NatWest credit card review
What do NatWest credit cards offer?
NatWest offers competitive 0% balance transfer deals, a low-rate card with no foreign transaction fees on purchases abroad, and reward credit cards.
The NatWest Balance Transfer Credit Card Mastercard is a Which? Best Buy. It offers 14 months with no interest and has no balance transfer fee. The card has a representative APR of 24.9% (variable).
- Find out more: best credit card deals
How does NatWest compare to other providers?
NatWest achieved a customer score of 70% in our latest credit card provider satisfaction survey, coming joint 12th out of 31 providers, along with Virgin Atlantic.
- Find out more: visit our guide to the best credit card providers to read the full survey results and compare NatWest's customer score with other card providers
Is NatWest a good credit card provider?
Our survey also reveals how NatWest customers rated the provider across five categories:
| Customer satisfaction category | NatWest star rating |
|---|---|
| Customer service | |
| Application process | |
| Clarity of statement | |
| Transparency of charges and penalties | |
| Ability to manage account online or via a mobile app |
Table notes: Star ratings are out of five and show the level of satisfaction for each category. We carry out this survey annually and update our review pages accordingly. Jump to the section on how we review NatWest to find out more about our research.
Your NatWest credit card questions answered
Grace, our credit card expert, answers the top questions people have about NatWest credit cards.
Can I use a NatWest credit card abroad?
You will be able to use any NatWest credit card abroad, but some will charge foreign usage fees, so check the terms and conditions to understand the costs before you travel.
Does NatWest offer an eligibility check?
NatWest offers an eligibility checker that can tell you how likely you are to be accepted before you apply.
It does a 'soft search' of your credit file and won't impact your credit rating.
Where are NatWest credit cards accepted?
NatWest credit cards are issued on the Mastercard network so can be used in millions of places in the UK and abroad.
How we review NatWest
Here's some more information about our research and the terms we use in this review.
Which? Best Buys
To become a Which? Best Buy, a credit card has to meet a range of category-specific benchmarks set by our analysts. For example, we look at the size of the balance transfer fee as well as the 0% period on balance transfer credit cards.
Customer score
Our customer scores for credit card companies are based on an online survey of 3,775 members of the public, conducted in October 2023.
The score is calculated using a combination of overall satisfaction with the brand and the likelihood of recommending the provider to a friend.
Star ratings
We also ask credit card customers to rate brands on five categories including customer service, application process, clarity of statement, transparency of charges and ability to manage the account online or via a mobile app — so you can get an idea of the quality of service you might receive before you sign up.
Star ratings for each category are calculated independently of each other and the provider customer score.
Providers must receive a minimum sample size of 40 respondents to be included in our customer satisfaction tables.
- Find out more: Which? symbols, logos and ratings explained
Why should you trust Which? research?
We’re not influenced by third parties. We work entirely on behalf of you, the consumer – nobody else. See our statement of editorial independence for more.
Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of a provider before committing to any financial products.