Comparing UK 0% credit cards online since 2002The Nationwide credit card offers 0% introductory offers on balance transfers and on purchases. The Nationwide credit cards also offer customers, unlimited commission-free purchases abroad.
These Nationwide credit card offers are however, now only available to Nationwide members. To apply for the Nationwide credit card, you must be a Member of Nationwide. This means that you need to already have a current account, mortgage or a savings account with Nationwide.
The Nationwide Member credit card all rounder offer has 0% for 15 months on balance transfers with a 1.5% balance transfer fee within first 90 days, after that 2.4% fee applies, minimum £5. This Nationwide all rounder credit card also has a offer of 0% for 15 months on purchases and a representative 24.9% APR variable.
Nationwide Member Credit Card
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- 0% on balance transfers for 15 months if made within 90 days of account opening
- 1.5% balance transfer fee within first 90 days, after that 2.4% fee applies, minimum £5
- 0% on purchases for 15 months from date you open your account
- Unlimited commission-free purchases abroad
- Manage account online
- Annual Fee: None
- Must be a Member of Nationwide. This means you already have a current account, mortgage or savings account with Nationwide
- You are a UK resident
- You have a minimum income of £5000 per year
- You have a good credit history
- You are aged 18 or over
The above Nationwide 0 credit card is only available to Nationwide members. This card does also currently have 0% introductory offers, that are shorter than many other UK credit cards.
The following alternative featured UK credit cards, with longer 0% offers, are available to all UK customers looking for a new credit card:-
- 0% for up to 26 months on balance transfers made within 90 days of account opening
- 3.49% balance transfer fee, minimum £5
- 0% on purchases for 3 months from account opening
- Collect M&S points every time you shop anywhere in the world with your card
- One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
- Manage account online
- Annual Fee: None
- You are a UK resident
- You have an annual income or pension of at least £6,800
- You are aged 18 or over
- You have not held a credit card with M&S Bank within the previous 12 months
- 0% interest for up to 26 months on balance transfers made within first 60 days of account opening
- 3.49% balance transfer fee applies (minimum £5)
- 0% interest on purchases for 3 months from account opening
- At end of promotional period, balance transfers and purchases will revert to standard variable rate
- Worldwide offers and discounts with HSBC home&Away
- Manage your card online
- Annual Fee: None
- You have an annual income or pension before tax of £6,800 or more
- You are a UK resident
- You are aged 18 or over
- You do not hold an HSBC Basic bank account
- 0% for up to 12 months on balance transfers made within 90 days of account opening
- 3.49% balance transfer fee, minimum £5
- 0% on purchases for up to 20 months from account opening
- Collect M&S points every time you shop anywhere in the world with your card
- One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
- Manage account online
- Annual Fee: None
- You are a UK resident
- You have an annual income or pension of at least £6,800
- You are aged 18 or over
- You have not held a credit card with M&S Bank within the previous 12 months
- 0% interest for up to 16 months on balance transfers made within first 60 days of account opening
- 3.49% balance transfer fee applies (minimum £5)
- 0% interest on purchases for up to 18 months from account opening
- At end of promotional period, balance transfers and purchases will revert to standard variable rate
- Worldwide offers and discounts with HSBC home&Away
- Manage your card online
- Annual Fee: None
- You have an annual income or pension before tax of £6,800 or more
- You are a UK resident
- You are aged 18 or over
- You do not hold an HSBC Basic bank account
The Nationwide credit card is available for online applications to UK residents aged 18 or over, who have a gross annual income of £5,000 or more and a good credit history.
These interest free credit cards are available just for Nationwide Members with a current account, mortgage or savings account with Nationwide.
The Nationwide credit card deals had previously offered equal 0% for 12 months on both purchases and balance transfers. The current longer introductory offers from Nationwide, were first introduced back in 2019.
The length of the 0% introductory offers have remained unchanged since then. However the standard interest rate was increased from 19.9% APR, to the current higher representative 24.9% APR variable, in February of this year.
Nationwide Credit Card Abroad
The Nationwide credit card is suitable to use as a 0% credit card abroad. This is because both of the Nationwide credit cards offer customers unlimited commission-free purchases abroad.
Many other UK credit cards will charge a foreign transaction fee of around 2.75%, or higher, on any purchase made abroad. So paying for a £1,000 hotel bill in a foreign currency, whilst on holiday, would incur a £27.50 fee with many other credit cards.
This fee would also require the customer to have a credit limit greater than £1000, a credit card with a £3000 limit for example. Customers with only a £1000 limit, would exceed their credit limit with the addition of the foreign transaction fee.
Using your nationwide card abroad, to pay the same £1,000 hotel bill above, would not incur any foreign transaction fee. This would save the customer £27.50 compared to using some other UK credit cards.
As a result, these Nationwide credit cards can allow customers to make savings, when used outside of the UK with their unlimited commission-free purchases abroad offers.
The UK Nationwide credit cards are issued using the Visa payment network. This means that the Nationwide Member credit cards, are accepted in millions of premises around the world. These locations include shops, petrol stations, restaurants and hotels.
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