NatWest credit cards come with clear benefits. The headline feature is a generous 0% balance transfer period of up to 35 months on selected cards, with a representative APR starting from 12.9% on certain offers. Customers may receive a credit limit of up to £1,200, subject to credit assessment, with no annual fee required on some cards. Applicants must be UK residents, aged 18 or over, and earn at least £10,000 per year (or £15,000 for some premium cards).

How to Apply for a NatWest Credit Card

• First, select your preferred NatWest credit card based on your needs.
• Use the eligibility checker to ensure you’re likely to be accepted without impacting your credit score.
• Fill out the online application form with your personal and financial information.
• Review your personalised credit limit and APR before submitting your application.

Notable Pros

NatWest offers impressive interest-free periods on balance transfers, with some cards providing up to 35 months at 0%. This makes it easier to manage existing debt. In addition, cards have no annual fee (on most offers) and come with accessible account management via robust online and mobile banking tools. Many offers also provide rewards on everyday spending, giving additional value.

Potential Cons

There is typically a balance transfer fee of 3.49%, which could negate some interest savings for larger balances. Not all applicants may qualify for the longest 0% durations or the best APR, as these are subject to credit assessments. Some premium reward cards require a higher income, making them less accessible to everyone.

Our Verdict

For those looking to manage or consolidate debt with a long interest-free period, or earn rewards on daily purchases, NatWest credit cards stand out as strong contenders. The competitive combination of 0% transfer periods, digital banking, and fair credit limits makes NatWest a practical option, though it’s important for customers to evaluate the potential transfer fees and eligibility requirements before applying.