Nationwide | Credit Card

362 reviews

17.9% Representative

Intro purchase rate: 0% for 12 months

Purchase rate: 17.9%

Representative example:

Representative Example: The standard interest rate on purchases is 17.9% p.a. (variable), so when borrowing £1,200 the Representative APR will be 17.9% (variable).

Nationwide | Credit Card customer reviews.

362 reviews

2.2 out of 5 stars

14:50 08-11-2018
ImageSmart Money People

excellent customer service and no problems with setting it up

Stephen Wilshaw

17:19 06-11-2018
ImageSmart Money People

This card enables you to use it in Europe without any transaction charge so it's one of the best on the market.

Patricia Hancock

17:15 06-11-2018
ImageSmart Money People

no charges in europe so one of the best

Patricia Hancock

07:48 02-10-2018
ImageSmart Money People

I made a wrong international transaction on 18th of April 2018 for 882 pounds. 6 months later the money are stuck in their intermediary bank HSBC and they cant be bothered to give me back my money blaming the intermediary bank and the intended receiving bank for not getting back to them. is 2018 and NWBS doesnt have the means to track money, thats what they are keep saying thru internet banking. i am not the only one people., DO NOT USE NATIONWIDE BUILDING SOCIETY SERVICES


Really helpful when things go wrong
17:10 09-06-2018
ImageSmart Money People

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.


Rewards are easy to earn
17:03 08-02-2018
ImageSmart Money People

Nationwide reward card gives me cash back on my spending without any effort.

Hazel Murphy

Select Credit Card
22:14 06-01-2018
ImageSmart Money People

A standard Credit Card however offers no non-sterling transaction charges saving £100s of unnecessary fees. Spot rate offered is good also.

Kelly May

Brilliant Card
22:12 13-11-2017
ImageSmart Money People

Easy to use card, part of mobile app so can keep track of spending / payments and interest being paid. Low interest rates

Stuart Old

NW credit card
20:43 09-11-2017
ImageSmart Money People

does the job - never any problems

AW Osborn

Great Card great company
16:48 06-11-2017
ImageSmart Money People

No issues during my first year using the card, great intro rates and 0% and online banking is a breeze

Emma Riches

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.

Written by: Alex


  • 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

Minimum criteria

  • 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.

Company information

Registration number: 04397736


Nationwide Building Society, Nationwide House, Swindon, SN38 1NW

FCA registration

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


Address: Nationwide Building Society, Head Office, Nationwide House, Pipers Way, Swindon SN38 1NW

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