Nationwide | Credit Card

APR: 17.9% Representative
Intro purchase rate: 0% for 12 months
Purchase rate: 17.9%
Contact Nationwide

Nationwide | Credit Card customer reviews

2.1 out of 5 from 202 reviews


15:18 30-06-2017

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

Ben Ham

Select Credit Card

18:09 11-06-2017

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Free to use in any country (no commission), easy t o use mobile banking app, and 0.5% cashback on sterling purchases. Using this instead of my debit card is a no brainer, and pay it off every month to prevent incurring interest.

Gemma Shonfeld

Excellent Credit Card

18:00 11-06-2017

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As an existing Nationwide customer the application process was very easy. The cards arrived within a few days and included an interest free period and a fee free balance transfer. I even received a bonus for taking the card out.

Alison Latham

Reliable Company

04:48 01-05-2017

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I like Nationwide because they are local with long opening hours and very helpful and knowledgeable.

Anthea Holloway

a good, basic service

16:18 21-04-2017

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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

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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


12:29 04-04-2017

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excellent cashback and customer service.

Stephen Wilshaw

Good to use abroad

11:09 04-04-2017

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

Graeme Denman

Superb customer service

11:24 12-02-2017

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I often have to travel to France and, because I have had my card for some years, I get free spending abroad in euros. Most cards would charge an exchange rate fee but not my Nationwide credit card - superb!

Laura Ingham

Very quickly provided me with a substantial credit limit increase to cover purchase of season ticket.

15:28 07-02-2017

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The card comes with various perks, but the one I like most is that I get charge free foreign currency (up to ten per cent of what I spend on the card.)


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.