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Nationwide: Credit card reviews

Name: Credit card
Rating: 4 (210 reviews)

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4.00

Based on 210 reviews, last reviewed 24th Mar 2026

700% increase in 5 star reviews

in the past 90 days

300% increase in 1 star reviews

in the past 90 days

60%

21%

12%

Latest highest rating:

5

Help with Credit Card Fraud Nationwide have helped me many times when I’ve been concerned about fraud on my credit card. They have always been professional, kind and extremely he... Read more Reviewed on: 24th March 2026

Latest lowest rating:

1

Arrogant man from the disputes team Arrogant man from the disputes team told me they couldn't look into my chargeback claim, gave a list of excuses culminating in my evidence not being g... Read more Reviewed on: 2nd March 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.

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Nationwide Credit card reviews (210)

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

Easy to use

Tesco points add up wherever you spend and the triple spend is really worth it. Reviewed on: 16th October 2023

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