If you are in a bit of a crunch and looking for a card that’s got low interest fees and no annual fee, you can check out Nationwide Credit Card. With all the perks and frills that come with credit card these days it can sometimes be distracting from your real purpose in getting a credit card.
Many people want to use a credit card to help them get out of temporary financial crunches. With the Nationwide Card you get a 12-month 0% balance transfer charge and zero interest on purchases made within the first 12 months of having the card. They also give you an opportunity to get a commission-free allowance from your purchases.
You might need anything more than a decent interest rate and no annual fee, but there are a couple of other things you get with the card too. Our editors have done some research to provide you with the things you need to know before applying for a Nationwide Credit Card. You will need to be a member or accountholder of The Nationwide Building Society in order to apply for the card.
Benefits of the Nationwide Credit Card
One of the helpful things about this card is the commission-free allowance you’ll earn every time you use your credit card to make transactions. For every £100 spent, you can earn £20 worth of commission-free allowance to spend use on purchases in a foreign currency. Any spend over this allowance will come with a 2% fee.
There’s more to this card other than the premium reward system. Powered by Visa, you can get access to exclusive deals and discounts only for visa cardholders. Get up to 75% off on selected hotels, restaurants, tours and merchant outlets. Car rentals can also come at a discounted price once you present this credit card for payment.
Up for a bigger cashback scheme? Earn money while spending your money! Every time you spend a minimum amount using the Nationwide Credit Card, you can get a slice of that amount to pay your balances. Simply register on the Simply Rewards website to see all the available offers.
Tracking your transactions is also easy and hassle-free with internet banking. Simply register and log in to your account to check and manage your money.
Nationwide Credit Card Fees and Charges
Nationwide Building Society doesn’t charge cardholders any joining fee or annual fee. However, if you don’t pay on time and in full, expect additional fees on top of your bill. For instance, if you miss the 56-day grace period, there will be a £12 charge as the late payment fee and an interest charge of 17.9 p.a. For cash advances, there will be a 2.5% charge for each cash advance. The representative APR for this credit card is 17.9% (variable).
How to Apply for a Nationwide Credit Card
This card is only for Nationwide members and account holders. You will however still need to fill out an application form and provide pertinent information about your financial history and identity.
Once you’ve got your information gathered you can visit the Nationwide Website and fill the application online. If you are approved, the institution will set a limit between £500 to £1,200, in certain cases it can be higher. Your credit limit is based upon you financial history and ability to pay.
How to Contact Nationwide
Nationwide Building Society, Nationwide House, Pipers Way, Swindon, UK, SN38 1NW
Telephone: 0800 055 66 11 (or +44 2476 43 89 97 from outside the UK).
Order your own Nationwide Credit Card to enjoy countless perks and features you can use. Whether you’re in the UK or abroad, you can certainly benefit from this credit card.
Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.