RBS World Credit Card with Rewards
The YourPoints World Mastercard from RBS is an all-rounder credit card offering a little of everything. An interest rate of 17.9% representative APR (variable) is decent enough in this day and age, while the card also features 0% introductory deals for 13 months on BOTH purchases and balance transfers.
So far, so middle of the road.
What sets this card apart though is the YourPoints reward program. By moving your everyday spending onto the card you'll build up points which you can redeem agains the usual suspects such as flights and holidays, entertainment and experiences. Somewhat more unusually you can also turn the points into shopping vouchers for major retailers such as M&S, Boots, Amazon, and Harvey Nichols.
This makes the rewards program especially attractive compared to cards offering a more limited way of using your points, and makes it stand out from the crowd.
In short, although the World card's individual features are far from market leading, in combination they add up to more than the sum of their parts making this a very attractive card, especially if you use it for your daily spending and don't build up too much of a balance.
RBS World In Brief
|Standard Rate:||17.9% Representative APR (variable)|
|Balance Transfer Deal?||0% APR for 13 months (2.9% transfer fee applies)|
|Purchases Deal?||0% APR for 13 months|
|Minimum Balance Transfer Fee:||£5|
|Rewards Program||RBS YourPoints redeemable against flights, holidays, Amazon and more|
|Interest Free Period:||Up to 56 days on purchases|
|Minimum Repayment:||The greater of 1% of balance plus interest and charges, or £5|
|Minimum Credit Limit:||£300|
|Maximum Credit Limit:||Subject to status|
|Minimum Applicant Age:||18|
|Notes:||Decent introductory offers, rewards program, and 2,500 bonus points on account opening|
|Representative Example:||Assumed borrowing of £1200, representative 17.9% APR (variable). Purchase rate 17.9% PA.|