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Cards with no sting in the tail

Introducing our fairer, simpler credit cards

Our newest credit card

 

Clear Rate Platinum Credit Card

It's our simplest credit card

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

Clear Rate Platinum Credit Card

No confusing introductory offers or fees
A simple low rate - 6.9% p.a. (variable) for all purchases and balance transfers
No balance transfer fees – just one annual fee of £24
Representative 11.1% APR (variable)

Find out more

Representative example
Representative 11.1% APR (variable) based on an assumed Credit Limit of £1,200.
Standard interest rate for purchases: 6.90% p.a. (variable), Annual fee: £24


Your actual credit limit will depend on our credit assessment of you.

 

 

Other credit cards

 

Private Black Credit Card

For Black Account holders only

To apply you must be a Black Account customer. £24 monthly Black Account fee applies. Available to UK residents aged over 18.

Private Black Credit Card

1.25 RBS YourPoints for every £1 spent on qualifying purchases
No confusing introductory offers or fees

14.9% p.a. (variable) for all purchases and balance transfers
No balance transfer fees

Find out more

Representative example
Representative 14.9% APR (variable) based on an assumed Credit Limit of £1,200.
Standard interest rate for purchases: 14.94% p.a. (variable).


Your actual credit limit will depend on our credit assessment of you.

 

Student Credit Card

For Student Account holders only

To apply you need to be over 18, a UK resident and hold a RBS Student Current Account.

Student Credit Card

No confusing introductory offers or fees
18.9% p.a. (variable) for all purchases and balance transfers
No balance transfer fees
Maximum credit limit of £500

Find out more

Representative example
Representative 18.9% APR (variable) based on an assumed Credit Limit of £500.
Standard interest rate for purchases: 18.95% p.a. (variable).


Your actual credit limit will depend on our credit assessment of you.

Approval Indicator

Check your eligibility

Simply enter a few details into our Approval Indicator tool and we'll show you how likely you are to be accepted for a RBS credit card.

Interest and balance transfers

A few things you need to know

  • Interest on fees and charges is payable in line with our terms and conditions. 
  • You can transfer balances of any amount up to 95% of your available credit limit. 

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.

Further assistance

We're here to help

Support Centre

We've tried to make choosing and applying for a credit card as easy as possible. If you require any further help, our web chat team may be able to help. You can also call or visit us in branch. 

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