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Nationwide: Credit card reviews

Name: Credit card
Rating: 3.95 (214 reviews)

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3.95

Based on 214 reviews, last reviewed 20th Apr 2026

No new 5 star reviews

in the past 90 days

50% decrease 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.

Nationwide Credit card reviews (214)

Review of the Nationwide, Credit card:

Good for using on holiday

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

Good, but...

They're good for pretty much anyting, but don't believe they are 'different' from any of the banks! Reviewed on: 15th December 2016

Good

I originally acquired the Nationwide credit card as it had no charges if you use it abroad. Reviewed on: 1st December 2016

One of best cards if going abroad

One of best cards if going abroad - low transaction fees. Reviewed on: 29th November 2016

Just OK

I have a Nationwide Visa credit card that I only use for emergencies. I would say it is just OK, nothing more. Reviewed on: 29th November 2016

Excellent service from start to finish

Signed up for a Nationwide 0% on purchases and transfer credit card for a large purchase. Application form was straight-forward and acceptance was instant. Received card the next day and the number for the card three days later. Very happy with the product and the great rate offered after the 0% introductory rate expired. Reviewed on: 14th November 2016

Great offer & customer service

Great service through-out the length of my 0% interest period. My most recent offer has come to an end & the majority of my documentation has been encouraging me to clear my balance or leave to avoid interest charges; quite refreshing for a bank to do this. My previous experience is that this is hidden in the small print. Reviewed on: 11th November 2016

Excellent bank that responds quickly to the customer's needs

Nationwide has very friendly staff that are ready to answer your queries and help you in anyway. They also gave me access to 5% AER for the first 12 months with them. I am very satisfied with their services Reviewed on: 14th October 2016

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

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