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Apply online for a FREE Nationwide Gold Credit Card

"It just takes a minute to complete and submit
your Nationwide Gold Visa Card application"

You could save £225* with Nationwide
We've looked at how our average new Gold credit card customer uses their card and through our positive order of payments you could save £225*.
UK Secure Online Application Safe and secure online application with SSL encryption technology.
Get your Nationwide Gold Card and take control of your money plus enjoy exciting cash back today!
WARNING : The card issuer may STOP card offers and promotions without notice. Grab the card of your choice while it last.
For detailed card information or to apply, click on the link next to the card of your choice and a new window will be opened for you.
Nationwide Gold Credit Card
 
Nationwide Gold Credit Card The Nationwide Gold card offers a great range of benefits:
  • 0% p.a. for 15 months from account opening on balances transferred in the first 3 months(3% handling fee, minimum £5.00 is payable on each balance transfer)
  • 0% p.a. on all new purchases for 3 months
  • Commission free purchases abroad
  • Up to 56 days interest-free credit
  • Free purchase cover for loss, theft or damage to most purchases over £50
  • free 12 month extended warranty on many gas or electrical products
  • Peace of mind for all cardholders with Nationwide Fraud Watch
  • Representative 16.9% APR variable
  • No annual fee
A Gold card is most likely to be suitable if you are aged 25 or over, have an annual income of £25,000 or more, and have an excellent credit history.

Intro APR Intro Period Annual Fee
0% 15 Months None
Offer Ended
 

Order of Payments

You could save £225* in the first year
A Nationwide credit card offers you many great benefits including free-insurances and commission-free purchases abroad**, however our credit card also offers a positive order of payments, which means you could pay less in interest.

What does Order of Payments mean?
Order of Payments (or OOPs) relates to the way credit card providers allocate your payments towards your credit card bill. Different credit card transactions are charged at different interest rates. For example at Nationwide -
  • Introductory purchase and balance transfer offers are charged at 0%
  • Ongoing purchases and balance transfers are charged at 16.9% APR typical
  • Cash advances are charged at 27.9%
When a Nationwide credit card customer makes a payment to their credit card we, unlike most other credit card providers pay off the debt being charged at the highest interest rate, before that charged at a lower interest rate. We pay off -
  • Cash advances charged at 27.9%; before
  • purchases and balance transfers at 16.9% APR typical; before
  • introductory purchase and balance transfer offers at 0%
However, most competitors allocate payments in the opposite way -
  • Introductory purchase and balance transfer offers at 0%; before
  • purchases and balance transfers at various interest rates; before
  • cash advances
So, if you have a competitor's card, with a 0% balance transfer and have made a cash advance, when you pay your bill, the payment may go towards paying off the 0% balance transfer before the cash advance and therefore the cash advance will continue to be charged interest at the highest interest rate.

* Saving is based on new Gold Card holder over 12 months, transferring £2,240 in month 1, making £295 of new purchases each month, withdrawing £60 in months 1 and 7, and making monthly repayments of £330 (with our positive order of payments compared to a negative order of payments). Breakdown of usage based on average Nationwide Gold Card active customer usage January 2009 – February 2010. The average £2,240 transfer is based on customers using this service.

** We pass on a Visa charge for foreign transactions.


Protection

Payment Protection Insurance (PPI)
When borrowing on your credit card you should consider your ability to maintain the monthly repayments. Nationwide does not currently sell Payment Protection Insurance to cover your repayments in the event of unemployment, accident or sickness. However, there are products in the market that will do this and insurers who sell this cover.

Card Protection
For just £29 per year you can protect all cards for up to five members of your household, against theft and loss with Card Protection. This cover enables you to cancel all your credit, debit and store cards and order replacements immediately, with just one phone call. This service is also offered over a three-year period for just £70.

Foreign Transactions

Purchases and cash machine withdrawals
If you carry out a transaction using your card in a currency other than sterling, it will be converted to sterling on the day the transaction is processed by our card scheme providers at a wholesale rate of exchange, which may vary daily. For an indication of that exchange rate, you can see the Visa wholesale rate of exchange at www.visaeurope.com/fxcalculator. This is an "indication" because transactions are processed when the retailer passes them on to the scheme provider, which is generally not on the same day the transaction took place.

Third party charges
Nationwide continues to offer "commission-free" foreign transactions.

"Commission-free" means that we do not add any additional charges for exchanging currency which are designed to generate profit for the Society. We do, however, pass on any fee we incur from our card scheme providers for processing transactions in certain currencies (generally those outside of the European Economic Area and Turkey and Israel) other than sterling.

The fee is currently 1.00% and it will be included in the sterling amount shown on your statement.

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