Nationwide | Credit Card

338 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.

338 reviews

2.2 out of 5 stars

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.


great cashback
10:21 13-04-2018
ImageSmart Money People

great cashback and easy to manage on app

J Robson

quick to reply
18:41 10-02-2018
ImageSmart Money People

Had a few problems with credit card.E mailed via bank website they were quick to respond and sort it...

john radburn

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

Easy card to use
21:37 19-01-2018
ImageSmart Money People

I use this card when abroad as the exchange rates are good

Susie Cole

Brilliant Credit Card - Helped me out
07:47 17-01-2018
ImageSmart Money People

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.

Mr P

Pain-free balance transfer
16:38 22-11-2017
ImageSmart Money People

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,

Wayne Roberts

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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