Reward Credit Card - Rewards - Royal Bank of Scotland

The Reward credit card

Rewarding you for your everyday spend with no limit to the Rewards you can earn

Representative 23.7% APR (variable).

Annual fee applies

When you use the Reward credit card, you always get part of your spend back in Rewards. The average customer earns £83 of Rewards a year.

The £83 Rewards figure is based on an average monthly spend of £1,175 on our Reward credit cards.

What makes this card different?


Some credit card providers place a limit on how many rewards you can earn. What's great about the Reward credit card is there's no limit to the Rewards you can earn. The more you use it, the more you'll earn.  


5.00 Rewards = £5.00 when redeemed


Everyday Rewards:



Plus we'll refund the annual fee if you also have a Reward current account

(available to over 18's and UK residents only. Monthly fee applies and additional criteria apply for Reward Black)


Icon expand Find out more about the annual fee and annual fee refund

Annual fee

We’ll charge a £24 annual fee when you first use your Reward 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 or Reward Black current accounts, we’ll refund any annual fees that are charged to your Reward 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 or Reward Black current account, or after it is closed.

Our Reward and Reward Black current accounts include Reward, Reward Silver, Reward Platinum and Reward Black. To get these current accounts, you need to be aged 18 or over and UK resident, plus additional criteria apply for Reward Black. Monthly fees apply.

Representative Example

Purchase rate


p.a. (variable)

Representative APR


APR (variable)

Assumed credit limit


Annual Fee


Your actual credit limit and APR will vary depending on our credit assessment of you.

To apply you must be earning over £10k p.a., be resident in mainland UK and over 18 years old.  You may receive higher than our standard purchase and balance transfer rate of 18.9% p.a. (variable) upon application - up to 26.9% p.a. (variable).  Interest on fees and charges is payable in line with our terms and conditions.  See the summary box for more details.  Always aim to pay off your credit card balance every month to make sure the benefit of Rewards outweighs any interest costs.  

Please download and read these documents before applying.

Summary Box (PDF, 57KB)

Sample Credit Card Agreement (PDF, 79KB)

Apply now Check if you're eligible
It's really rewarding - did you know the average customer earns £83 of Rewards a year?

Excellent news if you’re a regular credit card user – it means you’ll continually get a little something back for purchases you’re already making. But don't just take our word for it...

The £83 Rewards figure is based on an average monthly spend of £1,175 on our Reward credit cards.

Find out how many Rewards you could earn using our online calculator
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).

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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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