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Nationwide credit card review

Find out how Nationwide has been rated for its application process, customer service, mobile app and more in our latest credit card customer satisfaction survey

In this article
What do Nationwide credit cards offer?  How does Nationwide compare with other providers? Is Nationwide a good credit card provider?
How we calculate Nationwide’s customer score and ratings Nationwide credit card FAQs

What do Nationwide credit cards offer? 

Nationwide Building Society offers a Member credit card that comes with a choice of 0% offers plus unlimited commission-free purchases abroad, making it one of the most competitive cards for overseas spending. 

The Member Balance Transfer Credit Card offers 0% on balance transfers for 18 months (1.5% balance transfer fee in the first 90 days).

Alternatively, there’s the Member All Rounder Offer which can get you 0% on purchases and balance transfers (1.5% fee for the first 90 days) for 15 months.

Representative example: if you borrowed £1,200 for one year, at a purchase rate of 19.9% (variable), both deals would cost a representative 19.9% APR (variable). Credit available subject to status and terms apply. 

However, in order to take out a Nationwide credit card, you will need to be a Nationwide current account holder, mortgage customer, or have a Nationwide savings account. 

How does Nationwide compare with other providers?

Nationwide placed joint-sixth in our latest credit card survey customer satisfaction survey.

It achieved an impressive customer score of 75% and its deals have passed the test to make Nationwide a Which? Recommended Provider.

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Nationwide review
Which? customer score
=6th out of 26 credit card providers
The Which? rating for customer satisfaction is based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
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Is Nationwide a good credit card provider?

Our survey also reveals how Nationwide customers rated the provider across 10 categories. 

Find out in the table below how Nationwide scored for its application process, online account management, telephone banking, mobile app, statement clarity, transparency of charges, overseas usage fees, customer service, query handling and complaint resolution.

Nationwide credit card customer satisfaction category Star rating
Customer service

5 out of 5

Application process

5 out of 5

Clarity of statement

4 out of 5

Transparency of charges

5 out of 5

Charges for using your card abroad

4 out of 5

Dealing with complaints and resolving problems

4 out of 5

Dealing with queries

5 out of 5

Ability to manage account online

5 out of 5

Ability to manage account by telephone

4 out of 5

Mobile app on a smartphone or tablet

5 out of 5


Star ratings out of five show levels of satisfaction for each category. Where no stars are given, we received too few responses in our survey to award a score.

How we calculate Nationwide’s customer score and ratings

We pick those to feature in Which? reviews based on the most popular credit card brands searched for online. 

Customer scores are based on an online survey of the public conducted in May 2021, which received 4,011 responses. Participants could provide answers on up to two credit cards. 

This year’s customer score analysis is based on a sample size of 5,744 credit card experiences in total and represents overall satisfaction as well as the likelihood to recommend the provider to a friend.

Star ratings for each category are calculated independently of the customer score.

We carry out these surveys annually and update our review pages accordingly. Providers must receive a minimum sample size of 50 respondents to be included in our customer satisfaction tables.


Nationwide credit card FAQs


Does Nationwide offer an eligibility check?


Nationwide now offers an eligibility checker. This means you'll need to apply without knowing if you're likely to be accepted.


Where are Nationwide credit cards accepted?


Nationwide credit cards are on the Visa network, which means they are accepted at millions of places in the UK and abroad.


How can I pay my Nationwide credit card bill?


You can pay your bill online, by using its mobile banking app or over the telephone. 

Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular T&Cs of a provider before committing to any financial products.