Nationwide | Select Credit Card

317 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.

317 reviews

2.2 out of 5 stars

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

Excellent
20:36 09-02-2018
ImageSmart Money People

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

Jessica

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

Easy
12:28 19-01-2018
ImageSmart Money People

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

Laura

Select Credit Card
22:14 06-01-2018
ImageSmart Money People

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

Kelly May

Always great customer service.
20:35 05-12-2017
ImageSmart Money People

I've always found the customer service at Nationwide to be absolutely brilliant. And the products are always very reasonable.

Susan James

.5% cashback on everything!
20:46 02-12-2017
ImageSmart Money People

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

Gareth Hole

NW credit card
20:43 09-11-2017
ImageSmart Money People

does the job - never any problems

AW Osborn

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

Highlights

  • 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

Fees

  • 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

www.nationwide.co.uk

08457302010

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

Data controller: NATIONWIDE BUILDING SOCIETY

Address: Nationwide Building Society, Head Office, Nationwide House, Pipers Way, Swindon SN38 1NW

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