NatWest
NatWest credit cards offer up to 34 months 0% on balance transfers, low rates from 12.9% APR, and up to 1% rewards, with limits up to £1,200. No annual fee options.
If you want flexibility with your everyday spending, NatWest offers a range of credit cards designed to match a variety of financial needs. From cards with lengthy 0% balance transfer periods to those with robust cashback rewards, the options suit different lifestyles and budgets.
NatWest’s balance transfer cards stand out with offers such as up to 34 months at 0% interest for balance transfers (a 3.15% fee applies), while purchase cards provide up to 20 months at 0% on purchases. Most cards feature a representative APR starting from 12.9% to 34.9% variable and an assumed credit limit of £1,200, subject to eligibility and credit assessment.
Eligibility typically requires UK residency, a minimum income starting at £8,500-£10,000 per year, and being 18 or older. For the Credit Builder card, you must also have held a NatWest current account for at least three months.
How to Apply for a NatWest Credit Card
- Choose a card that suits your needs: balance transfer, rewards, or credit building.
- Check your eligibility with NatWest’s online tool to see your personalised rates and credit limit.
- Fill out the application with your personal and financial details.
- Once approved, your card usually arrives within 5-7 working days.
Key Advantages
One of the biggest positives is the variety of 0% APR introductory offers, which are ideal for managing debt or making larger purchases. The potential to earn up to 1% back on spending and zero annual fee on several options enhances value.
For frequent travellers, certain cards waive foreign transaction fees, making them appealing for holidays abroad.
Potential Drawbacks
Although the introductory balance transfer terms are generous, some cards include transfer fees and standard rates after the offer ends are around 24.9% APR or higher.
Additionally, the best rates and offers depend on personal credit assessments, so advertised rates may not be available to all applicants. Some cards require existing products with the bank.
Final Verdict
NatWest credit cards are compelling, especially for those seeking long 0% periods or cashback. Just be aware of eligibility, fees and post-offer interest rates. Overall, a competitive choice in the UK credit card market.