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NatWest Reward Black Credit Card
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NatWestUnited Kingdom

NatWest Reward Black Credit Card

Annual Fee
£84/ year

NatWest's flagship rewards credit card. Annual fee is refunded if you also hold the Reward Black current account.

This credit card includes airport lounge access through participating lounge programs. Access eligibility, guest policies, and lounge availability vary by airport and may change over time. Credit card lounge access is not guaranteed and may be subject to capacity limits or restrictions. Learn how credit cards provide lounge access. In summary, lounge access depends on your card, the lounge network, and the specific airport. Learn more about airport lounges.

Last reviewed: . Card information is reviewed against the issuer's official benefit pages periodically; verify all terms on the issuer's site before applying.

The Good

  • £84/year (refunded with Reward Black current account)
  • 1% Reward Points on supermarket spend
  • Mastercard concierge included
  • No annual fee if linked to qualifying current account

The Bad

  • No lounge access on the credit card (DragonPass is the current-account benefit)
  • 0.5% earn rate on non-supermarket spend is modest
  • Requires good credit history
  • Annual fee not refunded if you don't hold the current account

Lounge Access

1 lounge network included

Guest Policy

Cardholder only

Purchase APR

23.9% APR Variable (assumed credit limit £1,200)

Credit Score

Excellent (Premier banking)

Limited Time Offer

Annual Fee Refund with Premier Reward Black Account

Offer Terms & Eligibility:

Hold a qualifying NatWest Premier Reward Black current account to have the £336 fee refunded.

Lounge Networks

1 Included
DragonPass Premier+
Included

Additional Travel Perks

1% Reward Points on Supermarket Spend
0.5% on All Other Spend
Annual Fee Refunded if You Hold a Reward Black Current Account
Section 75 Purchase Protection (£100 minimum)
Mastercard Black-tier Concierge

Lounges NatWest Reward Black Credit Card Opens

339 lounges tracked across 172 airports, derived from this card's network coverage.

Showing top 12 airports by lounge count. 160 more airports also have at least one lounge this card opens.

Coverage is derived from the lounge networks listed on this card and the lounges AirportLounge.com tracks. Specific lounge access can change without notice; verify on the operator's app or site before you travel.

*Card information is accurate as of 2026. Annual fees and benefits are subject to change by the issuer. Please verify all terms and conditions on the issuer's website before applying.

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