Write a review

Go to business site

Nationwide: Credit card reviews

Name: Credit card
Rating: 4.17 (198 reviews)

View other Nationwide products

4.13

Based on 198 reviews, last reviewed 20th Oct 2025

100% decrease 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

RAHAL saved the day On the weekend 17/18/19/October I tried to apply for an online Nationwide credit card. But filled in the form unknowingly incorrectly and was refused ... Read more Reviewed on: 20th October 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’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 (198)

Review of the Nationwide, Credit card:

Disgraceful customer care

Disgraceful customer service and banking facility. If anyone still banks with these crooks I recommend you switch if you ever want to get any descent customer service and aid in times of need. Having fallen a victim to Coronavirus was worried about making loan repayments for the upcoming month as I was in self-isolation and on unpaid leave from work. Have always kept up with my loan payments and never missed anything for the past 3 years. Dont let the false advertisements on their website fool you, they try to come across as they are very helpful and that they will assist their customers during "challenging times", having called their "Triage" team and waited over 1 hour on hold, I pleaded with the rep to offer some help to overcome the situation am in, wether that will be 1 month payment holiday on the loan or an increase in overdraft / credit card limit to tie me over just for 1 month and the outcome was, they only offered to change the repayment date on the loan and move it back by upto 14 days like that is going to help!, they do this all year round , nothing new and certainley no additional help during this pandemic. These stingy crooks did not even consider freezing credit card or overdraft fees just for 1 month till i return to work. Lastly in the same week, i accidently transfered some money from my current account to my credit card (online via internet banking), I was meant to transfer it to my savings account but as you know its very easy to select the wrong account to transfer money to in the drop down menu. After realising my mistake, I found there is no option to transfer money back from your credit card to your current account. I gave customer support a call and got through to a guy called "Sachin" (sounded like a right chav) whom immediatly said "you been passed to me in the collections department, your balance is xx and you need to pay xx"... I thought what the hell is this guy on? No one passed me through, I called in and my query is not related to balance, I have already paid the monthly amount due on my card thanks!!, I then told him the reason for my call to which he replied to transfer money back from credit card to current account would take 5 days to process..... and as i questioned why so long, he replied, you made the mistake what do you want us to about it? As you can see, the customer service is shocking, rude, incompetent staff even at the highest level, you can not even get through to a manager or to the complaints team, instead they take your number and you'd be lucky to ever recieve a call back from the complaints department. This is the 21st century folks.....and Nationwide expects you to wait 5 days to get funds transfered from your nationwide current account to your nationwide credit card back, come on people, open your eyes. just check what other banks offer and you will be suprised at the level of care and service compared to Nationwide which is a sinking ship! By the way, I also had a loan with YB and Post office and having spoke to their financial care team, they both provided a month payment holiday to assist me during the crisis which has meant reduced income. I am ever grateful to these banks and the difference between customer care and support is night and day compared to the crooked Nationwide. I will ensure on my return to work that I change bank details with my employer to YB with the outlook of closing my bank account with Nationscum. Reviewed on: 23rd March 2020

RAHAL saved the day

On the weekend 17/18/19/October I tried to apply for an online Nationwide credit card. But filled in the form unknowingly incorrectly and was refused the card first time ever. Tried the local branch 20/10/25 they gave me a telephone number that no longer existed. I tried for an hour to get through on another number. Rang the branch back they put me through (eventually) to a human a great guy named RAHAL who steered me through the whole process showed me where I went wrong and basically got me my Nationwide credit card So answering the review the electronic phone service was dire absolute pants until RAHAL the cavalry arrived and saved the day Reviewed on: 20th October 2025

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 accounts easily and see your balance. I would recommend. Reviewed on: 5th September 2025

Fast and easy service

Easy application process and a fast around service. Reviewed on: 15th July 2025

Easy to manage.

The Nationwide credit cards are extremely easy to manage. On the Nationwide app, you can view your statements (and past statements) all in one place. It's easy to pay off your balance; simply transfer from one account to the credit account. It's really simple and takes the stress out. Reviewed on: 13th June 2025

Low foreign currency charges

I use the Nationwide credit card for non GBP purchases when holidaying in the EU, always careful to avoid the trap of a card reader conversion to GBP, which is inevitably more expensive than Nationwide's rate. Reviewed on: 12th June 2025

Nationwide have consistently excellent customer serv...

Nationwide have consistently excellent customer service, the credit card gets good rates abroad and meets all my day to day needs Reviewed on: 12th June 2025

Cannot fault Nationwide great never had any problem...

Cannot fault Nationwide great never had any problem with them very good credit card couldn’t, wish for any better Reviewed on: 1st June 2025

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 sent me a £50 thank you from their bank for the successful acquisition of virgin money, also nationwide listens to its consumers, when we complained about having to always use our card readers to transfer and how inconvenient it could be at times they updated the app to allow us to use our face id’s and fingerprints to verify it’s us rather than always using the card so now we can easily transfer and go. Reviewed on: 11th April 2025

Great value features with that card

Great value features with that card Reviewed on: 11th April 2025

Always been easy to deal with never had any problems.

Always been easy to deal with never had any problems. I got a £50 bonus for staying with them. Reviewed on: 3rd April 2025

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

Cashback Plus Credit Card
from RBS 4.13 from 8 reviews
Overpay
from Incredible 4.60 from 5 reviews
Credit card
from Chase Bank 5.00 from 1 reviews

Want to see more from Nationwide?

Student Current Account
from Nationwide 5.00 from 5 reviews
Regular Savings
from Nationwide 4.71 from 79 reviews
Cash ISA
from Nationwide 4.70 from 61 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