NatWest Credit Card Review 2026

Details checked Aug 2026Got this card? Leave a review

Rep. APR

12.9%

Variable

Annual fee

£0

Spending abroad

Free

No foreign transaction fees

Lounge access

Not included

How you earn

No cashback or points — fee-free foreign purchases.

Using it abroad

No foreign transaction fee on purchases. 3% cash fee (min £3) on ATM withdrawals, with interest from day one. The separate NatWest Reward card still charges around 2.75%.

Converts at the Mastercard exchange rate.

See today's live travel money rates

Who can apply

Pay balance in full monthly.

You need to be a UK resident, aged aged 18+ with a minimum income of £10,000/year.

Our Expert Opinion on NatWest Credit Card

The NatWest Credit Card is best suited to people who travel and want to keep borrowing costs low, as it combines fee-free foreign purchases on the Mastercard network at practically nothing off the real exchange rate with a 12.9% APR, well below the 27.90% typical of fee-free cards. There are no rewards on spending, so I would not choose it if cashback or points matter to you. The genuine catch is ATM withdrawals abroad, which carry a 3% cash fee with a minimum of £3 and interest charged from day one.
Jan Watermann (Co-Founder)DepositScout

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