NatWest credit cards
NatWest offers a wide range of credit cards, from the Student card with a low maximum credit limit, to the Clear Rate Platinum card which comes with one transparent low rate. If you’re a business owner, you could get a great deal with the Business credit card. You can also earn cashback on your spending with the Reward or Reward Black credit cards.
Compare NatWest credit cards - Sorted by APR
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 range of products ranging from current accounts to travel insurance – as well as a selection of credit cards.
These include cards which offer rewards on your everyday spending, cards which provide a low rate on purchases and balance transfers, cards with travel benefits, and student credit cards.
Many of NatWest’s cards carry an annual fee, so make sure you check the charges carefully. Some cards refund the fee if you have a particular current account with NatWest. You must be 18 and a UK resident to apply for any of the bank’s cards.
NatWest credit cards are fully regulated by the city regulator the Financial Conduct Authority (FCA).
Credit cards give you valuable consumer protection that cash and debit cards don’t. Under Section 75 of the Consumer Credit Act, if you pay for goods or services using a credit card, the card provider is jointly liable with the retailer if something goes wrong.
This protection only applies to items or services costing between £100 and £30,000. So, for example, if you ordered a bed costing £500 and the shop you bought it from goes bust before it is delivered, the credit card provider should provide you with a full refund.
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 get it right first time. Your scores help you understand which cards you have the strongest chance of getting.
The higher the score, the stronger chance you have of getting the card. If you see a very low score, you're probably better off choosing a different card.
- Consider a different card
- Not eligible
- Your chances are good
- 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.
If you see a pre-approved score it may be subject to you passing additional ID and fraud checks by the provider.
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.
Set up a direct debit
If you’ve got debt to pay off, the easiest way to manage it is by setting up a direct debit to make sure you pay it off before the end of the interest free period.
For example, if you transfer a balance of £2,400 to a card that charges zero interest on balance transfers for 24 months, you could set up a direct debit for £100 a month and you would be debt-free by the end of the 0% offer.
If you can’t pay off the debt before the 0% deal expires, you could try to switch to another balance transfer offer at the end of the term. If that fails, you will start to be charged interest at the card issuer’s standard rate.
Some people choose to clear the outstanding balance in a lump sum at the end of the 0% offer. That’s fine, as long as you remember to make the minimum payment on the card each month – if you don’t, you’ll incur penalty charges.
And remember to make a note of the date when the full amount is due.
Where to next?
What is a good credit score?
Will I be accepted for a credit card?
How long will it take to be accepted for a credit card?
Moneysupermarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.