NatWest Reward Credit Card
The NatWest Reward Credit Card pays cashback as Rewards points on supermarket and everyday spending, with a higher rate at partner retailers and a modest monthly fee.
Why it ranks
- Decent rewards on supermarket spending
- MyRewards partners boost earning
- Easy to manage in the NatWest app
What holds it back
- Charges a monthly fee
- Foreign transaction fee applies on overseas spend
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
The NatWest Reward Credit Card pays cashback as Rewards points on supermarket and everyday spending, with a higher rate at partner retailers and a modest monthly fee.
NatWest Reward Credit Card at a glance
| Issuer | NatWest |
| Card network | Mastercard |
| Annual fee | £24 |
| Welcome bonus | Occasional bonus Rewards promotion |
| Rewards rate | 1% at supermarkets, more with MyRewards partners |
| Intro APR | Not applicable |
| Regular APR | Approx. 28.8% APR representative (variable, incl. fee) |
| Foreign transaction fee | Non-sterling transaction fee applies |
| Credit needed | Good credit history |
| Best for | NatWest customers who want simple everyday rewards |
| Airport lounge access | No |
Rewards & benefits
- Earn Rewards on supermarket and everyday spending
- Boosted Rewards with MyRewards retail partners
- Redeem Rewards for cash, gift cards or partner offers
- Integrated with the NatWest mobile banking app
Eligibility & who it suits
- UK resident aged 18 or over
- On the electoral roll at your current address
- Good credit score
- Existing NatWest current account may be required
How to apply
Check current rates on NatWest’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar UK cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | NNatWestReward£24/yr · UK NatWest Reward Credit CardNatWest customers who want simple everyday rewards |
£24/yr | 1% at supermarkets, more with MyRewards partners | Occasional bonus Rewards promotion | Non-sterling transaction f… | Good credit history | |
| 2 | AEAmerican Express UKPlatinum Cashback EverydayNo annual fee · UK American Express Platinum Cashback EverydayEveryday spenders wanting fee-free cashback |
None | Up to 5% intro then 0.5%-1% ongoing (tiered) | Higher cashback rate for the first three months | 2.99% on foreign currency… | Good credit history | |
| 3 | AEAmerican Express UKPlatinum Cashback£25/yr · UK American Express Platinum CashbackHigher spenders who want maximum cashback |
£25/yr | Up to 5% intro then up to 1.25% ongoing (tiered) | Higher cashback rate for the first three months | 2.99% on foreign currency… | Good credit history | |
| 4 | SUSantander UKSantander All in One£36/yr · UK Santander All in One Credit CardThose wanting cashback and fee-free travel together |
£36/yr | 1% cashback on all purchases | Introductory 0% on balance transfers | 0% on foreign currency pur… | Good credit history |
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