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Credit cards

Do we have a card to suit your needs?

Our fairer credit cards

Clear Rate Platinum Credit Card

A simple, low rate for all purchases and balance transfers, with no balance transfer fee. Annual fee applies. 

Representative 11.1% APR (variable)


To apply you need to be aged 18 or over, UK resident and earn at least £10,000.

Find out more

Why the Clear Rate Card?

Credit cards

It's time for fairer credit cards

We are no longer offering credit cards with low introductory rates that rise suddenly when the offers expire. We believe credit cards should be more helpful for the long run so we’ve withdrawn our 0% balance transfer credit cards. It's fair, it's transparent. That's the sort of bank we want to be.

Credit card tools

Helping you decide

Use our Approval Indicator to see if you are likely to be approved for a RBS credit card. 

Or, use our budget calculator to work out how much you could pay off your credit card debt each month.

Don't get caught out

Credit cards

Is 0% really 0%? Don't get caught out

We went out and asked the public what they thought of 0% credit cards. We also asked them to guess the percentage of credit card users who failed to switch their credit card after their 0% offer ended. 

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Existing customers

Already have a RBS credit card?

Digital Banking

Manage your card in detail with Credit Card Online Services or Digital Banking.

Digital Banking
Credit Card Online Services

Mobile app

Got a RBS current account and a credit card? Manage your money with our app. 

More about the app

MasterCard offers

MasterCard customers can now make great savings on some fantastic online deals.

Find out more

Credit Card Online Services available to all personal and private RBS credit card customers.
Digital Banking available to RBS account customers who have a debit card.
Mobile app available to customers who use Digital Banking and have a UK mobile number starting 07.  

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Credit card information

Avoiding credit card fees & charges

Understand what fees and charges relate to your credit card account, and check our tips on how to avoid them. 

More about credit card fees & charges

Credit cards

Frequently asked questions

Any questions?

Credit cards

Looking for a credit card?

Our credit cards Approval Indicator
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