The new Select Visa from Nationwide is a great all-round credit card offering a table topping 0%-on-purchases deal, 0% commission on purchases made abroad and 0.5% cashback.
If you’re looking for a great 0%-on-purchases credit card then the Select Visa from Nationwide offers the longest deal on the market of 18 months, but only if you’re a Nationwide FlexAccount bank account holder. To qualify for this current account you must pay in £750 or more each month (excluding internal transfers) or agree to switch to a FlexAccount (or have done so in the past four months).
Unlimited commission-free purchases and cashback
The card also offers unlimited commission-free purchases abroad and 0.5% cashback on all sterling transactions, so long as you credit your FlexAccount with £750 or more each month. The 0% commission deal on the credit card offers a better deal to FlexAccount holders than purchases made with the account’s debit card, as the latter attracts a 2% commission fee.
It’s best to avoid cash withdrawals on the credit card, though, as you will be charged a 2.5% handling fee (min £3) and will incur interest from the date the transaction hits your account.
Alternative credit cards to use abroad
If you don’t want to switch to the Nationwide FlexAccount, both the Saga Platinum Visa credit card (which is only available for customers over 50) and the Halifax Clarity MasterCard offer 0% commission on overseas purchases, with representative APRs of 11.9% and 12.9% respectively. The Clarity MasterCard also waives cash withdrawal fees, although you are still charged interest from the date the transaction is debited to your account.
Which? Recommended Provider for current accounts
Nationwide is rated highly by Which? members for its current account and qualifies as a Which? Recommended Provider with a customer score of 71%. Nationwide also scores a reasonable 66% customer satisfaction score for its credit cards.
Which? credit card expert Bobby Nicholls says: ‘It’s refreshing to see innovative deals like this emerge in the credit card market, rewarding customers with a variety of excellent features.’
- 0%-on-purchases credit cards – discover the best 0% purchase deals on the market
- Best cards for use abroad – find the best 0%-commission cards for purchases and withdrawals abroad
- Which? Money Helpline – if you’re having problems with your credit card, our experts can help