Reward Black credit card: smarter UK spending with global benefits

Enjoy global freedom, financial control and exclusive features that make spending smarter

The Reward Black credit card isn’t just another cashback tool — it’s a complete package for those who live actively, spend wisely, and travel frequently. Whether you’re commuting to work, shopping online, or flying abroad, this card packs value into every transaction.

Now, let’s break it all down: how to make the most of it, maximise your benefits, and whether it really fits your lifestyle. Stick with us — there are a few insider tricks along the way that most users never discover.

CREDIT CARD

NatWest Reward Black

Earning Rewards No foreign transaction fees

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Reward Black credit card: A practical user guide

At its core, the Reward Black card works just like any other credit card — you spend, you repay, you build credit. But here’s where it gets better:

• Everyday Spending: 1% cashback at UK supermarkets, 0.5% at petrol stations and all other retailers.
• Foreign Spending: 0% foreign transaction fees — use it anywhere Mastercard® is accepted.
• Rewards: Accumulate points (“Rewards”) with no cap. Redeem once you’ve collected £5+.
• Mobile Control: Use the NatWest mobile app to freeze/unfreeze the card, check limits, track spending, and redeem points.
• Priority Customer Service: Black cardholders are always moved to the front of the queue.

Even your calls get answered faster — that’s a true premium experience.

Smart tips: Little-known “hacks” to boost your Rewards

Most people don’t realise they’re leaving money on the table. Here are some clever ways to earn more with this card:

• Double Dip with Retailers: Use the Reward Black card with cashback platforms like TopCashback or Quidco to stack benefits.
• Monthly Offers: Log in to the NatWest app monthly — tailored deals appear with enhanced cashback from select partners.
• Time Your Groceries: Big supermarket shops? Do them at once instead of small trips — your 1% cashback adds up faster.
• Gift Cards Strategy: Buy gift cards from supermarkets using your card — then spend those on platforms that wouldn’t usually qualify.
• Bill Payments: Where possible, pay recurring bills with your card to passively accumulate rewards.

How to maximise the full value of your card

Owning a premium card should be about more than just status — it should pay off. Here’s how:

• Travel Regularly? Ditch your old card with foreign fees. This one saves you ~£30 per £1,000 spent abroad.
• Already a NatWest customer? If you hold a Reward Black current account, the £84 annual card fee is waived.
• High Monthly Spend? Rewards are uncapped — if you spend £2,000 monthly on supermarkets and petrol, that’s roughly £180 cashback/year.

In other words, if you use it strategically, the benefits outweigh the cost significantly.

Alternatives and complementary options

If the Reward Black isn’t quite right, or you’re comparing, here are some notable alternatives in the UK:

Want both travel benefits and cashback? Many users combine the Reward Black with a no-fee debit card for ATM withdrawals abroad.

Who’s eligible – Requirements to qualify

Before applying, check if you meet the criteria:

• You must be 18 or older
• UK resident
• Minimum annual income of £15,000
• Credit score in good standing (NatWest will confirm during application)

NatWest also states the minimum credit limit is £5,000, making it suitable for moderate to high spenders.

How to apply – Step-by-step application process

Applying is straightforward, takes under 30 minutes, and won’t hurt your credit score initially.

Step 1: Visit NatWest’s official site and choose “Reward Black credit card”.
Step 2: Complete the initial eligibility check — it’s soft and has no credit score impact.
Step 3: Receive a personalised estimate of your credit limit and interest rate.
Step 4: If you decide to proceed, fill in your full application.
Step 5: Upload proof of ID and income if required.
Step 6: Wait for approval and receive your card by post in 3–5 working days.

💡 Pro Tip: Use the NatWest borrowing options tool if you’re unsure which product suits you best.

Reward Black Credit Card – FAQs (Non-obvious)

1. Can I earn Rewards on utility bills and subscriptions?

Yes, if the merchant accepts Mastercard® payments — think Netflix, Spotify, even broadband bills.

2. Is lounge access included?

No, airport lounge access is not a built-in feature of the Reward Black card — it’s a common confusion with the Reward Black current account.

3. What happens to my Rewards if I cancel the card?

You’ll have a limited time to redeem them. Make sure to convert or cash them out before closing your account.

4. Can I share this card with my partner?

Yes, you can request an additional cardholder — but only one Rewards balance is maintained across all users.

5. How is the £84 fee charged?

It’s billed annually. However, if you have a Reward Black current account, this fee is waived.

6. Can I transfer balances from other cards?

This product does not specialise in balance transfers. It’s focused more on spending rewards and travel value.

Should you apply?

The Reward Black credit card offers a strong mix of practical benefits and premium perks — ideal for professionals, travellers, and savvy spenders in the UK. If you’re someone who hates hidden fees, enjoys cashback that actually adds up, and wants a responsive banking experience, it’s worth serious consideration.

Just remember: the true value comes when you use it smartly — pay off your balance monthly, take advantage of retailer offers, and keep an eye on your Rewards via the app.

Want a smarter way to spend? Check your eligibility today — it only takes a few minutes.

CREDIT CARD

NatWest Reward Black

Earning Rewards No foreign transaction fees

APPLY NOW You will be redirected