Nationwide Purchases offer credit card

Available to those who are:

- Aged 18 years or over
- Have been living in the UK for the last 12 months (includes BFPO addresses but excluding IOM and Channel Islands)
- Have a gross income each year of more than £5,000
- Are not currently declared bankrupt, subject to an IVA and you don't have any CCJs

- Please check the full criteria before applying.

About this card

Further details and how this deal compares

Nationwide is currently offering a multiple choice credit card product where new customers can choose between a purchases or a balance transfer offer.

This is the purchases choice.

0% purchases

This card offers 0% on purchases for 6 months - it's not the longest 0% purchase deal in the market by a fair stretch.

More details on the balance transfer offer can be found on the other Nationwide credit card here.

Earn use abroad

Nationwide used to be well known for offering a credit card to use abroad (Nationwide Gold).

Initially, the offer was cut down to just offering 0% in Europe and 1% was charged on purchases outside of Europe (which was the passed on charge made by Visa).

Sadly it was cut down again as part of a focus on loyalty and cardholders now have to "earn" 0% use abroad by spending in the UK.

The offer now means for each £5 spent in sterling cardholders earn the ability to spend £1 abroad without a foreign transaction fee levied.

The deal is somewhat disappointing however, especially considering there are other credit cards in the market that offer 0% on use abroad without such requirements.

Protection on fraud and purchases

The Nationwide credit card no longer offers any particularly stand out benefits on purchases - they have in the past been one of few issuers to offer extended warranties on electrical appliances for example.

Nationwide do continue to offer some additional fraud services, such as active fraud monitoring, a fraud guarantee and access to Verified by Visa (3D secure) for safer online shopping with participating websites.

These services are found on most credit cards however.

Cardholders will be protected under Section 75 and Nationwide does subscribe to The Lending Code - which offers cardholders certain rights such as maximum liabilities for fraud.

Section 75 in itself offers a very powerful level of protection against breaches of contract on newly purchased items and services, including when suppliers go out of business and become unable to fulfil an order or service provision.

The legislation holds the credit card company equally liable - so cardholders have another option for recourse when things go wrong and aren't resolvable with the supplier.

It even covers goods and services purchased abroad.

Again though this is a blanket service offered by law on any credit product provided under the Consumer Credit Act.

All in all

All in all the latest Nationwide credit card is a somewhat disappointing product from a building society that likes to advertise itself as offering more.

The credit card market currently has deals which surpass this offer on both use abroad and 0% purchases.

Visit the Nationwide website for more »

Interest rates

Fees and charges

Repayment details

Rewards and discounts

Cardholder services

	Offered	Additional
Online account management		-
Fraud Guarantee		Nationwide will not hold you liable for transactions made without your permission as long as you acted with reasonable care and notify Nationwide.
Fraud Monitoring		Nationwide will actively monitor your account for any suspicious activity and get in touch with you to confirm any transactions they think might be fraudulent.
Identity Protection		-
Credit Report Access		-
3D Secure		Verified by Visa An extra layer of security when shopping online. Register and set up a password-protected identity-check when you shop online with participating online retailers.
Contactless Payments		-
Purchase Protection Insurance		-
Purchase Delivery Insurance		-
Travel Insurance		-
Travel Accident Insurance		-
Travel Inconvenience Insurance		-
Assistance Abroad		-
Emergency Card Replacement		-