Nationwide credit cards

Nationwide is the UK's largest building society and one of the country’s most trusted brands. It is probably best known for savings accounts and mortgages, but Nationwide also offers other financial products including a current account, credit card, loans and insurance. Nationwide offers just one credit card, however it comes with a choice of introductory offers.

Nationwide credit card

0% for 20 months on balance transfers
(3.1% fee applies)
0% for 3 months on purchases
15.9% Representative
APR (variable)

Representative Example: If you spend £1200 at an annual interest rate of 15.9% (variable) your Representative APR will be 15.9% (variable).

Compare every Nationwide credit card

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Cards listed by duration of 0% balance transfer offer

	Product Name	Balance Transfer	Purchases	Rewards	Representative APR (Variable)	Product Reviews
www.nationwide.co.uk	Nationwide Building Society Select Card	0% 20 months 3.1% fee	0% 12 months	Cashback	12.9% APR	Read review
	Apply for c/a and card at the same time Unlimited commission-free purchases 0.5% cashback on sterling purchases Availability subject to status The interest rate charged on balance transfers after the introductory period will dependent on your personal circumstances and can range from 9.9% APR to 19.9% APR. The interest rate charged on purchases after the introductory period will dependent on your personal circumstances and can range from 9.9% APR to 19.9% APR. You will receive 0.5% unlimited cashback on all sterling purchases. Receive up to 56 days interest free on new purchases if you pay your statement in full and on time every month. The minimum repayment on this card is any default charges and interest due on your statement plus 1% of the remaining statement balance, or £25, whichever is the greater. Balances of less than £25 must be paid in full. You will be assessed on your personal circumstances and credit history to determine the APR available to you. This may result in you being offered a different rate than that quoted. This card offers a 0% introductory period on purchases of 12 months, as well as 0% on balance transfers for 20 months. However, you must have a Nationwide FlexAccount and use this as your main current account to qualify for the offer. After the introductory periods finish, the card has a low APR of just 12.9%, but you should still try to clear your balance every month to avoid paying interest. Borrowers who wish to transfer a balance across to this card will be charged a 3.1% handling fee, with a minimum charge of £5. The card offers unlimited cashback of 0.5% on all sterling purchases, as well as unlimited commission-free purchases abroad, making it a good option for regular travellers. To be eligible to apply you must hold a FlexAccount with a Visa debit card (not cash card+) and have been paying in £750 (excluding internal transfers) a month for the last three months, or complete an account transfer to Nationwide (from a non-Nationwide account) using their account transfer service, or have done so in the last four months. For cashback, you must continue paying £750 or more into your FlexAccount each month (excluding internal transfers). You must also be aged 18 or over and have a gross income each year of more than £5,000. You must also not have missed three or more payments on any credit commitments in the last 12 months, or been rejected for a Nationwide credit card.
	Representative Example: If you spend £1,200 at a purchase interest rate of 12.9% (variable) your Representative APR will be 12.9% (variable).
www.nationwide.co.uk	Nationwide Building Society Credit Card	0% 20 months 3.1% fee	0% 3 months	Shopping Travel	15.9% APR	Read review
	Rewards for Abroad feature Fraud protection guarantee UK only call centres No transfers from other Nationwide cards Nationwide is offering a choice of introductory offers: 20 months 0% interest on balance transfers and 3 months 0% on purchases or 6 months 0% on purchases. You will need an excellent credit rating and to be over 18 years old however there is no minimum earnings requirement. With Nationwide’s 'Rewards for Abroad' feature they will reward you every time you make purchases in pounds sterling with a commission-free foreign allowance. For example if you spend £100 on your shopping in a month (UK, Sterling) you’ll automatically be rewarded with £20 worth of commission-free allowance to use on purchases in a foreign currency. In order to take advantage of the 0% balance transfer period you will need to transfer your balance within 3 months of your account opening and there will be a transfer fee of 3.1%. This card does not accept balance transfers from other Nationwide credit cards. Nationwide is offering a choice of introductory offers: 20 months 0% interest on balance transfers and 3 months 0% on purchases or 6 months 0% on purchases. You will need an excellent credit rating and to be over 18 years old however there is no minimum earnings requirement. With Nationwide’s 'Rewards for Abroad' feature they will reward you every time you make purchases in pounds sterling with a commission-free foreign allowance. For example if you spend £100 on your shopping in a month (UK, Sterling) you’ll automatically be rewarded with £20 worth of commission-free allowance to use on purchases in a foreign currency. In order to take advantage of the 0% balance transfer period you will need to transfer your balance within 3 months of your account opening and there will be a transfer fee of 3.1%. This card does not accept balance transfers from other Nationwide credit cards. With Nationwide’s 'Rewards for Abroad' feature they will reward you every time you make purchases in pounds sterling with a commission-free foreign allowance. For example if you spend £100 on your shopping in a month (UK, Sterling) you’ll automatically be rewarded with £20 worth of commission-free allowance to use on purchases in a foreign currency. Refer to provider for full details. Nationwide are also offering a Simply Rewards scheme where you get a range of offers on major brands. You just need to use your credit card to take advantage of the offers, there are no points to collect or statements to wait for. Receive up to 56 days interest free on new purchases if you pay your statement in full and on time every month. The minimum repayment on this card is any default charges and interest due on your statement plus 1% of the remaining statement balance, or £25, whichever is the greater. Balances of less than £25 must be paid in full. You will be assessed on your personal circumstances and credit history to determine the APR available to you. This may result in you being offered a different rate than that quoted. This card offers no interest on balance transfers for 20 months. There’s a fee of 3.1%, with a minimum charge of £5 but you also get three months at 0% on new purchases. After the introductory period ends, you’ll pay a representative annual percentage rate (APR) of 15.9% variable. However, Nationwide offers a wide range of rates, depending on your circumstances. Some people will be offered an APR as low as 9.9% variable. You can find out what APR you’re likely to be given without leaving a footprint on your credit file. If you don’t have a balance to transfer then you can use this card as a purchase credit card. If you opt for this version on your application, you won’t get the 20 months interest-free offer. Instead, you’ll receive six months at 0% on purchases, which although not as competitive as some of the other purchase credit cards out there, is good when combined with the other main feature of this deal. Whether you use the card for balance transfers or purchases, it is one of the best cards for use overseas. When you spend with the card in the UK, you earn a certain amount of fee-free spending abroad, enabling you to use it when travelling without extra charges. You earn this fee-free overseas allowance at a ratio of five to one, meaning if you spend £2,500 in the UK, you can spend £500 abroad without paying commission or overseas usage fees. In addition, even if you don’t use the card that much in the UK, it still has one of the lowest commission charges at just 2%.
	Representative Example: If you spend £1,200 at a purchase interest rate of 15.9% (variable) your Representative APR will be 15.9% (variable).
www.nationwide.co.uk	Nationwide Building Society Credit Card	15.9% - 3.1% fee	0% 6 months	Shopping Travel	15.9% APR	Read review
	Rewards for Abroad feature 0% on purchases for 6 months UK only call centres No transfers from other Nationwide cards Nationwide is offering a choice of introductory offers: 20 months 0% interest on balance transfers and 3 months 0% on purchases or 6 months 0% on purchases. You will need an excellent credit rating and to be over 18 years old however there is no minimum earnings requirement. With Nationwide’s 'Rewards for Abroad' feature they will reward you every time you make purchases in pounds sterling with a commission-free foreign allowance. For example if you spend £100 on your shopping in a month (UK, Sterling) you’ll automatically be rewarded with £20 worth of commission-free allowance to use on purchases in a foreign currency. In order to take advantage of the 0% balance transfer period you will need to transfer your balance within 3 months of your account opening and there will be a transfer fee of 3.1%. This card does not accept balance transfers from other Nationwide credit cards. Nationwide is offering a choice of introductory offers: 20 months 0% interest on balance transfers and 3 months 0% on purchases or 6 months 0% on purchases. You will need an excellent credit rating and to be over 18 years old however there is no minimum earnings requirement. With Nationwide’s 'Rewards for Abroad' feature they will reward you every time you make purchases in pounds sterling with a commission-free foreign allowance. For example if you spend £100 on your shopping in a month (UK, Sterling) you’ll automatically be rewarded with £20 worth of commission-free allowance to use on purchases in a foreign currency. In order to take advantage of the 0% balance transfer period you will need to transfer your balance within 3 months of your account opening and there will be a transfer fee of 3.1%. This card does not accept balance transfers from other Nationwide credit cards. With Nationwide’s 'Rewards for Abroad' feature they will reward you every time you make purchases in pounds sterling with a commission-free foreign allowance. For example if you spend £100 on your shopping in a month (UK, Sterling) you’ll automatically be rewarded with £20 worth of commission-free allowance to use on purchases in a foreign currency. Refer to provider for full details. Nationwide are also offering a Simply Rewards scheme where you get a range of offers on major brands. You just need to use your credit card to take advantage of the offers, there are no points to collect or statements to wait for. Receive up to 56 days interest free on new purchases if you pay your statement in full and on time every month. The minimum repayment on this card is any default charges and interest due on your statement plus 1% of the remaining statement balance, or £25, whichever is the greater. Balances of less than £25 must be paid in full. You will be assessed on your personal circumstances and credit history to determine the APR available to you. This may result in you being offered a different rate than that quoted. This card offers a six month interest-free period on purchases, which is not as long as some other purchase credit cards. However, it also has additional perks which make it particularly suitable for some people. One is that you can find out the annual percentage rate (APR) you’re likely to pay before applying. The card has a representative APR of 15.9% variable but Nationwide offers a wide range of rates, depending on your circumstances. Some customers may be offered an APR as low as 9.9% variable. You can find out what APR you’re likely to be given without leaving a footprint on your credit file. On top of that, it is one of the best cards for use overseas. As you spend with the card in the UK, you earn a certain amount of fee-free spending abroad enabling you to use it when travelling without extra charges. You earn this fee-free overseas allowance at a ratio of five to one, meaning if you spend £2,500 in the UK, you can spend £500 abroad without paying commission or overseas usage fees. However, even if you don’t use the card that much in the UK, it still has one of the lowest commission charges at just 2%. If you have existing credit card debt, you could be better opting for the balance transfer version of the Nationwide card. It offers an interest free period on balance transfers of 20 months. There’s a fee of 3.1%, with a minimum charge of £5 but you also get three months at 0% on new purchases.
	Representative Example: If you spend £1,200 at a purchase interest rate of 15.9% (variable) your Representative APR will be 15.9% (variable).

Nationwide credit cards

Nationwide is the UK's largest building society and one of the country’s most trusted brands.

It is probably best known for savings accounts and mortgages, but Nationwide also offers other financial products including a current account, credit card, loans and insurance.

An increasing number of banks and building societies are restricting the availability of some products to existing customers only. Nationwide is one of these, so remember to check whether or not you qualify if you are interested in any of its deals.

Many credit card providers offer a range of different products but some have a more limited range. Nationwide have one core credit card which is flexible with either competitive balance transfer offer or purchase benefits to choose from. It is also offers fraud protection and is popular with regular travellers for its foreign usage offers.

Using a credit card abroad can be costly as most providers will charge a loading fee on foreign transactions. Nationwide’s credit card offers a 'Rewards for Abroad' feature they will reward you every time you make purchases in pounds sterling with a commission-free foreign allowance. For example if you spend £100 on your shopping in a month (UK, Sterling) you’ll automatically be rewarded with £20 worth of commission-free allowance to use on purchases in a foreign currency.

Glossary of terms

APR

This stands for Annual Percentage Rate. Any firm that lends money is required by law to quote the APR. Introductory rates do not include arrangement fees you may be charged and also don’t reflect any higher rate of interest that your borrowings will ultimately revert to. The APR takes into account the interest on a loan plus and additional charges making it easier for you to compare products. In general, the lower the APR the better the deal.

Balance Transfer

Balance transfer rates are applied to existing card debt that is being moved from one issuer to another or a consolidation of other debts. These rates tend to be lower than standard rates and apply to the debt transferred or consolidated for a specified term or until it is repaid in full.

Credit Card

Credit cards are a form of borrowing used to purchase goods and services, to obtain cash advances and for consolidating debt.

Direct Debit

This allows an organisation to take money directly from a persons bank account

Minimum payment

The amount you must pay each month to keep your account in order

Interest-free period

The time between when you buy something on the card and the date when you must pay your monthly bill. This can be 50 days or more and is interest-free. So if you settle your bill in full every month, it's free borrowing.

Promotional Rate

A rate that is applied to your account until a given expiry date. Thereafter it will revert to the rate applicable to your account at that time.

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Nationwide credit cards

Glossary of terms

APR

Balance Transfer

Credit Card

Direct Debit

Minimum payment

Interest-free period

Promotional Rate

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