Nationwide BS

Compare Nationwide credit cards for 2021

See how the building society's small but rounded range of cards for existing members compares in our comprehensive guide.

Compare Nationwide credit cards

Table: sorted by representative APR, promoted deals first
Name Product Purchases Balance transfers Annual/monthly fees Representative APR Incentive Link
Nationwide Member Credit Card All Rounder Offer
0% for 15 months reverting to 19.9%
0% for 15 months
(1.5% fee)
£0
19.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
Nationwide Member Credit Card Balance Transfer Offer
0% for 3 months reverting to 19.9%
0% for 18 months
(1.5% fee)
£0
19.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
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Approval for any credit card will depend on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

What is Nationwide?

The Nationwide Building Society is a ‘mutual’, which means it’s owned by and run for the benefit of its members. To become a member, you’ll need to have a current account, mortgage or savings account with Nationwide. If you’re already a member, you can apply for a Nationwide credit card.

Nationwide credit cards are issued on the Visa network and so they’re accepted in over 20 million locations worldwide.

What are the benefits of a Nationwide credit card?

Nationwide credit cards are all-round (rather than specialised) cards. They are designed to offer a broad range of benefits to users rather than trying to lead the market in one particular area. The benefits include:

If you bank with Nationwide you’ll also get access to it’s sophisticated banking app. Through this you can check your balance faster, search, filter and compare you transactions over the last 15 months and make fast simple payments to your contacts.

Nationwide take the security of their customers very seriously and as a result have issued a digital banking promise. In this they outline that they’ll refund any money taken from an account as a result of fraud through its Banking app or Internet Banking service, how they monitor and protect accounts 24/7 with the latest technology and will provide education on how to stay safe and avoid scams.

How do Nationwide’s cards hold up against the rest of the market?

Table: sorted by representative APR, promoted deals first
Name Product Balance transfers Balance transfer fee Purchases Annual/monthly fees Representative APR Incentive Link
M&S Bank Rewards Offer Mastercard
0% for 12 months reverting to 19.9%
2.9% (min. £5)
0% for 12 months reverting to 19.9%
£0
19.9% APR (variable)
Double points on spend in M&S for first 12 months (2 points per £1). Then earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
Check eligibility
Santander Everyday Long Term Balance Transfer Credit Card
0% for 31 months reverting to 20.9%
2.75% (min. £5) for 31 months reverting to 3% (min. £5)
0% for 3 months reverting to 20.9%
£0
20.9% APR (variable)
Earn up to 15% cashback with your selected Retailer Offers at selected major retailers.
Representative example: When you spend £1,200 at a purchase rate of 20.9% (variable) p.a., your representative rate is 20.9% APR (variable).
Check eligibility
Santander Everyday No Balance Transfer Fee Credit Card
0% for 18 months reverting to 20.9%
0% for 18 months reverting to 3% (min. £5)
0% for 3 months reverting to 20.9%
£0
20.9% APR (variable)
Earn up to 15% cashback with your selected Retailer Offers at selected major retailers.
Representative example: When you spend £1,200 at a purchase rate of 20.9% p.a. (variable), your representative rate is 20.9% APR (variable).
Check eligibility
The NatWest Balance Transfer Credit Card (eligibility criteria apply)
0% for 20 months reverting to 21.9%
0%
0% for 3 months reverting to 21.9% p.a. (variable)
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable), your representative rate is 21.9% APR (variable).
Check eligibility
M&S Bank Shopping Plus Credit Card
0% for 23 months reverting to 21.9%
2.9% (min. £5)
0% for 23 months reverting to 21.9%
£0
21.9% APR (variable)
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
The Royal Bank Balance Transfer Credit Card (eligibility criteria apply)
0% for 20 months reverting to 21.9%
0%
0% for 3 months reverting to 21.9% p.a. (variable)
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable), your representative rate is 21.9% APR (variable).
Check eligibility
HSBC Balance Transfer Credit Card
0% for 29 months reverting to 21.9%
2.85% (min. £5)
0% for 3 months reverting to 21.9%
£0
21.9% APR (variable)
Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
M&S Bank Transfer Plus Offer Mastercard
0% for 31 months reverting to 21.9%
1.99% (min. £5)
0% for 3 months reverting to 21.9%
£0
21.9% APR (variable)
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
HSBC Purchase Plus Credit Card Visa
0% for 18 months reverting to 22.9%
2.9% (min. £5) for transfers in first 60 days
0% for 18 months reverting to 22.9%
£0
22.9% APR (variable)
Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
Check eligibility
Santander All in One Credit Card
0% for 26 months reverting to 17.9%
0% for 26 months reverting to 3% (min. £5)
0% for 20 months reverting to 17.9%
£3 per month
23.7% APR (variable)
0.5% cashback after £1 of monthly spend. Cashback paid monthly into card account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a. with a fee of £3 per month, your representative rate is 23.7% APR (variable).
Check eligibility
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Name Product Purchases Balance transfers Annual/monthly fees Representative APR Incentive Link
M&S Bank Shopping Plus Credit Card
0% for 23 months reverting to 21.9%
0% for 23 months
(2.9% fee)
£0
21.9% APR (variable)
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
Santander All in One Credit Card
0% for 20 months reverting to 17.9%
0% for 26 months
(0% fee)
£3 per month
23.7% APR (variable)
0.5% cashback after £1 of monthly spend. Cashback paid monthly into card account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a. with a fee of £3 per month, your representative rate is 23.7% APR (variable).
Check eligibility
HSBC Purchase Plus Credit Card Visa
0% for 18 months reverting to 22.9%
0% for 18 months
(2.9% fee)
£0
22.9% APR (variable)
Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
Check eligibility
M&S Bank Rewards Offer Mastercard
0% for 12 months reverting to 19.9%
0% for 12 months
(2.9% fee)
£0
19.9% APR (variable)
Double points on spend in M&S for first 12 months (2 points per £1). Then earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
Check eligibility
Tesco Bank Clubcard Plus Credit Card Mastercard
0% for 24 months reverting to 19.944%
21.814%
(3.99% fee)
£7.99 per month
37.7% APR (variable)
1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco, must have available credit to earn points. Card can also be used as a Clubcard to collect standard points at 1 point per £1 spent on shopping and 1 point per £2 spent on fuel. Points are converted to Tesco vouchers which can be used towards shopping or exchanged for Partner Rewards.
Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a. with a fee of £7.99 per month, your representative rate is 37.7% APR (variable).
Tesco Bank Purchases Card
0% for 23 months reverting to 20.94%
0% for 3 months
(2.99% fee)
£0
20.9% APR (variable)
1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.
Representative example: When you spend £1,200 at a purchase rate of 20.94% (variable) p.a., your representative rate is 20.9% APR (variable).
Ulster Bank Purchase & Balance Transfer Credit Card Mastercard
0% for 22 months reverting to 21.9%
0% for 22 months
(1.99% fee)
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Sainsbury's Bank Dual 22 Month Offer Credit Card Mastercard
0% for 22 months reverting to 20.95%
0% for 22 months
(3% fee)
£0
20.9% APR (variable)
Earn 3 Nectar points per £1 spent in Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. Earn 500 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, offer available for new customers.
Representative example: When you spend £1,200 at a purchase rate of 20.95% (variable) p.a., your representative rate is 20.9% APR (variable).
Royal Bank of Scotland Purchase & Balance Transfer Credit Card Mastercard
0% for 22 months reverting to 21.9%
0% for 22 months
(1.99% fee)
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
NatWest Purchase & Balance Transfer Credit Card Mastercard
0% for 22 months reverting to 21.9%
0% for 22 months
(1.99% fee)
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
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What is APR?

If you’re comparing any credit products, it won’t be long before you’ll come across the Annual Percentage Rate (APR). This figure is designed to provide an annual summary, taking into account both interest and any mandatory charges to be paid (for example an annual fee). All lenders must calculate the APR of their products in the same way, and must tell you the APR before you sign an agreement, so for consumers it can be a handy tool for comparison.

Bear in mind, however, that lenders are only obliged to award this rate to 51% of those who take out a card – the other 49% could pay more. That’s why it’s often referred to as the representative APR.

How to apply for a Nationwide credit card

To even begin applying for any credit card you need to at the least hold a current account, mortgage or savings account with Nationwide. If, however, you are already a Nationwide customer then the easiest way to apply is online. Simply fill out an online form providing personal information such as name, address, income and work status.

Eligibility requirements

There are basic eligibility requirements you will most likely need to meet to be accepted for a Nationwide credit card. The eligibility requirements are as follows:

  • You are aged 18 years or over
  • You have a permanent UK home address
  • You have not have missed three or more payments on any credit commitments in the last 12 months
  • You currently don’t hold a Nationwide credit card
  • You are a member of Nationwide Building Society
  • You have a gross annual income of at least £5000
  • You cannot currently be bankrupt, subject to an Individual Voluntary Agreement (IVA), or have any County Court Judgements (CCJs)

Why might you not be approved?

Typically you won’t be approved for a credit card if you’ve got a history of bad debt or don’t meet the above eligibility criteria. If you’ve got an outstanding CCJ or are on an IVA it is also likely you will not be approved. Equally, if you do not have a credit record at all, you may be turned down. It is advisable to go to Experian, or another credit rating agency, and to ask for a credit report.

Nationwide customer reviews

Nationwide has currently received poor reviews from customers overall, according to review aggregator Trustpilot. It has a rating of 1.9 out of 5, based on more than 2,250 reviews (updated 15 March 2021). Some customers reported problems with receiving their cards, or being unable to access card statements.

Frequently asked questions

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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