Royal Bank of Scotland RBS Reward Black Credit Card

Royal Bank of Scotland RBS Reward Black Credit Card Review 2026

Details checked Aug 2026Got this card? Leave a review

Cashback

Up to 1%

Rep. APR

40.7%

Variable

Annual fee

£84

£7 per month

Spending abroad

Free

No foreign transaction fees

Lounge access

Not included

How you earn

1% at supermarkets and 0.5% at petrol stations and elsewhere.

  • 1% supermarkets.
  • 0.5% elsewhere.
  • MyRewards partner retailer offers.
  • Also available as the NatWest Reward Black card — identical apart from branding.

Who can apply

£84 annual fee refunded with an RBS Reward Black current account.

  • You need to be a UK resident aged 18+ with minimum £15,000 income.

Our Expert Opinion on Royal Bank of Scotland RBS Reward Black Credit Card

The RBS Reward Black Credit Card suits frequent travellers who want fee-free Mastercard spending abroad, where it practically nothing off the real exchange rate and matches the best cards we have measured. The catch is the £7 per month fee and an earn rate that sits 0.24% below the typical reward card at 0.74%, so the cashback of 1% at supermarkets and 0.5% elsewhere needs to work hard to justify the cost. I would note that RBS current account holders can get the £84 annual fee refunded, which changes the maths considerably for existing customers.

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