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Credit cards

Choose from our different
types of credit cards

See our credit cards

Whether you're looking to make a special purchase, go on holiday, do a balance transfer or earn a wee bit back in Rewards when you shop, we might have a credit card to suit your needs. Take a peek at our Mastercard® credit cards below.

Balance Transfer credit card

Good for - 0% on balance transfers and purchases
  • 0% on balance transfers for 20 months, from account opening (thereafter standard rates apply). To enjoy the offer you need to make your transfers within the first 3 months
  • 0% on purchases for the first 3 months (thereafter standard rates apply)
  • No balance transfer fees

To apply, you must hold a current account, savings account, credit card or mortgage with us, be a UK resident, aged 18+ and earning at least £10K per year

Representative example
19.9% p.a. (variable)
19.9% (variable)

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

The Royal Bank Credit Card

Good for - saving money on your holidays
  • No foreign transaction fees
  • Low rates on purchases and balance transfers
  • No balance transfer fees

To apply, you must be 18+ and a UK resident earning at least £10K per year

Representative example
9.9% p.a. (variable)
9.9% (variable)

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

Reward credit card

Good for - Rewards when you're shopping
  • Earn 1% back in Rewards on supermarket spend (0.5% at their petrol stations and everywhere else)
  • Get between 1-15% back at selected MyRewards retailers
  • Annual fee refunded if you have a Reward current account

To apply, you must be 18+ and a mainland UK resident earning at least £10K per year

Representative example
18.9% p.a. (variable)
23.7% (variable)
£24 Or £0 if you have a Reward current account.

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

Reward Black credit card

Good for - Rewards at home and abroad
  • No foreign transaction fees
  • 1% back in Rewards on supermarket spend (0.5% at their petrol stations and everywhere else)
  • Annual fee refunded if you have a Reward Black current account

To apply, you must be 18+ and a mainland UK resident earning at least £15K per year

Representative example
18.9% p.a. (variable)
37.1% (variable)
£84 Or £0 if you have a Reward Black current account.

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

Student credit card

Good for - support when you're studying
  • A safety net while you're busy studying
  • Maximum credit limit of £500
  • Helps to build your credit profile for future borrowing

To apply, you must be 18+, a UK resident and have a Royal Bank Student current account

Representative example
18.9% p.a. (variable)
18.9% (variable)

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

There's no need to chance it

Our eligibility checker allows you to find out whether you'll be accepted before you apply with us. It takes around 2 minutes and it won't harm your credit rating.

Other things we can help with

Keep track of an existing credit card

Our existing credit cards hub will help you get the most out of your existing Royal Bank card. From making a payment to finding out how to change your card, it's all here in one place.

A simple guide to credit cards

If you want a bit more detail on how credit cards work, take a wee wander 'round our credit cards guide. We'll help you understand the basics and give some guidance on the important stuff to remember.

What people ask about our credit cards

Can we help with anything else?