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Nationwide: Credit card reviews

Name: Credit card
Rating: 4.17 (204 reviews)

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4.12

Based on 204 reviews, last reviewed 2nd Feb 2026

300% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

60%

22%

11%

Latest highest rating:

4

Nationwide it self is fine. Nationwide it self is fine. The only issue with their credit card is, there are no perks, like points, rewards, deals or discounts. Use your credit ca... Read more Reviewed on: 28th January 2026

Latest lowest rating:

1

Trying to get answers online is almost impossible an... Trying to get answers online is almost impossible and very stressful, I was eventually given a refund from a company I used with no help from nationwi... Read more Reviewed on: 2nd 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.

Nationwide Credit card reviews (204)

Review of the Nationwide, Credit card:

Doesn't quite make my grade

It was good as a cashback card for a while.Then they cut the amount,not worth the hassle now. Reviewed on: 1st June 2019

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

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

Poor support system for credit card customers.

I expected alerts from Nationwide to inform me when payments to my members credit card account. None came, unlike my other credit card accounts. It was my first credit card with Nationwide and did not realise you were expected to 'self-manage' my account, as I was later informed by their representative after Nationwide had lodged an adverse credit report against me because a payment was missed. I had historically cleared my account each month but that did not count with Nationwide. They are the only company who think it's hard work to have a supportive communication system in place for their credit card members. Reviewed on: 18th December 2024

Made a valid claim but was declined.

Made a valid claim but was declined. They never contacted me. I had to chase this up. Credit guarantee system was not backed up. Reviewed on: 13th November 2024

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