Features and benefits

We'll be making some changes to the Member Credit Card terms and conditions on 1 December 2020.

It’s important you read about these before applying for your credit card.

Changes to Member Credit Card terms and conditions

Our new travel friendly credit card just for members

Member Credit Card

One card available just for our members with two great offers.

Choose from our Balance Transfer Offer with 0% on balance transfers for 18 months and 0% on purchases for 3 months or our All Rounder Offer with 0% on purchases for 15 months and 0% on balance transfers for 15 months. Balance transfer fees apply.

No matter which offer you choose, the Member Credit Card is great for travellers. It comes with unlimited commission-free purchases abroad, so you can spend on holiday without having to worry about unexpected charges.

Features and benefits

Perfect for travellers: Worldwide commission-free purchases

We won’t charge you for buying things when you are abroad.

No annual fee

We won’t charge you a monthly or yearly fee for having a credit card with us.

Check before you commit

Before we carry out a credit check, we'll let you know if we think you'll be eligible. If we think you are, we'll also tell you what your APR and credit limit will be. We can check this without leaving a mark on your credit record that other lenders can see.

Two great introductory offers to choose from

Balance Transfer Offer

0% on balance transfers for 18 months
0% on purchases for 3 months

Designed for people who:

  • Are transferring a balance from another credit card.
  • Want to put all of their borrowing on to one card.
  • Want a longer period of interest free credit to pay off their borrowing.

Not designed for people who:

  • Don’t have existing credit card borrowing
  • Only plan to make purchases and repay them over a longer period of time.

All Rounder Offer

0% on purchases for 15 months
0% on balance transfers for 15 months

Designed for people who:

  • Want the flexibility to use their card to make purchases, and also transfer existing credit card borrowing.
  • Are planning to make purchases on their credit card, such as a holiday, and will repay it over 15 months.

Not designed for people who:

  • Are only transferring existing borrowing, and don’t plan on making new purchases on this card.

Important details about our two introductory offers

Balance transfers at 0% interest must be made within 90 days of account opening to get the 0% rate. The introductory offer period begins from the date the balance transfer is applied to your account.

A 1.5% balance transfer fee applies (minimum £5) for the first 90 days, after that it’s 2.4% (minimum £5).

The 0% purchases rate applies from the date you open your account.

Your borrowing choices

It’s a good idea to consider different types of borrowing. The best option for you depends on the amount you want to borrow, and how long for. We’ll need to check before we can offer you a loan, overdraft, or credit card. It will depend on our view of your circumstances.

A loan

We can give you a personalised quote and tell you whether you're likely to be accepted before you are credit scored.

Nationwide personal loans

An overdraft

You can apply for an overdraft (or an extension to your existing overdraft) with any of our popular current accounts.

Nationwide overdraft calculator

Other ways to borrow

If you're not sure what type of borrowing might suit you best, try our guide to the different types of borrowing.

Different types of borrowing

We’re run for the benefit of our members

We’re a mutual, which means we’re owned by and run for the benefit of our members. This means we’re free to reinvest more of our profits into improving our products and services for you.

You get a say in how we’re run

Because of feedback from our members, we’ve introduced a greater choice of current accounts, made changes to our Internet Bank and improved the quality of service we offer.

We’re passionate about giving back

We’ve invested more than £21 million into community and charity support over the past five years. Thanks to our members, we’ve been able to choose the causes that need us the most.

We reward members

Whether it’s better rates or even cash for recommending us to friends, when you choose Nationwide you get a lot more than just a bank account.

We’re committed to being an ethical business

Doing the right thing for our members is at the heart of what we do. Every decision we make as a business is supported by our core values of decency, fairness and dependability.

Responsible lending - our approach

We have a responsibility to you, our customers, to be open and honest, to treat you fairly, and to be safe and secure.

These principles affect everything we do. The way we lend money is no exception. This page tells you about our approach, whether you want a personal loan, credit card or an overdraft. It also outlines what we ask of you in return. If you have any queries, please don't hesitate to ask.

What you can expect from us as a responsible lender:


  • products and lending criteria designed to meet your needs.
  • competitively priced products which we promote in a balanced way showing the risks as well as the benefits.
  • clear information on the cost of your borrowing, any fees and charges and our terms and conditions.
  • an assessment of your ability to make regular payments and the affordability of the credit limit we can offer you, using appropriate credit assessment techniques, before providing credit
  • where the credit limit is solely at our discretion (e.g. Credit Cards and Overdrafts), we will take into account your current and previous financial activity.
  • reasonable notice of interest rate and payment changes affecting you.
  • a limit on your borrowing that we believe will ensure you don't overstretch your finances and which will allow for some increase in expenditure.
  • under strict controls we may share credit data with other lenders both to improve the quality of our decisions and to reduce the risk of you becoming over-committed.
  • your personal information treated confidentially and in accordance with Data Protection legislation.
  • prompt and professional handling of any queries or complaints you may have.
  • considerate treatment of payment issues and arrears

We ask that you:


  • provide accurate and complete information on your application.
  • regularly assess your borrowing and other financial commitments and, if you expect to face payment difficulty in the future, or if you are having difficulties in managing your monthly payments, contact us so we can discuss any help/assistance available.
  • understand the terms and conditions on which the money is borrowed, seeking further information and help if needed.
  • set your credit limit to best suit your needs, up to the maximum limit we will offer you, based on your circumstances.

Things you may wish to consider in times of difficulty

Our website contains useful information if you're getting worried about your debts – see our guides.

Credit cards & money management


To get a Member Credit Card you must:


  • Be 18 or over.
  • Be a UK resident.
  • Be a Member of Nationwide. This means you already have a current account, mortgage or savings account with us.
  • Have a minimum income of £5,000 per year.

Ready to apply?

Apply now

Available just for members

Nationwide adheres to The Standards of Lending Practice which are monitored and enforced by the Lending Standards Board (LSB)  (This link will open in a new window)

Using your card abroad
Managing your card
Rates and details
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