NatWest World MasterCard vs. Capital One Classic Extra

Stephen_C. Posts: 153 Forumite
edited 6 October 2013 at 12:46AM in Credit cards
I'm a young person with only a year's credit history looking for a decent rewards credit card. After being rejected from Amex, I am looking for the next best card for someone in my position.

I have come across the NatWest and Capital One cards that appear to both offer small rewards, but still better than the nothing I get right now.

NatWest: 1 point per £1 (spend on Amazon, etc. vouchers)

Capital One: 0.5% cashback (in real cash)

Cash may be preferable to points, but NatWest does offer 2500 points at sign up and another 2500 annually - as well as double points for 9 months.

If my maths is correct, does that not make the NatWest card essentially 1% for those 9 months?

I also hear that World MasterCards are the best type of MasterCard and offer additional protection/travel services?

If anyone has experience with either of these two cards I'd love to know which you think is best.

Edit: Looks like you also get access to these exclusive offers with World MCs too.


  • You-kip
    You-kip Posts: 499 Forumite
    What's your age?
    What credit history do you have?
    What's your salary?
  • Stephen_C.
    Stephen_C. Posts: 153 Forumite
    You-kip wrote: »
    What's your age?
    What credit history do you have?
    What's your salary?

    £1000 limit student card with Lloyds Bank for 1 year, 3 months
    £1500 overdraft student account with Lloyds for >2 years
    £16,000 placement salary
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