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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 customer satisfaction survey.

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

What do Nationwide credit cards offer? 

Nationwide Building Society offers two credit cards that are among the most competitive for overseas spending.

However, in order to take out a Nationwide card, you will need to be a Nationwide current account holder.

How does Nationwide compare to other providers?

Nationwide placed joint first with American Express  in our credit card survey customer satisfaction survey, achieving an impressive customer score of 79%. It has also been crowned a Which? Recommended Provider.


Credit Cards
Nationwide review
Which? Customer Score
=1st out of 29 credit card providers
Which?'s rating for customer satisfaction, 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 and query handling.

Nationwide credit card satisfaction


Star rating
Customer service

5 out of 5

Application process 5 out of 5
Clarity of statement 5 out of 5
Transparency of charges and penalties

4 out of 5

Dealing with queries 4 out of 5
Dealing with complaints 5 out of 5
Ability to manage online 5 out of 5
Ability to manage by mobile app 4 out of 5
Ability to manage by telephone banking 4 out of 5
Charges for using your credit card abroad 4 out of 5

Which Nationwide credit card is best?

You can find out more about the range of Nationwide credit cards and see how they stack up using Which? Money Compare.

How we calculate Nationwide’s customer score and ratings

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

Customer scores are based on an online survey of the public, which received 5,621 responses in total. They are calculated using a combination of overall satisfaction and the likelihood of recommending the provider to a friend.

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

These surveys are carried out annually and customer scores are updated accordingly. Providers must receive a minimum sample size of 30 respondents to be included in our customer satisfaction tables.


Nationwide credit card FAQs


Does Nationwide offer an eligibility check?


Yes. Nationwide has an 'Acceptance Indicator' which can tell you if you're likely to be accepted before you apply.


Where are Nationwide credit cards accepted?


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


Who is eligible for a Nationwide credit card?


Nationwide's cards are only available to its customers. The Nationwide Select credit card is available to current account customers that use it as a main account and the Nationwide Credit Card is available to mortgage, savings or current account customers.

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