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NatWest credit card review

Find out how NatWest has been rated in our latest customer satisfaction survey. 

In this article
NatWest credit card highlights NatWest credit cards: customer rating NatWest's ratings broken down
How we calculate NatWest's ratings Get top money-saving tips from Which?

NatWest credit card highlights

  • Decent cashback credit card (fee-free for current account customers)
  • Competitive low rate card
  • Reward Black card is fee-free for overseas spending, but charges annual fee if you don't have a Reward Black current account

NatWest credit cards: customer rating

NatWest's score of 67% places it joint 17th in our credit card satisfaction tables.

Customers told us they were not overly impressed with how well the provider keeps them up to date with new deals and how clear its fees are. 

That said, the bank still offers a decent cashback credit card that current account customers can get fee-free, as well as a competitive low rate card.

Credit Cards
NatWest review
Which? Customer Score
=17th out of 29 credit card providers
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
Compare NatWest against 29 other credit card providers

Visit the Which? Money Compare credit card comparison tables to find out how it compares against other cards.

NatWest's ratings broken down

NatWest credit card satisfaction


Star rating
Customer service

3 out of 5

Application process

3 out of 5

Keeping you up to date with new deals

2 out of 5

Communication of changes to terms and conditions    

3 out of 5

Clarity of statement

4 out of 5

Transparency of charges and penalties

2 out of 5

Dealing with queries

3 out of 5

Dealing with complaints

3 out of 5

Rewards and cash back

3 out of 5

Ability to manage online

4 out of 5

Ability to manage by mobile app

4 out of 5

Ability to manage by telephone banking

3 out of 5

Charges for using your credit card abroad

3 out of 5

How we calculate NatWest's ratings

Credit card providers chosen for our Which? brand reviews are based on the most popular brands searched for online.

Customer scores are based on an online survey of respondents from the public, which received  6,741 responses in total. They are calculated using a combination of overall satisfaction and the likelihood of recommending the provider to a friend. 

Star ratings shown for each category are scored independently of the customer score. These surveys are carried out annually and customer scores are updated accordingly. Providers must receive a minimum sample size of 30 respondents to be included in our customer satisfaction tables.

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