Reward Black credit card

A credit card that Rewards
you at home and abroad

Representative 37.1% APR (variable)

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.

Will I be accepted for this credit card?

Representative example

Purchase rate

p.a (variable)

Representative APR


Assumed credit limit


Annual fee


Managing your credit card


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

Our mobile app is available to customers with Digital Banking, compatible iOS and Android devices and a UK or international mobile number in specific countries.

Ready to apply?

Let's get started. Do you have Digital Banking with us?

icon-quickest-route-black Created with Sketch.
The quickest way

As we already know a bit about you, applying for a Reward Black credit card should be pretty easy as we can pre-fill in a lot of your application.

What you'll need

Your income, outgoings and employment details

Your digital banking log in details

A note of any cards you wish to transfer a balance from

Now for the important legal stuff

To apply, you must be

Aged 18+

A mainland UK resident

Earning at least £15k per year

Aware that this card has an annual fee (unless you have a Reward Black current account)

Important information

Please take some time to review, print and/or save the important information. By clicking that you’re ready to continue, you are confirming that you have been provided with, and have acknowledged our important documents.

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

Are you ready to continue?

Great! Looks like you're ready to get started.

Just a heads up -  we'll ask for your Digital Banking log-in details at the next step.

Register for digital banking

You'll need to sign up for digital banking with us in order to apply for the Reward Black credit card online. The good news is that it normally takes only 5 minutes.

What you'll need

You'll need your sort code and account number, and your Royal Bank of Scotland debit card if you have one.

Something else we can help you with?