A credit-building card for existing NatWest current account customers, with a rate reduction after 12 months of good use.
Compare the representative APR, any introductory offers and fees, and see whether the card suits the way you spend and repay.
Look at the APR, how long any 0% offer lasts and the fees before you choose a card.
Benefits of the NatWest Credit Builder Credit Card
- Build your score: Responsible use can help improve your credit history.
- 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.
| Feature | Detail |
|---|---|
| Representative APR | 34.9% APR (variable) |
| Annual fee | None |
| Rate reduction | 3% less interest after 12 months of good account management |
| Eligibility | NatWest current account held for 3+ months; 18+; income of £10,000+ |
| Credit limit | Varies; representative example based on £1,200 |
Key features
Build your score: Responsible use can help improve your credit history.
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.
About National Westminster Bank Plc
National Westminster Bank Plc is an established UK card issuer, authorised and regulated in the UK. You can check eligibility and apply online.
We compare independently and then send you to the issuer’s official website to apply. We are not a lender or credit broker.
Rates, limits and offers depend on your circumstances and are set by National Westminster Bank Plc. Representative APR shown where available.