Features and benefits

Rates & details

Credit card calculator

Managing your card

Apply online

Important: We’re making some changes to our Credit Card Agreements from 8 August 2019. Find out what these changes could mean for you.

Apply for the Nationwide Credit Card

Our Nationwide Credit Card is just for members. You’re a member if you have a current account, mortgage or savings account with us.

Could you get our Select Credit Card, with a better rate? Members with a main current account can apply for our Select Credit Card. It has the same features as our Nationwide Credit Card, but with a lower 15.9% APR representative (variable) rate and unlimited commission-free purchases abroad.

Apply now

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) with a minimum income of £5,000 per year, and are subject to your circumstances.