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Nationwide: Credit card reviews

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4.11
Based on 198 reviews, last reviewed 5th Sep 2025
80% decrease in 5 star reviews
in the past 90 days
No new 1 star reviews
in the past 90 days
See only 5 star reviews
61%
See only 4 star reviews
21%
See only 3 star reviews
4%
See only 2 star reviews
3%
See only 1 star reviews
11%

Latest highest rating:

5

Easy to use and understand, especially as a first cr... Easy to use and understand, especially as a first credit card. I like how it is all able to be accessed online, and you can transfer money between acc... Read more Reviewed on: 5th September 2025
Ellie Burnard's avatar
Ellie Burnard

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
Michael Davies's avatar
Michael Davies
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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 (198)

Treats people struggling with debt appallingly

1
Back in 2014 I had serious problems with debt and had the misfortune to owe Nationwide Credit Card money. I took advice from CCCS and made token payments. The advisors were the most unpleasant people I’ve ever dealt with. One said that my credit card debt was a priority debt!! They were all sarcastic and did not care about my situation. Eventually I entered an IVA and they refused to ever agree with the offer of repayment. Luckily they were not the majority creditor so they had to go along with the offer. Eventually I was able to clear the IVA early but my experience with Nationwide was so awful I would advise anyone to steer clear, they made my life more difficult than necessary at a terrible time. Reviewed on: 5th April 2023
Kay Carter-Phillips's avatar
Kay Carter-Phillips

Credit card

5
Easy to use in app and manage repayments. Reviewed on: 5th April 2023
Henry's avatar
Henry

Credit card

5
Great product easy to apply and great app Reviewed on: 5th April 2023
Martina's avatar
Martina

Straightforward credit card

4
A basic credit card with a monthly email prompting me to download and check my statements. Very easy to use. Sadly, cashback was removed a while ago, but I like the fact Nationwide is owned by its members and operates with ethics in mind so I can live without the perk. Reviewed on: 5th April 2023
CSCSCS19's avatar
CSCSCS19

Good bank

5
Verry good bank and you have all you need banking online credit card debit card all Reviewed on: 3rd April 2023
Andreea's avatar
Andreea

Poor service on credit cards

2
credits card sometimes dont scan on TFL services and its a recurring issue which isn't dealt with. It can be frustrating if im on-the-go and rushing for a bus and it doesn't work Reviewed on: 3rd April 2023
Damiann Akhboun's avatar
Damiann Akhboun

A human instead of a credit score.

5
I got my credit card with a high credit limit despite a fairly poor credit score and I was able to balance transfer a more expensive card and I now pay a really good APR and hope to end my debt much sooner as a result. So nice to be treated like a human being instead of a credit score. Reviewed on: 3rd April 2023
Diane 's avatar
Diane

Credit card

4
Does the job, good for spending abroad Reviewed on: 30th March 2023
Acollett's avatar
Acollett

Takes too long

4
When you have an issue with a purchase that goes wrong and you think you are covered because it cost more than £100 think again you might be drawing your pension by the time it's resolved one way or the other! Reviewed on: 28th March 2023
john radburn's avatar
john radburn

Awful bank

1
Nationwide reduced my credit limit without notifying me then advised me they will do nothing about it. Reviewed on: 23rd February 2023
Gary Martin's avatar
Gary Martin

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