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NatWest Reward Credit Card cashback rate, cap and annual fee

NatWest Reward Credit Card pays 1% on groceries and 0.25% on everything else. The card costs GBP 24 a year.

This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.

NatWest · United Kingdom · catalogue v103

Read from NatWest's own published terms on 1 Oct 2026.

GBP 24Annual fee
1%Best rate

What it pays, by category

SpendingRateMonthly cap
groceries1.00%—1% back in Rewards at supermarkets (not their petrol stations).
everything else0.25%—0.25% back everywhere else, including supermarket petrol stations.
1% at supermarkets, 0.25% everywhere else, paid as Rewards ("5.00 Rewards = £5 when exchanged"). £24 a year, refunded if you hold a NatWest Reward current account, which costs £2 a month. The 1% is from the card's own page; NatWest's MyRewards terms PDF says only "At least 0.25% on whatever you spend". Non-sterling fee 2.75%. Source: natwest.com Reward credit card page, summary box and MyRewards terms, read 1 Oct 2026.

Questions people ask

What cashback does the NatWest Reward Credit Card pay?

1% on groceries and 0.25% on everything else.

Is there a cap on the NatWest Reward Credit Card?

No monthly cap is published on the rates shown here.

What is the annual fee on the NatWest Reward Credit Card?

GBP 24 a year.

Knowing the rate is not the same as remembering it

PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.

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