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Nationwide: Credit card reviews

Name: Credit card
Rating: 4.17 (199 reviews)

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4.12

Based on 199 reviews, last reviewed 20th Oct 2025

75% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

60%

22%

11%

Latest highest rating:

4

RAHAL saved the day On the weekend 17/18/19/October I tried to apply for an online Nationwide credit card. But filled in the form unknowingly incorrectly and was refused ... Read more Reviewed on: 20th October 2025

Latest lowest rating:

1

Don't believe their hype I have a credit limit of £5000 on a credit card. Never use it all, always only about £1200. So this month paid an amount (that was the full amount) of... Read more Reviewed on: 29th January 2025

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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 (199)

Good and Bad Nationwide

Good customer service but annoyingly will only text main cardholder if a query- will not take or use an alternative mobile number Reviewed on: 6th November 2019

cashback

good cashback rates for none american express eligible people. Reviewed on: 30th July 2019

Caution

Before giving me a credit card Nationwide gave me a long talk on the best way to handle money and then quizzed me on all the information. They were very thorough and seemed to really care for my needs. Reviewed on: 22nd June 2019

So easy

Easy to take out, usually a good opening offer available and there for you in an emergency. I had my card stop working on holiday and their advice was great. Reviewed on: 9th June 2019

Nice people to deal with.

Easy to use everywhere and very customer friendly. Reviewed on: 9th June 2019

Manage your credit balance

They're careful when increasing or decreasing credit limit. Not a reckless company. Reviewed on: 9th June 2019

Doesn't quite make my grade

It was good as a cashback card for a while.Then they cut the amount,not worth the hassle now. Reviewed on: 1st June 2019

Credit Card with Cashback

I don't use my credit card all the time, but it's very handy for holidays. I love the cash back you get just for using it and making repayments is super easy using the Nationwide online banking system. Staff are genuinely friendly no matter which branch you go to in my 40 years worth of experience with them. As an aside, many years ago I had a cheque book stolen and £600 taken from my account. I was quickly reimbursed and was treated with total respect which made the harrowing experience a lot more bearable. Reviewed on: 16th April 2019

Beware overpaying your credit card

I accidentally paid my credit card bill twice. On realising my mistake I asked Nationeide to return the overpayment to my bank. They refused to do that and instead said they could either issue a cheque, pay into my current account with Nationwide (I don’t have one) or tecredit by direct debit if I had paid by direct debit(O hadn’t). I cannot hope nferstand why Nationwide could not credi the money by the same method it had been paid, or BACCS. The Finacial Ombudsman has found in Nationeide’s favour, surprise surprise! So be very careful how you pay your credit card bill and don’t not overpay it. Reviewed on: 15th April 2019

Nationwide top-notch!

I recently took out a credit card with nationwide and set up a savings account for my daughter. Great service and honestly nothing was too much effort for them. Smoothly opened both and I would highly recommend them. Reviewed on: 8th February 2019

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