Credit Builder Credit Card

Key facts
Representative APR	34.9% representative (variable)
0% on purchases	—
0% balance transfers	—
Annual fee	£0
Foreign transaction fee	—
Standard purchase rate	34.9%
Rewards / cashback	3% lower interest after 12 months if card used & paid on time
Airport lounge access	No airport lounge benefit listed on the issuer’s product page.

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Source: rbs.co.uk/credit-cards/credit-builder-credit-card.html · Last checked 30 October 2026

Figures are as published by Royal Bank of Scotland 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.