Write a review

Nationwide: Credit Card reviews

Name: Credit Card
Rating: 4.15 (192 reviews)

View other Nationwide products

3.98

Based on 192 reviews, last reviewed 11th Apr 2025

1200% increase in 5 star reviews

in the past 90 days

50% decrease in 1 star reviews

in the past 90 days

61%

21%

11%

Latest highest rating:

5

nationwide is family nationwide has always been about the people and they prove that with how they run their bank operations. no other bank other than nationwide has ever ... Read more Reviewed on: 11th April 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

Read all reviews See your review

About this product

Nationwide Credit Card reviews can help you to find out about the pros and cons of the Credit Card credit card. What kind of features do Nationwide customers like? Find out more about the Nationwide Credit Card by reading our trusted Smart Money People reviews. You can also write your own Nationwide Credit Card reviews to share your own experience with Smart Money People, the UK's leading financial services review site. Together, we can make financial services work bette...

Nationwide Credit Card reviews (192)

Review of the Nationwide, Credit Card:

Credit card

Great product easy to apply and great app Reviewed on: 5th April 2023

Credit card with s fair interest rate never gave me...

Credit card with s fair interest rate never gave me problem using abroad. Reviewed on: 12th June 2024

0% purchase credit card

I have a 0% card, I was preapproved for a higher amount initially but then on hard check was offered lower which happens but was slightly frustrating. Reviewed on: 4th June 2024

Never had a problem first class Service

Never had a problem first class Service Reviewed on: 24th May 2024

The member credit card is great.

The member credit card is great. Interest free for 15 months which makes it stand out from the rest. It also allows you to use worldwide which is great for me whilst travelling. Reviewed on: 15th April 2024

Nationwide is an amazing bank.

Nationwide is an amazing bank. Simple to use and they listen to you Reviewed on: 12th April 2024

easy to use credit card

I use the credit card regularly and like that it pays off the higher interest amounts first. I also feel this lets me manage credit card debt in a better manner. Their interest charges are clear and concise as to how they’re calculated too and not overcharged like others. Reviewed on: 7th April 2024

Lack of transparency no support for customers

Lack of transparency no support for customers Reviewed on: 14th March 2024

They pretend to be a mutual run by its members.

They pretend to be a mutual run by its members. Truth is, they’re just another bank. Reviewed on: 12th March 2024

No prior warning

Nationwide cut my credit limit by 85% without any prior warning or discussion of any kind whatsoever! I have never gone over my limit or not paid on time. Reviewed on: 28th December 2023

Horrible company

I raised a section 75 claim on the nationwide building Society website for a terrible experience that we had as a family renting a villa in Cyprus for a British tour operator (who have now gone bust) after several weeks I had a phone call asking me if we left the property and book up somewhere else. I explained that for the first six days, the tour operator said they were going to move us, eventually saying they couldn’t. There was serious health and safety issues as well as ... the place was filthy. The gentleman stated on the phone from nationwide credit card because we never left the property Visa would not reimburse us. I did try to explain and ask them to look at the multiple emails we have sent pictures and et cetera he came back with the same answer Case closed down to Visa we should’ve left the property I explained that we didn’t have an option as it was several thousand pounds to book into somewhere (else peak season August ) and we did looking to this and flights. However, they were all too expensive. I was on the money-saving website and posted my experience with the credit card company nationwide. Several people posted back saying that if it was a Visa it was a chargeback After several posts, it become apparent that Nation Wide had gone down the chargeback route not the section 75 I contacted NationWide I had to ask the question several times and they eventually answered it was a chargeback. I have raised a complaint, and apparently they automatically go down the chargeback route regardless if you filled in a section 75. I was not informed of this on the phone and genuinely thought I was being declined on the section 75. You are not told that they are closing the case as S75 . The complaints advisor stated that would be financial advice. What a load of crap. I pointed out that the S75 has nothing to do with Visa and it’s down to the credit card company to decide to pay you or not and charge back would’ve only covered £1000 not the full amount which the S75 would cover. NationWide, are not informing people of this They are automatically going down the charge back route. The only way you would find out is the above or you’ve got part of your money back, according to the complaints advisor, you would then have to re-raise S75 yet you have filled S75 at the beginning the whole thing defaults against the customer, and you are not informed of this. Classic case of having to know the answers before you can ask the question. I am shocked how NationWide are treating their customers. I believe they are in clear breach of the code of conduct and will be taking the complaint to the ombudsman. be warned. We eventually got a full refund from the tour operator, nothing to do with NationWide I will be closing all my accounts and savings with them as soon as the complaint is dealt with Reviewed on: 10th November 2023

Do you have a different Nationwide product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Flex Credit Card
from Monzo 4.96 from 2444 reviews
Credit Card
from first direct 4.07 from 26 reviews
Freedom Rewards Credit Card
from Barclaycard 3.93 from 60 reviews

There's still more to see!

Nationwide has a range of products available. Check the ratings of each product to find the right one for you. View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub