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Purchase and balance transfer credit card

With introductory offers of 0% interest on purchases and balance transfers for 15 months.

24.9% APR representative (variable). Our credit cards are just for our members.

Our purchase and balance transfer credit card

  • Transfer a balance to this card
    0% interest for the first 15 months. 2.99% balance transfer fee. Minimum fee of £5

  • Spend in the UK and abroad with 0% interest
    Pay no interest on purchases made in the first 15 months

  • Spend abroad with no fees from us
    We won't charge you fees for buying things when you're abroad. Individual sellers may apply their own charges

  • Check if you’re eligible without impacting your credit score
    We’ll share the offer we can give you before you apply

  • Control your card wherever you are
    Use our app to see how much you've spent, how much your next payment is and when it's due, make payments and report your card lost or stolen

Check if you’re eligible and apply

We'll ask you a few questions about your living situation, income and outgoings. Based on your circumstances, we'll tell you what APR and credit limit we can offer. Checking your eligibility won't impact your credit score.

You can apply if you:

  • are aged 18 or over
  • are a UK resident
  • earn £5,000 or more a year before tax
  • have a Nationwide current account, savings account or mortgage

You should not apply if you've been declined for any credit card in the last 30 days. Applying again could affect your credit score and our decision is unlikely to change.

Note:

You cannot get the 0% interest purchase and balance transfer offers if you've had a credit card with us in the last 12 months.

Apply online

Check if you're eligible and apply through the internet bank. Not yet registered? Register for the internet bank

After the introductory offers have ended

The introductory offers start from the day you open the account. When they end, you'll be charged your standard interest rate. This representative example shows the interest rate that could apply. This is the rate that we give to at least 51% of successful applicants. You could receive a different rate from the one shown and we'll confirm your rate during your application.

Representative example

24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable).

Credit card fees, charges and interest rates

We'll offer you an interest free period when you apply for the purchase and balance transfer credit card.

For balance transfers, you'll need to make a transfer within 90 days of opening your account to get the interest free rate.

You'll be charged a fee when you transfer a balance onto the credit card. If you transfer a balance within 90 days of opening your account, you'll pay 2.99% or £5, whichever is greater, on each amount you transfer.

If you transfer a balance after 90 days, you'll pay 2.4% or £5, whichever is greater, on each amount you transfer. You'll also pay 24.9% APR (variable) interest.

Purchases and balance transfers after the interest free period will be subject to your standard interest rate.

Useful links

Information about credit cards

Open a Nationwide account

To apply for our credit cards, you need to have a current or savings account with us, or a mortgage.

If you don’t have one already, take a look – we have some great options that could suit your needs.

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