Write a review

Nationwide: Credit card reviews

Name: Credit card
Rating: 4.17 (198 reviews)

View other Nationwide products

4.11

Based on 198 reviews, last reviewed 5th Sep 2025

80% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

61%

21%

11%

Latest highest rating:

5

Easy to use and understand, especially as a first cr... Easy to use and understand, especially as a first credit card. I like how it is all able to be accessed online, and you can transfer money between acc... Read more Reviewed on: 5th September 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

Read all reviews See your review

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.

Nationwide Credit card reviews (198)

Review of the Nationwide, Credit card:

Good for using on holiday

Excellent exchange rates and charges for using abroad. Reviewed on: 11th April 2023

Rewards are easy to earn

Nationwide reward card gives me cash back on my spending without any effort. Reviewed on: 8th February 2018

Nationwide

I have been a customer with Nationwide for 15 years and they have always given me a good service. If I have any issues they are always at hand to answer my call. They are always offering good competitive products and they reward there loyal customers. Reviewed on: 31st January 2018

Easy card to use

I use this card when abroad as the exchange rates are good Reviewed on: 19th January 2018

Easy

Easy to open my credit card with cash back on every purchase. Reviewed on: 19th January 2018

Brilliant Credit Card - Helped me out

Nationwide has really helped me. As an 18 year old with no credit history, Nationwide was the only high street reputable lender that was offering me a credit card after carrying out Elegibility checkers. Good customer services over telephone and in branch. Credit card offered with good credit limit for an 18 year old. Online quotation given gives the customer to confidence to apply before a credit search is done. Shame about the recent cashback reduction but it’s a sign of the times and not Nationwide’s fault. Reviewed on: 17th January 2018

Select Credit Card

A standard Credit Card however offers no non-sterling transaction charges saving £100s of unnecessary fees. Spot rate offered is good also. Reviewed on: 6th January 2018

Always great customer service.

I've always found the customer service at Nationwide to be absolutely brilliant. And the products are always very reasonable. Reviewed on: 5th December 2017

.5% cashback on everything!

Great card, very attractive rates for spending abroad and .5% cashback on everything you purchase! Reviewed on: 2nd December 2017

Great

Allowed us to pay for holiday of lifetime for Christmas with minimum exchange fees. Also when payments were unauthorised as someone unlawfully stole our details to pay for vouchers online, excellent text alerts to contact and all monies refunded immediately with new card on way in the post. Excellent! Reviewed on: 27th November 2017

Pain-free balance transfer

Opened up credit card in order to do a balance transfer. All went smoothly and was helped every step of the way. Website can be a bit unintuitive at times and persistent requests for passwords and memorable data can be a pain, Reviewed on: 22nd November 2017

Do you have a different Nationwide product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Credit card
from The Co-operative Bank 2.85 from 35 reviews
Classic Extra Card
from Capital One 3.72 from 6 reviews
Bip Credit Card
from NewDay 4.91 from 2284 reviews

Want to see more from Nationwide?

Student Current Account
from Nationwide 5.00 from 5 reviews
Regular Savings
from Nationwide 4.73 from 79 reviews
Fixed Rate Bond
from Nationwide 4.69 from 34 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub