Know the Benefits and How to Request the Nationwide Credit Card

Many banks offer credit cards that may not be the right fit for you. Sometimes, they can even be detrimental to your overall credit score and can be an added inconvenience for you. This comes especially for credit cards with high-interest rates and is quite stingy on the benefits.

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Nationwide Bank aims to save its customers from these unnecessary hassles by providing them with the most attractive credit card options. With competitive rates and zero foreign transaction charges, the card is one of the most well-rounded cards that you can find.

Using the Nationwide credit card will also help you streamline your finances, thus allowing you to thrive financially. If you are looking to explore a better credit card option, read down below on how you can request a Nationwide credit card and find out what are the benefits of signing up for one.

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  • A Rare Triple Layer of Benefits Not Seen By Many Other Credit Cards
  • Choose From Two Different Introductory Offers With the Nationwide Credit Card
  • Get to Know More About the Interests and Other Charges
  • How to Know If You’re Eligible for the Nationwide Credit Card
  • Managing Your Nationwide Credit Card

A Rare Triple Layer of Benefits Not Seen By Many Other Credit Cards

Not a lot of credit cards offer as many benefits and features as the Nationwide credit card. Most credit card companies often limit their benefits to first-time users but not with this company.

Image Source: The Guardian

The Nationwide credit card immediately offers a rare triple layer of benefits that is not seen by many other credit cards. 

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First, you have zero interest on balance transfers which is already a good deal. For a limited period, you also have zero interest in purchases made on your card. This alone makes the credit card a must-have. 

The days of worrying about your budget are over, especially when you’re still getting used to living with a credit card. Lastly, there are zero foreign transaction charges.

The Leading Travel Credit Card Today

With zero foreign transaction charges, not only will you be able to enjoy dining and traveling abroad, but you will also save a lot of money when you pay your bills. 

This feature alone makes the Nationwide credit card the leading travel credit card that you should own today. If you’re fond of traveling abroad and you want to have a credit card that you can use anytime, choose this card. 

You can easily swipe it to book your flight and hotel or even simply use it to purchase your next souvenir. Do you want to wine and dine while you’re on a vacation? This is the credit card for you.

Also Read: Lloyds Credit Card: Pros and Cons and How to Apply

Choose From Two Different Introductory Offers With the Nationwide Credit Card

Nationwide provides two introductory offers for those who sign up for their credit card. 

Image Source: Accepted Credit Card UK

Let’s discuss the first one, which is called the Balance Transfer Offer, which features zero percent on balance transfers for the next 18 months and zero percent on purchases for the next three months. 

The balance transfer starts when you transfer the borrowing on the member credit card, and the transfer should be made within 90 days of opening the account to activate the zero percent rate

After the 90-day period, the standard interest rates, which can be found below, will begin.

You Might Want to Check Out the All Rounder Offer

All Rounder Offer is another introductory offer that is geared towards cardholders who want to have the flexibility needed to make purchases.

If you are planning on making purchases with your credit card, this is the right offer for you. You will have 15 months to pay for your purchase, and there are no fees incurred for purchases made abroad.

You can even spread the repayments across the board or however long it suits you. Simply ensure you pay the minimum amount due each month, as long as it’s on time.

Get to Know More About the Interest and Other Charges

A credit card wouldn’t be a credit card if there isn’t any interest or any other charges. If you’re a newbie, it is important that you acquaint yourself with the necessary interest rates and other charges before you sign up for one. 

With a Nationwide credit card, you have a zero percent interest rate for the initial period offer. You will then get an interest rate ranging from 15.9% to 19.9% every year, depending on your profile after you’re done with the initial zero interest period. 

As for cash advance charges, it is either 2.5% of the amount or £3, whichever is greater. Late payment charges can get as high as £12. 

Lastly, there is no balance transfer fee after the first three months of your account opening. After this period, the balance transfer fee is 1.5% of the amount or £5, whichever is more. Afterward, it is 2.4% of the amount or £5, whichever is more.

Here Are Even More Benefits You Get When You Sign Up for Nationwide Credit Card

Most people often have problems dealing with late payments or having an over-limit fee with their credit cards. Nationwide understands your concern, so they have come up with even more benefits when you sign up for their credit card. 

First, there’s no need to worry about an annual fee since the bank has already waived it for you. Next, if you do lose your card, the bank has got you covered, and you won’t be paying any card replacement fee. 

You also don’t have to worry about any over-limit fees. There is also no foreign currency conversion fee which truly makes it the most ideal travel credit card that you can have.

How to Know If You’re Eligible for the Nationwide Credit Card

Nationwide credit card is only available to those who are residents of the United Kingdom.

Image Source: The Western Telegraph

You should be 18 years of age to become a Nationwide cardholder, and you need to have a current, savings, or mortgage account with the bank as part of the prerequisite requirements.

You will also need to have a minimum annual income of £5,000 from different sources for you to be eligible for the application. Remember that this is only for the application process and is still subject to approval.

If you already have a Nationwide card within a 12-month period, you are automatically not eligible to receive a new card. Lastly, you will need to have three years of residential status within the UK for you to be eligible to apply.

The Application Process 

The biggest advantage when it comes to the application process is that it can be done entirely online. All you need to do is to visit the official Nationwide Bank website and check out the credit cards section. 

You can then choose the New Member Credit Card option in the section where you can find the Apply button. Click on the button to begin the application process. Fill up the necessary information such as your personal details, your income, address, and many other documents.

Be prepared to submit more documents if the bank does require more from you. You will need to wait first before you are notified if you’re approved. For those who are approved, your card will be sent to the address you submitted within 10 to 15 working days.

Managing Your Nationwide Credit Card

For first-time cardholders, managing your Nationwide credit card can be a bit challenging. Here’s how you can manage your credit card without sacrificing your credit score. 

First, stay in control of your spending by avoiding exceeding your credit limit. You can always check your credit limit through the app or on the website. You can also enable free text alerts that will provide updates on your current limit and other promotions. 

You’ll receive notifications if your introductory offer is about to end so you can prepare accordingly. You can also request a refund if you’ve paid for goods or services between £100 and £30,000 and something goes wrong.

Lastly, you can finally make payments online, which makes it more convenient for you, so you get to pay on time.

Where to Contact The Bank

Doo you have more inquiries regarding the credit card or you simply want to talk to their representative to guide you through the application process? You can go to their main branch at Nationwide Building Society, Nationwide House, Pipers Way Swindon, SN38 1NW. 

You may also contact them by phone at 0345 600 66 11 in the UK and +44 2476 43 89 97 if you are outside of the UK.

The lines are available Monday through Saturday from 8 am to 8 pm and Sunday from 9 am to 5 pm.

Conclusion

UK residents can receive the benefits of a credit card by simply signing up for the Nationwide credit card. You don’t need to look elsewhere for all your credit needs. They have different offers that cover your financial needs and, at the same time, help you enjoy life through travel and entertainment.

Disclaimer: Applying for and using credit products involves risks. Be sure to review the bank’s terms and conditions before making any commitments.

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