Nationwide Building Society Credit Card

Advantages: Excellent facilities for getting money abroad
Disadvantages: Excessive security and poor customer service

The card Nationwide have three credit cards. The Classic, the Cash reward and the Comic Relief. The Classic offers: a. Up to 56 days interest free credit (but NOT on cash advances). b. Free purchase cover for loss, theft or damages to most purchases over £50 c. Free extended warranty for a further 12 months on selected gas and electrical goods d. Initial interest rate of 0% (for first 6 months of owning card), but it is currently 13.9% as standard. ...
...cover if you use your nationwide card to buy your travel tickets (this is pretty limited though) The Cash Reward offers: As classic but also: a. 1% money back on all your purchases in the first six months (0.5% after that). b. No 0% introductory interest rate and the annual rate is 15.9% The Comic Relief offers: As Classic but also: a. They give £5.50 to Comic Relief the first time that you use your card, as well as 0.5% of the value of all ... Read review

Advantages: Great for use abroad, extended 12 month warranty
Disadvantages: Low credit limit, no rewards, no cashback ,watch out for DCC

...on balance transfers. Currently, the Nationwide offer is ten months on balance transfers and three months on purchases. So as not to get caught out, it is generally better to use the card for either the purchases offer or the balance transfer offer and not both at the same time. I decided to use the card for a balance transfer being careful not to make any purchases on the card during the introductory period. Basically the way this works is you ...
...like all credit card companies, Nationwide hope you won't be disciplined enough to do this and incur substantial penalty fees. But if you use the card cannily, the competitiveness of the APR on the card is irrelevant as you will never pay interest. For those who are interested, the APR for the Gold card is 15.9% and 17.9% for the Classic card. To get the Gold card you need to be over 25 and earning at least £25000 a year with an excellent credit ... Read review

Advantages: Fantastic for use abroad
Disadvantages: Low Credit limits

I have been banking with Nationwide Building Society for over 15 years and have one of their credit cards as well as other financial products from them. Nationwide currently offer three credit cards all of which are Visa cards:- Classic Card (offers low interest 13.9% apr) Cash Reward (offers 1.0% for 1st 6 months then 0.5%) Comic Relief (donates an initial £5.65 and then 0.5% of all purchases) The card I currently have is the cash reward, below ...
...make cash back, and with a few trips abroad it really does shine above some of the other cards on the market. On the negative side my credit limit is not that high compared to other cards, I think Nationwide are quite responsible when giving their limits which is refreshing. ... Read review

Advantages: Low Interest rates, no points loyalty scheme, internet control option
Disadvantages: Dull card design

Apply for and use a Nationwide Visa card you will not earn free loyalty points. Huh ? Well, Nationwide have basically decided that points based loyalty schemes only benefit a few people as you need to spend large amounts to get any decent return. So what they have done is create one with damm good features and low interest rates instead. There are actually 3 options you can get - the Classic, The Comic relief Charity and the Cash Back. You can apply ...
...and electrical goods. As Nationwide account holder you can also buy your travel money commission free. There is no annual fee either. You can also manage your credit card securely over the Internet. This lets you see the balance outstanding, your transaction details and lets you pay the account (if you have a Flex account ) Because it is issued by Visa it has all the normal advantages -acceptable in thousands of places in the UK & worldwide, cash ... Read review

Advantages: Interest free credit period on balance transfers
Disadvantages: None

The Nationwide Credit Card - small piece of plastic, about 8.5cm X 5.5cm, doesn't look much, doesn't say much, but could be worth a lot to you !! Why ? How ? What's the deal ? Well there are two possible deals really - one for savers and one for borrowers. For Borrowers - (Please note - I am NOT recommending borrowing more than you can afford) Well the Nationwide allows you to carry out balance transfers onto its credit card. So, nothing new or special ...
...transfer a balance to your Nationwide Credit Card it is interest free as long as you pay it off in full by the 'Payment Due' date. So what does it mean in real terms ? Well if you are one of those who borrow on your credit card, you land up paying interest on the amount from the day of the transaction. However if you were to take out a Nationwide card as well, you can make the transaction on your original card, then, when payment is due (if your ... Read review

Advantages: Excellent Opportunities
Disadvantages: Only 1 in my local city - GRRRR!!!

...* Is your current bank charging you to use ATMs? * Does your current bank charge high interest rates for credit? * Sick of boring, dull ATM screens? * Are the staff unhelpful, unfriendly or just plain stupid? Well... its time you changed to NATIONWIDE BUILDING SOCIETY! As a building society Nationwide's main focus is YOU - the customer, not the many shareholders as with regular banks! They also offer a wide range of opportunities including: - Banking - Credit Cards - Insurance - Investments - Loans - Mortgages - Pensions - Savings Nationwide also has a 1st class online banking system which enables you to view your balance online at ANY time and transfer money between accounts - i couldn't live without it! And they also have the best ATM machines around! The user interface (screen) is very clear, graphical and easy to use... Read review

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Advantages: Excellent Internet Banking and customer service
Disadvantages: Upgrading a current account, please read review!

...in an understanding way. Interest rates and such are always changing as well as offers (if that is what the right word is) and it really pays off the check in a branch or online to see if they are offering something that you will be better off with. Nationwide is a great building society, it will be worth a visit. Here are the main offerings from Nationwide each expanding out into plenty of other categories. Internet Banking Credit Cards Insurance Investments Loans Mortgages Pensions Savings... Read review

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Advantages: An ethically lead bank.........
Disadvantages: Slow service and limited branch access......

...In general I feel that although The Co-operative bank is ethically lead, it does not have the correct resources in place to deal with customers effectively. There are not enough local branches, the online services are slow and not efficent enough and the general training of branch advisers is poor. Below I have outlined my experience withThe Co-operative bank and I hope it is helpful to those who read it. I have banked all my life with Nationwide Building Society, however I recently saw and advert for The Co-operative bank and its Credit Card. I decided that the introductory offer of 0% on balance transfers for the first 6 months was worth looking at and I filled in an online application. 4 weeks after completing the application I was rather concerned that I had not heard anything back. Had my details got to the right place... Read review

Ciao members have rated this review on average helpful