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Nationwide: Credit card reviews

Name: Credit card
Rating: 4.18 (203 reviews)

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4.18

Based on 203 reviews, last reviewed 28th Jan 2026

300% increase 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

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

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 (203)

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

Good for using on holiday

Good for using on holiday. Excellent exchange rates and charges. Reviewed on: 18th June 2024

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

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