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Balance transfer credit card

  • 0% interest on balance transfers for 18 months
  • 0% interest on all purchases for 3 months
  • 24.9% APR representative (variable)

Available if you have a current account, savings account or mortgage with us.

Information:

Our credit card terms and conditions are changing from 3 February 2025. For more information, read our credit card Notice of Variation FAQs.

Our balance transfer credit card

  • Transfer a balance to this card
    0% interest for 18 months. 1.5% fee in the first 90 days, 2.4% after that. Minimum fee of £5

  • Spend in the UK and abroad with 0% interest
    Pay no interest for 3 months

  • Spend 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 charges

  • Check if you’re eligible without impacting your credit score
    Answer a few questions to check the offer we can give you before you apply

  • Control 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

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

Note:

You can’t apply if you already have a Nationwide credit card or were declined for any credit card within the last 30 days.

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.

If you had a credit card with us within the last 12 months, you won't be eligible for the introductory offer if you take out a new card.

Online

Check if you're eligible and apply through the Internet Bank. Not yet registered? Register for the Internet Bank

Over the phone

We can tell you if you're eligible over the phone and take your application if you decide to continue.

Monday to Friday, 8am to 6pm.
Saturday 9am to 1pm.
Closed Sundays and bank holidays.

UK: 0800 30 20 10
Abroad: +44 1793 65 67 89

After the introductory offers have ended

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 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. This is 1.5% in the first 90 days and 2.4% thereafter. Minimum fee of £5.

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 current or savings account with us, or a mortgage.

If you don’t have one already, take a look – we have some great options that could suit your needs.

Compare current accountsCheck savings accounts & ISAs

Nationwide adheres to The Standards of Lending Practice, which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk (opens in a new window)