How to Apply for The Nationwide Credit Card

Are you on the hunt for an easy to use credit card, with amazing features, low rates, and zero annual fees? The Nationwide Credit Card is the answer to all these concerns. Over the years, this card has proven to be one of the best Visa credit cards in the UK market.

Are you interested in knowing more about The Nationwide Credit Card? Let’s expand more on its features and benefits and how you can apply today.

Features and Benefits of The Nationwide Credit Card

Did you know that with The Nationwide Credit Card there are no balance transfer fees in the first three months of obtaining your card? On top of this, you can enjoy 0% interest for 12 months and 0% annual fees as an introductory offer.

One of the best perks of this credit card is the 20% commission-free allowance the bank gives you to use abroad. This reward accumulates every time you make a purchase in GBP. So if you spend £500 in a month (UK, Sterling) you’ll automatically receive £100 worth of commission-free allowances to make purchases abroad or in a foreign currency.

It is super easy to manage this Visa credit card; you can log in into your account online and check balances, make transactions, change your pin and lock or unlock your card, all at your convenience. With their online banking app, you can access your account on the go at any time.

To make your life a lot easier, you can also link The Nationwide Credit Card with Apple Pay, Google Pay, or Samsung pay and make card-less payments wherever this option is accepted. This makes shopping a breeze.

Interested in opening a credit card account with the Nationwide Bank? Let’s find out if you are eligible first.

Nationwide Credit Card

Eligibility and How to Apply for The Nationwide Credit Card

The Nationwide Credit Card is only for members. So to become a member you first need to open a current, mortgage or savings account with Nationwide.

To apply for any of the above accounts, you must be at least 18 years of age and a UK citizen with a steady income.

If you tick these boxes, you can apply for a bank account online via the application form on the Nationwide website.

Then, once you are a member, you can head back to the same webpage and apply for the credit card. If your application is successful, the minimum credit limit is £500, however, this may be higher depending on your income and credit rating.

The Nationwide Credit Card Fees and Charges

  • 0% introductory APR on balance transfers (for the first 12 months)
  • 0% introductory APR on purchases (for the first 12 months)
  • 17.9% to 19.9% APR thereafter, depending on individual circumstances
  • $0 annual fee
  • $0 balance transfer fee (for the first 3 months)
  • 2.4% (minimum £5.00) of the balance transfer amount thereafter
  • 2.5% (minimum £3.00) cash advance fee, whichever is higher
  • £12 late payment penalty fee
  • £0 over limit charge


If you are looking for a simple, every day credit card that offers great perks and ease of use, The Nationwide Credit Card is no doubt one of the best options. Visit the Nationwide website and apply now to begin enjoying the features of this credit card.