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Mastercard2/4 on file
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Royal Bank Of Scotland · Mastercard

Reward Black Credit Card

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The Reward Black Credit Card is a Mastercard from Royal Bank Of Scotland with an annual fee of £84, which Royal Bank Of Scotland 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 Royal Bank Of Scotland: fee waiver condition and credit requirement. Royal Bank Of Scotland’s own page is authoritative — confirm anything you rely on there before you apply.

Annual fee£84can be waivedChecked rbs.co.uk
Welcome offerNot confirmedNot published by the issuer where we checked ()
Apply on Royal Bank Of ScotlandCompare this card
Opens Royal Bank Of Scotland’s site
Ledger entry

The receipt

Every cost line we hold for the Reward Black Credit Card, exactly as recorded.

Annual fee
£84 (can be waived)Checked rbs.co.uk
Fee waiver
Annual fee refunded if you have a Reward Black current accountNot yet checked with Royal Bank Of Scotland
Supplementary card
Not confirmed
Foreign transaction
NoneChecked rbs.co.uk
Purchase APR
21.9%Checked rbs.co.uk
Income requirement
Not confirmed
Network
Mastercard
Credit needed
NoneNot yet checked with Royal Bank Of Scotland
Sign-up

The welcome offer

No welcome offer on file

We hold no published welcome offer for the Reward Black Credit Card. That may mean there isn’t one, or simply that we have not recorded it — Royal Bank Of Scotland’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 Reward Black Credit Card. Rather than print a multiplier we cannot source, this stays blank until Royal Bank Of Scotland’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 card in app with spending alerts
Next step

Ready to apply for the Reward Black Credit Card?

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

Apply nowOpens Royal Bank Of Scotland’s site
Questions

Questions about the Reward Black Credit Card

How much is the Reward Black Credit Card annual fee?

The Reward Black Credit Card has an annual fee of £84, which Royal Bank Of Scotland 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 Reward Black Credit Card earn?

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

What network is the Reward Black Credit Card on?

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

Is the Reward Black Credit Card available in United Kingdom?

Yes — the Reward Black Credit Card is issued by Royal Bank Of Scotland and is available to eligible applicants in United Kingdom. Approval depends on the issuer's own credit and income criteria.

When were the 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 Royal Bank Of Scotland: fee waiver condition and credit requirement. Not published by Royal Bank Of Scotland where we checked: welcome offer. We could not verify, so we do not print: earn rates. Check them with Royal Bank Of Scotland. Terms can change without notice, so confirm the current details with Royal Bank Of Scotland before you apply.