Compare Royal Bank of Scotland Credit Cards

Updated: 29th July 2021

Royal Bank of Scotland has a varied, but streamlined, portfolio which includes reward cards, balance transfer cards, travel cards and student cards. However, when it comes to RBS credit cards, it pays to be an existing customer. Its most attractive deals are only available to those who already bank with Royal Bank of Scotland.

We’ve taken a look at the cards in the Royal Bank of Scotland portfolio, weighing up the introductory offers, fees and extra perks to select our favourites.

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Here are MyWalletHero’s top picks for Royal Bank of Scotland 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
Royal Bank of Scotland credit card
Apply Now!

On Royal Bank of Scotland's Secure Website

* Affiliate partner

The Royal Bank Credit Card loses some ratings points because of what’s not there — no rewards, 0% offers, etc. But thanks to the low standard APR for qualifying applicants, and no foreign transaction fees, this is still a very solid card, especially for travellers.

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% p.a. (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% p.a. (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: Royal Bank customers consolidating debt
3 stars question mark
Royal Bank of Scotland credit card
Apply Now!

On The Royal Bank of Scotland's Secure Website

* Affiliate partner

The Royal Bank Balance Transfer Credit Card may be an enticing offer for current Royal Bank customers. In fact, you have to be a current customer (current account, savings account, credit card or mortgage) to apply for this card. For those that are, this could be a good way to bring existing credit card debt all to one place and get 1.5 years of 0% interest to pay it down. 

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 Royal Bank of Scotland customer (current account, savings account, credit card or mortgage), be a UK resident and make 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
  • 3/5Fees
  • 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 Royal Bank of Scotland customer (current account, savings account, credit card or mortgage), be a UK resident and make 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

Royal Bank customers in need of a long balance transfer offer should take note. 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. As a bonus, there’s also three months of 0% on purchases.

Read full review >

CREDIT RATING req:

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

HIGHLIGHTS

  • Note: You must be a current Royal Bank 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 Royal Bank 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: Earning cashback on business spend
3.5 stars question mark

This card is a level above the average business credit card. It charges more, in the form of the £70 annual fee for each card, but as a result it has no foreign transaction fee, plus you can earn 2% cashback on purchases at eligible trade/business suppliers, 1% on fuel and accommodation and 0.5% on everything else you spend. There is a catch, though, in that cashback is limited to £400 per customer.

Read full review >

CREDIT RATING req:

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

HIGHLIGHTS

  • 2% cashback on eligible trade/business supplies, 1% cashback on eligible fuel and hotel, 0.5% on all other spend
  • Up to £400 in cashback per year
  • No foreign transaction fees

REPRESENTATIVE EXAMPLE

Representative 29% APR (variable)
Purchase rate 13.9% p.a. (variable)
Assumed credit limit £1,200
Annual fee £70 per card

what we like

  • 2% cashback on eligible trade/business supplies, 1% cashback on eligible fuel and hotel, 0.5% on all other spend
  • Up to £400 in cashback per year
  • No foreign transaction fees
  • ANNUAL FEE:

    £70 per card
  • REPRESENTATIVE APR:

    29%
  • INTRO OFFER:

    N/A

KEY SCORES:

  • 4.5/5 Perks
  • 2/5Fees
  • 1.5/5APR

HIGHLIGHTS

  • 2% cashback on eligible trade/business supplies, 1% cashback on eligible fuel and hotel, 0.5% on all other spend
  • Up to £400 in cashback per year
  • No foreign transaction fees

REPRESENTATIVE EXAMPLE

Representative 29% APR (variable)
Purchase rate 13.9% p.a. (variable)
Assumed credit limit £1,200
Annual fee £70 per card
Great for: Building credit
3.5 stars question mark

The Royal Bank of Scotland (RBS) offers eligible students a way to start and build a credit profile for future borrowing needs. This could be beneficial when you finish your studies and head into working life. With a competitive APR and manageable credit limit, the card also has no annual fee. To be eligible, you must have an RBS 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 Royal Bank Reward Credit Card! Like the NatWest Reward card, our rating is somewhat low on this card for good reasons. But also simliar to the NatWest card, the rewards yield for the Royal Bank Reward card is better than most rewards cards, and you’re not as limited as store-brand cards. And again, 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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