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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
What do NatWest credit cards offer?  How does NatWest compare to other providers? Is NatWest a good credit card provider?
How we calculate NatWest’s customer score and ratings NatWest credit card FAQs

What do NatWest credit cards offer? 

NatWest offers competitive 0% balance transfer deals, a low-rate card with no foreign transaction fees on purchases abroad, and rewards credit cards. Credit is subject to status and terms apply.

However, to apply for any of these deals you must have a current account, savings account or mortgage with NatWest.

How does NatWest compare to other providers?

NatWest has received an average score of 72% in our latest credit card satisfaction survey, placing it joint 12th along with Bank of Scotland, Capital One, HSBC and MBNA in our 2021 analysis. 

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NatWest review
Which? customer score
=12th out of 26 credit card providers
The Which? rating for customer satisfaction is 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.
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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 customer satisfaction category Star rating
Customer service

4 out of 5

Application process

4 out of 5

Clarity of statement

4 out of 5

Transparency of charges

4 out of 5

Charges for using your card abroad

3 out of 5

Dealing with complaints and resolving problems

3 out of 5

Dealing with queries

3 out of 5

Ability to manage account online

5 out of 5

Ability to manage account by telephone

3 out of 5

Mobile app on a smartphone or tablet

5 out of 5


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.

How we calculate NatWest’s customer score and ratings

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

Customer scores are based on an online survey of the public conducted in May 2021, which received 4,011 responses. Participants could provide answers on up to two credit cards. 

This year’s customer score analysis is based on a sample size of 5,744 credit card experiences in total, and represents overall satisfaction as well as the likelihood to recommend the provider to a friend.

Star ratings for each category are calculated independently of the customer score.

We carry out these surveys annually and update our review pages accordingly. Providers must receive a minimum sample size of 50 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.



Can I use a NatWest credit card abroad?


You will be able to use any NatWest credit card abroad, but some will charge foreign usage fees, so check the terms and conditions to understand the costs.

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