Write a review

Go to business site

Nationwide: Credit card reviews

Name: Credit card
Rating: 4.16 (206 reviews)

View other Nationwide products

4.07

Based on 206 reviews, last reviewed 19th Feb 2026

400% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

60%

21%

12%

Latest highest rating:

5

Excellent customer service .... Excellent customer service both online and in branch. Good range of products. Reviewed on: 14th February 2026

Latest lowest rating:

1

Astonished at the level of failure in a regulated bank I am genuinely astonished that this level of operational failure is occurring within a regulated bank. Nationwide repeatedly denied a customer access ... Read more Reviewed on: 19th February 2026

Read all reviews See your review

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 (206)

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

Going extra mile

Real people to deal with and they genuinely help Reviewed on: 11th February 2022

Had no issues

We have had no issues with this card or company Reviewed on: 8th February 2022

Great customer service.

U.K. based call centres, who are quick to answer the phone and assist with any problems. Reviewed on: 13th January 2022

Great company

Nationwide never let you down. Been with them years. They value loyalty which is appreciated Reviewed on: 28th March 2021

Good expirencevti deal with transactions

Best ever, well presented company who deal with finances so far. Excellent presentation to quality service Reviewed on: 13th March 2021

A simple credit card

An easy to manage, no frills, credit card- does the job! Reviewed on: 8th February 2021

Thieves and liars!

Nationwide credit card are the worst company I have ever dealt with. They have charged me over £170 for a balance transfer that they NEVER made for me and after 1.5 years of going back and forth with a million different departments they still refuse to give me a refund. I have made several complaints to them, but none of my complaints have been given a FINAL RESPONSE! When I spoke to the financial ombudsman, they advised me that NATIONWIDE ARE LEGALLY OBLIGED TO SEND ME A FINAL RESPONSE LETTER. Yet they refuse. Every time I call them they tell me that the case has been closed without even providing me with a final response letter. What a joke of a building society! I wish I never left Santander! I do not recommend Nationwide to anyone! ESPECIALLY NATIONWIDE CREDIT CARD. CROOKS! Reviewed on: 7th December 2020

pathetic procedure

I have been a customer for over 20 years and I never missed a payment, However I receive a letter saying I have missed a payment for £ 5.50 and have incurred a late charge . I ring them and they then refund the late charge , and while I am on the phone, I actually pay £ 674.00 that isn't even due for another 10 days. They then notify Experian that I have defaulted and missed a payment ( WAIT FOR IT ),,, for £ 674.00 !! which is now on my credit file. How much is that all back to front !! I have explained to Experian and they fully understand that Nationwide have made an error , but having spoken to Nationwide on 3 occasions now, they are not prepared are able to even speak to Experian and explain what happened. Ironically the £ 5.50 bill was payed also on time, I will be cancelling the card and all other products I have with them. As far as my credit file is concerned , it will just sit there for no fault of my own , and is due to the Nationwide's incompetence and poor customer support. NOT HAPPY Reviewed on: 21st July 2020

Good credit card when abroad.

Pin problems abroad meant lots of stress but the helpline was easy to access and good advice meant the problem was sorted quickly. Reviewed on: 12th July 2020

Best customer service I've experienced in a long time

Incredibly efficient fraud prevention service when my card was skimmed, and a new card was with me in under 72 hours. Always fantastic customer service and great communication whenever I've needed to contact the team! Reviewed on: 1st June 2020

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

Classic Credit Card
from Bank of Ireland 3.37 from 6 reviews
Credit Card
from Ocean Finance 4.67 from 19 reviews
Gold Credit Card
from American Express 4.71 from 24 reviews

Want to see more from Nationwide?

Student Current Account
from Nationwide 5.00 from 5 reviews
Cash ISA
from Nationwide 4.74 from 66 reviews
Regular Savings
from Nationwide 4.70 from 89 reviews

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