Since August 2007, Nationwide has acquired the Portman, Derbyshire, Cheshire and Dunfermline building societies and is now the UK’s largest mutual by a significant margin.
Nationwide credit cards are only available to existing customers who have a current account, mortgage or savings with Nationwide. These cards are particularly competitive when it comes to 0% on purchases, a low APR relative to the market, and – most significantly – use when abroad.
Guide to Nationwide credit cards
Nationwide is Britain’s biggest building society, offering both balance transfer credit cards and cards for purchases. Its credit cards are only available to customers who have their main current account, mortgage or savings with Nationwide.
Some of Nationwide’s cards are particularly competitive for overseas use, offering commission-free purchases abroad. You also get access to cashback at various stores when shopping online and on the high street.
Nationwide credit cards are fully regulated by the city regulator the Financial Conduct Authority (FCA).
Credit cards give you valuable consumer protection that cash and debit cards don’t. Under Section 75 of the Consumer Credit Act, if you pay for goods or services using a credit card, the card provider is jointly liable with the retailer if something goes wrong. This protection only applies to items or services costing between £100 and £30,000. So, for example, if you ordered a bed costing £500 and the shop you bought it from goes bust before it is delivered, the credit card provider should provide you with a full refund.
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Moneysupermarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.