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.

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 | |
Application process | |
Clarity of statement | |
Transparency of charges | |
Charges for using your card abroad | |
Dealing with complaints and resolving problems | |
Dealing with queries | |
Ability to manage account online | |
Ability to manage account by telephone | |
Mobile app on a smartphone or tablet | |
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.