Coronavirus (COVID-19) credit card update
The Financial Conduct Authority (FCA) wants lenders to continue to offer payment holidays on credit cards, loans and other finance agreements in a bid to help ease the financial hardship caused by the coronavirus outbreak.
- Find out more: coronavirus payment holidays on credit cards and loans
Keep on top of the latest news and advice related to the COVID-19 pandemic with Which?
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.
- You can compare Nationwide credit cards plus hundreds of other deals, on Which? Money Compare.
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.

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. |
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Customer service | |
Application process | |
Clarity of statement | |
Transparency of charges and penalties | |
Dealing with queries | |
Dealing with complaints | |
Ability to manage online | |
Ability to manage by mobile app | |
Ability to manage by telephone banking | |
Charges for using your credit card abroad | |
Which 0% balance transfer credit card is best?
Below are the top five 0% balance transfer deals on the market right now.
- You can find more 0% balance transfer credit cards 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 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.