New Natwest/RBS reward credit card with 0% dealReward points and 13 months interest-free

04 July 2011

RBS logo

The World MasterCard credit card from RBS and NatWest offers 13 months interest-free on both purchases and balance transfers, as well as 0.5% rewards on spending

RBS and NatWest have launched a new credit card, the World MasterCard, which offers rewards through the group's YourPoints reward programme, as well 13-month 0% deals on purchases and balance transfers.

Available online and only to RBS and NatWest current account customers, the new reward credit card pays one point for every £1 spent. 1,000 points are equivalent to £5 in rewards, a reward rate of 0.5%.

The credit card offers a 0% deal of 13 months on both purchases and balance transfers. There is a 2.9% balance transfer fee (minimum £5) and the standard APR on the card is 17.9% once the 0%-on-purchases deal has expired.

The YourPoints scheme allows customers to earn rewards on all purchases. These can be redeemed with brands including, easyJet, M&S, Boots, and Harvey Nicols. 2,500 bonus YourPoints, worth £12.50, are paid on application and every year thereafter.

Strong all-round credit card deal for existing customers

Which? credit card expert Martyn Saville commented: 'The individual elements of this NatWest/RBS credit card can be beaten by other providers. For example, other companies offer 0% balance transfer deals of up to 20 months, 0% purchase deals of up to 15 months and reward rates of up to 5% in-store and 1% elsewhere.

'However, the NatWest and RBS card could be a very good choice for anyone who wants all of these aspects in one card. The 0% deal of 13 months on both purchases and balance transfers is strong, while it is still relatively unusual for cards that offer long 0% deals to also offer rewards, so any cashback is a bonus. It would be even better if the cards were available to non-customers as well, though.'

Which? Best Rate credit cards

If you need advice to help you choose the best credit card for your needs, read the free Which? guide to choosing a credit card.

Once you know the best type of card for you, check out Which? Best Rate credit cards to find the most competitive deal available today, whether it's a reward credit card, a cashback card or the longest 0% on purchases deal.

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