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Nationwide: Credit card reviews

Name: Credit card
Rating: 4.17 (198 reviews)

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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

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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 (198)

Review of the Nationwide, Credit card:

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 £850.00. Evidently the cheque took a while to get there. No, even though there was still £4,2000 credit available, these idiots at Nationwide not only took a late payment of £10 (no objection) but still with £4,200 credit available, they declined a payment of £8.20. Now you need to be totally devoid of common sense to do that. What is wrong with Nationwide? I am a long term customer. Never been overdrawn, never any trouble, yet the treat me with total disrespect. Nationwide do no deserve decent, good customers. A bank to give a miss. A nd whilst these pen-pushers were telling me they hadn't received the cheque in payment, this morning I spoke to my other bank (Halifax) and they say that the cheque had been cleared. So Nationwide were either lying or incompetent. take your selection. A company that is all talk and just not interested in true customer service. Reviewed on: 29th January 2025

I chose to have a credit card with Nationwide as the...

I chose to have a credit card with Nationwide as the benefits were second to none. The process to apply for the credit card was quick and easy and staff were helpful when I had questions. The information on the website made me feel confident to apply for this credit card. Reviewed on: 2nd April 2025

Travelling in Europe

I use my Nationwide credit card when travelling in Europe as there is no charge for using it to buy goods or services, unlike with the other credit card I use. It also means the cost of what I bought abroad is separated from my normal expenditure. Reviewed on: 2nd April 2025

Fabulous service and brilliant bank!

Very efficient service with good helpful advice. I was dealt with quickly and everything explained to me in full. This was so easy to apply for and very straightforward. Very professional. Reviewed on: 2nd April 2025

No transaction fees for spending in the EU

No transaction fees for spending in the EU Reviewed on: 6th March 2025

It’s super easy to see how much you owe on their onl...

It’s super easy to see how much you owe on their online banking app. It’s simple to see when your statement will be available too, and see an overview of all your accounts in one place. It’s also easy to transfer from current account to credit card. Reviewed on: 6th March 2025

easy to apply, good for travelling abroad as no fees

easy to apply, good for travelling abroad as no fees Reviewed on: 26th February 2025

Good service.

Good service. I wish thet did not charge for foreign currancy transactions Reviewed on: 26th February 2025

The app is not very good, constantly crashes or free...

The app is not very good, constantly crashes or freezes. No benefits to having this credit card, but easy to pay if you have a Nationwide bank account. Reviewed on: 26th February 2025

Zero fees abroad

Good credit card to have as it has zero fees when used abroad. Reviewed on: 26th February 2025

First credit card i’ve ever had

First credit card i’ve ever had, and the product offered to me is great, not had to pay any interest yet. Able to set myself an amount limit Reviewed on: 5th February 2025

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