Nationwide Select Credit Card
The only credit card you could ever need
- 0% on balance transfers for 20 months* (3.1% balance transfer fee applies - minimum £5.00)
- 0% on purchases for 12 months*
- Unlimited cashback - 0.5% on all sterling purchases**
- Unlimited commission-free purchases abroad
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)
Apply now*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.
To get access to our range of Flexclusive offers you must either:
- Hold a FlexAccount with a Visa debit card (not cash card or cash card+) and:
- Have been paying in £750+ a month (excluding internal transfers) for the last 3 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 4 months; or
- Hold a FlexDirect or FlexPlus account.
For cashback, you must maintain a main current account relationship with us.
Already have a current account 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 current account?
You can apply for a current account and a Nationwide Select Credit Card at the same time.
Key features and benefits
- 0% on balance transfers and purchases
| 0% on balance transfers for 20 months* (3.1% balance transfer fee applies - minimum £5.00)
0% on purchases for 12 months* |
| Representative 12.9% APR (variable).
Other rates from 9.9% to 19.9% APR apply depending on individual circumstances. |
- Unlimited commission-free purchases abroad
| All purchases overseas will be free of any commission charges. Find out more |
| Earn 0.5% unlimited cash reward (also known as cashback) on all your sterling purchases**. You can keep track of how much you’ve earned by checking your credit card statement. Each December, we’ll credit your credit card account with the cashback you’ve earned. It’s that simple. |
| A great range of savings on big brands. Find out more |
| With UK call centres it's easy to manage your credit card with us. |
| 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 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 youNot a main current account customer?
You can still get a great deal with our Nationwide Credit Card. Not only does it come with a choice of two great introductory offers, you can also earn commission-free purchases abroad. 15.9% APR representative (variable). Find out more
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 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-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 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 |
|---|
| Maximum credit limit | subject to status. |
| Fees | |
|---|
| 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 |
| 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 |
Ready to apply? It's quick and easy online...
Or use our benefits calculator to see why this card could be right for youNot a main current account customer?
You can still get a great deal with our Nationwide Credit Card. Not only does it come with a choice of two great introductory offers, you can also earn commission-free purchases abroad. 15.9% APR representative (variable) Find out more
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.
To compare the costs of using different Nationwide cards abroad, please see the using your cards abroad page.
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 youNot a main current account customer?
You can still get a great deal with our Nationwide Credit Card. Not only does it come with a choice of two great introductory offers, you can also earn commission-free purchases abroad. 15.9% APR representative (variable) Find out more
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 20 months
0% on purchases for 12 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 3.1% (£5.00 minimum) 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.
Not a main current account customer?
You can still get a great deal with our Nationwide Credit Card. Not only does it come with a choice of two great introductory offers, you can also earn commission-free purchases abroad. 15.9% APR representative (variable). Find out more
*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).
**The cashback you earn does not count towards the minimum monthly payment required to hold a Select Credit Card and any purchase which are subsequently refunded, will be deducted from your cashback reward.
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 .