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Apply online

Apply for the Nationwide Credit Card

Our credit cards are available just for members. You’re a member when you have a current account, mortgage or savings account with us.
Plus, if your main current account is with us, you could get an even better rate with our Select Credit Card.

Find out more about membership

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Applying online between 11pm and 6am

When we process your application, we need to check your credit history. Unfortunately, the credit reference agency we use can’t supply this information between 11pm and 6am. So it’s best not to apply during these times, as you’ll only have to fill out a new application later.

We’re sorry for any inconvenience this causes you.

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Please start by telling us who you are:

If you’ve applied online and submitted your “online signature” on the credit agreement, you’ll receive your card in the post about 7 days later. For security reasons your PIN (Personal Identification Number) will arrive separately in the post a few days later.

If you’re told during the application that we need to do some more checks before we can approve your card, it will take a little bit longer. If you’re approved, we’ll send you some paperwork in the post to sign between 5 and 10 days after your online application. Once you’ve sent the paperwork back, or brought it into a branch, we’ll send your card out about 10 days later. If you’re declined as part of the checks, we’ll send you a letter about 5 – 10 days after your application.

In most cases, if your application is approved, you'll be able to sign up for your card online (instead of us sending you a paper agreement to sign and return). By signing for your card online (electronic contracting) you'll be entering into a legally binding contract. You'll receive a copy of the credit agreement for your records, and this will be sent to you with your card.

In some situations electronic contracting may not be available and in this instance a paper credit agreement will be sent to you to sign and return.

During your application, we'll check your credit history and give you a no-obligation personalised quote; it won't affect your credit rating.

If you're happy with your quote and want to continue your application, we'll leave a record of our check on your credit file that other lenders can see. This is a normal part of many credit application processes but it might affect your ability to obtain credit elsewhere for a short period of time.

Credit cards are available to those aged 18 or over (UK residents only), and are subject to circumstances and a minimum income of £5,000 per year.