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

NatWest Reward Black Credit Card

Gas & FuelGroceriesNo FX FeePremiumRewardsTravel

The NatWest Reward Black Credit Card is a Mastercard from NatWest with an annual fee of £84, which NatWest waives on this condition: “Annual fee refunded if you have a Reward Black current account”. 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 (Sep 2026), foreign transaction fee (Sep 2026), purchase APR (Sep 2026). Not yet checked with NatWest: fee waiver condition and credit requirement. NatWest’s own page is authoritative — confirm anything you rely on there before you apply.

Annual fee£84can be waivedChecked natwest.com
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 Reward Black Credit Card, exactly as recorded.

Annual fee
£84 (can be waived)Checked natwest.com
Fee waiver
Annual fee refunded if you have a Reward Black current accountNot yet checked with NatWest
Supplementary card
Not confirmed
Foreign transaction
NoneChecked natwest.com
Purchase APR
21.9%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 Reward Black Credit 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 Reward Black Credit Card. Rather than print a multiplier we cannot source, this stays blank until NatWest’s own terms give us one.

We couldn't verify this · check with the issuer
Included

Perks & benefits

Card benefits

  • No foreign transaction fee on purchases abroad
  • Generous credit limit of at least £5,000, subject to approval
  • Annual fee refunded if you have a Reward Black current account
  • Free credit score in app
  • Apple Pay or Google Pay support
  • Manage your card in the app with spending alerts
Next step

Ready to apply for the NatWest Reward Black Credit 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 Reward Black Credit Card

How much is the NatWest Reward Black Credit Card annual fee?

The NatWest Reward Black Credit Card has an annual fee of £84, which NatWest waives on this condition: “Annual fee refunded if you have a Reward Black current account”. Weigh that against the rewards and perks you will actually use.

What does the NatWest Reward Black Credit Card earn?

We could not verify the NatWest Reward Black Credit Card's earn rates, so we do not print a multiplier. Check them on NatWest's own site.

What network is the NatWest Reward Black Credit Card on?

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

Is the NatWest Reward Black Credit Card available in United Kingdom?

Yes — the NatWest Reward Black Credit 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 Reward Black Credit Card figures last checked?

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