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Balance Transfer credit card

Good for - no fee to transfer a balance
  • 0% for 20 months from account opening on balance transfers made within the first 3 months, after which standard rates apply
  • No fees to transfer a balance to this credit card
  • 0% on purchases for 3 months from account opening, thereafter standard rates apply

To apply, you must hold a current account, savings account, credit card or mortgage with NatWest, be a UK resident, aged 18+ and earning at least £10K per year

Longer Balance Transfer Card

Good for - more time to pay your balance off
  • 0% for 28 months from account opening on balance transfers made within the first 3 months, after which standard rates apply
  • 2.75% balance transfer fee applies
  • 0% on purchases for 3 months from account opening, thereafter standard rates apply

To apply, you must hold a current account, savings account, credit card or mortgage with NatWest, be a UK resident, aged 18+ and earning at least £10K per year

Representative example
19.9% p.a. (variable)
19.9% (variable)

The NatWest Credit Card

Good for - low rates and saving money abroad
  • No foreign transaction fees on purchases
  • Low rates on purchases and balance transfers
  • No balance transfer fees

To apply, you must hold a current account, savings account, credit card or mortgage with NatWest, be a UK resident, aged 18+ and earning at least £10K per year

Why chance it?

First product of multiple listing card

Use our eligibility checker to find out whether you're likely to be accepted before you apply. It takes just 2 minutes and there's no impact on your credit score.

How does a credit card work?

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Put simply, a credit card is a way of borrowing money that lets you purchase things up to an agreed limit and pay for them later, either in one go or by instalments.

For more support on the basics - from balance transfers to credit scoring - why not try our handy guide? We'll even run you through the different types of credit cards too.

Find out how credit cards work

Where can I use my credit card?

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Credit cards are commonly used to make purchases in shops or online. You can use them at ATMs too but this type of transaction often incurs a fee.

Our credit cards are Mastercard®, which means they’re accepted all over the world and they’re contactless too - it’s a super quick and no-fuss way to pay for items of £45 or less.

If you need to use your credit card abroad, just look for the Visa and Mastercard logos in retailers or on cash machines, then use your card as normal. When you get back home you'll see the purchases and withdrawals you made abroad shown in the local currency, then exchanged into pounds sterling on your statement. Please note that some credit cards add a small percentage to cover the foreign exchange fee.

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If you're looking to borrow money, we know it can be difficult deciding which type of lending best suits your needs. So, we've summarised the options for you to easily compare and contrast.

Manage your existing credit card