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Nationwide: Credit card reviews

Name: Credit card
Rating: 4.04 (214 reviews)

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4.04

Based on 214 reviews, last reviewed 20th Apr 2026

1000% increase in 5 star reviews

in the past 90 days

300% increase in 1 star reviews

in the past 90 days

60%

21%

12%

Latest highest rating:

5

Great all around financial organisation. Great all around financial organisation. Good service and products, and great current account and credit card for international use, without fees and ... Read more Reviewed on: 20th April 2026

Latest lowest rating:

1

Arrogant man from the disputes team Arrogant man from the disputes team told me they couldn't look into my chargeback claim, gave a list of excuses culminating in my evidence not being g... Read more Reviewed on: 2nd March 2026

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About this product

Nationwide’s purchase and balance transfer credit card offers 0% interest on all purchases and balance transfers for 15 months.

The 0% interest also applies to spending abroad. You can apply if you have a Nationwide current account, savings account or mortgage. You can’t apply if you already have a Nationwide credit card.

Nationwide credit card reviews help you find out what it’s really like to be a customer. If you’ve used Nationwide before, you can also leave a review and share your experience.

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Nationwide Credit card reviews (214)

Great all around financial organisation.

Great all around financial organisation. Good service and products, and great current account and credit card for international use, without fees and hassle. Reviewed on: 20th April 2026

An Ethical Alternative in Mainstream Banking

Nationwide is a great environmentally sound and ethical alternative to the planet-wrecking, consciousness-lacking traditional banks. While they are not as green as, e.g. Triodos or Ecology Building Society, they offer a broader range of services (includind credit cards) and are mainstream - a household name. They also provide a substantial number of local branches, making them easily accessible. Their employees, both online and in branches, are friendly and knowledgeable, always keen to help with any queries or concerns. I have been banking with them for eight years and have been very happy, although more recently I have reduced the number of products I hold with them in favour of even more environmentally and ethically focused providers: Triodos and Ecology Building Society, both of whom I can also highly recommend. Reviewed on: 19th April 2026

Great product, excellent customer service and genuin...

Great product, excellent customer service and genuinely supportive Reviewed on: 17th April 2026

Excellent credit card option, and very easy to use v...

Excellent credit card option, and very easy to use via the app. It's very easy to pay off each month and really easy to see how much you owe. I wouldn't want to change to any other credit card provider! Reviewed on: 16th April 2026

Poor communication with Nationwide.

I had a credit card with Nationwide and had a credit limit of £3000 then whilst on holiday they without warning reduced this to £500. As I was on holiday I couldn’t phone them to ask why. When I got home after much searching I found out it was because I owed an old bank £36 which I wasn’t aware of.. I was annoyed because Nationwide even after several emails couldn’t tell me why the reduction or why I had no pre warning. Reviewed on: 24th March 2026

Help with Credit Card Fraud

Nationwide have helped me many times when I’ve been concerned about fraud on my credit card. They have always been professional, kind and extremely helpful - even when the mistake is mine. I trust them completely and am very thankful for the for their proactive assistance is taking care of my finances. Reviewed on: 24th March 2026

Great customer service, sets the standard for what a...

Great customer service, sets the standard for what any company should do for their customers Reviewed on: 24th March 2026

Arrogant man from the disputes team

Arrogant man from the disputes team told me they couldn't look into my chargeback claim, gave a list of excuses culminating in my evidence not being good enough. When I asked for a comment on the evidence that I attached, he didn't even know what I had given proving he didn't even look at it, then raised his voice at me when I caught him out, Idris Elba wannabe. Reviewed on: 2nd March 2026

Astonished at the level of failure in a regulated bank

I am genuinely astonished that this level of operational failure is occurring within a regulated bank. Nationwide repeatedly denied a customer access to funds despite four separate branch attendances with valid ID. On one occasion, the branch manager personally verified the ID and phoned Nationwide’s security team while holding it. Even then, access to funds was still refused. The solution offered afterwards was simply to “go back into the branch with ID again”, as though none of the previous visits had happened. What makes this deeply concerning is the complete absence of records. Nationwide has stated there were: no notes of calls no notes of branch visits no notes of ID verification no notes of DSAR requests Yet security decisions continued to be enforced regardless. Alongside this, multiple Nationwide staff — including on a security line — demonstrated a basic misunderstanding of data protection law, repeatedly referring to a Data Subject Access Request (DSAR) as a Freedom of Information request. FOI legislation does not apply to Nationwide at all. The fact that this error was repeated suggests a training and governance issue, not an isolated mistake. This case involved a disabled, vulnerable single mother, and Nationwide was explicitly told that denying access to funds was placing her at risk. Despite that, no proportionate safeguarding response was applied. The real-world consequences included missed medical appointments, disruption to a child’s education, damaged relationships, and credible safety concerns. This was not robust fraud prevention. It was process without memory, judgement, or accountability. For an organisation already fined heavily by the regulator for systemic control failures, this experience raises serious questions about whether governance and training issues have genuinely been resolved. Based on this experience, I would have real concerns about Nationwide’s ability to manage complex or vulnerable customer situations safely. Reviewed on: 19th February 2026

Excellent customer service ....

Excellent customer service both online and in branch. Good range of products. Reviewed on: 14th February 2026

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