NatWest Travel Rewards cashback rate, cap and annual fee
NatWest Travel Rewards pays 1% on travel and 0.1% on everything else.
NatWest · United Kingdom · catalogue v101
Read from NatWest's own published terms on 14 Sep 2026.
NoneAnnual fee
1%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| travel | 1.00% | —Flights, trains, car hire, ferries, buses, hotels, travel agents, cruises and campsites. |
| everything else | 0.10% | —Everything else. |
The travel rate is the real one: 1% back on "planes, trains, car rental, ferries, buses, hotel accommodation, travel agents, cruises, campsites and more", with no foreign transaction fee on purchases abroad — which on a fortnight overseas is usually worth more than the rewards. Everything else pays 0.1%, and that is the number to judge the card on. NatWest also advertises "1% to 15% at chosen partner retailers" through personalised offers; that is a rotating range on a list you do not choose, so it is described here and not priced, because a card cannot be recommended on a rate nobody can count on. No annual fee. Source: natwest.com Travel Rewards credit card page, checked 14 Sep 2026.
Questions people ask
What cashback does the NatWest Travel Rewards pay?
1% on travel and 0.1% on everything else.
Is there a cap on the NatWest Travel Rewards?
No monthly cap is published on the rates shown here.
What is the annual fee on the NatWest Travel Rewards?
No annual fee.
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. It works offline and never connects to a bank.
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