0% on balance transfers for 20 months*
(3.1% balance transfer fee applies - minimum £5.00)
0% on purchases for 3 months*
0% on purchases for 6 months*
15.9% APR Representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 15.9% p.a. (variable)
*Introductory rates apply from the date the account is opened. Balance transfers at 0% must be made within 3 months from account opening and are subject to a fee of 3.1% (minimum £5.00). If you already hold a Nationwide credit card or have closed one in the last 12 months you will not be eligible for the introductory offers.
The Nationwide Credit Card could save you money whether you're looking to transfer a balance or make purchases. We're offering a choice of introductory offers so that you can choose the one which suits your needs.
Need some help to decide which offer is best for you? Use our balance transfer and purchases savings calculator to work out which offer could save you the most.
Nationwide Credit Cards terms & conditions
With our great 'Rewards for Abroad' feature we 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.
Calculations are based on a ratio of 5:1, with expenditure representing "5" and reward representing "1". Minimum transaction amount to earn commission-free reward is 5p.
If you carry out a transaction using your card in a currency other than sterling, it will be converted to sterling on the day the transaction is processed by our card scheme providers at a wholesale rate of exchange. For an indication of that exchange rate, you can see the Visa wholesale rate of exchange at www.visaeurope.com/fxcalculator. This is an "indication" because transactions are processed when the retailer passes them on to the scheme provider, which is generally not on the same day the transaction took place.
To compare the costs of using different Nationwide cards abroad, please see the using your cards abroad page.
Commission-free allowance is available to spend as soon as your sterling purchase transaction has been posted to your account - this is usually within 48 hours of the purchase being made.
The information will be displayed on your credit card statement (available online if you have internet banking) or you can call Credit Card Services on 08457 99 88 99.
If you are given a refund for a purchase on which you accrued commission-free allowance we will deduct the commission-free allowance accrued on the original purchase.
Commission-free allowance is accumulated at an account level, so any qualifying spend on any card on the account would be applied on an account level basis. Any overseas spend on any card on the account would use the commission-free allowance.
Use our calculator to see which credit card offer is best for you. You may have some balances to transfer, a purchase in mind or both. Whatever you plan to do our calculator will show you which offer could save you the most compared to your current credit card.
The savings figures indicate the interest saving over the stated 0% introductory periods compared to your current APR. If applicable, a balance transfer fee of 3.1% (£5.00 minimum) is included. The calculator assumes a constant account balance and interest charged from account opening.
Apply for a Nationwide Credit Card in 2 easy steps:
You will need about 10 minutes to complete our secure application form.
* If you accept your quote, we will leave a record of our check on your credit file that other lenders can see. This is a normal part of many credit application processes but it might affect your ability to obtain credit elsewhere for a short period of time.
** Sterling purchases only (balance transfers, cash advances and payment protection insurance premiums are excluded).
Find your local branch
Call 0800 121 6939
Mon - Fri: 8am-8pm
Sat & Sun: 9am-5pm
Credit cards are available to those aged 18 or over and are subject to circumstances.
Nationwide Building Society subscribes to the Lending Code. For more information on the Lending Code please visit http://www.lendingstandardsboard.org.uk/.