Apply now

Gold card details


Gold card


Summary box

APR Typical 16.9% APR variable
Interest rates Introductory rate Monthly rate Annual rate
Purchases 0% p.a. for 3 months* on purchases 1.313% p.m. 16.9% p.a.
Cash advances n/a 2.075%p.m. 27.9% p.a.
Balance transfers 0% p.a. for 15 months* from account opening on balances transferred in the first 3 months 1.313% p.m. 16.9% p.a.
*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% (minimum £5.00).
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.
Interest charging information 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 follows:
  From Until
Purchases transaction date statement balance total paid in full
Cash advances transaction date statement balance total paid in full
Balance transfers date applied to your account statement balance total paid in full
The transaction date is the date the amount appears on your account.
Allocation of payments We will apply payments initially to fees, charges and interest shown on your statement, and subsequently, to the debt bearing the highest interest rate.
Minimum repayments 3% or £5 whichever is the higher.
Amount of credit Minimum credit limit of £500, maximum credit limit subject to status.
Fees No annual fee.
Charges
Cash advances
2.5% handling fee, minimum £3.00.

Balance transfers 
3% handling fee, minimum £5.00 is payable on 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.

Third party foreign currency charges
We pass on a charge of 1% of the transaction amount which is made by Visa for converting transactions made in foreign currencies outside the Visa Europe region. This charge will be included in the sterling amount which appears on your statement. For details of the countries affected please see nationwide.co.uk/foreigntransactions

Default charges Late payment £12.00
Over limit £12.00
Returned item £12.00

 

Based on a purchase of £1,000
Gold Card (16.9% APR)
Monthly Payment Minimum paid each month £50 paid each month
Including introductory rates, how much interest will be charged in the first year? £104 £88
How much interest will be charged in the second year? £116 £46
How long would it take to clear the balance? 12 years 5 months 2 years
Table assumes initial transaction takes place on the first date of the agreement and no further transactions are made. Payment is always made each month on the 15th.

Nationwide Building Society subscribes to the Lending Code. For more information on the Lending Code please visit www.lendingstandardsboard.org.uk.

Apply now