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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.

Check your eligibility

Use our eligibility checker to find out if you'll be accepted for this credit card before you apply. It won't harm your credit rating and it takes just 2 minutes.

Representative example

Purchase rate

18.9%
p.a (variable)

Representative APR

37.1%
(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

First, let's check your eligibility

Use our free eligibility checker before you apply to see if you’re likely to be accepted. It takes just 2 minutes and there’s no impact on your credit score.

If you've already checked, you're good to move on to the legal documents below.

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 have Digital Banking with us?
You'll need to have Digital Banking to apply online with us. If you don't, we'll help you sign up easily in just 5 minutes. You could save time by applying through our mobile app if you're already set up.

You're ready to go

Just a heads up - here's what you'll need to apply:

  • Your Digital Banking login details
  • Your address details for the last 3 years
  • Your income, outgoings and employment details
  • A note of any cards you wish to transfer a balance from

Let's get you set up

You'll need to sign up for Digital Banking with us to apply for our Reward Black credit card online. The good news is that it normally takes only 5 minutes. If you need a hand, follow our step-by-step guide below.

What you'll need

  • Your sort code and account number
  • Your Royal Bank of Scotland debit card, if you have one

When you've got your new digital banking details, select 'Next' below to continue applying for this credit card.

You're ready to go

Just a heads up - here's what you'll need to apply:

  • Your Digital Banking login details
  • Your address details for the last 3 years
  • Your income, outgoings and employment details
  • A note of any cards you wish to transfer a balance from

Let's get you sorted

You’ll need your customer number, digital banking PIN and password to apply online. Choose from one of the options below and we'll help you on your way.

When you've got your new digital banking details, select 'Next' below to continue applying for this credit card.

You're ready to go

Just a heads up - here's what you'll need to apply:

  • Your Digital Banking login details
  • Your address details for the last 3 years
  • Your income, outgoings and employment details
  • A note of any cards you wish to transfer a balance from

Something else we can help you with?