For most of the cards (excluding its Student credit card), in order to successfully apply you need to have a good credit score and an annual income of at least £10,000. Can I check whether I might be eligible for an RBS credit card without it affecting my credit rating? A lot of products are tailored to if you already bank with Royal Bank of Scotland. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. We’re firm believers in the Golden Rule. Level 2, 20 St Thomas St, The best ways to spend less on entertainment, read more about our ratings and page sort here, Click here to learn more about why and how we work with partners, The best 0% balance transfer credit cards, The best no-fee 0% balance transfer credit cards, The best Royal Bank of Scotland credit cards, Chance to establish good credit practices, 0% interest for 18 months (starting from account opening) on balance transfers made in the first 3 months, 0% interest on purchases over the first 3 months, Note: You must be a current Royal Bank of Scotland customer (current account, savings account, credit card or mortgage), be a UK resident and make at least £10k per year to apply, Even lower balance transfer rate of 6.9% for qualified applicants, To apply, you must be 18+, earning at least £10,000 per year and a UK resident, 1% rewards for spending at supermarkets, 0.5% for spending everywhere else, Special offers of 1%-15% rewards for some MyRewards retailers, The annual fee is refunded if you have a Reward current account. Find out how to earn and redeem points and the pros and cons of this reward scheme. accurate but you should confirm any information with the product or Our commitment to you is complete honesty: We will never allow advertisers to influence our opinion of offers that appear on this site. Once you’ve compared your options above and want to know if you’re likely to be approved, RBS offers a quick search tool that won’t affect your credit rating. Depending on your own circumstances, you’ll have four different types of RBS cards to choose from including balanced, rewards, premium and student cards. Our free Cards OnLine management system helps you keep track of your Royal Bank of Scotland credit and charge card balances, statements and transactions. * This is an offer from one of our affiliate partners. That latter point — offering compelling deals to its existing customer base — is really where Royal Bank of Scotland’s strength lies. The Reward Black Card offers fee-free overseas spending and earns points that can be exchanged for cash, vouchers or charitable donations. We do not cover all offers on the market. Min. RBS credit cards are issued by Mastercard, one of the biggest credit card providers in the world. Designed to be straightforward but versatile, “balanced” cards usually offer a single low rate on purchases and balance transfers. Is there really such a thing as passive investments? If you have been made the subject of a CCJ you may not be accepted. To apply you must be a UK resident aged 18 or over and maintain a business bank account in the same legal entity name with Royal Bank. Additional card holders. RBS is part of the Royal Bank of Scotland Group which also owns NatWest and Ulster Bank – don’t be surprised if, when you’re comparing credit cards, the RBS, NatWest and Ulster Bank products seem eerily similar. £84 per annum. If you already bank with RBS but have card debt elsewhere, this deal lets you transfer the balance to RBS and enjoy a long interest-free period. Anders als die Charge-Card oder die Girocard verfügt die Credit-Card, auch als Revolving-Card bekannt, über einen echten Kreditrahmen. The Motley Fool Ltd is an appointed representative of Richdale Brokers & Financial Services Ltd who are authorised and regulated by the FCA (FRN: 422737) In this capacity we are permitted to act as a credit-broker, not a lender, for consumer credit products. How to choose a business credit card . Likewise, there are no fees on its reward cards if you have a corresponding current account and you are looking at a series of attractive offerings. It has around 700 branches, based mainly in Scotland. For those that are, this could be a good way to bring existing credit card debt all to one place and get 1.5 years of 0% interest to pay it down. Geek Squad® purchase must be associated with qualifying product(s). Find out where you’ll earn cashback and how much you could pocket with this rewards card rom RBS. Submit an application for a Best Buy credit card now. Can I use buy now, pay later apps like Klarna to improve my credit? I cancelled and destroyed it in exasperation. MyWalletHero, Fool and The Motley Fool are all trading names of The Motley Fool Ltd. VAT Number: 188035783. service provider and read the information they can provide. Compare some of our picks for the best premium credit cards options in … Also, student credit card by RBS helps you to strengthen your credit rating if you clear your balance each month. Can I retire at 60 and claim State Pension? 0% interest for 18 months from account opening on balance transfers made in the first 3 months. Even with the best business credit card offers, your business credit card will come with the same charges as other credit cards. If it’s good news, and you decide to actually apply, then there will be a “hard search” of your credit file at that point (which has a slight negative impact on your score). daily, The Royal Bank Balance Transfer Credit Card (eligibility criteria apply), Royal Bank of Scotland Student Credit Card Mastercard, Royal Bank of Scotland Longer Balance Transfer Credit Card Mastercard, Royal Bank of Scotland Reward Credit Card Mastercard, Royal Bank of Scotland Reward Black Credit Card Mastercard. I held an RBS credit some 4years ago but every time I tried to use it abroad RBS refused it despite it having been used for booking relevant airline or ferry tickets. It looks after its existing customers and seeks to reward them through its credit card portfolio. The RBS Business Credit Card has a 5* Moneyfacts rating, so you can select the card with confidence. Credit cards are important for things like making hotel reservations, car rentals, or online purchases. Why use my card number? Bear in mind that if you’ve been declared bankrupt or have a County Court Judgement against your name, it’s unlikely that you’ll be successful. unsure you should get independent advice before you apply for any Its balance transfer card doesn’t have a fee, which, considering the average balance transfer fee is around 3%, could be a significant saving if you are looking for a balance transfer offer. Should you require advice you should speak to a qualified financial adviser. Its most attractive deals are only available to those who already bank with Royal Bank of Scotland. Start the new year right with a 52-week savings challenge! 1% Rewards earned on supermarket spend and 0.25% at their petrol stations, at least 1% Rewards earned at MyRewards retailers and 0.25% everywhere else when shopping at home and abroad. For its Reward Black card this increases to £15,000 per year. Premium credit cards offer impressive rewards and benefits for those with a strong credit score. In his spare time Chris likes forcing his kids to exercise more. Unlike the headline-grabbing cards of its rivals, which offer a rate of 0% for a set number of months after which a much higher rate kicks in, RBS’s card offers a low rate, indefinitely (although it’s not fixed).Learn more about low rate cards. Data indicated here is updated This includes fees for going over your credit limit, missing a repayment or withdrawing cash. In May 2020, we surveyed the general public about their credit card providers. Plus information regarding any existing products you hold with Royal Bank of Scotland. Consider your own circumstances when you compare products so you get what 's right for!... Reverting to 19.9 % p.a transactions or inactivity can track - that 's not every on. Finding the right credit card for Royal Bank customers charge high-interest rates could be when. With qualifying product ( s ) of lenders the corresponding current account with the tools you to. 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