Rates & Charges

Nationwide Credit Card
Nationwide Select Credit Card
Gold card
Classic card
Reward card

Nationwide Credit Card

Nationwide Credit Cards terms & conditions

Summary Box

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)

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 balances 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	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

Select card

Nationwide Select Credit Card terms & conditions

Representative Example:

12.9% APR Representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 12.9% p.a. (variable)

Summary Box

Interest rates	Introductory rate	Monthly rate		Annual rate
APR	Representative 12.9% 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 12 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).

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	Visa Exchange Rate	Rates can be found at www.visaeurope.com/en/cardholders/exchange_rates.aspx
	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

Gold card

Gold and Classic cards terms & conditions

Withdrawn to new business on 22/02/11

Summary Box

Interest rates	Introductory rate	Monthly rate		Annual rate
APR	Representative 16.9% 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 15 months* on balances 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% (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	You must pay us a minimum monthly payment equal to (i) 3% of the remaining statement balance, or (ii) £5, whichever is higher. If the balance is less than £5 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% (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	Visa Exchange Rate	Rates can be found at www.visaeurope.com/en/cardholders/exchange_rates.aspx
	One or more of the following may apply:
	Payment Scheme Exchange Fee	1% of the transaction amount. This is charged for converting transactions made in foreign currencies outside the Visa Europe region and is applied by adjusting the Visa Exchange Rate.
	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

Classic card

Gold and Classic cards terms & conditions

Withdrawn to new business on 22/02/11

Summary Box

Interest rates	Introductory rate	Monthly rate		Annual rate
APR	Representative 19.9% 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 15 months* on balances 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% (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	You must pay us a minimum monthly payment equal to (i) 3% of the remaining statement balance, or (ii) £5, whichever is higher. If the balance is less than £5 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% (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	Visa Exchange Rate	Rates can be found at www.visaeurope.com/en/cardholders/exchange_rates.aspx
	One or more of the following may apply:
	Payment Scheme Exchange Fee	1% of the transaction amount. This is charged for converting transactions made in foreign currencies outside the Visa Europe region and is applied by adjusting the Visa Exchange Rate.
	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

Reward card

Reward card terms & conditions

Withdrawn to new business on 11/01/06

Summary Box

Interest rates	Introductory rate	Monthly rate		Annual rate
APR	Representative 17.9% 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 15 months* on balances 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% (minimum £5.00).

Interest charging information	From	Until
Interest free period	Maximum 46 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	You must pay us a minimum monthly payment equal to (i) 3% of the remaining statement balance, or (ii) £5, whichever is higher. If the balance is less than £5 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% (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	Visa Exchange Rate	Rates can be found at www.visaeurope.com/en/cardholders/exchange_rates.aspx
	One or more of the following may apply:
	Payment Scheme Exchange Fee	1% of the transaction amount. This is charged for converting transactions made in foreign currencies outside the Visa Europe region and is applied by adjusting the Visa Exchange Rate.
	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

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