Are you looking for a credit card that comes with amazing features that do not burn a hole in your pocket? Do you want a credit card that does not have any annual fees while allowing you to enjoy different benefits?
Search no more as The Nationwide Credit Card is now available for you to apply. The Nationwide Credit Card offers a lot of flexibility with the options for your needs.
Dive deeper into the features and benefits of the Nationwide Credit Card with the guide down below. You'll also learn how to apply for the credit card in this guide.
Benefits and Features of Nationwide Credit Card
The Nationwide Credit Card is one of the most popular credit cards in the UK known not only for its affordability and cost-efficiency but also for its accessibility.
Anyone who is a member of the Nationwide Bank is open to apply for the card.
Apart from its accessibility, you also have a slew of benefits and features that you can take advantage of especially if you are a frequent traveler.
A Credit Card That Travels With You
The Nationwide Credit Card is a great travel buddy for those who want to shop overseas.
There are a lot of great opportunities for frequent travelers to use the card outside of the UK now that it does not charge you fees for buying things.
With its zero annual fee, you will surely have a blast using the credit card for your shopping spree on your vacation.
No-Obligation Eligibility Check
Many people are apprehensive about applying for a new credit card as it can affect their credit score.
With the Nationwide Credit Card, there is a no-obligation eligibility check where you can see if you are eligible for the card.
This is a great way to know if you are going to be approved for the card without even having to fully commit to the application. The best part is that it also does not reflect on your credit report.
Interest Rates and Other Charges
The Nationwide Credit Card has an interest rate depending on your creditworthiness.
This is why it is highly recommended that you use the no-obligation eligibility check before you apply so you will know your interest rates and other charges. Many cardholders report to have around 24.9% APR for purchases.
The balance transfer fee is 1.5% of the total amount of the transfer or a minimum of £5 if the transfer is made within 90 days of opening the account. Transfers made after that will be at a 2.4% fee.
Two Introductory Offers to Choose From
While the Nationwide Credit Card has a lot of features and benefits to offer, there is one feature that trumps everything that this card has to offer - make it two.
The card lets you choose between two different introductory offers depending on your needs. These are the Balance Transfer Offer or the Rounder Offer.
Each offer meets a specific need depending on the cardholder.
To choose which one matters the most, check out how one offer is different from the other below.
Balance Transfer Offer
With the Balance Transfer Offer, you can transfer your balance from another credit card. This gives you a lot of time to consolidate all of your credit and pay them off without having to worry about interest.
This offer gives you 0% on balance transfers for the next 18 months. Not only that, it also has 0% interest rates on purchases for the first 3 months while maintaining zero fees for purchases made abroad.
All Rounder Offer
The All Rounder Offer makes purchases even more affordable and convenient now that you are given 15 months without any interest fee.
Yes, that's correct. There is 0% interest on purchases for the next 15 months and an additional 0% interest rate on balance transfers for the next 15 months as well.
If you are looking to remedy your balance while also having the budget to purchase, this is the kind of offer you might want to take.
How to Use the Nationwide Credit Card Abroad
While the Nationwide Credit Card offers a lot of flexibility and freedom for you to use the card for purchases overseas, you are still expected to use the card responsibly.
Here are some tips on how to use the Nationwide Credit Card abroad.
Use the Card for Purchases Abroad
The best way to enjoy the Nationwide Credit Card is to use it to pay for purchases done abroad.
It does not have any fees for transactions done so you can use it whenever you want. You don't have to worry about any surprise charges when you receive your monthly statement.
Don't Try to Withdraw Cash
While the Nationwide Credit Card is a card that you can use for international purchases, don't try to withdraw cash if you don't want to be charged with interest at cash rates.
Many people make the mistake of withdrawing cards from international ATMs, especially during an emergency.
Make sure that you prepare cash on hand when you travel abroad instead of using this credit card.
Stay Under 30% Credit Utilization
It can be tempting to use the Nationwide Credit Card for your shopping spree but you should remember that it is still a credit card.
Try to stay under 30% credit utilization to maintain your credit score. 30% is a healthy percentage for your credit score to thrive while leaving more room for you to work in case of an emergency abroad.
Applying for the Nationwide Credit Card
For those who are interested in applying for the Nationwide Credit Card, you will need to be a member of Nationwide first to be eligible for the application.
You will also need to be above the age of 18, a UK resident, and have a minimum of £5,000 as income per year before tax.
If you are qualified, you can use the no-obligation eligibility checker to check your interest rate and then apply.
Fill out the online application form then review it before you submit it. Make sure that you also check the terms and conditions before you fully submit the application form.
Contact Details
For more details, you can call their customer service hotline at 03456 00 66 11 or +44 2476 43 89 97 for calls abroad.
You can also visit their main office at Nationwide Building Society Nationwide House Pipers Way Swindon SN38 1NW.
Conclusion
The Nationwide Credit Card remains one of the most popular credit cards in the UK. With its versatility and accessibility to Nationwide members, there is simply no reason for you not to get this card especially if you are fond of traveling and shopping.
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.
