Choose the Nationwide Credit Card offer that will best suit your needs. Earn commission-free purchases abroad & access a range of savings on big brands with the Simply Rewards Scheme. Transfer a balance within 3 months of opening an account to get the 0% deal; otherwise the rate will be 17.9% p.a. variable with a 2.4% fee.
Representative Example: The standard interest rate on purchases is 17.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 17.9% APR (variable).
Transfer a balance within 3 months of opening an account to get the 0% deal; otherwise the rate will be 15.9% p.a. variable with a 2.4% fee. To be eligible you have to hold a FlexAccount with a Visa debit card (not cash card) and pay in £750+ each month (excluding internal transfers).
Representative Example: The standard interest rate on purchases is 15.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 15.9% APR (variable).
Nationwide Building Society credit card reviews
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This card has worked well for me and I have had no problems with it. The statement is clear and I can pay my monthly bill via a direct debit. Two extra advantages are that no fees or exchange rate loading is charged when I use this card in Europe and I get half a percent cash back on my spend even though there is no fee for this card.
Good exchange rate in Europe
Loading is applied to exchange rate outside of Europe.
I have been with Nationwide for many years and particularly like the fact that when using my card abroad the rate charged is competitive. I used to have a credit card with National Westminster Bank but changed to Nationwide because of the fairer rates charged. I can pay the amount I owe each month on line so I rarely go into the branch.
Charges for use abroad are lower than many other providers especially if in EU. Exchange rates given on conversion are also very competitive. Reasonable security measures in place. I use my card as a charge card and so do not pay interest. It is a good way of deferring payment by a month and planning my spending. My limit on expenditure is set at a sensible level whilst some cards offer too much credit so they are behaving responsibly as lenders.
Low charges and good exchange rates on overseas transactions
only use for short term as interest rates are relatively high
I actually got this product because I had an application rejected from my other bank, purely on the basis that I was a student. Nationwide were happy to give me a card at a really good rate, because I'd banked with them for years. That was convenient and gave me a chance to build my credit score.
But I don't think I'd actively choose it and am actively looking to switch. I pay off bills in full so don't benefit from the fairly low interest rate.
Customer service isn't good: there are never enough staff around at the branch and they don't open convenient hours.
And there are no perks associated with the account such as cashback. That's become the industry standard for competitively marketed credit cards.
So it's fine as a starter card, but I wouldn't go out of my way to recommend it.
I use my nationwide credit card for over 16 years and have never had a problem. It has been used to buy a new car and other items in my home. nationwide credit card has made my life easier and now I can relax and enjoy the rewards
I bought my 1st brand new car and I used my nationwide credit card to purchase the item, I have never looked back and I still have the car and it still looks brand new.