Reward Credit Card - Rewards - Royal Financial of Scotland

Reward credit card

The card that rewards you for shopping

Representative 23.7% APR (variable)

Annual fee applies - refunded if you have a Reward current account

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To apply, you must be a mainland UK resident, 18+ and earn at least £10K per year

Why this credit card?


Earn 1% Rewards in supermarkets (0.5% at their petrol stations)

1% or more at MyRewards retailers

0.5% everywhere else you shop, anywhere in the world!

Earn 10% in Rewards (£25 max) when you spend online at Zara, Top Shop, ASOS and more during June.

Annual fee refunded when you have a Reward current account

For our latest Rewards offers, see our seasonal Rewards calendar >

"How much will I earn in Rewards?" - Rewards explained

Whenever you spend using your Reward credit card, you’ll earn points known as Rewards. Some credit card providers place a limit on how many rewards you can earn, but we don’t. It’s simple - 5.00 in Rewards equals £5 when redeemed.


As soon as your available Rewards balance is the equivalent of £5 or more, you can convert them to money into your bank account, gift cards from our selected partner retailers or charitable donations to our selected charities.


Did you know the average customer earns £83 of Reward in a year?


Use our online calculator to get an indication of how much you’ll earn based on your own spending.

Calculate my Rewards

(Average Rewards based on a monthly spend of £1175 on our Rewards cards)

More about the annual fee and annual fee refund

We'll refund the annual fee for your Reward credit card if you also have a Reward current account. 

Monthly fee and eligibility criteria apply to the Reward current account range.


Annual fee

We’ll charge a £24 annual fee when you first use your Reward credit card account (for example, by making a purchase or a balance transfer) and then each following year on the anniversary of that date.



Annual fee refund

If you hold or open one of our Reward or Reward Black current accounts, we’ll refund any annual fees that are charged to your Reward credit card account while the current account remains open.  Each annual fee and refund will show on the same monthly credit card statement.

We’ll not refund all or part of any annual fee charged to your credit card account before you open a Reward or Reward Black current account, or after it is closed.

Our Reward and Reward Black current accounts include Reward, Reward Silver, Reward Platinum and Reward Black. To get these current accounts, you need to be aged 18 or over and UK resident, plus additional criteria apply for Reward Black. Monthly fees apply.


Representative Example

Purchase rate


p.a. (variable)

Representative APR



Assumed credit limit


Annual fee


Your actual credit limit and APR will vary depending on our credit assessment of you.

You may receive higher than our standard purchase and balance transfer rate of 18.9% p.a. (variable) upon application - up to 26.9% p.a. (variable). Interest on fees and charges is payable in line with our terms and conditions. See the summary box document 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.

Ready to apply?

The application should take around 10 minutes.

Apply now Or see if you're eligible without affecting your credit rating
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