NatWest
NatWest Travel Reward Credit Card
A no-annual-fee UK travel rewards credit card from NatWest offering 1% back in Rewards on eligible travel spending, 1% to 15% back at selected partner retailers, 0.1% on other spending, and no foreign transaction fees on purchases abroad.
Highlights
Main benefits
- No annual fee
- 1% back on eligible travel spending
- 1% to 15% back at selected partner retailers
- 0.1% back on other spending
- No foreign transaction fees on purchases abroad
- Good for flights, hotels, trains, buses, cruises, car rental and travel agents
- UK resident, 18+, £10k+ yearly income required
- Representative APR 27.9% variable
Fees
Fees and charges
Joining fee
£0
Renewal fee
£0. NatWest lists this card as having no annual/yearly fee.
Annual fee waiver
Not Applicable
Who can apply
Eligibility
NatWest states applicants must be UK residents, aged 18+, and earn £10,000+ per year. Representative APR is 27.9% variable, with an assumed credit limit of £1,200.
Checklist
Documents required
- Identity details
- UK address details
- Income and employment details
- Financial information
- Bank account details
Process
How to apply
Apply online from NatWest’s official Travel Reward Credit Card page. You can also check eligibility before applying.
Value
Reward and cashback structure
Reward rate
- 1% back on eligible travel spending, including planes, trains, car rental, ferries, buses, hotel accommodation, travel agents, cruises, campsites and more.
- 1% to 15% back at chosen partner retailers.
- 0.1% back on all other spending.
Cashback
This is best described as Rewards, not direct cashback. NatWest says users earn Rewards when spending on the card. For Refpo, you can write it as “cashback-style rewards” rather than pure cashback.
Good fit
Pros
- Good travel-focused rewards rate
- No annual fee
- No FX fees on purchases abroad
- Useful for flights, hotels, car rental and trains
- Better travel value than many low-rate UK cashback cards
- Visa acceptance is wider than Amex
Watchouts
Cons
- Rewards are not pure direct cashback
- Only 0.1% on non-travel general spending
- No lounge access
- No travel insurance included
- Cash withdrawals abroad may still have fees
- Interest can wipe out rewards if not paid in full
Related
Related cards
Compare
Compare Cards
| Field | NatWest Travel Reward Credit Card | Amex Platinum Cashback Everyday Credit Card |
|---|---|---|
| Bank/provider | NatWest | American Express |
| Joining fee | £0 | £0 |
| Renewal fee |
| £0 |
| Best for | UK travellers who want rewards on travel spending and no foreign transaction fees on purchases abroad | Everyday cashback, No annual fee users, UK users who can spend £3,000+ per year, People who prefer simple cashback instead of points |
| Reward rate |
|
|
| Cashback |
|
|
| Lounge access |
| No |
| Fuel surcharge waiver | No | No |
| Welcome benefit |
|
|
| Annual fee waiver condition | Not Applicable | Not applicable because the card has no annual fee |
| Eligibility |
|
|
| Apply link | Apply | Apply |