Reward credit card

A credit card that Rewards
you for nipping to the shops

Representative 23.7% APR (variable)

A wee bit extra back with your weekly shop

Enjoy 1% in Rewards for your spend at the supermarket

You’ll earn 1-15% in Rewards when you shop at MyRewards retailers

Get 0.25% in Rewards for all your other spending, including at supermarket petrol stations

If you already have a Reward current account, you'll get the card's annual fee refunded

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 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 spend to earn Rewards

Every time you spend in supermarkets you earn 1% in Rewards, and you’ll earn 0.25% everywhere else. We’ve also made partnerships with selected retailers that will offer personalised monthly spend offers.

What to do with your Rewards

Using your rewards is easy. Once you reach £5, you can decide to either bank, trade or donate your points.

Understanding annual fees and annual fee refunds

If you hold a Reward current account we’ll refund the annual fee on your Reward credit card.

How to pay your credit card

We make paying your card easy by giving you choice.

Charges or fees to be aware of

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

Our Reward credit card gives you plenty of ways to pay.

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?

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The quickest way

As we already know a bit about you, applying for a Reward 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 £10k per year

Aware that this card has an annual fee (unless you have a Reward 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 you 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 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?