RBS Reward credit card

RBS Reward credit card

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Royal Bank of Scotland · MASTERCARD

The Reward credit card is a credit card from Royal Bank of Scotland on the Mastercard network. It has an annual fee of £24. It earns 1% on groceries, 0.25% on gas & fuel, 0.25% on everything else.

Verified 12 Sept 2026

Key facts

Annual fee
£24
Purchase APR
25.9% to 29.9% p.a. (variable)
Foreign transaction fee
2.75%
Network
MASTERCARD

Reward rates by category

Reward rates for the RBS Reward credit card by spending category
CategoryRateDetail
Groceries1%Supermarket spending, excluding supermarket petrol stations
Gas & fuel0.25%Supermarket petrol stations
Everything else0.25%Everywhere else

Benefits and perks

  • Earn 1% back in Rewards on supermarket spending (0.25% at supermarket petrol stations and everywhere else).
  • Get 1-15% back at chosen MyRewards retailers.
  • Annual fee refunded if you have a Reward current account.
  • The maximum interest-free period is up to 56 days and only applies to purchases.
  • No late payment fee and no fee for going over your credit limit.

Questions about the RBS Reward credit card

What is the annual fee on the RBS Reward credit card?

The RBS Reward credit card has an annual fee of £24.

What rewards does the RBS Reward credit card earn?

The RBS Reward credit card earns 1% on groceries, 0.25% on gas & fuel, 0.25% on everything else.

Is the RBS Reward credit card worth it?

The RBS Reward credit card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.

Community

Approval and real earn reports from cardholders are coming to this page soon.

Not sure this is the right card for you?

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