NatWest Reward Credit Card
NatWest · Cashback · Statement Credit
This comprehensive guide covers the NatWest Reward Credit Card's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The NatWest Reward Credit Card from NatWest offers cashback rewards credited directly to your statement at 2%. Top earning categories include 2% cash back at supermarkets and major retailers and more. This card has no annual fee.
Best for: Grocery, Retail, General Online, Dining
Reward Examples
Spend £1,000 on Grocery → earn £20 (2%) · 2% cash back at supermarkets and major r
Spend £1,000 on General online → earn £10 (1%) · 1% cash back on all other eligible purch
Official product page → Official rules →
Waiver: No annual fee
Reward Rules
- 2% 2% cash back at supermarkets and major retailers
- 1% 1% cash back on all other eligible purchases
Important Notes
- Monthly cashback capped at £15.00 per month.
- Requires monthly fee of £2 if not paying in full (avoidable).
- Cashback is paid as statement credit monthly.
- NatWest Reward Silver/Gold/Platinum current account holders get enhanced rates.
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
NatWest Reward Credit Card vs Similar Cards
- American Express Platinum Cashback Everyday — 5% top rate · £0
- American Express Platinum Cashback — 5% top rate · £25
- Aqua Advance — 1% top rate · £0
Maximize Your Rewards
To earn the highest rewards, use the NatWest Reward Credit Card for its bonus categories: Grocery, Retail, General Online, Dining, Fuel.