Nationwide Building Society Best Credit Card Ever - 0.75% fee and 0% balance transfer for 26 months!
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Nationwide Building Society Best Credit Card Ever - 0.75% fee and 0% balance transfer for 26 months!

89
Found 20th Feb 2014
0.75% fee and 0% balance transfer for 26 months! Moneysupermarket.com calling it best credit card ever.

Select Credit Card (for Nationwide current account holders):

Special Offer: Our lowest ever balance transfer fee - just 0.75% (minimum £5)
This is a limited time offer, available until 31st March 2014. Nationwide reserves the right to withdraw this offer at any time.
0% on purchases for 15 months
Cashback: 0.5% unlimited cashback on all your sterling purchases.

Nationwide Credit Card:

Special Offer: Our lowest ever balance transfer fee - only 0.75% (minimum £5).
This is a limited time offer, available until 31st March 2014. Nationwide reserves the right to withdraw this offer at any time.
0% on purchases for 3 months
Our Fraud Guarantee for 24/7 card protection.

Don't forget to get a Meerkat if you want one: comparethemarket.com/cre…fer
- littleterror

Also if apply through MoneyExpert.com you will even make a profit if you transfer up to £3333 for 26 month 0% interest with their £25 cashback. So if you transfer £1000 will cost you only £7.50 in BT fee but you got £25 cashback, leaves you with a profit of £17.50!!, and transfer:
2k and you make a £10 profit
3k profits you £2.50
4k cost you only a £5
5k cost you only £12.50. etc.

'Golden rules': ( WITH ALL CREDIT CARDS )

1- Make sure you don't miss at least the minimum payment every month (set a Direct Debit for peace of mind),
2- never spend more than your available credit (normally 95% of your credit limit) otherwise you will lose the 0% offer.
3- pay in full or transfer the remaining balance at the end of the 26 month, (a reminder in your mobile or diary is advisable), otherwise interest jumps to 17.9% Variable .
- Amerviv

89 Comments

Looks amazing

Sounds good - thank you

Not saying it's not good - I have an NW card and they're good.

But to call it "Best Ever" is tosh. A few years ago, virtually ALL Visa / MCard credit cards were free, and virtually ALL did free balance transfers.

Moneysupermarket.com don't have a clue.

I don't recall a time when ANY cards did free balance transfers, yet alone all of them...

I do agree with you though - this is only a good deal for people who are in debt. If you're not there are much better cards out there.

callum9999

I don't recall a time when ANY cards did free balance transfers, yet … I don't recall a time when ANY cards did free balance transfers, yet alone all of them...I do agree with you though - this is only a good deal for people who are in debt. If you're not there are much better cards out there.

you must have short memory then, as they all did, which is where card tarting came from.

MBNA was king, then they all started charging a fee.

0.75% is brilliant! had I not just 3 days ago took out a Lloyd's TSB 0.8% card only 15 months too, :-(

Good deal.
Yes I remember the fee free BTs too.

Great deal.

Original Poster

Quadrille

Not saying it's not good - I have an NW card and they're good.But to call … Not saying it's not good - I have an NW card and they're good.But to call it "Best Ever" is tosh. A few years ago, virtually ALL Visa / MCard credit cards were free, and virtually ALL did free balance transfers.Moneysupermarket.com don't have a clue.



Not for 26 months though.

Original Poster

From moneysavingexpert:

The Nationwide* balance transfer card is the longest low-fee 0% available, offering new customers 26 months 0% with just a 0.75% fee. It beats other low-fee options available thanks to a lengthy 0%, and can be cheaper than even the longer-term options above.

callum9999

I don't recall a time when ANY cards did free balance transfers, yet … I don't recall a time when ANY cards did free balance transfers, yet alone all of them....



Best line I have ever seem on here...before you downloaded music you used to buy a record from record shops, there used to be only 1 tv channel, then 2, then 3 and wow was it amazing when there was 4, phones used to only be in the house or a box at the end of the street, there was a time when there wasn't iPads or even computers, or the internet, or coffee shops and you will like this one there was a time when we didn't use the same money we use now and once upon a time we even a pound note not a coin....you didn't have to use seat belts in cars, only the rich went on holidays, never mind getting a cheap flight to go somewhere for the weekend. Wow could be here all night :):)

shame the credit limit is sooooooooooooo low still hot though

eslick

Best line I have ever seem on here...before you downloaded music you used … Best line I have ever seem on here...before you downloaded music you used to buy a record from record shops, there used to be only 1 tv channel, then 2, then 3 and wow was it amazing when there was 4, phones used to only be in the house or a box at the end of the street, there was a time when there wasn't iPads or even computers, or the internet, or coffee shops and you will like this one there was a time when we didn't use the same money we use now and once upon a time we even a pound note not a coin....you didn't have to use seat belts in cars, only the rich went on holidays, never mind getting a cheap flight to go somewhere for the weekend. Wow could be here all night :):)



Luxury. I remember a time when you had to book ahead to make a transatlantic call, and there wasn't a phonebox that could handle it (Press button B!). You had to get the grocer to let you use their phone, as practically no private person had one, at least not in my little village in Wales.

callum9999

I don't recall a time when ANY cards did free balance transfers, yet … I don't recall a time when ANY cards did free balance transfers, yet alone all of them...



You must be very young!

Early 90s, everyone used to swap cards every three months to get no-fee transfers with 12 months interest free.

Thyem was the days, lad, them was the days.

And my local cinema STILL has the front six rows with1/9 moulded into the ironwork.

its the best deal at the moment. but only for those with nationwide bank account. Voted hot

callum9999

I don't recall a time when ANY cards did free balance transfers, yet … I don't recall a time when ANY cards did free balance transfers, yet alone all of them...I do agree with you though - this is only a good deal for people who are in debt. If you're not there are much better cards out there.



Yes, I also concur with others, free balance transfers were available once upon a time.

You've waited over 4 years since posting a deal, I guess you've been waiting on that 1000degree deal ?

Nows your chance on that 'better card out there'......

Quadrille

You must be very young!Early 90s, everyone used to swap cards every three … You must be very young!Early 90s, everyone used to swap cards every three months to get no-fee transfers with 12 months interest free.Thyem was the days, lad, them was the days.And my local cinema STILL has the front six rows with1/9 moulded into the ironwork.



And MBNA gave free cash withdrawals at 0% so we had £6k x 2 stashed in the bank earning 4-5%. then just moved around the 0% BT cards for a few years. Interest paid for a wee holiday each year. Agree thyem was the days.

bokul

its the best deal at the moment. but only for those with nationwide bank … its the best deal at the moment. but only for those with nationwide bank account. Voted hot



Not sure where it says this (I know the op description does) but on the Nationwide website it makes no mention of this. I am not a Nationwide customer and have applied and been accepted for £3500. At no point did it ask for a nationwide account so certainly seems to be open to anyone.

john_mac83

Not sure where it says this (I know the op description does) but on the … Not sure where it says this (I know the op description does) but on the Nationwide website it makes no mention of this. I am not a Nationwide customer and have applied and been accepted for £3500. At no point did it ask for a nationwide account so certainly seems to be open to anyone.



Scratch that - if you want the 15months on purchases and 26months B/T you need to be a customer. I just wanted the 26months for balance transfer and for that you do not need to be with nationwide (or just the 15months on purchases) - they are doing 2 separate cards (should have read the op description closer)

Edited by: "john_mac83" 20th Feb 2014

4500 transferred, splendid. Thanks OP!

Original Poster

jcooper

4500 transferred, splendid. Thanks OP!



Glad it's been of use.

Banned

eslick

Best line I have ever seem on here...before you downloaded music you used … Best line I have ever seem on here...before you downloaded music you used to buy a record from record shops, there used to be only 1 tv channel, then 2, then 3 and wow was it amazing when there was 4, phones used to only be in the house or a box at the end of the street, there was a time when there wasn't iPads or even computers, or the internet, or coffee shops and you will like this one there was a time when we didn't use the same money we use now and once upon a time we even a pound note not a coin....you didn't have to use seat belts in cars, only the rich went on holidays, never mind getting a cheap flight to go somewhere for the weekend. Wow could be here all night :):)



Cassettes in the ol' walkman. Betamax tapes, best home computer was a spectrum or a c64.

weeeee

Quadrille

You must be very young!Early 90s, everyone used to swap cards every three … You must be very young!Early 90s, everyone used to swap cards every three months to get no-fee transfers with 12 months interest free.Thyem was the days, lad, them was the days.And my local cinema STILL has the front six rows with1/9 moulded into the ironwork.



Yes I am young, but the early 90s was 24 years ago! Not exactly what I'd call "a few" years ago - but maybe my perspective on how many years constitutes "a few" will change when I'm older!

eslick

Best line I have ever seem on here...before you downloaded music you used … Best line I have ever seem on here...before you downloaded music you used to buy a record from record shops, there used to be only 1 tv channel, then 2, then 3 and wow was it amazing when there was 4, phones used to only be in the house or a box at the end of the street, there was a time when there wasn't iPads or even computers, or the internet, or coffee shops and you will like this one there was a time when we didn't use the same money we use now and once upon a time we even a pound note not a coin....you didn't have to use seat belts in cars, only the rich went on holidays, never mind getting a cheap flight to go somewhere for the weekend. Wow could be here all night :):)



I don't really see what that has to do with anything?

thats right get further and further in debt! These banks rely on ppl not being able to pay back on time and each time you transfer the debt gets bigger. Ultimately it will have to be paid back. Best to concentrate on paying off these accounts and living within your means thereafter. you will get a better nights sleep when you have no debt worries.

Calum9999 have you been living in a cave.

They were nearly all 0%. For 6 years i moved a 3000 car deposit across 12 cards. Did this for 3 years before that idea stealing muppet announced it as his own idea on his moneysavingnotsoexpert site.

Then the cc companies stopped 0% so i paid it off

Ha they offered me £500 so cancelled it thats no bloody use to me at all

Original Poster

justicesj

thats right get further and further in debt! These banks rely on ppl not … thats right get further and further in debt! These banks rely on ppl not being able to pay back on time and each time you transfer the debt gets bigger. Ultimately it will have to be paid back. Best to concentrate on paying off these accounts and living within your means thereafter. you will get a better nights sleep when you have no debt worries.



Concentrate on paying off these accounts... by paying less interest.

Commenting purely so as to follow the thread, as I can't follow on the app.

Ahem. Scuse me

Those were the days. Super balance transfer the cash into your bank account and rake in the interest.

pablomozza

shame the credit limit is sooooooooooooo low still hot though



it's depends on your credit level

callum9999

[quote=Quadrille] [quote=callum9999] I don't really see what that has to … [quote=Quadrille] [quote=callum9999] I don't really see what that has to do with anything?



Ah the youth of today it's called humour you said you didn't recall a time so us "oldie" are just reminding you

Oh and 1994 seems just like last week, probably only 5 or 6 years ago since they started to charge but bet that gets everyone arguing when it was anyway as an oldie it must be past my bed time

And now I see how many smiley faces I added I feel really old

Edited by: "eslick" 20th Feb 2014

alex_uk

it's depends on your credit level



well my credit level is top notch so blows that theory out of the water

Just gone through application online and result.......

Please apply again when system restores at 6am!!.......Typical

pablomozza

well my credit level is top notch so blows that theory out of the water



It may be what you consider to be top notch, but that clearly isn't what nationwide view it to be!

eslick

Ah the youth of today it's called humour you said you didn't recall … Ah the youth of today it's called humour you said you didn't recall a time so us "oldie" are just reminding you Oh and 1994 seems just like last week, probably only 5 or 6 years ago since they started to charge but bet that gets everyone arguing when it was anyway as an oldie it must be past my bed time :)And now I see how many smiley faces I added I feel really old



Fair enough. We all have a different sense of humour after all - it just seemed to be a random list of what happened in the past to me! (And yes, I remember some of them!)

callum9999

I don't recall a time when ANY cards did free balance transfers, yet … I don't recall a time when ANY cards did free balance transfers, yet alone all of them...I do agree with you though - this is only a good deal for people who are in debt. If you're not there are much better cards out there.

visa and Mastercard and others have covered the entire market with the best deals for every type of customer. If you use the wrong card, of course there are better cards, that's stating the obvious.
These deals are to make more money for credit card companies but they do throw you back some scraps to sweeten you. Nationwide are good though.

Quadrille

Not saying it's not good - I have an NW card and they're good.But to call … Not saying it's not good - I have an NW card and they're good.But to call it "Best Ever" is tosh. A few years ago, virtually ALL Visa / MCard credit cards were free, and virtually ALL did free balance transfers.Moneysupermarket.com don't have a clue.

Though balance transfers were free for a very long time. I don't recall them being any where near as long as 26 months free. Also in the past credit card companies also used your repayment to pay the cheapest rate debt first. Moreover there is 0% on 15 months purchases and 0.5% cash back. So mathematically this could well be best deal ever. And Nationwide is a mutual and is more ethical than most.

andynicol

Yes, I also concur with others, free balance transfers were available … Yes, I also concur with others, free balance transfers were available once upon a time.You've waited over 4 years since posting a deal, I guess you've been waiting on that 1000degree deal ?Nows your chance on that 'better card out there'......



oooo...you got him there *sarcasm*

Would this help my -£2000 credit card debt
(Currently natwest credit card)

seems pretty good - I got my first credit card with tesco 18 months 0% but that's due to end soon

Hmmm. I have a Tesco CC sitting dormant (0% Purchases used to paid for NZ Trip) and paid off.... I wonder if this would match this. If not, I could always cancel it and switch... i wonder if my "Barclaycard World Mastercard" (Former Egg Card) will still work as a mule.

I have about 3.5K of Student loan this would pay off nicely (but would only save me the 1.5% interest they charge).

willyzippy89

Would this help my -£2000 credit card debt (Currently natwest credit card)



Depends what you do with it. If you transfer your ~£2,000 balance over to this card and split the balance over 26 months, that's £76.92. So long as you can pay at least that amount every month (not strictly, but to clear the balance by the end of the period), you'll have cleared that debt by only paying the upfront 0.75% fee (£15 for £2,000).
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