Nationwide | Credit Card
Intro purchase rate: 0% for 12 months
Purchase rate: 17.9%
Nationwide | Credit Card customer reviews.
2.2 out of 5 stars
Four figure purchase went wrong in New Zealand when a company claimed it could no longer trade. The Nationwide team got onto the case very quickly and managed to backcharge the company's account. They recovered 100% of the loss including currency exchange rate move.
great cashback and easy to manage on app
Had a few problems with credit card.E mailed via bank website they were quick to respond and sort it...
Nationwide reward card gives me cash back on my spending without any effort.
I use this card when abroad as the exchange rates are good
Nationwide has really helped me. As an 18 year old with no credit history, Nationwide was the only high street reputable lender that was offering me a credit card after carrying out Elegibility checkers. Good customer services over telephone and in branch. Credit card offered with good credit limit for an 18 year old. Online quotation given gives the customer to confidence to apply before a credit search is done. Shame about the recent cashback reduction but it’s a sign of the times and not Nationwide’s fault.
Opened up credit card in order to do a balance transfer. All went smoothly and was helped every step of the way. Website can be a bit unintuitive at times and persistent requests for passwords and memorable data can be a pain,
Easy to use card, part of mobile app so can keep track of spending / payments and interest being paid. Low interest rates
does the job - never any problems
No issues during my first year using the card, great intro rates and 0% and online banking is a breeze
Our review of Nationwide | Credit Card
The Nationwide Credit Card offers customers 0% interest for a year on both purchases and balance transfers (completed within the first three months) – but you don’t have to be an existing Nationwide customer to take advantage of this. During the introductory period there is no fee for balance transfers. After this period it goes up to 2.4%, which is still lower than most credit cards out there.
Those with a Nationwide Credit Card can reap many benefits and rewards when using their card – such as cashback and commission on any foreign transactions when spending in Sterling. There is also a high level of control as customers can use both online and mobile banking to view transactions and statements, complete balance transfers and make payments to their card.
A search of the web provides no reviews specific to the Nationwide Credit Card, however on TrustPilot Nationwide as a bank has received a rating of ‘bad’. Although there are positive reviews, the negative ones tend to mention confusing online applications, less than perfect customer service and a sense of disorganisation with documents and cards going missing which in cases has resulted in the customers receiving charges.
Overall verdict: If you want to take advantage of the benefits then the Nationwide Credit Card could be for you. The 0% for 12 months on purchases and balance transfers is a good welcome offer, and being able to earn cashback and foreign transaction commission for the duration of having the card are an attractive ongoing incentive.
- 0% on balance transfers for the first 12 months
- 0% on purchases for the first 12 months
- Access to shopping rewards
- Control your card via mobile banking and online
- No annual fee
- Use the card abroad
- You must be aged over 18
- You need to be a UK resident
- You must have a gross income of more than £5,000 per year
- No bankruptcy, IVAs or CCJs
- You can’t have missed 3 or more credit payments in the last year
- Maximum APR %
- Arrangement fee: £0
- Early repayment fee: £0
- Late payment fee: £0
About Nationwide | Credit Card
The Nationwide Credit Card has a representative APR of 17.9% on an assumed credit limit of £1,200. Unlike their Select Credit Card, you don’t need to be an existing Nationwide current account holder to apply. There is a minimum credit limit of £500 but the upper limit is decided by Nationwide depending on the information provided during the application process. There is no annual fee for the Nationwide Credit Card, but there is a fee of 2.4% on balance transfers (after the first three months introductory period).
Customers of the Nationwide Credit Card will receive 0% interest on balance transfers for the first 12 months of opening the account, as long as they were made within the first three months. There is also 0% interest introductory period on purchases during the first 12 months. With the Nationwide Credit Card you can also make fee-free purchases abroad by earning commission on purchases made in Sterling. For example if you spend £100 in a month, then you’ll be rewarded with £20 of commission-free allowance to use on purchases made abroad in their local currency.
Registration number: 04397736
Nationwide Building Society, Nationwide House, Swindon, SN38 1NW
Reference No: 106078
Trading names: Nationwide Building Society , Nationwide Financial Solutions , Cheshire Building Society, Derbyshire Building Society, Dunfermline Building Society, Salt Commercial
Place of business: Nationwide Building Society, Head Office, Nationwide House, Pipers Way, Swindon SN38 1NW
Data protection registration
Registration No: Z7074586
Data controller: NATIONWIDE BUILDING SOCIETY
Address: Nationwide Building Society, Head Office, Nationwide House, Pipers Way, Swindon SN38 1NWApply Now