Nationwide credit card review
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. It has a representative APR of 24.9% (variable).
However, to take out the 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 achieved a customer score of 72% and came joint 7th out of 31 providers in our latest credit card provider customer satisfaction survey, alongside Barclaycard and Halifax.
- Find out more Visit our best credit card providers guide to read the full survey results and compare Nationwide's score with other companies
Is Nationwide a good credit card provider?
Our survey also reveals how Nationwide customers rated the provider across the following five categories:
| Customer satisfaction category | Nationwide star rating |
|---|---|
| Customer service | |
| Application process | |
| Clarity of statement | |
| Transparency of charges and penalties | |
| Ability to manage account online or via a mobile app |
Table notes: star ratings are out of five and show the level of satisfaction for each category. We carry out this survey annually and update our review pages accordingly. Jump to the section on how we review Nationwide to find out more about our research.
Your Nationwide credit card questions answered
Grace, our credit card expert, answers the top questions people have about Nationwide credit cards.
Does Nationwide offer an eligibility check?
Nationwide offers an eligibility checker. This means you can apply knowing if you're likely to be accepted.
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.
How long does it take to get a Nationwide credit card?
Once accepted, your card and Pin should arrive about seven working days after you open your account. For security reasons, your new credit card and Pin are delivered in separate letters.
How we review Nationwide
Here's some more information about our research and the terms we use in this review.
Customer score
Our customer scores for credit card companies are based on an online survey of 3,775 members of the public, conducted in October 2023.
The score is calculated using a combination of overall satisfaction with the brand and the likelihood of recommending the provider to a friend.
Star ratings
We also ask credit card customers to rate brands on five categories including customer service, application process, clarity of statement, transparency of charges and ability to manage the account online or via a mobile app — so you can get an idea of the quality of service you might receive before you sign up.
Star ratings for each category are calculated independently of each other and the provider customer score.
Providers must receive a minimum sample size of 40 respondents to be included in our customer satisfaction tables.
- Find out more: Which? symbols, logos and ratings explained
Why should you trust Which? research?
We’re not influenced by third parties. We work entirely on behalf of you, the consumer – nobody else. See our statement of editorial independence for more.
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.