Best Bank-Linked Card
Earn rewards on everyday spending linked to NatWest Rewards programme. Cashback on selected retailers via the NatWest app. Visa acceptance.
A cashback card from a mainstream high-street bank, paying a flat rate on everyday spending with a monthly fee attached.
The fee structure is the thing to check. A monthly charge means there is a break-even spend level below which the card costs you money.
Who it suits. Existing NatWest customers who spend enough each month to clear the fee comfortably and value having everything with one bank.
Worth knowing. Do the arithmetic before applying: divide the annual fee by the cashback rate to find the spend you need to break even. Below that number, a no-fee cashback card is strictly better.