Reward Black Credit Card

Key facts
Representative APR	40.7% representative (variable)
0% on purchases	—
0% balance transfers	—
Annual fee	£84 annual (refunded with Reward Black current account)
Foreign transaction fee	0% on purchases
Standard purchase rate	21.9%
Cash withdrawal fee	Fees on ATM/cash advances
Rewards / cashback	Rewards
Airport lounge access	The card itself doesn’t come with lounge access (the issuer says lounge access comes with the Reward Black current account).

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Source: natwest.com/credit-cards/reward-black-credit-card.html · Last checked 30 October 2026

Figures are as published by NatWest when we last checked and may have changed. The rate you’re offered depends on your circumstances. This is general information, not financial advice – read the summary box on the issuer’s site before applying.