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Reward Black credit card

A credit card that rewards you at home and abroad

Representative 40.7% APR (variable)

Available to UK residents, aged 18+ and earning at least £15K per year

Pack some Rewards alongside your flip flops

Use this credit card abroad and you'll pay no foreign transaction fees

Benefit from 1% back in Rewards at supermarkets and 0.5% on spending at their petrol stations

Get 1-15% back in Rewards at selected retailers and 0.5% everywhere else

You won't pay an annual fee if you have a Reward Black current account

As a Reward Black customer, your calls will be prioritised. So whatever you need, we're here to help all year round

Use worldwide at Mastercard® locations, in-store and online

Check your eligibility

We'll tell you if you'll be approved for this card and your indicative credit limit at the start of your application, with no impact on your credit score.

Representative example

Purchase rate

21.9%
p.a (variable)

Representative APR

40.7%
(variable)

Assumed credit limit

£1200

Annual fee

£84

Managing your credit card

Rewards

How do Rewards work?

When you pay using your Reward Black credit card, you’ll earn points known as Rewards. Some other credit card providers place a cap on the amount of points you can earn, but we don't.

Where to earn Rewards

You'll earn 1% in Rewards in supermarkets and 0.5% everywhere else. We'll also email you with personalised monthly spend offers from some of our selected retailers.

How to use your Rewards

It's easy. Once your balance has grown to at least £5, we'll give you a choice of what do with them. You can bank them, trade them or donate them to one of our chosen charities.

About the annual fee and annual fee refund

You won't pay your annual fee if you have a Reward Black current account too.

Paying your credit card

There are a number of convenient ways you can make a payment to your card.

Other charges or fees

Some important things you'll need to know about fees and charges.

Card Features

Spread the cost of your purchase

If you’re buying something expensive and you don’t want to use money from your bank account, a credit card Instalment Plan could be a good way to spread the cost.

Ways to pay

There are many convenient ways to pay using the Reward Black credit card.

Add an additional cardholder

If you'd like to give a loved one access to your credit card, this might be something to consider.

Mobile App Features

Lock and unlock your credit card

Get to know your spending habits

Keep an eye on your credit score

Replace your credit card

Let us know your travel plans

What you should know

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.

Get ready to apply

We'll check your eligibility at the start

We'll ask a couple of questions about you to get started so we can let you know if you'll be approved and the indicative credit limit and interest rate you'll receive.

Don't worry - this doesn't have an impact on your credit score until you decide you want to go ahead with your application.

Please read these important documents

Please take some time to read the important information. By clicking 'Start my application' below, you are confirming that you have been provided with, and have acknowledged our important documents.

All okay? Let's get started

Do you bank with us already?
Let us know if you already have a current account, savings account, credit card or mortgage with Royal Bank of Scotland.
What device are you using?
Are you using your mobile, or something else, to apply for a credit card?
Is our app on the device you’re using right now?
The Royal Bank of Scotland app is the easiest way for you to apply for a credit card. Do you have it on this device?

Great, let's get started

Just a heads up - you'll be asked to log into the Royal Bank of Scotland mobile app to start your credit card application.

Do you have Royal Bank of Scotland digital banking?
If you know your digital banking details we can pre-fill some of your info - making the application process faster.

Log in to start your application (please read the below carefully)

To apply, you’ll need to log in to Digital Banking, then return to our credit cards page.

How to apply:

(Please take notes or a picture of this, so you remember)

  1.  Log in to Digital Banking.
  2. Choose ‘Credit cards’ (it’s under ‘Our Products’, bottom right).
  3. You’ll return to our credit card page.
  4. Choose ‘Apply for a credit card’.
  5. Choose ‘let’s start’ (under ‘Ready to apply’).

 

Log in and apply

Let’s get you signed up for Digital Banking

You’ll need to sign up for Digital Banking with us in order to apply for a credit card. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your Royal Bank of Scotland Debit Card, if you have one.

Do you have Digital Banking?
Got Digital Banking? We’ll pre-fill some of your info – so it’s faster for you to apply.

Log in to start your application (please read the below carefully)

To apply, you’ll need to log in to Digital Banking, then return to our credit card page.

How to apply:

(Please take notes or a picture of this, so you remember!)

1.       Log in to Digital Banking.

2.       Choose ‘Credit cards’ (it’s under ‘Our Products’, bottom right).

3.       You’ll return to our credit card page.

4.       Choose ‘Apply for a credit card’.

5.       Choose ‘let’s start’ (under ‘Ready to apply’).

 

Log in and apply

Let’s get you signed up for Digital Banking

You’ll need to sign up for Digital Banking with us in order to apply for a credit card. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your Royal Bank of Scotland debit card, if you have one.

You're all set

Just a heads up, if you choose to continue with your application after we give you an indicative limit, our partner HooYu will then check your identity by matching you to your photo ID. If you don’t have your ID to hand you can finish this step later.

To find out more about HooYu and Photo ID, take a look at our FAQs below.

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Reward Black credit card - FAQs

Something else we can help you with?