You are one step away from the NatWest Reward 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
Rewards cardAnnual feeApply online
📋 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 need a UK bank or building society current account to set up repayments.
- 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
- Retailer offers: Earn 1–15% at chosen MyRewards retailers.
- Fee refund: Annual fee refunded if you hold a NatWest Reward current account.
- App access: Track and redeem Rewards 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.