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

1% in Rewards on your supermarket spend (0.5% at their petrol stations)

Between 1-15% in Rewards at selected MyRewards retailers

Earn 0.5% everywhere else you shop

The card's annual fee is refunded if you have a Reward 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

23.7%
(variable)

Assumed credit limit

£1200

Annual fee

£24

Features and benefits

Rewards

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 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

Once your balance has grown to at least a fiver, we'll give you a choice of what do with them. You can either bank them in cash, trade them for vouchers or or donate them to charity.

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 credit card.

Costs

About the annual fee and annual fee refund

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

Paying your credit card

There are lots of ways you can pay your credit card every month.

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

Get to know your spending habits

Manage your card whenever, wherever

Replace your credit card

Let us know your travel plans

Choose paperless

How to apply online

What you'll need

We'll ask where you've stayed 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?

icon-quickest-route-black Created with Sketch.
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 all set and ready to go.

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.

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

Now for the important legal stuff

To apply, you must be

Aged 18+

A mainland UK resident who has a UK bank account

Earning at least £10k 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! Looks like you're all set and ready to go.

Something else we can help you with?