✅ 0% interest on all purchases for the first 15 months
✅ 0% interest on balance transfers for 15 months (2.99% fee)
✅ Spend abroad with no fees from Nationwide
✅ Control your card and payments easily via the mobile app
Why the Utua team recommends the Nationwide Purchase and Balance Transfer Card
The Nationwide Purchase and Balance Transfer Card is a versatile solution that serves two financial needs in one: buying now and paying off old debt. At Utua, we often see customers juggling multiple cards—this one simplifies things by offering 15 months of 0% interest both on new purchases and balance transfers.
That means you can fund important purchases, manage everyday spending, or consolidate existing debt—all with zero interest pressure for over a year. The balance transfer fee is a flat 2.99% (minimum £5), which is reasonable for such an extensive interest-free window. Another unique advantage is no foreign transaction fees charged by Nationwide, making it ideal even for occasional travel.
Author’s opinion
As a credit analyst, I see a lot of cards that do one thing well—some for purchases, others for transfers—but the Nationwide Purchase and Balance Transfer Credit Card delivers on both fronts. If you’ve got a big purchase coming up or you need to pay down older debt, this card gives you the space to do so with 15 months of 0% interest.
That’s a huge win when you’re looking to improve your financial health. What I also admire is the practicality: the 2.99% transfer fee is clear, the eligibility criteria are transparent, and there’s no Nationwide fee for using the card abroad. Not all cards can promise that. It’s a strong, well-balanced choice for Nationwide members who want flexibility without surprises.
Want to know more about the card?
Click the button below to discover all the features of the Nationwide Purchase and Balance Transfer Card. You’ll learn how to benefit from the 15-month interest-free periods, how the balance transfer fee works, and how to apply.