Image: Goodbye teaser rates

Clear Rate Platinum Credit Card

A simple low rate on purchases and balance transfers

To apply you need to be a mainland UK Resident, aged over 18 and earn at least £10,000

Clear Rate Platinum Credit Card Image

How does the Clear Rate Platinum Card work?

Whether you are transferring a balance, making purchases, or both, you'll pay one simple interest rate of 6.9% p.a. (variable). 

And, like all credit cards in the UK, you can get up to 56 days interest free credit on purchases. Just pay your balance (and your previous month's balance) in full and on time each month. 

Could you save on your interest payments?

Use our quick calculator to get an idea of how much you could save in fees and interest.  

See how much you could save


Transferring a balance to NatWest

  • You can transfer balances of any amount up to 95% of your available credit limit. The minimum balance transfer amount is £100.
  • It can take up to 3 weeks to process your application and for payment to reach your other accounts so please make payments to your other cards to keep them up to date and avoid any penalty fees.
  • If you have a transferred balance on your account, interest will be charged on any purchases you make from the date they are posted to your account at your standard interest rate.

Interest rates

  • Interest on fees and charges is payable in line with our terms and conditions. 
  • The actual APR you’ll receive will depend on your circumstances and you may receive higher than our standard purchase and balance transfer rate of 6.9% p.a. (variable) upon application. For some customers, the purchase and balance transfer rates will be either 11.9% p.a. (variable) or 14.9% p.a. (variable). See summary box for full details.

Representative Example

Representative APR:

11.1% APR (variable)

Purchase rate:

6.90% p.a. (variable)

Assumed credit limit:


Annual fee:


Your credit limit will vary depending on our credit assessment of you.

Summary Box (PDF, 30KB)
Sample Credit Card Agreement (PDF, 78KB)
Apply online now Check if you're likely to be approved for this credit card

Defaqto Five Star Award

Defaqto is an independent researcher that specialises in analysing, comparing and rating financial products. We're proud to say that the NatWest Clear Rate Platinum Credit Card has been recognised "as an excellent product with a comprehensive range of features and benefits". Source:

Fairbanking Three Star Award

Fairbanking undertakes independent assessments of financial products to verify they are working effectively for customers. In 2015, Fairbanking have recognised the NatWest Clear Rate Platinum Credit Card for its helpful features. Source:

Representative 11.1% APR (variable)
Annual fee applies. To apply you need to be a UK Resident, aged over 18 and earn at least £10,000

Defaqto five star award image Cashback Plus Card 3-Star Fairbanking Award

Credit card tools

Helping you decide

Use our quick calculator to get an idea of how much you could save in fees and interest.  

Or why not use our Approval Indicator to see if you are likely to be approved for a NatWest credit card?

Other features

Relax, you're in control

Stay in control

You can manage your card with Credit Card Online Services. If you have a current account with us, you can also manage your accounts within Online Banking or on our Mobile Banking app.

Managing your account


Set up alerts to remind you when your next payment is due or to let you know when you are nearing your credit limit.

Find out more

We're fairer

We have removed complicated “% of balance” balance transfer fees. You also get the same credit card and rate if you apply online, in branch or over the phone.

Why we think we're fairer

Frequently asked questions

What are our customers asking?

NatWest credit cards

Ready to apply?

Apply online now Choose a different card

National Westminster Bank Plc, Registered in England and Wales No. 929027. Registered Office: 135 Bishopsgate, London EC2M 3UR.

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