Nationwide | Select Credit Card

APR: 15.9% Representative
Intro purchase rate: 0% for 12 months
Purchase rate: 15.9%
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Nationwide | Select Credit Card customer reviews

2.3 out of 5 from 234 reviews

quick to reply

18:41 10-02-2018

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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

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

Hazel Murphy


06:39 31-01-2018

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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

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

Susie Cole


12:28 19-01-2018

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Easy to open my credit card with cash back on every purchase.


Brilliant Credit Card - Helped me out

07:47 17-01-2018

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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

Select Credit Card

22:14 06-01-2018

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

Kelly May

.5% cashback on everything!

20:46 02-12-2017

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Great card, very attractive rates for spending abroad and .5% cashback on everything you purchase!

Gareth Hole

Pain-free balance transfer

16:38 22-11-2017

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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

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

Stuart Old

Our review of Nationwide | Select Credit Card

Our review by Alex
Written by: Alex
Consumer sentiment


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.


  • 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

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.