Rating based on 35 reviews



  • No annual fees
  • Low-interest starting from 17.9%
  • Exclusive rewards

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Author Nationwide. Screenshot of Nationwide website. [Accessed December 18, 2018]

About Nationwide

Nationwide provides credit card facilities that are secure, comfortable and offers a long term financial credit facility available to you.

The most important feature is that our credit card facility is built first and foremost on the needs of the people with a mutual society heritage.

World’s largest mutual financial institute

After various mergers, Nationwide is the world’s largest mutual financial institution, the UK’s second largest mortgage provider, and one of the UK’s largest savings providers. Our services are popular because we have it all. From heritage, culture and ethos that remain unique to a solid business foundation is how we have become a preferred credit card provider.

Committed to our members

Since our establishment decades ago, one thing has not changed at all. And that is that we have remained solid, stable and dependable. Nationwide is committed to doing the right thing by our members, and committed to our mutual heritage.

The Nationwide Credit Card

Our credit cards are available to members only, which requires you to have a current account, mortgage or savings account with us.

No interest. No Hassle.

If you are looking for a no interest, hassle free credit card service, we have just what you are looking for. Contact us today to discuss your options.

Nationwide Services

We offer two different credit card options that are available to Nationwide members.

Here are the features of each one of our credit card facilities.

The Select Credit Card

  • Only available to members who have their main current account with us
  • 0% on balance transfers for 12 months
  • Balance transfers at 0% must be completed within the first three months of account opening
  • With a no balance transfer fee for the first three months of account opening, the standard rate will revert to 2.4% after the first three months
  • 0% on purchases for 12 months
  • Earn 0.5% unlimited cashback
  • Collect 0.5% unlimited cashback on all purchases in pounds sterling
  • Unlimited commission-free purchases abroad
  • Access to exclusive cashback offers when you shop online and on the high street, with Simply Rewards

The Nationwide Credit Card

  • Available to members who have a Nationwide current account, mortgage or savings account
  • 0% on balance transfers for 12 months
  • Quickly and easily apply for a loan online
  • Balance transfers at 0% must be completed within the first three months of account opening
  • There is a no balance transfer fee, which is applicable for the first three months of account opening and thereafter the rate will revert to 2.4%
  • 0% on purchases for 12 months
  • Introductory rate applies from the date the account is opened
  • Commission-free allowance – we will reward you with a commission- free allowance to use abroad on any purchases in pounds sterling whixh functionas as an affordable quick cash loan
  • Access to exclusive cashback offers when you shop online and on the high street, with Simply Rewards
  • A wide range of savings on big brands, with Simply Rewards

Nationwide Product Details

  • Loan Type Credit Cards
  • Interest Rate from 17.9%

Benefits of Nationwide

  • No interest on balance transfers
  • Unlimited cashback

A no interest, hassle free credit card service is what we offer

Apply online, visit your nearest branch or contact us today to apply for one of our competitive credit cards.

Extra features that come with our credit cards

  • Mobile and online banking
  • No annual fee
  • Protection from fraud
  • 17.9% APR representative (variable)

Minimum requirements - Nationwide credit cards are available to UK residents aged 18 or over and are subject to status. Other required criteria may apply.

What makes us different?

  1. The UK’s most trusted financial brand
    We are proud to have won the Which? Best Banking Brand of the Year 2017 award. Additionally, an independent research agency found we’re the number one for customer satisfaction.
  2. Run for the benefit of our members
    Nationwide is a mutual, which means we are owned by members, and run for the benefit of our members. Being a mutual society financial provider allows us a great amount of freedom to offer our members only the very best services, products, rates and fees.
  3. Members have a say
    We have introduced a greater choice of current accounts, upgraded our internet bank and improved the quality of service we offer because of the valuable feedback from our customers.
  4. Passionate about giving back
    We are most proud of having invested and unlocked more than £21 million into community and charity support over the past five years. Our members are able to suggest charities they would like to see funded under our charity initiatives.
  5. We reward members
    Our members enjoy fantastic rewards such as preferential rates or even cash for recommending us to friends. Nationwide offers a lot more than simply a bank account. We strive to develop long-term member relationships.
  6. Committed to being an ethical business
    Our business is underpinned by our core values of decency, fairness and dependability and each decision is made upon these values. As our members are at the heart of what we do, we always consider their wellbeing in everything we do.
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Nationwide is a trusted & reliable provider of credit cards

In our review, Nationwide adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

Nationwide is a registered credit provider in the UK; FCA number 106078

Customer Reviews & Testimonials

When I found out I could get an interest free credit card I was sold immediately. Great terms and low fees.

Ashleigh P
— Edinburgh —

Nationwide consultants were very gracious in helping me figure out which of their credit card options was right for my needs. Thank you to your wonderful staff!

Claudia M
— Exeter —

Nationwide Contact Details

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