Reward Black Credit Card - credit cards | Royal Bank of Scotland

Reward Black credit card

Your ideal travel companion - at home and abroad

Representative 37.1% APR (variable).

Annual fee applies

To apply you need to be a mainland UK resident, aged over 18 and earn at least £15,000 p.a.



Substantial spending power with some special travel benefits

No foreign transaction fees

If you're a frequent traveller the Reward Black credit card could save you money. There are no foreign transaction fees so if you're being charged for your spending whilst overseas, Reward Black could help you make even more of your money

Earn Rewards on your everyday spending  

With Reward Black you earn with every pound you spend:

  • 1% Rewards on all supermarket spend (0.5% at their petrol stations)
  • 1% when you spend at MyRewards retailers
  • Earn 0.5% everywhere else you shop

Learn more here.

Personalised Priority Servicing

As a Reward Black customer, when you call, your call will be prioritised. Whatever you need, our team is here to help, 24 hours a day, 365 days a year.

Have your annual fee refunded

We'll refund the annual fee for your Reward Black credit card if you also have a Reward Black current account. Monthly fee and eligibility criteria apply to the Reward Black current account.

No balance transfer fee

Transfer an existing balance of up to 95% of your credit limit, fee free.


This is a picture of the Cashback Plus black credit card

Find out more about the annual fee and fee refund

Annual fee

We’ll charge a £84 annual fee when you first use your Reward Black credit card account (for example, by making a purchase or a balance transfer) and then each following year on the anniversary of that date.

Annual fee refund

If you hold or open one of our Reward Black current accounts, we’ll refund any annual fees that are charged to your Reward Black credit card account while the current account remains open.  Each annual fee and refund will show on the same monthly credit card statement.

We’ll not refund all or part of any annual fee charged to your credit card account before you open a Reward Black current account, or after it is closed.

To get a Reward Black current account, you need to be aged 18 or over and UK resident, with either (i) £100,000 of annual personal income (paid into the current account); (ii) a Royal Bank of Scotland mortgage of at least £300,000; or (iii) £100,000 of Royal Bank of Scotland savings and investments.  £28 monthly fee applies.

Representative Example

Purchase rate


p.a. (variable)

Representative APR



Assumed credit limit


Annual fee


Your credit limit may vary depending on our credit assessment of you.

Interest on fees and charges is payable in line with our terms and conditions. See Summary Box for full details. Always aim to pay off your credit card balance every month to make sure the benefit of Rewards outweighs any interest costs.  

Apply now Check if you're likely to be approved

Please download and read these documents before applying.

Summary Box (PDF, 59KB)

Sample Credit Card Agreement (PDF, 97KB)

How does Reward work?

As part of your credit card application, your credit card will be automatically enrolled into the MyRewards programme. There's no need to change where you shop or what you like to buy - the Reward Black Credit Card gives you Rewards for every purchase.

You'll also earn 1% of your spend back in Rewards every time you use your card to pay for qualifying purchases at any of our MyRewards retailers, shown below.

5.00 Rewards = £5.00 when redeemed

Supermarket offers come to you direct from Royal Bank of Scotland and are not in any way endorsed, sponsored, sold or promoted by supermarkets nor is this implemented with supermarket's cooperation. 

You can redeem your rewards in the following ways:


 Bank it

Change your Rewards into money that you can transfer to your current account to spend however you like.

 Trade Up

Exchange your Rewards for gift cards or tickets from selected retailers.


Change your Rewards into money which is donated to one of our chosen charities: Barnardo’s, Cancer Research UK, Macmillan Cancer Support and the NSPCC.

Get at least 1% Rewards through these retailers


All Rewards are subject to the retailers' terms and conditions. Retailer exclusions may apply. See the Retailer Exclusions (link opens in a new window).

Our Cashback Plus retailers

Our Cashback Plus retailers

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The Royal Bank of Scotland plc, registered in Scotland no. 90312. Registered office: 36 St Andrew Square, Edinburgh, EH2 2YB.

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