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Nationwide: Credit card reviews

Name: Credit card
Rating: 4.17 (198 reviews)

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4.13

Based on 198 reviews, last reviewed 20th Oct 2025

100% 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.

Nationwide Credit card reviews (198)

Review of the Nationwide, Credit card:

Disgraceful customer care

Disgraceful customer service and banking facility. If anyone still banks with these crooks I recommend you switch if you ever want to get any descent customer service and aid in times of need. Having fallen a victim to Coronavirus was worried about making loan repayments for the upcoming month as I was in self-isolation and on unpaid leave from work. Have always kept up with my loan payments and never missed anything for the past 3 years. Dont let the false advertisements on their website fool you, they try to come across as they are very helpful and that they will assist their customers during "challenging times", having called their "Triage" team and waited over 1 hour on hold, I pleaded with the rep to offer some help to overcome the situation am in, wether that will be 1 month payment holiday on the loan or an increase in overdraft / credit card limit to tie me over just for 1 month and the outcome was, they only offered to change the repayment date on the loan and move it back by upto 14 days like that is going to help!, they do this all year round , nothing new and certainley no additional help during this pandemic. These stingy crooks did not even consider freezing credit card or overdraft fees just for 1 month till i return to work. Lastly in the same week, i accidently transfered some money from my current account to my credit card (online via internet banking), I was meant to transfer it to my savings account but as you know its very easy to select the wrong account to transfer money to in the drop down menu. After realising my mistake, I found there is no option to transfer money back from your credit card to your current account. I gave customer support a call and got through to a guy called "Sachin" (sounded like a right chav) whom immediatly said "you been passed to me in the collections department, your balance is xx and you need to pay xx"... I thought what the hell is this guy on? No one passed me through, I called in and my query is not related to balance, I have already paid the monthly amount due on my card thanks!!, I then told him the reason for my call to which he replied to transfer money back from credit card to current account would take 5 days to process..... and as i questioned why so long, he replied, you made the mistake what do you want us to about it? As you can see, the customer service is shocking, rude, incompetent staff even at the highest level, you can not even get through to a manager or to the complaints team, instead they take your number and you'd be lucky to ever recieve a call back from the complaints department. This is the 21st century folks.....and Nationwide expects you to wait 5 days to get funds transfered from your nationwide current account to your nationwide credit card back, come on people, open your eyes. just check what other banks offer and you will be suprised at the level of care and service compared to Nationwide which is a sinking ship! By the way, I also had a loan with YB and Post office and having spoke to their financial care team, they both provided a month payment holiday to assist me during the crisis which has meant reduced income. I am ever grateful to these banks and the difference between customer care and support is night and day compared to the crooked Nationwide. I will ensure on my return to work that I change bank details with my employer to YB with the outlook of closing my bank account with Nationscum. Reviewed on: 23rd March 2020

Easy to ask questions

Easy to ask questions and access app Reviewed on: 2nd April 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

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