Royal Bank of Scotland credit cards
Royal Bank of Scotland are part of the RBS Group together with NatWest and Ulster Bank. They have around 700 UK branches and offer a variety of financial products including credit cards, personal loans, mortgages, current accounts and savings accounts. There are several RBS credit cards available, so you could get a great deal on balance transfers and purchases.
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Balance transfer intro period & rate
The length & interest rate applied when a credit card balance is transferred from one card to another.Close
Purchases intro period & rate
The length & interest rate applied to new purchases made on a card.Close
Rewards, for example, points or cashback earned when making purchases on a card.Close
Annual Percentage Rate including all fees & charges applicable.Close
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|Royal Bank of Scotland|
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Your guide to credit cards
What type of credit cards does RBS offer?
RBS specialises in offering low standard rate APR credit cards.
Are there any drawbacks to a Royal Bank of Scotland credit card?
If you already have a credit card provided by RBS or NatWest, you may not be able to apply for a second account, and you will not be able to transfer a balance that's already on a NatWest or RBS account.
Credit cards terms
This is when you move an outstanding balance from one card onto another. If a card has a Balance Transfer Intro Rate it relates to the interest that is applied to the transferred balance and the duration the intro rate is applied for. So for example a 0% balance transfer intro rate for 12 months will mean that no interest will be added to your account for the balance transferred for 12 months from the date the account is opened. To qualify for the introductory rate you will need to transfer your balance within a set period from the account opening, this time limit varies by issuer. When the intro rate ends then you will be charged interest at the cards annual percentage rate (APR).
To ensure you maintain any introductory rates applied to your account you must manage the account in line with the issuer’s terms and conditions. Specifically that means that you must always make at least the minimum payment, on time each month, and must remain within your set credit limit.
This is where you pay for goods or services using your card– it doesn’t include things like cash withdrawals, cash advances or money transfers. Very few credit building cards offer an interest-free introductory period on purchases, but if they do it means that no interest will be added to your account for any purchases made for the length of the introductory period from the date the account is opened. When the introductory rate ends then you will be charged interest at the card's annual percentage rate (APR).
To ensure you maintain any introductory rates applied to your account you must manage the account in line with the issuer’s terms and conditions. Specifically, that means that you must always make at least the minimum payment on time each month, and must remain within your set credit limit.
APR stands for Annual Percentage Rate and is the effective rate of interest, over the year, which reflects all the costs of the credit, including interest charges and other fees (such as an initial arrangement fee and any annual charge). It is 'representative' as 51% of those accepted for the card have to be offered the advertised APR.