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Mastercard2/4 on file
✓ Annual fee checked
NatWest · Mastercard

NatWest Credit Builder Card

Credit BuildingNo Annual FeeSecured

The NatWest Credit Builder Card is a Mastercard from NatWest with an annual fee of £0. Here is what we hold on it, and what we do not.

Not every figure here is checked

Checked against a published document: annual fee (Oct 2026), purchase APR (Sep 2026). Not yet checked with NatWest: credit requirement. NatWest’s own page is authoritative — confirm anything you rely on there before you apply.

Annual fee£0per yearChecked natwest.com
Top earn rateNot confirmedNot published by the issuer where we checked ()
Welcome offerNot confirmedNot published by the issuer where we checked ()
Apply on NatWestCompare this card
Opens NatWest’s site
Ledger entry

The receipt

Every cost line we hold for the NatWest Credit Builder Card, exactly as recorded.

Annual fee
£0Checked natwest.com
Supplementary card
Not confirmed
Foreign transaction
Not confirmedWe couldn't verify this · check with the issuer
Purchase APR
34.9%Checked natwest.com
Income requirement
Not confirmed
Network
Mastercard
Credit needed
NoneNot yet checked with NatWest
Sign-up

The welcome offer

No welcome offer on file

We hold no published welcome offer for the NatWest Credit Builder Card. That may mean there isn’t one, or simply that we have not recorded it — NatWest’s own page is the place to check.

Not published by the issuer where we checked ()
Rewards

What it earns

No earn rates on file

We hold no category earn rates for the NatWest Credit Builder Card. Rather than print a multiplier we cannot source, this stays blank until NatWest’s own terms give us one.

Not published by the issuer where we checked ()
Included

Perks & benefits

Card benefits

  • Could help build or improve your credit score
  • Pay 3% less interest after 12 months of responsible use
  • No annual fee
  • Credit limit between £250-£1,500
  • Pay with Apple Pay or Google Pay
  • Manage your card and see PIN in the app
  • Free credit score in app with tips to improve it
  • Spending alerts
Next step

Ready to apply for the NatWest Credit Builder Card?

You'll finish the application on NatWest's own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens NatWest’s site
Questions

Questions about the NatWest Credit Builder Card

How much is the NatWest Credit Builder Card annual fee?

The NatWest Credit Builder Card has an annual fee of £0. Weigh that against the rewards and perks you will actually use.

What does the NatWest Credit Builder Card earn?

NatWest does not publish category earn rates for the NatWest Credit Builder Card where we checked (October 2026), so we do not print a multiplier.

What network is the NatWest Credit Builder Card on?

The NatWest Credit Builder Card runs on the Mastercard network, which determines where it is accepted and which network-level benefits apply.

Is the NatWest Credit Builder Card available in United Kingdom?

Yes — the NatWest Credit Builder Card is issued by NatWest and is available to eligible applicants in United Kingdom. Approval depends on the issuer's own credit and income criteria.

When were the NatWest Credit Builder Card figures last checked?

We checked its annual fee in October 2026 and its purchase APR in September 2026, each against a published document. Not yet checked with NatWest: credit requirement. Not published by NatWest where we checked: earn rates and welcome offer. We could not verify, so we do not print: foreign transaction fee. Check them with NatWest. Terms can change without notice, so confirm the current details with NatWest before you apply.