Nationwide Member Credit Card Review 2026

Details checked Aug 2026Got this card? Leave a review

Rep. APR

24.9%

Variable

Annual fee

£0

Spending abroad

Free

No foreign transaction fees

Lounge access

Not included

How you earn

No cashback or points — commission-free purchases abroad.

Opening offer

Choice of balance-transfer or all-rounder 0% offers (check current terms).

Using it abroad

No fee on purchases abroad.

2.5% cash fee (min £3) on foreign cash withdrawals with interest from the withdrawal date. Distinct from FlexAccount debit (which charges ~2.99%).
Converts at the Visa exchange rate.

See today's live travel money rates

Who can apply

Must hold a Nationwide current account, savings account, or mortgage to apply.

Nationwide membership required.

Our Expert Opinion on Nationwide Member Credit Card

The Nationwide Member Credit Card is worth a look if you spend abroad regularly, as it uses Visa and sits at the best rate we've measured, with practically nothing off the real exchange rate on purchases. There are no rewards on spending, but the 24.9% APR is cheaper to borrow on than most, against a typical fee-free card at 27.90%. The catch is that you must already hold a Nationwide current account, savings account, or mortgage to apply. I would also watch out for the 2.5% fee (minimum £3) on foreign cash withdrawals, which accrues interest from the withdrawal date.
Jan Watermann (Co-Founder)DepositScout

Compare Travel Cards

Guides featuring Nationwide

The Best UK Savings Rates for September 2026

Four 8% regular savers, 5% fixed bonds, Premium Bonds' rise to 4.35% and the top easy access and cash ISAs.

Basic Bank Accounts: Your Legal Right to an Account

Nine UK banks are legally required to offer you a free basic account — even with bad credit.

Regular Savers: Get One, Just Don't Mistake It for a Savings Account

Santander has just launched a market-leading 8% Regular Saver, but before you rush to open it, read this first.

Should Revolut Be Your Main Bank in 2026?

Revolut is now a fully licensed UK bank, which changes the conversation around using it as your main account.

Best & Worst Premium Bank Accounts for Insurance in the UK (2026)

Packaged bank accounts can be great value — but only if the insurance is genuinely strong. Here’s how the UK’s top premium accounts compare in 2026.

Nationwide vs Chase UK: Which Bank Pays You More in 2026?

Digital banks once dominated UK banking, but in 2026 the gap has narrowed. We compare Nationwide and Chase UK on savings rates, rewards, and real-world banking to see which one actually pays you more.