Nationwide Select Credit Card
*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 2.95% (minimum £5.00). ** Sterling purchases only (balance transfers, cash advances and payment protection insurance premiums are excluded).
The Nationwide Select Credit Card - exclusively available for our main FlexAccount holders
The Nationwide Select Credit Card features our best ever introductory offers for purchases and balance transfers. Add to this 0.5% cashback on all sterling purchases, commission-free purchases abroad and you have our best ever credit card. This exclusive credit card is only available to our main FlexAccount holders which supports our commitment to rewarding our members.
Are you eligible to apply for the Nationwide Select Credit Card?
To apply, you must hold a FlexAccount with a Visa debit card (not cash card+) and:
- Have been paying in £750 (excluding internal transfers) a month for the last three months, or;
- Complete an account transfer to us (from a non-Nationwide account) using our Account Transfer Service, or have done so in the last four months
For cashback, you must continue paying £750 or more into your FlexAccount each month (excluding internal transfers).
Already have a FlexAccount and not sure if you qualify?
Don't worry, the secure online application form will tell you at the start of the application process if you qualify for the Nationwide Select Credit Card.
Don't have a FlexAccount?
You can apply for a FlexAccount and a Nationwide Select Credit Card at the same time.
Key features and benefits
- 0% on purchases and balance transfers
|
0% on purchases for 18 months*
0% on balance transfers for 17 months* (2.95% handling fee - £5.00 minimum) |
|
Representative 12.9% APR (variable).
Other rates from 9.9% to 19.9% APR apply depending on individual circumstances. |
- Unlimited commission-free purchases abroad
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All purchases overseas will be free of any commission charges. Find out more |
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Receive 0.5% cashback on all your sterling credit card purchases**. |
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A great range of savings on big brands. Find out more |
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With UK call centres it's easy to manage your credit card with us. |
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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. |
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Manage your account when and where it suits you. Log on to check your balance, view statements and much more. |
Use our benefits calculator to see why the Nationwide Select Credit Card could be right for you. Our calculator will show you the benefits of Nationwide Select Credit Card compared to your current credit card.
Ready to apply? It's quick and easy online...
Or use our benefits calculator to see why this card could be right for you
Nationwide Select Credit Card
Nationwide Select Credit Cards terms & conditions
Summary Box
| APR |
- Representative 12.9% APR (variable).
- Other rates from 9.9% to 19.9% APR apply depending on individual circumstances.
|
| Interest rates |
Introductory rate |
Monthly rate |
Annual rate |
| |
|
from |
to |
from |
to |
| Purchases |
0% p.a. for 18 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% for 17 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 2.95% (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 |
From |
Until |
| 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 first to debts appearing on your statement in a high to low interest rate order, and then to any transactions that have not yet appeared on your statement, in the same high to low order. If you have more than one balance with the same interest rate we will reduce the balance with the earliest expiry date first. |
| Minimum repayments |
- Any default charges and interest due on your statement plus 1% of the remaining statement balance, or £25, whichever is the greater.
- Balances of less than £25 must be paid in full.
|
| Amount of credit |
Minimum credit limit |
£500 |
| Maximum credit limit |
subject to status. |
| Fees |
|
| Charges |
| Cash advances |
2.5% handling fee, minimum £3.00 |
| Balance transfers |
2.95% 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. |
| 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 currency purchases
|
No charge. |
|
| Default charges |
| |
Late/missed payment fee |
£12.00 |
| Over limit fee |
£12.00 |
| Returned payment fee |
£12.00 |
Ready to apply? It's quick and easy online...
Or use our benefits calculator to see why this card could be right for you
Using your credit card abroad
The Nationwide Select Credit Card features commission-free purchases abroad. Quite simply all purchases overseas will be free of any commission charges.
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 . 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.
Ready to apply? It's quick and easy online...
Or use our benefits calculator to see why this card could be right for you
Benefits calculator
Use our benefits calculator to see why the Nationwide Select Credit Card could be right for you. You may have some balances to transfer, some purchases in mind or both. Whatever you plan to do our calculator will show you the benefits of Nationwide Select Credit Card compared to your current credit card.
The following tool uses a slider control which may be difficult to use with a screen reader. You can use our accessible version, or alternatively skip to the next section
Please use the sliders on the left to answer the questions. Your benefits will then appear in the boxes on the right.
What is your current APR?
Planned purchases? (within 1 month of opening)
How much do you expect to spend on your credit card each month?
Your existing interest rate
0% on Balance Transfers for 17 months
0% on Purchases for 18 months
Annual cashback earned (0.5% on all purchases)
How the benefits are calculated
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 2.95% (minimum £5) is included. The calculator assumes a constant account balance and interest charged from account opening.
The earnings figure indicates the amount of cashback awarded annually based on you receiving 0.5% cashback on all your sterling purchases.
*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 2.95% (minimum £5.00).
** Sterling purchases only (balance transfers, cash advances and payment protection insurance premiums are excluded).
Nationwide Building Society subscribes to the Lending Code. For more information on the Lending Code please visit .