NatWest offers a cashback credit card designed for everyday spending. As an independent reviewer, I can highlight its potential: earn a set percentage back on your purchases, subject to eligibility for those aged 18 and over. APR and credit limits depend on individual circumstances, so do check what applies specifically to your situation. Paying your balance in full each month is always recommended to maximise the rewards and minimise interest charges.

How to Apply: Step by Step

1. Check your eligibility online. You must be aged 18 or over and a UK resident.
2. Prepare your personal and financial information for the application.
3. Submit your application through the secure online portal provided by NatWest.
4. Wait for a quick decision, often given within minutes.
5. On approval, receive your card through the post and activate it to start earning cashback.

Pros of the NatWest Cashback Credit Card

One attractive feature is money back on everyday spending—ideal for groceries, fuel or even online shopping. The rewards accumulate automatically, making it effortless to save as you spend.

Another advantage is flexible payment use, including Apple Pay and contactless. The cashback can improve your overall budget and help you get more for your money when managed wisely.

Cons of the NatWest Cashback Credit Card

Some users may face an annual or monthly fee, as well as a higher APR compared to non-reward cards. This could eat into potential earnings if balances aren’t paid off in full.

Furthermore, there might be a cap on cashback earned yearly. Always check the terms and conditions to ensure the card matches your spending habits and expectations.

Our Verdict

The NatWest Cashback Credit Card stands out for those who pay off their balances monthly and want to earn perks on daily expenditure. However, it’s wise to review fees and ensure you’ll benefit from the cashback structure. For confident, disciplined spenders, it could add notable value to your wallet.