You are one step away from the NatWest Credit Builder Credit Card. Check the eligibility criteria and how the eligibility checker works before you apply.
Check each requirement below before you apply. Knowing your chances first helps protect your credit score.
An eligibility check uses a soft search, so you can see your chances without affecting your credit score.
Check first, apply with confidence
Credit builderExisting customersNo annual fee
📋 Eligibility
- Age: You must be aged 18 or over.
- Residency: You must be a permanent UK resident with a UK address history.
- Income: You need to earn at least £10,000 a year.
- Bank account: You must have held a NatWest current account for at least 3 months.
- Credit check: A full credit check is carried out when you apply; use the eligibility checker first for a soft search.
🔍 How to check your eligibility
- Open the National Westminster Bank Plc eligibility checker or card page.
- Enter a few details about your income and address.
- See your result with a soft search before submitting a full application.
✅ Good to know
- Lower rate later: Use it, pay on time and stay within limit to cut your rate by 3%.
- No annual fee: No yearly charge to hold the card.
- Free credit score: Check your score in the NatWest app.
Your rate, credit limit and promotional period depend on the provider's credit and affordability checks; check the summary box before applying.