NatWest | Clear Rate platinum credit card

APR: 11.1% Representative
Purchase rate: 6.9%
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NatWest | Clear Rate platinum credit card customer reviews

1.8 out of 5 from 92 reviews

Good rates and easy to pay back

22:15 10-01-2018

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Great rates and easy to pay back on online banking

Oliver Emmerson-Fish

Annual Charge

13:52 09-11-2017

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Really disappointed that Natwest have a Σ25 annual fee for some of their credit cards, why???? The competition out there must be tough, there are so many other credit cards to choose from, most with no annual charge.



10:56 08-11-2017

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Online aspects work well, rewards not spectacular.

Chris Newland

Decent Credit Card

10:28 23-05-2017

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Fair rate of interest, easy to use app, excellent fraud prevention, good all round credit card provider.

Fiona Lee

Awesome rate

14:55 15-12-2016

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Natwest platinum its awesome because its got a super low rate at 5%

Claire Blaney

Our review of NatWest | Clear Rate platinum credit card

Our review by Alex
Written by: Alex
Consumer sentiment


It’s a shame that the NatWest Clear Rate Platinum credit card comes with an annual fee as the representative APR is reasonable and affordable. There is no fee for making a balance transfer which is a nice benefit, and you’ll only pay 6.9% interest on this and any purchases. The fee for non-sterling transaction fees is also slightly lower than competitors at 2.75% for foreign transactions.

In 2015, Fairbanking undertook an independent assessment of different financial products and awarded the NatWest Clear Rate Platinum credit card a three star award for its helpful features. You’ll also get the standard 56 days’ interest free on purchases as long as the current and final monthly payments are both made on time.

The OPTIOSCORE for the NatWest Clear Rate Platinum credit card is fairly average across the board, but much higher than the NatWest Student Credit Card. Although there are no online reviews specific to the Clear Rate Platinum credit card, TrustPilot have given NatWest a rating of ‘bad’ overall. This doesn’t just apply to their cards, but also the other products that they provide. Some customers have been left dissatisfied with less than perfect customer service, lack of professionalism and difficulties with switching products.

Overall verdict: The NatWest Clear Rate Platinum credit card does have its benefits, such as no fee for balance transfers as well as competitive representative APR. Worth exploring further if you’re eligible.


  • Competitive representative APR
  • No fee for balance transfers
  • You can balance transfer up to 95% of your credit limit
  • Manage the card using online banking

Minimum criteria

  • You must be aged 18 or over
  • You need to be a UK resident
  • You must earn at least £10,000 per year

About NatWest | Clear Rate platinum credit card

The NatWest Clear Rate Platinum credit card has a representative APR of 11.1% and a standard interest rate on purchases of 6.9%. The minimum credit limit is £300 and the maximum limit is decided by NatWest and will take into account personal circumstance and previous credit history. There is an annual fee of £24 for this card but there are no fees for balance transfers.

You can do a balance transfer to your NatWest Clear Rate Platinum credit card of up to 95% of your available credit limit, however the minimum must be over £100. It can take up to three weeks for the balance on your other accounts to be paid off, so you will need to make sure that payments are kept up to date to avoid fees or charges. As with purchases, there’s a standard interest rate of 6.9% applied.

On the NatWest website, customers can check to see if they would be likely to be approved for the Clear Rate Platinum credit card by using the eligibility checker. This takes a few minutes to complete. This form does use a soft credit search which will leave a footprint on your credit history so other providers will be able to see that you’ve been searching for credit.