Barclaycard Avios Plus vs NatWest Reward Credit Card
Net value is estimated on a sample monthly spend, ranked by value not commission.
Verdict
On our reference spend profile, Barclaycard Avios Plus comes out ahead on estimated net value — about £1,800/yr more than the NatWest Reward Credit Card. Your own spending pattern can change this — run the numbers in the rewards calculator.
| Attribute | Barclaycard Avios Plus Best valuePopular | NatWest Reward Credit Card |
|---|---|---|
| Issuer | Barclaycard | NatWest |
| Annual fee | £240 / year | £24 / year |
| Welcome bonus | 25,000 Avios on £3,000 spend in 3 months | — |
| Min. income (monthly) | GBP 20,000 | GBP 10,000 |
| Reward type | miles | cashback |
| Headline rate | 1.5× miles | 1% cashback |
| Bonus categories | dining, travel, everyday | fuel, groceries, retailer_partners |
| Lounge access | Yes | No |
| Foreign tx fee | 2.99% | 2.75% |
| Est. net value / yr | £2,244 | £444 |
| Apply | Apply |
Frequently asked questions
- Barclaycard Avios Plus vs NatWest Reward Credit Card: which is better?
- On our reference spend profile the Barclaycard Avios Plus delivers higher estimated net value than the NatWest Reward Credit Card in United Kingdom, so it wins on value. Your own spending pattern may change the result — run both through the rewards calculator.
- What is the annual fee difference between Barclaycard Avios Plus and NatWest Reward Credit Card?
- Barclaycard Avios Plus: £240 / year. NatWest Reward Credit Card: £24 / year.
- Which earns more rewards, Barclaycard Avios Plus or NatWest Reward Credit Card?
- Barclaycard Avios Plus earns 1.5× miles; NatWest Reward Credit Card earns 1% cashback. We rank by net value after fees, not headline rate alone.