What the Nationwide Credit Card Offers: Benefits Worth Knowing


Are you on the hunt for an easy-to-use credit card, with amazing features, low rates, and zero annual fees? The Nationwide Credit Card may be the answer to all these concerns. Over the years, this card has proven to be one of the best Visa credit cards in the UK.

And it is not only great within the UK; this card also offers perks that make it quite a nice travel companion as well. This is a great card for holiday spending and everyday use as well. With the variety of perks this card offers, there is a benefit for nearly every type of cardholder.


Are you interested in knowing more about the Nationwide Credit Card? Below, we expand more on its features and how you can apply today.

Nationwide Credit Card

Features of the Nationwide Credit Card

Did you know that with The Nationwide Credit Card there are no balance transfer fees within the first three months of obtaining your card? On top of this, you can enjoy 0% interest for 12 months as an introductory offer. Further, with this card, there are zero annual fees and no over-limit fee. These are all features that help cardholders save money.


One of the best perks of this credit card is the 20% commission-free allowance the bank gives you to use abroad. This reward accumulates every time you make a purchase in GBP. So if you spend £500 in a month (UK, Sterling) you’ll automatically receive £100 worth of commission-free allowances to make purchases abroad or in a foreign currency, without any fees.

It is super easy to manage this Visa credit card; you can log in into your account online and check balances, make transactions, change your pin and lock or unlock your card, all at your convenience. With their online banking app, you can access your account on the go at any time.

To make your life a lot easier, you can also link the Nationwide Credit Card with Apple Pay, Google Pay, or Samsung pay and make card-less payments wherever this option is accepted. This makes shopping a breeze.


How Good are These Offers?

If you are not instantly wowed by the introductory offers, the 20% commission-free allowance ought to do it. This card allows you to earn an allowance to use abroad simply by carrying on with your everyday spending. This benefit is offered at 20% no less! Even if you don’t have any commission-free allowance saved up, the foreign fee is only 2% with this card.

Most credit cards charge a foreign currency transaction fee of about 3%. With holiday spending, that percentage can add up to be a costly amount quite quickly. However, with the Nationwide credit card, you will not have to worry about this extra fee. Aside from completely doing away with any foreign transaction fees altogether, this card has an offer that is hard to beat. If you are a frequent traveler, you stand to save significantly by using this card on your next holiday.

Interested in opening a credit card account with the Nationwide Bank? Let’s find out if you are eligible first.

Eligibility and How to Apply: Become a Member

The Nationwide Credit Card is only for members. To become a member you first need to open a current, mortgage or savings account with Nationwide.

To apply for any of the above accounts, you must be at least 18 years of age and a UK citizen with a steady income. If you tick these boxes, you can apply for a bank account online via the application form on the Nationwide website.

Then, once you are a member, you can head back to the same webpage and apply for the Nationwide credit card. You’ll be asked to fill in a variety of personal information so the bank can determine your creditworthiness. If your application is successful, the minimum credit limit is £500, however, this may be higher depending on your income and credit rating.

The Nationwide Credit Card: The Details

  • 0% introductory APR on balance transfers (for the first 12 months)
  • 0% introductory APR on purchases (for the first 12 months)
  • 17.9% to 19.9% APR thereafter, depending on individual circumstances
  • £0 annual fee
  • £0 balance transfer fee (for the first 3 months)
  • 2.4% (minimum £5.00) of the balance transfer amount thereafter
  • 2.5% (minimum £3.00) cash advance fee, whichever is higher
  • £12 late payment penalty fee
  • £0 over-limit charge


If you are looking for a simple, everyday credit card that offers great perks and ease of use, the Nationwide credit card is no doubt one of the best options. If you like what this card has to offer, visit the Nationwide website and apply now to begin enjoying the benefits.

Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.