Compare Nationwide credit cards for 2025

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2 of 2 results

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Finder Score	Purchases	Balance transfers	Annual/monthly fees	Representative APR	Key benefit	Representative example
Finder score 7.9Great Nationwide Building Society Member Credit Card (All Rounder Offer) Existing Customers Only	Finder score 7.9Great	0% for 15 months	0% for 15 months (2.99% fee)	£0	24.9% APR (variable)	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	More info Compare product selection Compare	loading
Finder score 6.2Standard Nationwide Building Society Member Credit Card (BT Offer) Existing Customers Only	Finder score 6.2Standard	0% for 3 months	0% for 24 months (2.99% fee)	£0	24.9% APR (variable)	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	More info Compare product selection Compare	loading

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Finder Score for credit cards

To make comparing even easier we came up with the Finder Score. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card – simple.

Read the full methodology

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:

• 0% on balance transfers. If you have expensive debt on another card, you can bring it across to your Nationwide card and enjoy 0% interest on a transferred balance for a specified period. Learn more about 0% balance transfer cards.
• 0% on purchases. Planning a significant expenditure on your card? Enjoy 0% interest on purchases for a specified period. Learn more about 0% purchase cards.
• No annual fee. No need to get the calculator out to see if paying an annual fee is worth it – there isn’t one! Learn more about no annual fee cards.
• Commission-free purchases abroad. If you use your credit card overseas, or expect to, then commission-free purchases abroad could save you money. Learn more about cards for overseas spending.

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?

• Balance Transfer Cards
• 0% Purchase Cards

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4 of 62 results

Updated dailyShare

Finder Score	Balance transfers	Purchases	Annual/monthly fees	Representative APR	Incentive
Promoted Finder score 9.5Excellent HSBC Balance Transfer Credit Card (35 Mths)	Finder score 9.5Excellent	0% for 35 months (3.19% fee)	0% for 3 months	£0	24.9% APR (variable)	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away. Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	Check eligibility More info Compare product selection Compare	loading
Promoted Finder score 9.1Excellent Santander Everyday Long Term Balance Transfer Credit Card	Finder score 9.1Excellent	0% for 34 months (3.15% fee)	0% for 3 months	£0	24.9% APR (variable)	Spend with your Santander Mastercard debit or credit card in the UK or abroad from 1 Jul to 31 Dec and get entries into a monthly prize draw to win a European trip for two. You must enter the promotion to take part. T&Cs apply. Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	Check eligibility More info Compare product selection Compare	loading
Promoted Finder score 8.1Great First Direct Credit Card	Finder score 8.1Great	0% for 20 months (2.99% fee)	24.9%	£0	24.9% APR (variable)	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	Check eligibility More info Compare product selection Compare	loading
Finder score 8.3Great HSBC Purchase Plus Credit Card	Finder score 8.3Great	0% for 17 months (3.49% fee)	0% for 20 months	£0	24.9% APR (variable)	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away. Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	Check eligibility More info Compare product selection Compare	loading

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Showing 4 of 62 results

Finder Score for credit cards

To make comparing even easier we came up with the Finder Score. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card – simple.

Read the full methodology

{"userFilters":[{"config":{"MULTISELECT":true,"VALUES":"All-round,Balance transfer,Balance transfer and purchase,Business,Cashback,Credit builder,Frequent flyer,Fuel,Low rate,Matched,Money transfer,Overseas,Platinum,Purchase,Reward,Store card,Student"},"dataSelector":{"recordType":"product","fieldCode":"GENERAL.FIN_CARD_TYPE"},"dataType":"TEXT","label":"Card type","order":1},{"config":{},"dataSelector":{"recordType":"product","fieldCode":"REWARDS.CASHBACK"},"dataType":"BOOLEAN","label":"Cashback","order":2},{"config":{},"dataSelector":{"recordType":"product","fieldCode":"RATES_AND_FEES.PURCHASES_ZERO_PERIOD"},"dataType":"NUMBER","label":"0% purchases offer (months)","order":4},{"config":{},"dataSelector":{"recordType":"product","fieldCode":"RATES_AND_FEES.BALANCE_TRANSFERS_ZERO_PERIOD"},"dataType":"NUMBER","label":"0% balance transfer offer (months)","order":5},{"config":{},"dataSelector":{"recordType":"product","fieldCode":"RATES_AND_FEES.FOREIGN_USAGE_CHARGE_EU"},"dataType":"PERCENTAGE","label":"Foreign usage charge (EU)","order":6},{"config":{},"dataSelector":{"recordType":"product","fieldCode":"GENERAL.IS_CHARGE_CARD"},"dataType":"BOOLEAN","label":"Charge card","order":7},{"config":{"MULTISELECT":true,"VALUES":"Mastercard,Visa,Amex"},"dataSelector":{"recordType":"product","fieldCode":"GENERAL.NETWORK"},"dataType":"TEXT","label":"Network","order":8},{"config":{},"dataSelector":{"recordType":"product","fieldCode":"GENERAL.PROVIDER_ID"},"dataType":"UUID","label":"Card issuer","order":9}],"niche":{"currencySymbol":"\u00a3","decimalPoint":".","decimalPlaces":"2","thousandsSeparator":",","filterBoundsMap":{"product.GENERAL.FIN_CARD_TYPE":null,"product.REWARDS.CASHBACK":null,"product.RATES_AND_FEES.PURCHASES_ZERO_PERIOD":{"minimum":"0","maximum":"27"},"product.RATES_AND_FEES.BALANCE_TRANSFERS_ZERO_PERIOD":{"minimum":"0","maximum":"35"}}},"prefilled":false,"experimental":false}

4 of 30 results

Updated dailyShare

Finder Score	Purchases	Balance transfers	Annual/monthly fees	Representative APR	Key benefit	Representative example
Promoted Finder score 9.9Excellent M&S Bank Purchase Plus Credit Card	Finder score 9.9Excellent	0% for 25 months	0% for 12 months (3.49% fee)	£0	24.9% APR (variable)	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	Check eligibility More info Compare product selection Compare	loading
Promoted Finder score 8.3Great HSBC Purchase Plus Credit Card	Finder score 8.3Great	0% for 20 months	0% for 17 months (3.49% fee)	£0	24.9% APR (variable)	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	Check eligibility More info Compare product selection Compare	loading
Promoted Finder score 8.7Great Santander All in One Credit Card	Finder score 8.7Great	0% for 15 months	0% for 15 months (0% fee)	£3 per month	29.8% APR (variable)	0.5% cashback after £1 of monthly spend. Maximum of £10 paid per month. Paid monthly into Card Account. Spend with your Santander Mastercard debit or credit card in the UK or abroad until 31 Dec and get entries into a monthly prize draw to win a European trip for two. You must enter the promotion to take part. T&Cs apply.	Representative example: Representative 29.8% APR variable. Based on £3 monthly fee, assumed borrowing of £1,200. Rate of interest 23.9% p.a. (variable).	Check eligibility More info Compare product selection Compare	loading
Finder score 8Great TSB Platinum Purchase Card	Finder score 8Great	0% for 25 months	0% for 18 months (3.49% fee)	£0	24.9% APR (variable)	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.95% p.a. (variable).	More info Compare product selection Compare	loading

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Showing 4 of 30 results

Finder Score for credit cards

To make comparing even easier we came up with the Finder Score. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card – simple.

Read the full methodology

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 poor reviews from customers overall, according to review aggregator Trustpilot. It has a rating of 1.8 out of 5, based on more than 3,700 reviews (updated April 2023). Some customers reported problems with receiving their cards, or being unable to access card statements.

Contact Nationwide Building Society’s customer support

Overview of Nationwide BS credit cards

Frequently asked questions

• How can I pay my bill?

  The main ways to pay your bill are by direct debit, debit card, internet banking, at your bank or by cheque.

• What do I do if I've lost my credit card?

  Call Nationwide immediately if you’ve lost your card or if it has been stolen. You can call anytime – Nationwide lines are open 24/7 on 0800 055 66 22. You can also report lost and stolen debit cards using the Banking app.

• What is contactless payment?

  Contactless is a fast, easy and secure way to pay for goods and services under £45 without entering a PIN. To make a payment, all you have to do is follow the instructions on the terminal and place your contactless card over the contactless reader.

• How does Verified by Visa (VbV) work?

  This service uses sophisticated Risk-Based authentication and you will be shown a “Processing …” page after you have entered your payment details and selected to checkout. In some cases as an extra security measure you may be requested to provide additional information to verify your purchase, in accordance with the Terms of use and privacy policy.

• How is interest calculated?

  Your Credit Card may have different rates of interest for purchases, balance transfers and cash withdrawals. You’ll find your interest rates in your terms and conditions. Interest is calculated as a percentage on the amount you borrow. The longer it takes you to pay off your balance, the more interest you will have to pay.

Written by

Chris Lilly

Head of publishing

Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio

Chris's expertise

Chris has written 529 Finder guides across topics including:

• Loans & credit cards
• Building credit
• Financial health
• Share trading