Credit cards

Our simple range makes
choosing the right credit
card dead easy

Four credit cards with four simple benefits.

We know that choosing the right credit card is easier when there's a clear benefit to each, so we've made our range nice and simple.

The Royal Bank Credit Card

Representative 9.9% APR (variable). No annual fee

Great for - low rates and saving money on holiday

 

No foreign transaction fees

Low rates on purchases and balance transfers

No balance transfer fees

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

Reward credit card

Representative 23.7% APR (variable). Annual fee applies

Great for - Rewards on your shopping spend

 

Earn 1% back in Rewards on supermarket spend and 0.5% at their petrol stations

Get between 1-15% back at selected MyRewards retailers

Earn 0.5% in Rewards everywhere else

Annual fee is refunded if you have a Reward current account

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

Reward Black credit card

Representative 37.1% APR (variable). Annual fee applies

Great for - Reward Black current account holders

 

No foreign transaction fees

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 Black current account

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

Student credit card

Representative 18.9% APR (variable). No annual fee

Great for - helping with student finances


A useful safety net for student life

Maximum credit limit of £500

Build a credit profile for future borrowing

You must have a Royal Bank Student current account, be 18+ and a UK resident

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

Manage your existing credit card

Our existing credit cards hub will help you get the most of your existing Royal Bank credit 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 wee bit more detail on how credit cards work, our credit card guide is a great place to visit. We'll help you understand the basics and give some guidance on the important stuff to remember.

Useful info about our credit cards

Applying online is easy, safe and secure. It takes about 10 minutes and we ask for some information about you and your finances. If you bank online with us, we'll make it even easier by pre-filling the first part of your application.

To complete your application you'll need to know:

Your address(es) for the last three years

Your income and employment details

Your bank account details

Details of any cards you wish to transfer a balance from

You can find out more about applying online by watching this short video guide.

You can manage your credit card in a way that could improve your credit score.

When you apply for borrowing, banks will look to see how you’ve managed your borrowing in the past, and so paying your credit card on time every month and staying within your credit limit can be an effective way to help your credit score. 

Our credit cards are Mastercard, which means they’re accepted all over the world. They’re also Contactless enabled, which means you can pay for purchases up to £30 at selected UK retailers without needing to enter your PIN.

If paying with your mobile phone is your thing, then we also offer Apple Pay functionality. Simple and easy.

What you should know

Apple Pay is available on selected Apple devices.

Can we help with anything else?