Nationwide | Select Credit Card

352 reviews

15.9% Representative

Intro purchase rate: 0% for 12 months

Purchase rate: 15.9%

Representative example:

Representative Example: The standard interest rate on purchases is 15.90% p.a. (variable), so when borrowing £1,200 the Representative APR will be 15.9% (variable).

Nationwide | Select Credit Card customer reviews.

352 reviews

2.2 out of 5 stars

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


Useful for overseas travel
23:17 19-09-2018
ImageSmart Money People

For those who travel overseas often the Nationwide Credit Card is a good way to save money, by building up a commision free allowance when using your credit card abroad

Jun Mo

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 credit card very easy to use and understand
22:37 08-06-2018
ImageSmart Money People

A great credit card, its easy to use and understand no nasty surprises and the best part cashback on all purchases silly to not to consider this card before applying

Jade Brookman

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

20:36 09-02-2018
ImageSmart Money People

Nationwide are always so helpful I would recommend them to my family and friends


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

06:39 31-01-2018
ImageSmart Money People

I have been a customer with Nationwide for 15 years and they have always given me a good service. If I have any issues they are always at hand to answer my call. They are always offering good competitive products and they reward there loyal customers.

Sarah Creed

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

Our review of Nationwide | Select Credit Card

The Nationwide Select Credit Card offers customers 0% interest for a year on both balance transfers (made within the first three months) and purchases. There is also no fee for balance transfers for the first three months of the account being opened, after that it increases to 2.4%. This is still lower than the industry average which is about 3%. Customers of the Nationwide Select Credit Card can also benefit from 0.5% cashback on anything they spend in the UK and there is no limit to how much they can earn in any given period.

Although Nationwide do specify that Select Credit Card applicants already hold one of their accounts, it’s not too much of a problem if you don’t as you can apply for a current account at the same time as making your credit card application. If accepted you’ll also be able to keep on track with your balance and any payments with their online banking, as well as using your Nationwide Select Credit Card to connect to your Apple or Android Pay.

The Nationwide Select Credit Card has achieved a decent OPTIOSCORE, particularly in terms of its simplicity and consumer sentiment. A search of the web to find out other customers’ experiences has thrown up no reviews specific to the card, however on TrustPilot Nationwide as a whole has received a rating of ‘bad’. Although there are positive reviews, the negative ones tend to centre around inconvenient processes, poor organisation and less than perfect customer service.

Overall verdict: The Nationwide Select Credit Card is worth exploring if you want a simple process with a competitive representative APR. You can also earn cashback on your purchases and the 0% on balance transfers and purchases for a year could be helpful if you’re trying to clear some smaller scattered store or credit cards.

Written by: Alex


  • 0% on purchases for 12 months
  • 0% on balance transfers for 12 months
  • No balance transfer fee for the first 3 months
  • Unlimited cashback of 0.5%
  • No annual fee
  • Manage the credit card online
  • No fee for going over the limit

Minimum criteria

  • You must be aged 18 or over
  • You need to be an existing Nationwide customer meeting different criteria depending on account type


  • Maximum APR %
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

About Nationwide | Select Credit Card

The Nationwide Select Credit Card has a representative APR of 15.9% on an assumed credit limit of £1,200. The minimum limit is £500 but the upper limit is decided by Nationwide and depends on the applicant’s personal circumstances and previous credit history. There is no annual fee for the Nationwide Select Credit Card, but there is a fee of 2.4% on balance transfers (after the first three months) and 2.5% for cash withdrawals.

To be eligible for the Nationwide Select Credit Card you’ll need to bank with Nationwide already. You either need to have a FlexOne account or FlexAccount and have been paying in more than £750 for the last three months, have a FlexStudent account paying in £1,500 in the last year or have a FlexDirect or FlexPlus account. Also if you want to earn cashback then you’ll need to keep your account. You can also benefit from making payments with the Nationwide Select Credit Card via Apple or Android Pay.

Customers of the Nationwide Select Credit Card will benefit from paying 0% on balance transfers for a year if completed within the first three months, as well as 0% on purchases for a year after the account was opened. With the Nationwide Select Credit Card you can also make fee-free purchases abroad with no maximum limit. Customers can also earn 0.5% cashback on any purchase made in the UK.

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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