The Nationwide Member Credit Card offers customers two valuable options. You can choose between 0% interest on purchases and balance transfers for 15 months or 0% interest on balance transfers for an extended period of 30 months, plus a shorter three-month 0% on purchases. The card features a representative APR of 24.9% (variable), and a typical credit limit of £1,200. It’s available exclusively for Nationwide members with a savings, current account, or mortgage.

How to Apply: Step by Step

1. Check if you’re an existing Nationwide member
2. Review your eligibility for the credit card
3. Gather your address, income, and employment info
4. Complete the online application form
5. Wait for the approval decision and receive your card

The Main Pros

Both introductory offers mean significant potential savings, whether you’re reducing existing debt or spreading the cost of new purchases. A standout benefit is a lengthy 30-month 0% balance transfer period, great for repaying credit at no interest.

In addition, all eligible spending between £100 and £30,000 comes with added protection, which can provide peace of mind during major purchases and online shopping.

A Couple of Cons

The competitive offers are only available if you already have another Nationwide product, limiting newcomers. Additionally, after the introductory period, the variable 24.9% APR quickly applies to unpaid balances.

Cash withdrawals and late payments may incur fees, which means this card is best for responsible users who manage payments proactively each month.

Final Verdict

The Nationwide Member Credit Card provides impressive flexibility and savings opportunities for eligible UK customers. Its combination of strong 0% offers can suit either balance consolidation or new purchases. Just bear in mind the membership condition and standard APR after the offer ends.