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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 - no fee to transfer a balance
  • 0% for 20 months from account opening on balance transfers made within the first 3 months, after which standard rates apply
  • No fees to transfer a balance to this credit card
  • 0% on purchases for 3 months from account opening, thereafter standard rates apply

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.

Longer Balance Transfer Card

Good for - more time to pay your balance off
  • 0% for 28 months from account opening on balance transfers made within the first 3 months, after which standard rates apply
  • 2.75% balance transfer fee applies
  • 0% on purchases for 3 months from account opening, thereafter standard rates apply

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 - low rates on spending
  • Low rates on purchases and balance transfers
  • No balance transfer fees
  • No foreign transaction fees on purchases

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

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 (0.25% 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 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

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
  • 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
  • No foreign transaction fees on purchases

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 £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 your existing credit card

Our 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, such as the different types of credit cards and give some guidance on the important stuff to remember.

Coronavirus support

If you are concerned about being unable to make your repayments on your Royal Bank of Scotland credit card, we have lots of guidance and support to help you.

What people ask about our credit cards

Can we help with anything else?