NatWest credit cards

NatWest credit card offering ranges from its Student card with a low maximum limit, to its Private Black Card available only to those on high minimum incomes. Its primary offering is the NatWest Clear Rate Platinum card which comes with one transparent low rate. NatWest no longer offers 0% balance transfers and purchase deals.

Compare NatWest credit cards - Sorted by APR

    • Provider/Product name Clear Rate Platinum Credit Card

      NatWest

      Clear Rate Platinum Credit Card

    • Balance transfer 6.9% 0%fee
    • Purchases 6.9%
    • Rewards No rewards
    • Representative APR (variable) 11.1%APR
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    Great for
    A simple, low rate for balance transfers and purchases - 6.9% p.a. (variable)
    No introductory offers, so no gimmicks or nasty surprises when a 0% period runs out
    No need to move around to avoid higher charges after a 0% period
    But be aware that
    There is a £24 annual fee
    An excellent credit rating is required
    The APR is dependent on your personal circumstances

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 6.9% (variable) with a £24 annual Fee your representative APR will be 11.1% (variable).

    • Provider/Product name Private Black Credit Card

      NatWest

      Private Black Credit Card

    • Balance transfer 14.94% 0%fee
    • Purchases 14.94%
    • Rewards Rewards
    • Representative APR (variable) 14.9%APR
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    Great for
    Earning 1.25 YourPoints per £1 spent on qualifying purchases
    But be aware that
    This card is only available to NatWest Black Account customers
    You cannot transfer a balance from another RBS Group card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 14.94% (variable) your representative APR will be 14.9% (variable).

    • Provider/Product name Business Credit Card

      NatWest

      Business Credit Card

    • Balance transfer 16.9% -
    • Purchases 16.9%
    • Rewards Insurance Shopping
    • Representative APR (variable) 23.2%APR
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    Great for
    Special business offers
    Free travel accident insurance
    Free employee misuse cover
    But be aware that
    You must be a NatWest Business current account holder
    There is a £32 annual fee

    Representative Example:

    If you spend £1,200 at an annual interest rate of 23.2% (variable) with a £32 annual Fee your representative APR will be 23.2% (variable).

    • Provider/Product name Student Credit Card

      NatWest

      Student Credit Card

    • Balance transfer 18.95% 0%fee
    • Purchases 18.95%
    • Rewards No rewards
    • Representative APR (variable) 18.9%APR
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    Great for
    Exclusive to NatWest Current Account customers
    Text or email alerts when a payment is due
    But be aware that
    Non NatWest customers are not eligible
    You cannot transfer a balance from another RBS Group card

    Representative Example:

    If you spend £500 at a purchase interest rate of 18.95% (variable) your representative APR will be 18.9% (variable).

Guide to NatWest credit cards

NatWest is part of the Royal Bank of Scotland Group, having been taken over by RBS in 2000. Despite the merger, NatWest and RBS have retained separate brands and NatWest continues to offer a raft of consumer deals ranging from current accounts to travel insurance – as well as a selection of credit cards.

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NatWest Clear Rate Platinum Credit Card

The Clear Rate Platinum credit card is NatWest’s staple plastic offering.  While the bank no longer offers 0% on balance transfers or purchases, as is name suggests, this card comes with one transparent low rate of 6.9%. 

This means that any debt transferred onto the card from another provider, or any new purchases made on the card, will all be charged at the same 6.9% rate. This card however, does come with an annual fee of £24 taking the APR (annual percentage rate) to 11.9%.

Private Black Credit Card

To qualify for NatWest’s Private Black card, you will need a minimum income of £100,000 paid into your NatWest current account, or the same amount held in investments with the bank. Alternatively, you will also qualify if you have £300,000 outstanding borrowing with a NatWest mortgage. 

The Private Black card offers one rate of 14.9% whether you are making new purchases or transferring a balance from a different card provider. There is no annual fee and for every £1 you spend on the Black card, you will earn 1.25 NatWest YourPoints. These can be redeemed across a range of the bank’s partners which include hotels, airlines, retailers and restaurants.

Student Credit Card

With a credit limit of between £250 and £500, the NatWest student credit card is available exclusively to Student Bank Account holders. It comes with no annual fee but an APR of 18.9% making it important to clear your balance every month. The card account can be managed online from your phone making it easier for those new to credit to keep in check of their spending and start building up a good credit score for life post-education.

Business Credit Card

If you are already NatWest business current account customer, you will be also able to apply for a Business Credit Card.  It comes with a 16.9% interest rate, which applies to balances transferred to the card from another provider and to new purchases made on the card. The annual fee on the card of £32 pushes the representative APR up to 23.2%

Your personalised chance of approval

We’ve taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it’s better to get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, you’ve probably better off choosing a different card.

Consider a different card
Not eligible
1/10
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5/10
Your chances are good
6/10
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9/10
You've been pre approved

If you see a high score, you can be fairly confident. The scores aren’t a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

Not rated

In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer’s acceptance criteria or we have not been able to match your details at the credit bureau.

We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

We're free, independent and compare all UK credit cards as well as offering exclusive deals you can't get anywhere else.

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