Reward Credit Card
Reward current account customer?

We'll refund the annual fee for your Reward credit card saving you £24 a year!


Here are all the great ways you can earn Rewards

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3% in all supermarkets. Special offer from 1st October to 31st December 2015 (1% thereafter)

(0.5% at their petrol stations)

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At least 1% at MyRewards retailers
and 0.5% everywhere else you shop at home and abroad

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1% if you use contactless until 31st December 2015

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1%  on payments up to £30 you make using Apple Pay in stores until 31st December 2015

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We'll refund the annual fee if you also have a Reward current account

(available to over 18's and UK residents only. Monthly fee applies and additional criteria apply for Reward Black)

Find out more about the annual fee and annual fee refund

Annual fee


We’ll charge a £24 annual fee when you first use your Reward credit card account (for example, by making a purchase or a balance transfer) and then each following year on the anniversary of that date.

 

Annual fee refund


If you hold or open one of our Reward or Reward Black current accounts, we’ll refund any annual fees that are charged to your Reward credit card account while the current account remains open.  Each annual fee and refund will show on the same monthly credit card statement.
 

We’ll not refund all or part of any annual fee charged to your credit card account before you open a Reward or Reward Black current account, or after it is closed.
 

Our Reward and Reward Black current accounts include Reward, Reward Silver, Reward Platinum and Reward Black. To get these current accounts, you need to be aged 18 or over and UK resident, plus additional criteria apply for Reward Black. Monthly fees apply.

Representative example. Purchase rate 12.9% p.a. variable. Representative APR: 17.4% APR (variable). Assumed credit limit: £1200. Annual fee: £24. Your actual credit limit and APR will vary depending on our credit assessment of you.

Representative example. Purchase rate 12.9% p.a. variable. Representative APR: 17.4% APR (variable). Assumed credit limit: £1200. Annual fee: £24. Your actual credit limit and APR will vary depending on our credit assessment of you.

To apply you must be earning over £10k p.a., be resident in mainland UK and over 18 years old. You may receive higher than our standard purchase and balance transfer rate of 12.9% p.a. (variable) upon application - up to 20.9% p.a. (variable). Interest on fees and charges is payable in line with our terms and conditions. See Summary Box for full details. Always aim to pay off your credit card balance every month to make sure the benefit of Rewards outweighs any interest costs.

Apply now



Please download and read these documents before applying.

Summary Box (PDF, 57KB)

Sample Credit Card Agreement (PDF, 79KB)

How to redeem your Rewards

As part of your credit card application, your credit card will be automatically enrolled into the MyRewards programme.

5.00 Rewards = £5.00 when redeemed

The supermarket and UK restaurants and bars offers come to you direct from NatWest and are not in any way endorsed, sponsored, sold or promoted by the supermarkets, restaurants or bars, nor are they implemented with the supermarkets', restaurants' or bars' cooperation.

You can redeem your Rewards in the following ways:

 Bank it

Change your Rewards into money that you can transfer to your current account to spend however you like.

 Trade Up

Maximise your Rewards by exchanging them for gift cards or tickets. At some of our retailers, this could double their value. For example, if you like coffee, you can trade in £5 of your rewards for a £10 Caffe Nero voucher.

Find out more at the MyRewards website

 

Change your Rewards into money which is donated to one of our chosen charities: Barnardo’s, Cancer Research UK, Macmillan Cancer Support and the NSPCC.

See how many Rewards you could earn

Get at least 1% Rewards through these retailers

All Rewards are subject to the retailers' terms and conditions. Retailer exclusions may apply. See the Retailer Exclusions (link opens in a new window).

Our Cashback Plus retailers
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Earn rewards with Apple Pay

Reward customers will earn 1% rewards on Apple Pay transactions up to £30 made in stores until 31st December 2015. This is in addition to any other Reward offers which apply, with the exception of any other contactless payment offers.

Available on NatWest Mastercards only. Rewards earned on Apple Pay transactions will be shown as ‘Contactless Transaction’ in your MyRewards account.

Find out more about Apple Pay

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Defaqto Five Star Award

Defaqto is an independent researcher that specialises in analysing, comparing and rating financial products. We're proud to say that the NatWest Reward Credit Card has been recognised "as an excellent product with a comprehensive range of features and benefits". Source: Defaqto.com.


Fairbanking Three Star Award

Fairbanking undertakes independent assessments of financial products to verify they are working effectively for customers. In 2015, Fairbanking have recognised the NatWest Reward Credit Card for its helpful features. Source: Fairbanking.org.uk.

Reward Credit Card

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National Westminster Bank Plc, Registered in England and Wales No. 929027. Registered Office: 135 Bishopsgate, London EC2M 3UR.

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