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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 to other providers? Is Nationwide a good credit card provider?
Which 0% balance transfer 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 third with Marks & Spencer Bank and British Airways in our 2020 credit card survey customer satisfaction survey.

It achieved an impressive customer score of 78% and its deals have passed the test to crown Nationwide a Which? Recommended Provider.

Credit Cards
Nationwide review
Which? Customer Score
=3rd 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, query handling and complaint resolution.

Nationwide credit card satisfaction ratings


Star ratings

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.

Customer service

5 out of 5

Application process

4 out of 5

Clarity of statement

4 out of 5

Transparency of charges and penalties

5 out of 5

Dealing with queries

5 out of 5

Dealing with complaints

5 out of 5

Ability to manage online

5 out of 5

Ability to manage by mobile app

5 out of 5

Ability to manage by telephone banking

4 out of 5

Charges for using your credit card abroad

5 out of 5

Which 0% balance transfer credit card is best?

Below are the top five 0% balance transfer deals on the market right now.

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 6,537 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?


Nationwide doesn’t currently offer an eligibility checker. This means you'll need to apply without knowing if you're likely to be accepted.

To improve your chances of getting approved for the Partnership card, you check your credit report and take steps to improve your credit score.


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. This means you need to have a savings account, current account or mortgage with the building society to qualify.

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.