Credit cards

Choose from our simple
range of credit cards

See our credit cards

Whether you're doing a balance transfer, making a big purchase, going on holiday or looking to earn a wee bit back in Rewards when you shop, we could have a credit card to suit your needs.

Balance Transfer credit card

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

Good for - 0% on purchases and balance transfers

0% for 23 months on balance transfers made within the first 3 months (standard rates apply thereafter)

No fees for balance transfers

0% interest on things you buy for the first 3 months (standard rates apply thereafter)

Representative Example

Purchase rate: 19.9% p.a. (variable) Representative APR: 19.9% APR (variable) Assumed credit limit: £1200 Annual fee: £0

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

The Royal Bank Credit Card

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

Good for - saving money on holiday

No foreign transaction fees

A low rate on purchases 

No balance transfer fees

Representative Example

Purchase rate: 9.9% p.a. (variable) Representative APR: 9.9% APR (variable) Assumed credit limit: £1200 Annual fee: £0

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

Reward credit card

Representative 23.7% APR (variable)

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

Good for - Rewards when you shop

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

Representative Example

Purchase rate: 18.9% p.a. (variable) Representative APR: 23.7% APR (variable) Assumed credit limit: £1200 Annual fee: £24

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

Reward Black credit card

Representative 37.1% APR (variable)

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

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

Representative Example

Purchase rate: 18.9% p.a. (variable) Representative APR: 37.1% APR (variable) Assumed credit limit: £1200 Annual fee: £84

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

Student credit card

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

Good for - student life

A useful safety net for student life

Maximum credit limit of £500

Build a credit profile for future borrowing

Representative Example

Purchase rate: 18.9% p.a. (variable) Representative APR: 18.9% APR (variable) Assumed credit limit: £500 Annual fee: £0

Your actual credit limit 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

Manage your 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.

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.

We offer lots of help and support when it comes to credit cards. Start by grabbing a cup of tea and reading through our guide to credit cards. This will give you an understanding of things like balance transfers, credit scoring and representative APR.

You can also start a chat with our digital assistant, Cora. She's always at hand to help, no matter what time of the day. You can grab a chat with her by selecting the 'need help?' tab on the right of this page or by visiting our Support Centre.

 

Can we help with anything else?