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

You won't pay foreign transaction fees when you use this credit card abroad

You'll get 1% back in Rewards at supermarkets and 0.5% at their petrol stations

You'll earn 1-15% back in Rewards at selected retailers

We'll refund your annual fee if you have a Reward Black current account

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

Representative example

Purchase rate

18.9%
p.a (variable)

Representative APR

37.1%
(variable)

Assumed credit limit

£1200

Annual fee

£84

Features and benefits

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. You'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.

Benefits

No foreign transaction fees

With no additional fees on transactions when you travel abroad, this card is a great way to spend when you're away.

A minimum credit limit of £5000

Our Reward Black credit card offers a minimum credit limit of £5000.

Personalised priority service

As a Reward Black customer, whenever you call us, your call will be prioritised. So whatever you need, we’re here to help, 24 hours a day, 365 days a year.

Features

Instalment Plans

Instalment Plans allow you to make regular payments against eligible individual purchases that you don’t want to pay off all at once. Please note: Instalment Plans are for existing credit card customers only. Eligibility criteria and monthly fees apply.

Ways to pay

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

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 might be a good way to spread the cost.

Add an additional cardholder

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

Costs

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.

Mobile App Features

Lock and unlock your credit card

We want to make managing your credit card simple and safe. If you have misplaced your credit card, you can lock and unlock it in the app. You can also use the app to request a PIN reminder or unblock your PIN. This feature applies to Mastercard credit cards only.

Get to know your spending habits

Setting a daily or monthly budget could help you keep an eye your credit card spending and manage your money. You can also use the app to lock and unlock certain transaction types. We’re all human, so if you accidentally go over budget, we’ll send you a notification as a wee reminder.

Manage your card whenever, wherever

Want to make a purchase on your card but you’re not sure you’ve got available credit? Not to worry, you can use the mobile app to check your balance in seconds. You can also review all your transactions, set up a direct debit, pay off your balance, manage your credit limit and much more.

Replace your credit card

Need a replacement card? No bother. If you have an iPhone, you can order a replacement for a lost or damaged credit card using the app. Select your credit card, tap ‘Manage my card’, then tap ‘Report lost, stolen or damaged’.

Let us know your travel plans

If you’re off globe-trotting, avoid those unexpected hitches by registering your travel plans through the app. This way, your card transactions are less likely to be flagged as suspicious or blocked while you’re abroad. You can create one travel plan at a time. Each travel plan can include up to seven countries and last for 90 days.

Choose paperless

Receiving your statements electronically not only means you’ll have less post cluttering your home, it means you’ll be helping reduce paper waste too. You can view up to 24 months of statements through the app and we’ll even send you an alert when they’re ready to view.

How to apply online

What you'll need

We'll ask where you've lived for the last 3 years, as well as information about your bank account, income and outgoings.

How long will it take?

The application takes around 10 minutes and you'll know whether you've been accepted or not within 5 minutes.

When will I get my card?

If your application is accepted, your card should be with you in 5-7 working days.

You can find out more about applying online by watching this short video guide.

Ready to apply?

Great. Let's get started. Are you a...

Do you have Royal Bank digital banking?

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 stuff! Looks like you’re ready to get started.

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.

What you'll need

Your address details for the last 3 years

Your income, outgoings and employment details

Your bank account details

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

Are you ready to continue?

To apply, you must be

Aged 18+

A mainland UK resident who has a UK bank account

Earning at least £15k per year

Aware that this card has an annual fee

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 stuff! Looks like you’re ready to get started.

Something else we can help you with?