The Nationwide Select Credit Card

The only credit card you may ever need

Our Nationwide Select Credit Card is exclusively available to our main current account customers.

Nationwide Select Credit Card

With the Nationwide Select Credit Card you could benefit from:

0% on balance transfers

0% for 26 months on balance transfers made within 3 months from account opening* with a handling fee offer of only 2.4% (minimum £5.00)

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0% on purchases

We'll give you 0% on purchases for 15 months*

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Using your card abroad

Unlimited commission-free purchases abroad with a Nationwide Select Credit Card.

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Earn 0.5% Cashback

You can earn 0.5% unlimited money back on all your sterling purchases.

Cashback

Cashback

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

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Banking on the go

Our free mobile app lets you check and manage your money on the move.

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Protection from fraud

Our Fraud Guarantee gives you 24/7 account monitoring and the latest card protection technology.

Find out more

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 2.4% (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.
Credit cards are available to those aged 18 or over and are subject to your circumstances.

Use our benefits calculator to find out 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.

Are you eligible?

To apply for our Nationwide Select Credit Card you must be a main current account customer. This means you either:

  • 1. 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 switch to us (from a non-Nationwide account) using our Current Account Switch Team or have done so in the last 4 months; or
  • 2. Hold a FlexDirect or FlexPlus account.

  • In order to earn cashback you must remain a main current account customer.

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 the Nationwide Select Credit Card compared to your current credit card.

Nationwide Select Credit Card calculator

Use our benefits calculator to see why the Nationwide Select Credit Card could be right for you. Just use the sliders on the left to enter your details. Your benefits will then appear in the boxes on the right.

You could save   by transferring this balance to Nationwide
You could save £0.00 on purchases made in the first month, assuming no additional charges are made

Savings summary

  • Balance Transfer saving: 
  • Purchases saving: 
Total savings:
 

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 2.4% (£5.00 minimum) is included. The calculator assumes a constant account balance and interest charged from account opening.

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).

With cashback you can earn 0.5% unlimited money back on all your sterling purchases

Build your earnings

All purchases made in pounds sterling count towards your cashback amount.

Cashback

Cashback

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

See how much you've earned

The amount you've earned will appear on your monthly statement so you know exactly where you stand each month. 

Enjoy your cashback earnings

Your cashback earnings will be credited back to your account each December.

How much could you earn?

Use the slider below to help you work out how much you could earn

Min:
Max:
Amount of cashback earned (annually):
 

0.5% cashback on all sterling purchases

Cashback

Cashback

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

How cashback works

The cashback you earn does not count towards the minimum monthly payment required to hold a Select Credit Card. Any purchases which are subsequently refunded, will be deducted from your cashback reward. In order to earn cashback you must remain a main current account customer by continuing to meet our eligibility criteria. Sterling purchases only (balance transfers, cash advances and payment protection insurance premiums are excluded).

Nationwide Select Credit Card interest rates and charges

APR

Representative 15.9% APR (variable)
Other rates from 12.9% to 19.9% APR apply depending on individual circumstances.

Interest rates Introductory rates Monthly rate Annual rate
from to from to
Purchases 0% p.a. for 15 months* on purchases 1.020% 1.527% 12.9% 19.9%
Cash advances n/a 2.075% n/a 27.9% n/a
Balance transfers 0% p.a. for 26 months* on balance transfers 1.020% 1.527% 12.9% 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 2.4% (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.

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 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 payments
  • 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.
Credit limit

Minimum credit limit     

£500
Maximum credit limit      Subject to status
Fees
No annual fee
Cash fee
2.5% (minimum £3.00) of the amount withdrawn on each cash advance.
Balance transfer fee
2.4% (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 Visa Europe exchange rate
Cash Fee
2.5% (min £3.00) of the amount withdrawn on each cash advance

Default fees

Late payment fee £12.00
Over limit fee £12.00

Useful documents

With Select, there's no commission charge for credit card purchases abroad

Yes, that's right, the Nationwide Select Credit Card features commission-free purchases abroad. Quite simply all purchases overseas will be free of any commission charges - which is great news for your holiday spending!

How overseas purchases and cash advances work

If you carry out a transaction using your card in a currency other than sterling, it'll 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 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 rates and charges for using your card abroad, please see our using your cards abroad page.

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. 17.9% APR representative (variable). Find out more

Credit cards are availale to those aged 18 or over and are subject to your circumstances.

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