Have we got the right credit card for you?

Our fairer, simpler credit cards

We want to build a better bank for you. So it's goodbye to short term teaser rate that jump up when the offer ends. Also, we won't charge you a fee for missing a credit card payment by just a day. 

RTE

Your choices

Cashback Plus Credit Card

Clear Rate Platinum Credit Card

Private Black
Credit Card

Student
Credit Card

Our credit cards

RBS Cashback Plus Credit Card
Clear Rate Platinum Credit Card
RBS Private Black Credit Card
RBS Student Credit Card

Decide if it's right for you

Earn Rewards for your everyday spend.

You want a simple low rate on purchases and balance transfers.
 

You want to have a credit card that's designed for Private Black Current Account customers.

You want to have a credit card that's designed for Student Current Account customers.

Annual Percentage Rate (APR)

Representative 17.4% APR (variable)
Annual fee applies

Representative 11.1% APR (variable)
Annual fee applies

Representative 14.9% APR (variable)
No annual fee

Representative 18.9% APR (variable)
No annual fee

Application criteria

You must be a mainland UK resident, over 18 years old and earning over £10k p.a. 

You must be a UK resident, over 18 years old and earning over £10k p.a.

You must be a UK resident, over 18 years old and have a RBS Black Account.
Monthly Black Account fee and other criteria apply.

You must be a UK resident, over 18 years old and have a RBS Student Current Account. 

Likelihood of being approved

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Find out more

Full details
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Mainland UK means England, Wales, Scotland and Northern Ireland and specifically excludes the Channel Islands, the Isle of Man and Gibraltar.

The Private Black Credit Card is one of a range of benefits of the RBS Black Account. The RBS Black Account costs £24 a month. To apply for a Black Account you must have a sole income of at least £100,000 paid into your RBS account, or minimum outstanding mortgage borrowings with us of £300,000, or savings and investments of at least £100,000 held with us.

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. 

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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