Nationwide Credit Card

Choose the offer that's best for you

Balance transfers

0% on balance transfers for 20 months*
(3.1% balance transfer fee applies - minimum £5.00)
0% on purchases for 3 months*

Purchases

0% on purchases for 6 months*

Representative Example:

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.

Apply now

Or find out more about all the benefits of a Nationwide Credit Card

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.

Key features and benefits
Rates and charges
Usage abroad
Which offer is best for me?
Apply now details

Key features and benefits

Choice of introductory offers	Choose from 0% on balance transfers for 20 months plus 0% on purchases for 3 months (3.1% balance transfer fee applies - minimum £5.00) or 0% on purchases for 6 months*.
Low APR	Representative 15.9% APR (variable). Other rates from 9.9% to 19.9% APR apply depending on individual circumstances.
Earn commission-free foreign transactions	We will reward you every time you use your card for purchases in pounds sterling with commission-free purchases abroad. Find out more
Simply Rewards	A great range of savings on big brands. Find out more
UK call centres	With UK call centres it's easy to manage your credit card with us.
Fraud guarantee	With round-the-clock account monitoring and the latest card and system protection technologies - we've got you covered.
Interest-free period	Maximum 56 days for purchases if you pay your total balance on your statement, including any balance transfers, in full and by the due date.
Manage account online	Manage your account when and where it suits you. Log on to check your balance, view statements and much more.

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.

Rates and charges

Nationwide Credit Cards terms & conditions

Balance transfer and purchases offer

Interest rates	Introductory rate	Monthly rate		Annual rate
APR	Representative 15.9% APR (variable). Other rates from 9.9% to 19.9% APR apply depending on individual circumstances.
		from	to	from	to
Purchases	0% p.a. for 3 months* on purchases	0.794%	1.527%	9.9%	19.9%
Cash advances	n/a	2.075%	n/a	27.9%	n/a
Balance transfers	0% p.a. for 20 months* on balance transfers	0.794%	1.527%	9.9%	19.9%
*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).

Purchases offer

Interest rates	Introductory rate	Monthly rate		Annual rate
APR	Representative 15.9% APR (variable). Other rates from 9.9% to 19.9% APR apply depending on individual circumstances.
		from	to	from	to
Purchases	0% p.a. for 6 months* on purchases	0.794%	1.527%	9.9%	19.9%
Cash advances	n/a	2.075%.	n/a	27.9%	n/a
Balance transfers	n/a	0.794%	1.527%	9.9%	19.9%
*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).

Interest charging information	From	Until
Interest-free period	Maximum 56 days for purchases if you pay your total balance on your statement, including any balance transfers, in full and by the due date. No interest-free period on balance transfers or cash withdrawals. Interest on balance transfers and cash withdrawals will be charged at the rates shown above.
Purchases	date transaction applied to your account	statement balance total paid in full
Cash advances	date transaction applied to your account	statement balance total paid in full
Balance transfers	date transaction applied to your account	statement balance total paid in full
	The transaction date is the date the amount appears on your account.
Interest is calculated daily on the account balance. You will not pay interest on new purchases if you pay your balances in full and on time. Otherwise, the period over which interest is charged is as above
Allocation of payments	We will apply payments to debt bearing the highest interest rate first and, subsequently, to debt bearing lower interest rates in a high to low interest rate order. We will apply payments in this order, first to debt shown on your current statement and then to any debt which has not yet appeared on your statement.
Minimum repayments	Where there is a balance on the account, you must pay us a minimum monthly payment equal to (i) any default charges and interest due on your statement plus 1% of the remaining statement balance, or (ii) £25, whichever is higher. If the balance is less than £25 you must pay what you owe us in full
Amount of credit	Minimum credit limit	£500
Amount of credit	Maximum credit limit	Subject to status.
Fees	No annual fee.
Charges
Cash fee	2.5% (minimum £3.00) of the amount withdrawn on each cash advance.
Balance transfer fee	3.1% (minimum £5.00) of the amount of each balance transfer.
Copies of statements	£5 for one copy and £10 for two or more copy statements, unless we tell you that a charge is not payable.
Card replacement	If any card on your account is lost, stolen or damaged, we will replace it free of charge twice in a 12 month period. For each and every replacement card issued after that in this period you will be charged £10 per card.
Foreign usage Compare the costs of using your card abroad	Visa Exchange Rate	Rates can be found at www.visaeurope.com/en/cardholders/exchange_rates.aspx
	One or more of the following may apply:
	Non-Sterling Transaction Fee	2% of the transaction amount that is not covered by any commission-free allowance you may have earned
	Cash Fee	2.5% (min £3.00) of the amount withdrawn on each cash advance

Default charges
	Late payment fee	£12.00
	Over limit fee	£12.00

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.

How it works

Build your allowance - all purchases made in pounds sterling count towards your reward allowance.
See how much you've earned - the allowance you've earned will appear on your monthly statement so you know exactly where you stand before you go on holiday. And there's no limit to what you can earn - if you don't use it all up one year, it will be carried forward to the next year.
Low commission charge - for purchases abroad over and above your allowance, you'll be glad to know that the 2% fee we charge is lower than many other cards.

Rewards for abroad calculator

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.

Purchases and cash machine withdrawals

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.

Questions & Answers

When is my commission-free allowance available to spend?: 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.
Where can I find out what my commission-free allowance balance is?: 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 I return an item which has earned me commission-free allowance, what will happen to my commission free allowance if I return the item?: 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.
Do additional card holders accrue their own commission-free allowance?: 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.

Which offer is best for me?

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 now

Apply for a Nationwide Credit Card in 2 easy steps:

Answer the questions below: Please tell us which introductory offer you'd like to apply for and if you use our internet banking
Start application: You will be taken to our secure application which includes a no obligation quote that will not affect your credit rating* and the option to transfer existing balances

How long will it take?

You will need about 10 minutes to complete our secure application form.

What will I need?

Address details for the last 3 years
Employment details
i.e. employer's name and address

Representative Example:

15.9% APR Representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 15.9% p.a. (variable)

Important information

Please take some time to read: Nationwide Credit Card terms & conditions
View the Nationwide Credit Card summary box
Do you already have a Nationwide credit card?
If so, unfortunately you will not be eligible for the introductory offers. However you can still switch cards by calling Credit Card Services on 08457 99 88 99.
Have you closed a Nationwide credit card in the last 12 months?
If so, unfortunately you will not be eligible for the introductory offers. However you can still apply for a new card and enjoy all the other benefits.

* 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.

Which introductory offer would you like to apply for?

Balance transfers

0% on balance transfers for 20 months*
(3.1% balance transfer fee applies - minimum £5.00)
0% on purchases for 3 months*

Purchases

0% on purchases for 6 months*

** Sterling purchases only (balance transfers, cash advances and payment protection insurance premiums are excluded).

Apply now

Or find out more about all the benefits of a Nationwide Credit Card

Apply now

Or find out more about all the benefits of a Nationwide Credit Card

Apply now

Or find out more about all the benefits of a Nationwide Credit Card

Other ways to apply:

In branch

Find your local branch

By phone

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/.