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Nationwide: Credit card reviews

Name: Credit card
Rating: 4.16 (206 reviews)

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4.07

Based on 206 reviews, last reviewed 19th Feb 2026

400% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

60%

21%

12%

Latest highest rating:

5

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

Latest lowest rating:

1

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 ... Read more Reviewed on: 19th February 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 (206)

Excellent and friendly service

I had a querry about unexpected expenses showing up on my credit card, staff were very friendly and helpful in explaining the expenses in question, i was impressed. Reviewed on: 14th October 2016

Disappointed with select credit card which is meant to be convenient for use abroad

As a consultant with international clients, I was looking for a card with decent rates when abroad and convenient to use when I travel between countries without returning to the UK first. Nationwide select credit card was recommended (online and by friends & family i.e. F&F) because it's rates were good but most importantly, once I informed Nationwide of my travels, F&F assured me that it was highly unlikely I would have to call them over and over again each time I needed to pay something. It was for this reason, I chose this card. But alas, it has been a nightmare. Every time I use my card online whilst I'm abroad (for instance to sort out flights, hotels, food, but credit on local SIM cards, etc), 'verify by VISA' declines and asks me to call a uk number which is extortionate with roaming costs and the long waits for Nationwide customer services to pick up. I'm reverting to my older credit cards now because repeating the same thing to customer service agents who assure me they have taken notes on the account that I'm abroad but go through the same decline/'fraud alert' process each time I try to use the card is a nightmare. When I tell Nationwide my frustration and ask why this keeps getting declined, there is no reason apart from 'routine/random' security checks. I appreciate efforts made to protect customers' security but I'm disappointed that in an effort to maintain security my experience with this card has been expensive (roaming charges), onerous and different from my F&F. I could not in good conscience recommend this card to anyone after what I have been through... Perhaps if one does not have a "typical" name, they are put on the "extra security checks" list for no other reason than that? Reviewed on: 1st October 2016

Excellent service and non-pushy staff

In every communication with Nationwide they have been excellent. They are polite and don't try and up sell unless you mention something you need. excellent Reviewed on: 30th August 2016

Good rewards

Good rewards for switching and cashback on everyday spending Reviewed on: 29th June 2016

Credit card

They fully explain what is involved in taking out a credit card and check your understanding at the end of the interview. Reviewed on: 27th June 2016

Great credit card!

Been using this credit card for years with no trouble. I get 1% cash back, and it's also good for use abroad! Reviewed on: 26th June 2016

very safe

Always put a block on a really expensive on line purchase until i contact them, to some people this would be annoying, but i like the secure feeling. Reviewed on: 22nd June 2016

Nationwide

Service is not very helpful and always takes such a long time to resolve my issues. Reviewed on: 23rd May 2016

great to use abroad no charges in the EU

Use this in the EU and there are no charges like other credit cards. In the UK you get money discounts/ offers, at selected retailers, which change once in a while, online at my rewards with Nationwide. Reviewed on: 8th May 2016

Credit card accepted everywhere

We have had the Nationwide Select Credit card for a number of years ad never experienced any problems using online or instore. The interest charged for this card is a reasonable 15.9% if you have a Nationwide current account, as we have. Also, the interest rate can be avoided completely if you pay the outstanding amount in full, as we do. Cashback is 0.5% when spending on this card, and there are more attractive rates of cashback offered by other banks and building societies. However, I like to have a credit card with my main building society, and the Select credit card is easy to use, with a credit limit suitable for our needs. The card also gives access to various rewards offered by Nationwide, as there rarely seems anything we need. For a simple and easy to use credit card, I would recommend the Select. Reviewed on: 6th May 2016

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