✅ 1% Rewards on supermarket purchases
✅ 1–15% Rewards with MyRewards partner retailers
✅ 0.25% Rewards on all other spending
✅ Annual fee refunded for Reward current account holders
Why do we recommend the RBS Reward Card?
Unlike many reward cards that complicate earning structures, this one keeps things simple and predictable. The 1% return on supermarket purchases is particularly appealing for families and individuals who spend a large part of their budget on groceries. The bonus rewards from partner retailers can significantly increase monthly earnings, especially for those who take advantage of personalized offers.
Even though the card has an annual fee, existing Reward current account users can have it fully refunded, making it more cost-effective. The card also integrates seamlessly with the RBS app, helping users track transactions and Rewards in real time. Overall, the UTUA team sees this card as a reliable option for consumers focused on maximizing their routine spending.
Author’s opinion
The RBS Reward Card is well-suited for people who appreciate consistency in their rewards program. The card performs particularly well for frequent supermarket shoppers, since the 1% earning rate is strong in a credit-card market where many consumers still struggle with financial resilience, according to the FCA’s Financial Lives 2024 Survey, 24% of UK adults have low financial resilience.
While the 0.25% rate on general purchases may seem modest, the combination of partner retailer bonuses and special offers helps balance the overall return.
Want to explore more about the RBS Reward Card?
If you’d like to dive deeper into the features of the RBS Reward Card, click the button below to access additional details. You’ll find information about earning structures, monthly offers, fee explanations and how Rewards can be redeemed. This section will also guide you through the application steps and user requirements so you can decide confidently.
