
A credit card that rewards you at home and abroad
Representative 40.7% APR (variable)
Pack some Rewards alongside your flip flops
Use this credit card abroad and you'll pay no foreign transaction fees
Benefit from 1% back in Rewards at supermarkets and 0.5% on spending at their petrol stations
Get 1-15% back in Rewards at selected retailers and 0.5% everywhere else
You won't pay an annual fee if you have a Reward Black current account
As a Reward Black customer, your calls will be prioritised. So whatever you need, we're here to help all year round
Use worldwide at Mastercard® locations, in-store and online
Check your eligibility
We'll tell you if you'll be approved for this card and your indicative credit limit at the start of your application, with no impact on your credit score.
Your actual credit limit may vary depending on our credit assessment of you.
Interest on fees and charges is payable in line with our terms and conditions. See the Summary Box for more details. Always aim to pay off your credit card balance every month to make sure the benefit of Rewards outweighs any interest costs.
Managing your credit card
Rewards OpenClose
How do Rewards work?
Where to earn Rewards
Where to earn Rewards
As well as 1% back at supermarkets, there's lots of places where you'll earn increased Rewards. Places like Harvey Nichols, National Express and Europcar. And from time to time, we'll email you to tell you about some personalised offers of up to 15% at selected retailers.
Things to remember
All Rewards offers are subject to the retailers’ terms, conditions and exclusions.
How to use your Rewards
How to use your Rewards
Once you’ve earned them, it's up to you to decide what to do with them. You can either:
Bank them
Pay them straight into your bank account.
Trade up
Change your Rewards into gift cards from the selected partner retailers.
Donate to charity
Give them to one of our selected charities.
Costs OpenClose
About the annual fee and annual fee refund
Annual fee and refund
Usually, there is an annual fee with this credit card, but if you have our Reward Black current account there’s no card fee.
Have a look at our Reward Black current account
Things to remember
If you don’t have a Reward Black current account, we’ll charge a £84 annual fee when you first use your Reward Black credit card account (for example, by making a purchase or a balance transfer) and then each following year on the anniversary of that date.
Paying your credit card
Paying your credit card
The most common way to pay is by Direct Debit. Once you’ve set it up, the payment will be taken automatically each month from your chosen bank account. You can choose to pay the minimum amount, the minimum payment plus, a fixed amount or your full credit balance every month.
You can also make a payment in the mobile app or digital banking.
If you want to understand how quickly you could clear your balance, use our repayment calculator.
Things to remember
If you set up a Direct Debit for the minimum, minimum payment plus, fixed or full amount, the payment is claimed 25 calendar days from the statement date, or shortly afterwards.
Other charges or fees
Other charges or fees
Late paying
If you’re late paying, we’ll charge you a fee of £12. That’s why setting up a Direct Debit might be a good idea – it means you’ll never be late paying again.
We're all human, so if you do miss your payment due date by just one day, we won't charge you the late payment fee.
Over your limit
If you go over your agreed limit by more than £12, we’ll charge you a fee of £12. Using our mobile app or digital banking is a really good way to make sure this never happens.
Things to remember
For full details, please see the Summary Box in the Ready to apply section below.
Card Features OpenClose
Spread the cost of your purchase
Spread the cost of your purchase
Like most UK credit cards, our range of cards offer 56 days interest free credit on purchases if you pay your balance (and your previous month's balance) in full and on time each month. That means if you want to make a large purchase, for example a holiday or a new gadget, a credit card could be a good way to help you buy now and spread the cost.
Instalment Plans
You will need the Royal Bank mobile app to set up, track and manage an Instalment Plan. Then, you can repay eligible credit card purchases or expired 0% balance transfer offers between £100 and £3000 inclusive. If Instalment Plans are available to you, we’ll let you know via our mobile banking app by adding an ‘eligible instalment plan flag’ to your transaction, or as a notification when your 0% balance transfer offer has expired.
With an Instalment Plan, you can:
- Pay back your purchase over a set period that suits you. This can be between 3 to 24 months.
- Avoid interest and pay a set fee each month instead. The fee could end up being cheaper than your standard credit card interest rate.
- Make an easy repayment budget by avoiding hidden costs.
Learn more about Instalment Plans and how to create one
What you should keep in mind
- Instalment Plans are for existing credit card customers only, eligibility criteria and monthly fees apply.
- To be eligible your transaction needs to be either on your latest statement or applied to your account since your last statement was produced. You cannot have a cash balance on your credit card account.
- Your monthly payments and fee will vary according to the size of your purchase and how long you’re taking out the plan for.
- The Instalment Plan counts as existing credit limit, which means you can’t free up additional funds by moving a purchase to an Instalment Plan. The Instalment Plan should be lower than your usual repayment interest on your card.
Ways to pay
Ways to pay
Apple Pay and Google Pay™ allow you to make a contactless payment in shops, because all your card details are securely stored within your device. To make a payment, simply touch your device to the card reader, and you’re ready to go.
Learn more about Apple Pay
Learn more about Google Pay
Remember, all our credit cards are contactless too. It’s a super quick and hassle-free way to pay for items.
What you should know
Apple Pay is available on selected Apple devices.
Add an additional cardholder
Add an additional cardholder
Adding an additional cardholder is a good way to give a loved one access to your credit card account, providing they are aged 18 years or over. It won’t change how your card works, but it could be a flexible way of sharing access to your account.
How does it work?
The additional cardholder can use the card as normal, but the main cardholder has complete control over the account and can cancel their access at any time. If you request this service as part of your application, we’ll post their card to you.
Things to remember
The principle cardholder will continue to be liable for all spending on the account - including any spending by the additional cardholder - and for making monthly payments on time.
Additional cardholders must be 18+ and a UK resident.
You can add up to three in total, but only one as part of your application.
Mobile App Features OpenClose
Lock and unlock your credit card
Lock and unlock your credit card
We want to make managing your credit card simple and safe. If you have misplaced your credit card, you can lock and unlock it in the app. You can also use the app to request a PIN reminder or unblock your PIN. This feature applies to Mastercard credit cards only.
Get to know your spending habits
Get to know your spending habits
Setting a daily or monthly budget could help you manage your spending. You can also use the app to lock certain transaction types. If you accidentally go over budget, we’ll send you a notification as a wee reminder. Managing your card is simple too - you can set up a direct debit, check or pay off your balance, adjust your credit limit and much more.
Keep an eye on your credit score
Keep an eye on your credit score
You can get your credit score and view some of the key details that help to calculate your score all for free in the app, so it's easier to plan ahead. You can find it within your Profile and check it as many times as you like without it affecting your credit score. Credit score is available once opted in through the app, to customers aged 18+ with a UK address, and is provided by TransUnion.
Replace your credit card
Let us know your travel plans
Let us know your travel plans
If you’re off globe-trotting, avoid those unexpected hitches by registering your travel plans through the app. This way, your card transactions are less likely to be flagged as suspicious or blocked while you’re abroad. You can create one travel plan at a time. Each travel plan can include up to seven countries and last for 90 days.
What you should know
Get ready to apply
We'll check your eligibility at the start
We'll ask a couple of questions about you to get started so we can let you know if you'll be approved and the indicative credit limit and interest rate you'll receive.
Don't worry - this doesn't have an impact on your credit score until you decide you want to go ahead with your application.
Please read these important documents
Please take some time to read the important information. By clicking 'Start my application' below, you are confirming that you have been provided with, and have acknowledged our important documents.
Global Header Navigation
Reward Black credit card - FAQs
Applying for a credit card is a quick and easy process. In most cases, your application will be complete in under 30 minutes. We've put together a step-by-step guide on how to apply for a credit card in the UK.
Here are the most common proof of ID and address documents we accept.
Proof of ID documents:
- Driver's Licence (UK/EU/EEA)
- UK passport, Foreign passport & Visa
- EU and EEA National Identity Card
Proof of address documents:
- Driver's Licence
- UK utility bill (gas, electricity, water, home telephone)
- Bank/Building Society statement
- Council tax bill
If you're a new customer, we have to confirm your identity to make sure we’re opening the account for the right person. We do this through our trusted online identification and security partner Mitek.
Mitek can quickly and safely verify people from all over the world using digital footprints, ID document authentication and facial biometrics*. It’s not only safer, it also speeds up the application process meaning your account is opened faster.
This way, we can check you are you, while keeping your details completely safe and secure.
*If you'd prefer to progress without sharing biometric data, you'll need to apply for this card by calling our specialist team. This means you may wait a little longer to get your account open. You can call us on 03453 073 704. Relay UK: 18001 03453 073 704. Monday - Friday 8am-8pm, Saturday 9am - 3pm, Sunday closed. Excluding public holidays.