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Credit cards

Choose from our simple
range 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.

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 - helping you save money on balance transfers

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

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're out shopping

Earn 1% back in Rewards on what you spend in the supermarket (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 when shopping in the UK and abroad

No foreign transaction fees

1% back in Rewards on what you spend in the supermarket (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 - support while you're studying

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

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.

Frequently asked questions about our credit cards

Can we help with anything else?