Its a NatWest Reward card. Cashback is normally 0.5-1%, but they have additional cashback from selected vendors at different times, e.g. they had 10% on amazon.co.uk purchases and 3% for household bills at one point, and current offers include 10% off at a restaurant I'm already scheduled to visit. Monthly fee is £2 so you need to work out if the additional cashback is likely to net you more than £24pa. Disclaimer: not affiliated with the company, and not saying its the only option or necessarily even the best option - just answering a question.