Who can apply for the Nationwide Purchase and Balance Transfer Card
How to Apply for the Nationwide Purchase Card – To be eligible for the Nationwide Purchase and Balance Transfer Credit Card, you must be a UK resident aged 18 or older, earning at least £5,000 per year before tax. You must also have a current account, savings account or mortgage with Nationwide.
The card is not available to people who already have a Nationwide credit card or have been declined by them within the last 30 days. Additionally, if you’ve held a Nationwide credit card in the past 12 months, you won’t qualify for the introductory 0% interest offers again. Keep reading to learn how to apply for the Nationwide Purchase Card
When applying, you’ll go through a short eligibility check that won’t affect your credit score. The application will then ask for your financial and employment details to assess your situation and propose your specific APR and credit limit.
Required documentation
To apply for this card, gather key documents before starting. You’ll need a valid form of ID, such as a passport or UK driving license, and recent proof of your address, like a utility bill or bank statement from the last three months. Be ready to provide your income information—whether through employment or self-employment—plus details of your housing costs (mortgage or rent).
You’ll also be asked about your monthly expenses and existing debts. If you plan to transfer a balance, make sure you know the exact amounts and the source card numbers. A Nationwide account number is also required since the card is only available to existing members.
Having your mobile number and email address handy will help with account verification and digital servicing. Accuracy is critical, so double-check your inputs during the application to avoid delays. If you prepare all this in advance, the application typically takes less than 10 minutes online.
A tip for you!
Timing is key with the Nationwide Purchase and Balance Transfer Card. To fully take advantage of the 0% balance transfer offer, complete all transfers within 90 days of opening the account—this locks in the promotional rate with only a 2.99% fee.
For purchases, you’ll also benefit from 15 months interest-free, so it’s smart to plan large expenses during this period and spread out repayments without pressure. Use the app to track your spending and set alerts that help you avoid missing payments—because once the interest-free period ends, standard APR of 24.9% applies.
If you travel, use this card confidently, as Nationwide doesn’t charge foreign transaction fees. Avoid using it for cash advances, though, as these typically carry high interest and are excluded from the 0% period. Treat this card like a short-term financial strategy: with the right planning and consistent repayments, it can give you breathing room and savings at the same time.
How to Apply for the Nationwide Purchase Card?
How to Apply for the Nationwide Purchase Card – Ready to unlock interest-free spending and smarter debt management? Click the button below to begin your application for the Nationwide Purchase and Balance Transfer Credit Card. First, check your eligibility—it’s free, fast and won’t affect your credit score.