Reward Credit Card - Rewards - Royal Bank of Scotland

Reward credit card

Reward credit card

The card that rewards you for shopping

Representative 23.7% APR (variable)

Annual fee applies - refunded if you have a Reward current account

Apply now

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

Why this credit card?


Earn 1% Rewards in supermarkets and 0.5% at their petrol stations

Earn between 1% and 15% in Rewards when you spend at selected MyRewards retailers

We'll refund your annual fee if you have a Royal Bank of Scotland Reward current account

How much will I earn in Rewards? - Rewards explained

Whenever you spend using your Reward credit card, you’ll earn points known as Rewards. It’s simple - 5.00 in Rewards equals £5 when redeemed.


As soon as your available Rewards balance is the equivalent of £5 or more, you can convert them to money into your bank account, gift cards from our selected partner retailers or charitable donations to our selected charities.


Use our online calculator to get an indication of how much you’ll earn based on your own spending.

More about the annual fee and annual fee refund

We'll refund the annual fee for your Reward credit card if you also have a Reward current account. 

Monthly fee and eligibility criteria apply to the Reward current account range.


Annual fee

We’ll charge a £24 annual fee when you first use your Reward credit card account (for example, by making a purchase or a balance transfer) and then each following year on the anniversary of that date.



Annual fee refund

If you hold or open one of our Reward or Reward Black current accounts, we’ll refund any annual fees that are charged to your Reward credit card account while the current account remains open.  Each annual fee and refund will show on the same monthly credit card statement.

We’ll not refund all or part of any annual fee charged to your credit card account before you open a Reward or Reward Black current account, or after it is closed.

Our Reward and Reward Black current accounts include Reward, Reward Silver, Reward Platinum and Reward Black. To get these current accounts, you need to be aged 18 or over and UK resident, plus additional criteria apply for Reward Black. Monthly fees apply.


Representative Example

Purchase rate


p.a. (variable)

Representative APR



Assumed credit limit


Annual fee


  What do these numbers mean?

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

You may receive higher than our standard purchase and balance transfer rate of 18.9% p.a. (variable) upon application - up to 27.9% p.a. (variable). Interest on fees and charges is payable in line with our terms and conditions. See the summary box document for more details. Always aim to pay off your credit card balance every month to make sure the benefit of Rewards outweighs any interest costs.

Ready to apply?

The application should take around 10 minutes.

Apply now Or see if you're eligible without affecting your credit rating
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