the cost of your purchase

Need to make a big purchase and don’t want the money to come out of your current account? A credit card Instalment Plan could be a good way to spread the cost.

Ways to pay

There are plenty convenient ways to pay using the Reward Black credit card.

Add an additional cardholder

Give a loved one access to your credit card account by adding an additional cardholder.

Mobile App Features

Lock and unlock your credit card

Take control of your spending

Check your credit score

Replace your credit card

Set your travel plans

What you should know

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.

Get ready to apply

We'll check your eligibility at the start

We'll ask a couple of questions about you to get started so we can let you know if you'll be approved and the indicative credit limit and interest rate you'll receive.

Don't worry - this doesn't have an impact on your credit score until you decide you want to go ahead with your application.

Now please take a look at the important legal info

By selecting 'continue' below, you are confirming that you have been provided with, and are happy with what's in these documents. Please take some time to review, print and/or save the important information.

All okay? Let's get started

Do you bank with us already?
Let us know if you already have a current account, savings account, credit card or mortgage with NatWest
What device are you using?
Are you using your mobile, or something else, to apply for a credit card?
Is our app on the device you’re using right now?
The NatWest app is the easiest way for you to apply for a credit card. Do you have it on this device?

Great, let's get started

Just a heads up - you'll be asked to log into the NatWest mobile app to start your credit card application.

Do you have NatWest online banking?
If you know your online banking details we can pre-fill some of your info - making the application process faster.

Log in to start your application (please read the below carefully)

To apply, you’ll need to log in to Online Banking, then return to our credit cards page.

How to apply:

(Please take notes or a picture of this, so you remember)

  1.  Log in to Online Banking.
  2. Choose ‘Credit cards’ (it’s under ‘Our Products’, bottom right).
  3. You’ll return to our credit card page.
  4. Choose ‘Apply for a credit card’.
  5. Choose ‘let’s start’ (under ‘Ready to apply’).

 

Log in and apply.

 

Let’s get you signed up for Online Banking

You’ll need to sign up for Online Banking with us in order to apply for a credit card. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your NatWest Debit Card, if you have one.

Do you have Online Banking?
Got Online Banking? We’ll pre-fill some of your info – so it’s faster for you to apply.

Log in to start your application (please read the below carefully)

To apply, you’ll need to log in to Online Banking, then return to our credit card page.

How to apply:

(Please take notes or a picture of this, so you remember!)

1.       Log in to Online Banking.

2.       Choose ‘Credit cards’ (it’s under ‘Our Products’, bottom right).

3.       You’ll return to our credit card page.

4.       Choose ‘Apply for a credit card’.

5.       Choose ‘let’s start’ (under ‘Ready to apply’).

 

Log in and apply.

Let’s get you signed up for Online Banking

You’ll need to sign up for Online Banking with us in order to apply for a credit card. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your NatWest debit card, if you have one.

You're all set

Just a heads up, if you choose to continue with your application after we give you an indicative limit, our partner Mitek will then check your identity by matching you to your photo ID. If you don’t have your ID to hand you can finish this step later.

To find out more about Mitek and Photo ID, take a look at our FAQs below.

Reward Black credit card - FAQs

Something else we can help you with?