Nationwide Credit Card Summary Box

The table below explains how interest rates and charges are calculated for the Nationwide Credit Card. The information contained in this table summarises key features and is not intended to replace any terms and conditions.

APR Representative 

17.9% APR


Other rates from 17.9% 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 12 months on purchases* 1.385% 1.527% 17.9% 19.9% 
Cash withdrawals

1.385% 1.527% 17.9% 19.9%
Balance transfers 0% p.a. for 12 months** on balance transfers

1.527% 17.9% 19.9% 
Balance transfer fee No balance transfer fee for the first 3 months after account opening, after which it will revert to 2.4% (minimum £5)

*Introductory purchase rate applies from the date the account is opened.
**Introductory rate applies from the date the balance transfer is applied to the account. Balance transfers at 0% with no fee must be made within 3 months of account opening, each transfer after this time will be subject to a 2.4% (minimum £5) fee, and your standard interest rate.
Nationwide reserves the right to withdraw, vary or extend these offers at any time. 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 the total of all non-promotional balances on your statement 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 From Until
Purchases date transaction applied to your account
statement balance, excluding any promotional balance transfers, paid in full
Cash withdrawals  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

We work out interest on the average daily balance during each statement period. You will not pay interest on new purchases if you pay your statement balance, excluding any promotional balance transfers in full and on time. Otherwise, the period over which interest is charged is as above. The transaction date is the date the amount appears on your account.

Allocation of payments We allocate payments to balances which show on your current statement in a high to low interest rate order, then, to balances in a high to low interest rate order which do not yet appear 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

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 There are no fees for additional copies of statements
Card replacement There are no fees for replacement cards
Foreign usage

Compare the costs of using your card abroad
Visa Exchange Rate
Rates can be found at Visa Europe exchange rate
One or more of the following may apply:
Non-Sterling Transaction Fee
2% of the transaction amount that is not covered by any commission-free allowance you may have earned.
Cash Fee
2.5% (min £3.00) of the amount withdrawn on each cash advance
Late payment fee £12.00
Over limit fee £0

Are you eligible for our Nationwide Credit Card

Our credit cards, along with a wide range of other products, are just for members. You’re a member when you have a current account, mortgage or savings account with us.

Find out more about membership

Ready to apply for this offer?

Available just for members

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.