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Compare NatWest Credit Cards

Updated: 22nd July 2021

NatWest has a wide-ranging credit card portfolio — from student credit cards to reward cards. However, with NatWest, it pays to be an existing customer, with the most attractive options saved for those who have an account with the bank.

We’ve reviewed the cards in the NatWest portfolio, weighing the perks and benefits against the eligibility requirements and annual fees, to come up with our favourites.

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Here are MyWalletHero’s picks for the top NatWest credit cards

Credit card offers from our affiliate partners appear first and are ordered from highest rating to lowest, followed by other top-rated offers. You can read more about our ratings and page sort here. Offers from affiliate partners are marked with a *.

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Great for: Low APR and no foreign transaction fees
4 stars question mark
NatWest Reward credit card
Apply Now!

On NatWest's Secure Website

* Affiliate partner

Where the NatWest Credit Card excels is being that solid, take-everywhere card. With a low standard APR for qualified applicants, and no foreign transaction fees, this card can find a place in many peoples’ wallets. However, if you’re looking for rewards, cashback or a sign-up bonus, you’ll have to look elsewhere.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • Low APR of 9.9% p.a. (variable) for qualified applicants
  • No fees on foreign transactions
  • No balance-transfer fees
  • Even lower balance-transfer rate of 6.9% (variable) for qualified applicants
  • No annual fee
  • To apply, you must be 18+, earning at least £10,000 per year and a UK resident

REPRESENTATIVE EXAMPLE

Purchase rate 9.9% p.a. (variable)
Representative APR 9.9% (variable)
Assumed credit limit £1,200
Annual fee £0

* This is an offer from one of our affiliate partners. For more information on why and how we work with partners, click here.

what we like

  • Low standard APR
  • No foreign-transaction fees
  • No balance-transfer fees
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    9.9%
  • INTRO OFFER:

    N/A

KEY SCORES:

  • 1/5 Perks
  • 5/5Fees
  • 5/5APR

HIGHLIGHTS

  • Low APR of 9.9% p.a. (variable) for qualified applicants
  • No fees on foreign transactions
  • No balance-transfer fees
  • Even lower balance-transfer rate of 6.9% (variable) for qualified applicants
  • No annual fee
  • To apply, you must be 18+, earning at least £10,000 per year and a UK resident

REPRESENTATIVE EXAMPLE

Purchase rate 9.9% p.a. (variable)
Representative APR 9.9% (variable)
Assumed credit limit £1,200
Annual fee £0

* This is an offer from one of our affiliate partners. For more information on why and how we work with partners, click here.

Great for: NatWest customers consolidating debt
3.5 stars question mark
NatWest credit card
Apply Now!

On NatWest's Secure Website

* Affiliate partner

NatWest customers interested in consolidating credit card debt and getting 1.5 years of 0% interest on their balance transfer may want to check out the NatWest Balance Transfer Credit Card offer. In NatWest fashion, this is a simple, straightforward offer. The 18 months of 0% provides a good amount of time to pay down a lingering balance, while there’s no longer a balance transfer fee. Note that you must be a current NatWest current account, savings account, credit card or mortgage customer to apply.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 0% interest for 18 months (starting from account opening) on balance transfers made in the first 3 months
  • No balance transfer fee
  • 0% interest on purchases over the first 3 months
  • No annual fee
  • Note: You must be a current NatWest customer (current account, savings account, credit card or mortgage), be a UK resident and earn at least £10k per year to apply

REPRESENTATIVE EXAMPLE

Representative rate 21.9% APR (variable)
Purchase rate 21.9% p.a. (variable)
Assumed credit limit £1,200

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

what we like

  • 0% interest for 18 months (starting from account opening) on balance transfers made in the first 3 months
  • No annual fee
  • 0% interest on purchases over the first 3 months
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    21.9%
  • INTRO OFFER:

    0% interest for 18 months from account opening on balance transfers made in the first 3 months

    0% interest on purchases for 3 months

KEY SCORES:

  • 2/5 Perks
  • 4/5Fees
  • 4/5APR

HIGHLIGHTS

  • 0% interest for 18 months (starting from account opening) on balance transfers made in the first 3 months
  • No balance transfer fee
  • 0% interest on purchases over the first 3 months
  • No annual fee
  • Note: You must be a current NatWest customer (current account, savings account, credit card or mortgage), be a UK resident and earn at least £10k per year to apply

REPRESENTATIVE EXAMPLE

Representative rate 21.9% APR (variable)
Purchase rate 21.9% p.a. (variable)
Assumed credit limit £1,200

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

Great for: very long balance transfer period
4 stars question mark

If you’re a current NatWest customer looking for a long 0% balance transfer period, this could be just the offer for you. This card offers 0% interest for 23 months from account opening on balance transfers made in the first three months. A 1.99% balance transfer fee applies. This card also provides 0% on purchases for three months.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • Note: You must be a current NatWest customer (current account, savings account, credit card or mortgage), be 18 or older, a UK resident and earn at least £10k per year to apply
  • 0% interest for 23 months (starting from account opening) on balance transfers made in the first 3 months (after which standard rates apply)
  • 1.99% balance transfer fee
  • 3 months 0% interest on purchases
  • No annual fee

REPRESENTATIVE EXAMPLE

Representative 19.9% APR (variable)
Purchase rate 19.9% p.a. (variable)
Assumed credit limit £1,200
Annual fee £0

what we like

  • 0% interest for 23 months (starting from account opening) on balance transfers made in the first 3 months
  • 3 months 0% interest on purchases
  • No annual fee
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    19.9%
  • INTRO OFFER:

    0% interest for 23 months from account opening on balance transfers made in the first 3 months

    0% interest on purchases for 3 months

KEY SCORES:

  • 3/5 Perks
  • 3/5Fees
  • 5/5APR

HIGHLIGHTS

  • Note: You must be a current NatWest customer (current account, savings account, credit card or mortgage), be 18 or older, a UK resident and earn at least £10k per year to apply
  • 0% interest for 23 months (starting from account opening) on balance transfers made in the first 3 months (after which standard rates apply)
  • 1.99% balance transfer fee
  • 3 months 0% interest on purchases
  • No annual fee

REPRESENTATIVE EXAMPLE

Representative 19.9% APR (variable)
Purchase rate 19.9% p.a. (variable)
Assumed credit limit £1,200
Annual fee £0
Great for: Building credit
3.5 stars question mark

The NatWest Student Credit Card offers students a chance to start building their credit rating. With a very competitive APR and manageable credit limit, the Mastercard credit card also has no annual fee. To be eligible, you must have a NatWest student current account, be 18+, a UK resident and be enrolled in a university or college course.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • No annual fee
  • Manageable credit limit
  • Chance to establish good credit practices

REPRESENTATIVE EXAMPLE

Representative rate 18.9% APR (variable)
Purchase rate 18.9% p.a. (variable)
Assumed credit limit £500

what we like

  • No annual fee
  • Manageable credit limit
  • Chance to establish good credit practices
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    18.9%
  • INTRO OFFER:

KEY SCORES:

  • 2/5 Perks
  • 4.5/5Fees
  • 4.5/5APR

HIGHLIGHTS

  • No annual fee
  • Manageable credit limit
  • Chance to establish good credit practices

REPRESENTATIVE EXAMPLE

Representative rate 18.9% APR (variable)
Purchase rate 18.9% p.a. (variable)
Assumed credit limit £500
Great for: Racking up points
3 stars question mark

Don’t skip over the NatWest Reward Credit Card! Our rating is somewhat low on this card for good reasons — it doesn’t offer a welcome bonus, it doesn’t have a 0% purchase offer, and there’s an annual fee. However, the yield on rewards points is better than most competitors. Plus, you’re not as limited as store-brand cards, as the 1% on supermarket spend isn’t limited to a single brand. Plus, that annual fee is reimbursed if you have a Reward current account.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 1% rewards for spending at supermarkets, 0.5% for spending everywhere else
  • Special offers of 1%-15% rewards for some MyRewards retailers
  • The annual fee is refunded if you have a Reward current account

REPRESENTATIVE EXAMPLE

Purchase Rate 18.9% p.a. (variable)
Representative APR 23.7% (variable)
Assumed credit limit £1,200
Annual fee £24

what we like

  • 1% rewards for spending at supermarkets, 0.5% for spending everywhere else
  • Special offers of 1%-15% rewards for some MyRewards retailers
  • The annual fee is refunded if you have a Reward current account
  • ANNUAL FEE:

    £24
  • REPRESENTATIVE APR:

    23.7%
  • INTRO OFFER:

    N/A

KEY SCORES:

  • 2/5 Perks
  • 1/5Fees
  • 5/5APR

HIGHLIGHTS

  • 1% rewards for spending at supermarkets, 0.5% for spending everywhere else
  • Special offers of 1%-15% rewards for some MyRewards retailers
  • The annual fee is refunded if you have a Reward current account

REPRESENTATIVE EXAMPLE

Purchase Rate 18.9% p.a. (variable)
Representative APR 23.7% (variable)
Assumed credit limit £1,200
Annual fee £24

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