Purchase and balance transfer credit card
With introductory offers of 0% interest on purchases and balance transfers for 15 months.
24.9% APR representative (variable). To apply, you need a Nationwide current account, savings account or mortgage.
Information:
On 2 April 2026, Virgin Money's business became part of Nationwide. This means balance transfers can no longer be made between Nationwide and Virgin Money credit cards.
Our purchase and balance transfer credit card
Transfer a balance to this card
0% interest for the first 15 months. 2.99% balance transfer fee. Minimum fee of £5Spend in the UK and abroad with 0% interest
Pay no interest on purchases made in the first 15 monthsSpend abroad with no fees from us
We won't charge you fees for buying things when you're abroad. Individual sellers may apply their own chargesCheck if you’re eligible without impacting your credit score
We’ll share the offer we can give you before you applyControl your card wherever you are
Use our app to see how much you've spent, how much your next payment is and when it's due, make payments and report your card lost or stolen
Check if you’re eligible and apply
We'll ask you a few questions about your living situation, income and outgoings. Based on your circumstances, we'll tell you what APR and credit limit we can offer. Checking your eligibility won't impact your credit score.
You can apply if you:
- are aged 18 or over
- are a UK resident
- earn £5,000 or more a year before tax
- have a Nationwide current account, savings account or mortgage
You should not apply if you've been declined for any credit card in the last 30 days. Applying again could affect your credit score and our decision is unlikely to change.
Note:
Apply online
Check if you're eligible and apply through the internet bank. Not yet registered? Register for the internet bank
After the introductory offers have ended
The introductory offers start from the day you open the account. When they end, you'll be charged your standard interest rate. This representative example shows the interest rate that could apply. This is the rate that we give to at least 51% of successful applicants. You could receive a different rate from the one shown and we'll confirm your rate during your application.
Representative example
24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable).
Credit card fees, charges and interest rates
We'll offer you an interest free period when you apply for the purchase and balance transfer credit card.
For balance transfers, you'll need to make a transfer within 90 days of opening your account to get the interest free rate.
You'll be charged a fee when you transfer a balance onto the credit card. If you transfer a balance within 90 days of opening your account, you'll pay 2.99% or £5, whichever is greater, on each amount you transfer.
If you transfer a balance after 90 days, you'll pay 2.4% or £5, whichever is greater, on each amount you transfer. You'll also pay 24.9% APR (variable) interest.
Purchases and balance transfers after the interest free period will be subject to your standard interest rate.
Useful links
Information about credit cards
Open a Nationwide account
To apply for our credit cards, you need to have a Nationwide current account, savings account, or mortgage.
If you don’t have one already, take a look – we have some great options that could suit your needs.
Borrowing with a credit union
If you're not eligible or have been declined for borrowing with us, you might be able to use a credit union. Credit unions don't offer credit cards, but they do offer borrowing products and other financial services to their members.
You can look for a credit union on the Association of British Credit Union's site findyourcreditunion.co.uk (opens in a new window).