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RBS credit cards

Find the best RBS credit card deal

published: 27 September 2022
Read time: 5 minutes

Who is RBS?

The Royal Bank of Scotland (RBS) is a major retail bank with a high-street presence, especially prominent in Scotland. 

It is one of the retail banking subsidiaries of NatWest Group. 

It offers a range of consumer banking products and services, including mortgages, savings, loans, insurance, investment – and credit cards.  

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How do RBS credit cards compare?

RBS offers a range of credit card deals. These include cards with introductory offers and low rates on balance transfers and purchases, cards with travel benefits for use overseas, and cards which reward everyday spending. Rewards tend to come in the form of cashback, with the amount of payback you get dependent on where and how you shop. 

RBS credit card features

Many RBS cards come with competitive rates – known as the representative annual percentage rate (APR). Be aware that the actual rate you get when you apply for a card will depend on your individual financial circumstances and credit score. 

Other features of RBS cards include:

  • Decent introductory rates on balance transfers and purchases

  • Cashback reward offerings

  • Cards have valuable consumer protection under Section 75 of the Consumer Credit Act. This means the card provider is jointly liable with the retailer if something goes wrong, or if a store goes bust.  This safety net applies to goods and services costing more than £100, but less than £30,000 

Note that some RBS cards come with annual fees. Remember to factor these in when working out if a card is right for you. In some cases, the fee may be refunded if you have a particular current account with the bank. There are also likely to be balance transfer fees on 0% balance transfer card deals.

Balance transfers can be made from most credit cards and store cards, except from other NatWest Group cards. 

How do I pick the best RBS credit card?

An RBS credit card is not for everyone, but there could be one or more cards which might suit your needs. 

If you have lots of outstanding debts on different pieces of plastic, you might want to look at a balance transfer card. 

If you are thinking about making a big purchase, you might want to consider a card offering a low rate on spending, as well as breathing space to pay off what you owe.

If you go abroad frequently, you might want to consider a card which offers travel benefits, and which doesn’t levy charges for use overseas.

If you can be sure of clearing your balance in full each month, your focus could be on rewards cards or cashback cards, which reward your everyday spending with cashback.  

Am I eligible for an RBS card?

To be eligible to apply for an RBS card, you will have to meet a few basic criteria:

  • Be aged at least 18

  • Be a UK resident

  • For some cards, you may need to be an existing RBS customer - with either a current account, savings account, credit card or mortgage 

  • Need to earn at least £10,000 per year (for some cards, this minimum increases to £15,000)

How likely am I to get accepted?

When you apply for an RBS card, the bank will consider a number of factors before making its decision. The most important of these will be your credit rating.

Before making your application, you should check your credit score. This credit report is a bit like a financial CV showing how you’ve handled credit in the past. You can check your rating easily with MoneySuperMarket’s free credit monitor tool

As well as getting your score, you will receive personalised tips to help you boost your rating. 

How long does it take to get a card?

Applying for an RBS card should be a relatively quick process. Once you’ve selected the right offer for your needs, you can make a formal application. This should only take a matter of minutes online.

You will need to give information such as your address history, recent employment history and annual income.  

If you apply for an RBS card and your application is successful, you should receive your card within five to seven working days.  

Compare credit cards with MoneySuperMarket

Finding a new card is easy with us. Simply answer a few questions about your financial circumstances, and the type of card you’re looking for. It’s then over to us to scour the market to find the best deal for your needs. 

Before making a formal application, it’s worth carrying out an eligibility check

This will give you some indication of whether your application is likely to be successful, without impacting on your credit score in any way.

That way, when you do come to apply, you can do so with greater confidence. 

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.

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