Rewards Calculator | NatWest

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Each year you could earn (based on average customer spend)

£

  • Regular Rewards
    £ per year

  • +
  • Special Offer Rewards £

  • Do you have a Reward current account? We'll refund the annual fee for your Reward credit card.

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. 

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

*Rewards are displayed as a cash equivalent when redeemed.

How are Rewards calculated?

You'll get rewarded when you use your Royal Bank of Scotland Reward credit card to pay for qualifying purchases.

Supermarket offers come to you direct from Royal Bank of Scotland and are not in any way endorsed, sponsored, sold or promoted by supermarkets nor is this implemented with the supermarket’s cooperation. 

5.00 Rewards = £5.00 when redeemed.

  • Can we ask some questions? We promise we'll be quick

    I Spend £
    per

    This includes everything you spend at the supermarket excluding petrol forecourts.

  • That's great! Just a few more things to ask

    I Spend £
    per
  • Thanks! Almost there

    I Spend £
    per

    It could be anything from a garden mower to new socks!

Representative 23.7% APR (variable).

Annual fee applies (but is refunded if you have a Reward current account).

*Rewards are displayed as a cash equivalent when redeemed.

How are Rewards calculated?

You'll get rewarded when you use your Royal Bank of Scotland Reward credit card to pay for qualifying purchases.

Supermarket offers come to you direct from Royal Bank of Scotland and are not in any way endorsed, sponsored, sold or promoted by supermarkets nor is this implemented with the supermarket’s cooperation. 

5.00 Rewards = £5.00 when redeemed.

Rewards Calculator | NatWest

This is how much you could earn a year

Rewards each year

I Spend £
per
£

View MyRewards retailers

"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.

 

I Spend £
per
£

I Spend £
per
£

Earn at least £

Representative example

Standard interest rate for purchases: 18.9% p.a.(variable), Representative 23.7% APR (variable) based on an assumed Credit Limit of £1,200, Annual fee: £24.

The actual APR you'll receive will depend on your circumstances and you may receive higher than our standard purchase and balance transfer rate of 18.9% p.a. (variable) upon application. Your purchase and balance transfer rate could be up to 27.9% p.a. (variable).

If you have a Reward current account we'll refund the annual credit card fee.

*Rewards are displayed as a cash equivalent when redeemed.

How are Rewards calculated?

You'll get rewarded when you use your Royal Bank of Scotland Reward credit card to pay for qualifying purchases.

Supermarket offers come to you direct from Royal Bank of Scotland and are not in any way endorsed, sponsored, sold or promoted by supermarkets nor is this implemented with the supermarket’s cooperation. 

5.00 Rewards = £5.00 when redeemed.

1%

at all supermarkets (0.5% at their petrol stations)

1%

(minimum) with selected retailers

0.5%

everywhere else

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