Nationwide | Select Credit Card

APR: 15.9% Representative
Intro purchase rate: 0% for 12 months
Purchase rate: 15.9%
OPTIOSCORE 62.6/100 
Balance transfers: 0% for 12 months
Balance transfer fee: 2.4%
Features: Cashback
Nationwide | Select Credit Card customer reviews

2.4 out of 5 from 182 customer reviews

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).

Contact Nationwide

Nationwide | Select Credit Card customer reviews

2.4 out of 5 from 182 reviews

Select Credit Card

18:09 11-06-2017

via Smart Money People

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

via Smart Money People

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

Credit card Customer Service

19:03 10-06-2017

via Smart Money People

Much more helpful than any other company I have dealt with

Alistair Richardson

Reliable Company

04:48 01-05-2017

via Smart Money People

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

Anthea Holloway


12:37 21-04-2017

via Smart Money People

Terrible overly risk adverse product that rejects online purchases for little or no reason. Leaving you without out your purchase, then makes you jump through hoops to fix their error! Very poor


Honest company

10:08 14-04-2017

via Smart Money People

One of the few honest and ethical financial companies left.

Wayne Roberts

Clear no hassle credit card

00:57 13-04-2017

via Smart Money People

Great card fantastic customer service

Paul Grant


14:58 10-04-2017

via Smart Money People

Increase in credit card without doing affordability checks. Does not care about putting people in debt

Catherine mayers

Helpful and reliable

07:57 05-04-2017

via Smart Money People

Staff have always been helpful, whether we have gone to them with queries, problems or about changing our accounts. Extra effort is made to retain customers and reward long standing customers

Heather Skinner


12:29 04-04-2017

via Smart Money People

excellent cashback and customer service.

Stephen Wilshaw

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.