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

The representative example is a handy wee tool that banks use to help you compare the cost of borrowing in one standard format.

 

purchase rate is the interest rate charged when buying most goods or services on a credit card. If you pay off the full card balance each month, you will not be charged interest on purchases.

The Representative APR is the annual percentage rate that’s used to indicate the full cost of borrowing from us. This includes any up-front fees spread over a year.

The assumed credit limit is a guide limit we need to quote when we’re explaining the typical costs within the representative example. We’ve used £1200 as a guide, like other lenders, but the actual credit limit you receive will depend on your circumstances.

The annual fee simply confirms the fee you’ll pay annually as part of your agreement with us. You’ll be charged this when you first use the card, and annually on the same date every year thereafter. Remember, we'll refund this fee for the Reward credit card if you have a Reward current account with us.

We treat all applications on an individual basis, so the APR you get is determined by your own circumstances and credit history. Most successful applicants will receive the Representative APR displayed.

The detail...

Rewards

How do Rewards work?

Whenever you pay using your Reward credit card, you’ll earn points known as Rewards. Unlike some other credit card schemes, we don't cap the amount of points you can earn.

How do Rewards work?

Our Reward scheme is really simple: 5 Reward points equals £5 when redeemed. Want to get a better idea of how many Rewards points you’ll earn, based on your own spending? We’ve created a special calculator to help you do just that.

Calculate my Rewards

Where to earn Rewards

You'll earn 1% in Rewards in supermarkets and 0.5% everywhere else. You'll also be given personalised monthly spend offers from some of our partner retailers.

Where to earn Rewards

We’ve got a list of selected retailers that will offer you at least 1% Rewards, such as Forever 21, French Connection, National Express and Europcar.

From time to time, you’ll get personalised offers with even more Rewards, up to 15%!

We’ll contact you by email to remind you of the amount of available Rewards you’ve got to spend, and the latest offers.

What you should know

All Rewards offers are subject to the retailers’ terms, conditions and exclusions

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.

How to use your Rewards

Once you’ve earned them, you’ve got options how to spend them. And this is where our Rewards are so versatile. You can either:

Bank them

Simply convert them into money and it goes into your bank account.

Trade up

Convert your Rewards into gift cards from the selected partner retailers- sometimes you’ll even get gift cards of a greater value.

Donate to charity

Use your Rewards to make a charitable donation to one of our selected charities.

Features

Transferring a balance

Some helpful information if you're planning on transferring a balance to your new card.

Balance transfers

What is a balance transfer?

A balance transfer is when you move a credit card balance from one credit card provider to another. This type of offer could help reduce your monthly credit card payments and/or clear your debt quicker.

How it works

If your application is successful, we'll contact your existing card issuers. We'll then transfer across what you owe on your old card onto your new Reward credit card. You can transfer any amount, up to 95% of your available credit limit. The minimum balance transfer amount is £100. Please note, you cannot transfer a balance from another Royal Bank of Scotland Group credit card.

What you should know

See our credit card range before you decide which of our credit cards is best to transfer a balance to.

Manage your card 24/7

From Jedburgh to John O'Groats, manage your credit card on the move with our mobile app.

Managing your card 24/7

Want to make a purchase on your card but not sure if you’ve got available credit? Just go online or use our mobile app and you can check your balance in seconds. You can also view all your transactions, see pending transactions, make payments to your card and much more.

What you should know

App available to digital banking customers with a UK or international mobile number in specific countries.

Apple Pay and Contactless

These are two convenient ways to pay using a Reward credit card.

Apple Pay and Contactless

Apple Pay allows you to make a contactless payment in shops, because all your card details are securely stored within an Apple device. You simply touch your Apple device to the card reader and hey presto! Payment made.

Learn more about Apple Pay

Remember, all our credit cards are contactless too. It’s a super quick and no-fuss way to pay for items of £30 or less.

What you should know

Apple Pay is available on selected Apple devices.

Spread the cost of your purchase

Need to buy something quite expensive and you don't want the money to come out of your current account? A credit card is a good way to spread the cost.

Spread the cost of your purchase

Like most UK credit cards, our range of cards offer 56 days interest free credit on purchases if you pay your balance (and your previous month's balance) in full and on time each month. That means if you want to make a big purchase, for example plane tickets or a new sofa, a credit card could be a good way to help you buy now and spread the cost. 

Costs

About the annual fee and annual fee refund

We'll refund the annual fee for your Reward credit card if you also have a Reward current account.

Annual fee and refund

Usually, there is an annual fee with this credit card, but if you have one of our Reward current accounts there’s no card fee.

Take a look at our Reward current account

What you should know

If you don’t have a Reward current account, we’ll charge a £24 annual fee when you first use your Reward credit card account (for example, by making a purchase or a balance transfer) and then each following year on the anniversary of that date.

Paying your credit card

There are a number of convenient ways you can make a payment to your card.

Paying your credit card

There are several ways you can pay your credit card. The most common is setting up a Direct Debit. Once you’ve set it up, the payment will be taken automatically each month. You can choose to pay the minimum amount, a fixed amount or your full credit balance every month.

You can also make a payment in the mobile app or digital banking.

Our repayment calculator will show you how much faster you might be able to clear your credit card balance if you pay more than the minimum amount.

Use our repayment calculator

What you should know

If you set up a Direct Debit for the minimum or fixed amount, the payment is claimed 25 calendar days from the statement date, or shortly afterwards.If you set up a Direct Debit for the full credit card balance, the payment is claimed 15 calendar days from the statement date, or shortly afterwards.

Other charges or fees

Some other important details you should be aware of.

Other charges or fees

Late paying

If you’re late paying, we’ll charge you a fee of £12. That’s why setting up a Direct Debit makes sense – you’ll never be late paying again. We get that little mistakes are easy to make, so if you miss your payment due date by just one day, we won't charge you the late payment fee.

Over your limit

If you go over your limit we’ll charge you a fee of £12. If you only go over your limit by £12 or less, we won’t charge you. A good way to avoid going over your limit is to log onto digital banking or fire up our mobile app and check your balance before you make your next card purchase.

For full details of fees, please see the Summary Box in the Ready to apply section below.

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 successful, 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 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

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

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.

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

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.

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

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?