The Ultimate Guide to Getting the Most from Your RBS Reward Credit Card

Unlock exclusive benefits and get rewarded for your everyday spending with the RBS Reward Credit Card. 

If you’ve already got the RBS Reward Credit Card—or you’re seriously considering applying—this practical guide will help you unlock every possible benefit. From setting up your account to tapping into little-known hacks, here’s how to make this card work harder for your wallet.

How to Use the RBS Reward Card Efficiently

1. Link Your RBS Reward Current Account

If you have a Reward current account, your annual card fee (£24) will be fully refunded each year. This makes the card essentially free—and maximises your return.

2. Set Up the RBS Mobile Banking App

The app is where you’ll monitor your Rewards, check active offers, and redeem cashback. It’s also where you’ll get notifications about exclusive promotions with retailers.

3. Spend Strategically

• Use the card exclusively at supermarkets and qualifying retailers for maximum cashback.
• Pay bills or subscriptions (e.g. streaming services) through the card when possible.
• Avoid using the card abroad—foreign transaction fees apply unless you have the Black version.

4. Redeem Rewards Regularly

Log into the MyRewards dashboard monthly and redeem your accumulated points:

• Transfer as money back to your bank account
• Trade for gift cards with brands like Argos, John Lewis, and M&S
• Donate to charity via the platform

Maximising Overall Value: An Insider’s Strategy

Case Example:

Sophie, a civil servant from Manchester, spends approximately:

• £400/month on groceries
• £300/month on petrol and general retail
• £150/month on subscriptions and bills

Her annual cashback return looks like this:

Net of card fee (which is refunded via Reward current account), Sophie earns £147 annually—more than enough to fund a weekend city break in the UK.

Hidden Tips to Boost Your Rewards

🛒 Shop via MyRewards Links:
Instead of going directly to Amazon or Currys, access these sites through the MyRewards portal. Cashback rates can jump to up to 15% on special days.

📅 Use the Card for Council Tax or Insurance:
Many local councils and insurers accept credit cards without surcharge—an easy way to earn cashback on unavoidable expenses.

💳 Avoid Revolving Balances:
With a 31.0% APR, interest charges quickly outweigh the value of Rewards. Pay in full monthly to benefit.

📈 Time Your Large Purchases:
During partner promotions, Rewards percentages increase—ideal for timing furniture, electronics, or travel bookings.

💼 Combine with Other RBS Products:
Customers with multiple products (e.g. personal loans, mortgage) may receive enhanced loyalty offers.

Alternative Cards to Consider

If your spend is travel-heavy or you want airport lounge access, the Reward Black or Amex Platinum may be a better fit. For debt management, the Royal Bank Credit Card offers a low APR.

How to Apply for the RBS Reward Credit Card: Eligibility & Application Guide

The RBS Reward Credit Card is available to UK residents aged 18 or over with a minimum annual income of £10,000 and a good credit history. While you don’t need to be an existing RBS customer, holding a Reward current account will waive the card’s £24 annual fee. To apply, you’ll need your National Insurance number, employment details, address history, and optionally your bank details to set up a Direct Debit.

Applications can be made online via the RBS website or directly through the RBS mobile app for existing customers. Most decisions are provided instantly, and approved cards typically arrive within 5–7 working days. It’s highly recommended to use the “Check your eligibility” tool beforehand, as it assesses your chances of approval without impacting your credit score.

FAQs: Everything You Didn’t Know You Needed to Ask

1. Can I use this card abroad?
Yes—but there’s a 2.75% foreign transaction fee. If you travel frequently, consider the Reward Black Credit Card, which waives this fee.

2. Do Rewards expire?
No, as long as your account remains active. However, inactive accounts for over 15 months may be closed, and Rewards lost.

3. Can I pay off the card automatically?
Yes. Set up a direct debit to either pay the full balance or minimum payment each month to avoid interest.

4. Is there a credit score requirement?
Applicants typically need a good credit score (above 670) and an income of at least £10,000 per year.

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👉 Recommendation:

If you’re a UK-based household spender with an RBS current account, this card offers one of the most cost-effective cashback strategies in the market today. Activate, automate, and redeem—and let your regular spending pay you back.