When we think of credit cards, we always have to consider the annual fees and other charges we incur and pay for. A long and complicated application process can take weeks and sometimes months to get approval.
These are just some of the reasons why many people are apprehensive about getting a credit card. However, one credit card stands out as an option designed to cater to the needs of every individual. With its range of benefits, affordable interest rates, and features, the Nationwide Credit Card is the perfect credit card for your needs.
Find out about the Nationwide Credit Card, its features and benefits, and how to apply.
Nationwide Credit Card Key Highlights and Benefits
The Nationwide Credit Card holds a lot of value for the average individual due to its many benefits and features.
It is one of the only credit cards that provide two different introductory offers for its members and the only credit card with the longest introductory period.
Check out what's in store for you with the Nationwide Credit Card.
Two Introductory Offers
Nationwide members who want to apply for the Nationwide Credit Card can choose from two different introductory offers depending on their needs. You can choose between the Balance Transfer Offer or the Rounder Offer.
Both have significant benefits that can help you save on interest but also depend on the kind of transactions you want to use the card for. The Balance Transfer Offer lets you transfer your other balances to one card and streamline your debt so you can pay it off easily.
The All Rounder Offer makes it very convenient for you to make large purchases while giving you enough time to pay for them without incurring a high interest.
Commission-Free Purchases
The Nationwide Member Credit Card also offers commission-free transactions which means you don't have to incur a large amount of fees and other charges when you use the card for transactions abroad.
This is the perfect and the most ideal credit card for travelers who want to spend during the holidays. This also lets you get more out of your credit card without having to pay more on your statement at the end of the month.
Be sure to check the list of partner establishments first before you use the card abroad.
No Annual Fee for Life
Members of the Nationwide Bank who have this credit card can enjoy having no annual fee for the rest of their lives.
You will never have to worry about paying extra fees just to maintain the card and be able to use it.
With its well-rounded offers and zero annual fee, you get the most value out of using this credit card than many others.
Check to See If You're Eligible
One of the best features of the Nationwide Bank Credit Card is its eligibility checker. If you're already a member and you want to know if you are eligible for the credit card, you can use the eligibility checker without any worries.
You can check if you are accepted without impacting your credit report. Most credit eligibility checkers greatly reduce your credit score upon checking, but in this case, the entire process is worry-free.
Interest Rates and Other Charges
The Balance Transfer Offer offers 0% interest on balance transfers for the next 18 months and 0% interest on purchases for the next 3 months.
The All Rounder Offer has a 0% interest rate on balance transfers for 15 months but has a 0% interest on purchases for 15 months as well.
After the promo period, the interest rate will revert to a 24.9% variable APR for purchases and balance transfers.
Contact Details
If you have inquiries about the application process or the credit card, you can contact them through their hotline using the number - 0800 055 66 22 or +44 1793 65 67 89 if you are outside of the UK.
You can also visit their main office located at Nationwide House, Pipers Way, Swindon, England, SN381NW.
How to Apply for the Nationwide Bank Credit Card
To apply for the Nationwide Credit Card, there are certain steps that you need to follow especially if you want to apply online.
The online application process is easy to follow and far more convenient than applying personally. Check out the entire application process below.
Learn the Qualifications
You must be at least 18 years old to apply for the credit card. Applicants must also be a resident of the United Kingdom to be eligible.
You must have a minimum income of £5,000 a year before tax so you can apply.
Lastly, you need to be a member of Nationwide first by opening an account. This can either be a current account, a mortgage, or a savings account from the bank.
Use the Eligibility Checker
After that, you should use the eligibility checker to see if you are accepted to apply for the card.
This can help you save a lot of your precious time, knowing if you are eligible for the card or not. It will only take a few minutes to know the results, so go ahead and use this option before you apply.
Sending Your Application
Once you are eligible to apply for the card, click on Apply and fill out the online application form with your details.
Provide the most accurate information as possible and do not forget to review the entire application form for spelling errors.
You must also check out the terms and conditions before you submit your online application form.
Waiting for Approval
You can check your email for the approval notification after a few days. Some applications might take a while longer than others due to their strict application process, but once approved, your new credit card will be delivered to you within several weeks.
Conclusion
The Nationwide Member Credit Card is used to provide financial options for those who have different credit card needs. With these varying offers and an amazing list of features and benefits, the credit card is a very attractive option for members who are looking to get their finances checked and managed properly.
Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.
