Nationwide | Credit Card

APR: 17.9% Representative
Intro purchase rate: 0% for 12 months
Purchase rate: 17.9%
OPTIOSCORE 61.8/100 
Balance transfers: 0% for 12 months
Balance transfer fee: 2.4%
Features: Store Discounts
Nationwide | Credit Card customer reviews

2.4 out of 5 from 182 customer reviews

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).

Contact Nationwide

Nationwide | Credit Card customer reviews

2.4 out of 5 from 182 reviews

Home & Abroad

14:53 09-08-2017

via Smart Money People

Used anywhere with no additional charges.

Richard Jeffery


15:18 30-06-2017

via Smart Money People

It's a good product, but the customer service at times could be better.

Ben Ham

Quick to solve any issues and quickly onto fraudulent activity

20:31 11-06-2017

via Smart Money People

My experience of having a nationwide credit card is that they are quick to solve any issues and quickly onto fraudulent activity, sending out new cards speedily.

Stuart Ellison-smith

Great card

20:51 30-05-2017

via Smart Money People

This was the best long term deal I could get for balance transfer and a only 17.9%.

Gordon towers

a good, basic service

16:18 21-04-2017

via Smart Money People

nationwide gives good customer service, but, as with the credit card industry in general, things could be simplified and clarified

emma h

Always there for you

19:31 08-04-2017

via Smart Money People

I have been a customer with Nationwide for some time the products I have purchased are Mortgage, Health Insurance, Loan & Credit Card they have always met all my needs and exceeded my expectations many times

Lynda Jones

Good to use abroad

11:09 04-04-2017

via Smart Money People

Low fees when you use this card abroad. Easy to manage obline.

Graeme Denman

Good Service

18:22 12-02-2017

via Smart Money People

Amazing friendly helpful staff in the call centres. Always willing to go the extra mile to help you.

Sian Greenslade

Select credit card

20:31 06-02-2017

via Smart Money People

Fantastic product. cashback on all my purchases & free purchases abroad

Meggan kerslake

Hassle Free, low fees and does everything you would want a credit card to do

15:27 03-02-2017

via Smart Money People

Very easy to apply and get a credit card with Nationwide. It came through quickly and the process of transferring a balance was quick and simple.

Karen Teulon

Our review of Nationwide | Credit Card

Our review by Alex
Written by: Alex
Consumer sentiment


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’re not an existing customer want to take advantage of their 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

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
  • You can’t already have a Nationwide credit card

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.