Royal Bank of Scotland
Balance Transfer Credit Card
- Rep. APR24.9%
- 0% purchases3 months
- 0% transfersUp to 11 months0% fee
- Annual fee£0
- Foreign fee—
Royal Bank of Scotland credit cards
We track 7 Royal Bank of Scotland credit cards, covering balance transfer, 0% purchase, cashback, rewards & travel, credit builder, low apr cards. Figures are taken from rbs.co.uk.
Royal Bank of Scotland
Credit Builder Credit Card
- Rep. APR34.9%
- 0% purchases—
- 0% transfers—
- Annual fee£0
- Foreign fee—
Royal Bank of Scotland
Longer Balance Transfer Card
- Rep. APR24.9%
- 0% purchases3 months
- 0% transfersUp to 36 months3.1% fee
- Annual fee£0
- Foreign fee—
Royal Bank of Scotland
Purchase & Balance Transfer Card
- Rep. APR24.9%
- 0% purchasesUp to 23 months
- 0% transfersUp to 21 months3.49% fee
- Annual fee£0
- Foreign fee—
Royal Bank of Scotland
Reward Black Credit Card
- Rep. APR40.7%
- 0% purchases—
- 0% transfers—
- Annual fee£84/year
- Foreign fee0%
Royal Bank of Scotland
Reward Credit Card
- Rep. APR31.0%
- 0% purchases—
- 0% transfers—
- Annual fee£24/year
- Foreign fee—
Royal Bank of Scotland
The Royal Bank Credit Card
- Rep. APR12.9%
- 0% purchases—
- 0% transfers—
- Annual fee£0
- Foreign fee0%
Guides for Royal Bank of Scotland cards
Building creditYour First Credit Card (UK): A Guide for Students and First-Time Borrowers
How to get your first UK credit card with little or no credit history: who can apply, credit-builder cards, eligibility checks, limits and habits that
Updated 30 October 2026Balance transfersWhat Happens When Your 0% Credit Card Deal Ends?What happens when a 0% balance transfer or purchase deal ends on a UK credit card, what rate applies next, and your options to avoid high interest.
Updated 30 October 2026Rewards & travelUsing a Credit Card Abroad: Fees, Exchange Rates and How to SaveUsing a UK credit card abroad: foreign transaction fees, why to pay in local currency, cash withdrawal costs and how travel cards can help.
Updated 30 October 2026