Coronavirus Read our latest advice

We use cookies to allow us and selected partners to improve your experience and our advertising. By continuing to browse you consent to our use of cookies. You can understand more and change your cookies preferences here.

NatWest credit card review

Find out how NatWest has been rated for its application process, customer service, mobile app and more in our latest credit card customer satisfaction survey.

In this article
Coronavirus (COVID-19) credit card update What do NatWest credit cards offer?  How does NatWest compare to other providers? Is NatWest a good credit card provider?
Which low rate credit card is best? How we calculate NatWest’s customer score and ratings NatWest credit card FAQs

Coronavirus (COVID-19) credit card update

The Financial Conduct Authority (FCA) wants lenders to continue to offer payment holidays on credit cards, loans and other finance agreements in a bid to help ease the financial hardship caused by the coronavirus outbreak.

Keep on top of the latest news and advice related to the COVID-19 pandemic with Which?

What do NatWest credit cards offer? 

NatWest offers a competitive fee-free 0% balance transfer deal, a low-rate card with no foreign transaction fees on purchases abroad and a cashback reward credit card.

To apply you must have a current account, savings account or mortgage with NatWest.

How does NatWest compare to other providers?

NatWest’s score of 70% places it joint 19th in our 2020 credit card satisfaction survey, down from 14th in 2019.

Credit Cards
NatWest review
Which? Customer Score
=19th 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.
Become a member to see more scores
  • Unlock more money saving tips.
  • Get access to new money reviews
  • See the best mortgages available to you
£5 for first month then £9.99/month unless cancelled

Is NatWest a good credit card provider?

Our survey also reveals how NatWest customers rated the provider across 10 categories. 

Find out in the table below how NatWest scored for its application process, online account management, telephone banking, mobile app, statement clarity, transparency of charges, overseas usage fees, customer service, query handling and complaint resolution.

NatWest credit card satisfaction ratings


Star ratings

Star ratings out of five show levels of satisfaction for each category. Where no stars are given, we received too few responses in our survey to award a score.

Customer service

4 out of 5

Application process

4 out of 5

Clarity of statement

4 out of 5

Transparency of charges and penalties

3 out of 5

Dealing with queries

3 out of 5

Dealing with complaints

4 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

4 out of 5

Charges for using your credit card abroad

3 out of 5

Which low rate credit card is best?

Below are the top five low rate credit cards on the market right now.

How we calculate NatWest’s customer score and ratings

We pick credit cards to feature in Which? brand reviews based on the most popular brands searched for online.

Customer scores are based on an online survey of the public, which received 6,537 responses in total. They are calculated using a combination of overall satisfaction and the likelihood of recommending the provider to a friend.

Star ratings 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.


NatWest credit card FAQs


Does NatWest offer an eligibility check?


NatWest offers an eligibility checker that can tell you how likely you are to be accepted before you apply.

It does a ‘soft search’ of your credit file and won’t impact your credit rating.


Where are NatWest credit cards accepted?


NatWest credit cards are issued on the Mastercard network so can be used in millions of places in the UK and abroad.

Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms & conditions of a provider before committing to any financial products.