It is always important to have a reliable source of money when you're traveling abroad. You don't know when you'll need money to make certain transactions. This is why a reliable credit card is needed, especially one that is perfect for travelers.
The Nationwide Credit Card offers one of the most reliable options for travelers to use abroad. Not only does it have the best introductory offers, but it also has zero annual fees, and better yet, you won't be charged any fee if you use the card overseas.
If you're interested in learning more about the Nationwide Member Credit Card, find out below why it is the perfect partner for travelers.
Using the Nationwide Credit Card Abroad
Many people usually do not pull out their credit cards when they are abroad. Not only is it costly to do so with all the fees involved, but it can also become quite a hassle if you encounter certain issues.
With the Nationwide Credit Card, you do not have to worry about any charges at all. This credit card will never charge you any kind of fee for using the card to buy things when you are abroad.
Use the card at your discretion whether you want to pay the bill at the restaurant or you want to shop at the local souvenir stores.
The Nationwide Member Credit Card also does not have any annual fee, so you won't be charged for a monthly or yearly membership fee just for having the card.
Interest Rates and Other Charges
Having the Nationwide Credit Card means that you do not have to deal with a lot of fees and extra charges. After the introductory interest-free period, you will be charged the standard interest rate based on your creditworthiness.
You will have a variable APR of 19.9% based on your assumed credit limit. The balance transfer fee is 1.5% with a minimum of £5 then reverting to 2.4% after 3 months.Â
If you use the card to withdraw cash abroad, you will be charged a 2.5% fee or a minimum charge of £3. Any cash advances will be charged with a 19.9% fee. The minimum credit limit is £500 with a maximum credit limit of up to £15,000.
Choose From Two Introductory Offers
When you sign up for the Nationwide Credit Card, you can select from two distinct introductory deals.
This depends on your needs as a cardholder, and we will provide you with all the details that you need if you're a frequent traveler.
Balance Transfer Offer to Help You Pay Your Debt
The first offer is the Balance Transfer Offer which allows you to transfer a balance from another card that streamlines all of your debt into a single card.
This card has zero interest rates on balance transfers for the next 18 months and zero interest rates on purchases for the first 3 months.
If you want to have a longer period of interest-free credit, so you can pay off your debt from other cards and fix your credit rating, this is the best introductory offer to go with.
An Introductory Offer Suited for Travelers to Help You Save Money
The All Rounder Offer has zero interest rates on balance transfers for 15 months and zero interest rates on purchases for the next 15 months.
This means that you can use the card anywhere in the world and expect to have 15 months free from any interest rates, whether from purchases or from transferring your balances from other cards.
This ultimately makes the All Rounder Offer the most solid option for travelers. If you are planning on making big purchases abroad and want to save money, this is the right offer for you.
How to Manage Your Card Properly
The Nationwide Member Credit Card can also be linked to your mobile banking app. Download the Nationwide Bank app, log in to your account, and link the card.
With the Nationwide app, making contactless payments becomes effortless as you can simply use your smartphone to complete transactions, whether it's buying groceries or booking your next flight and hotel stay.
The app also offers convenient money management features, including alerts that keep you informed and help you save money.
By using the app, you are automatically enrolled in free text alerts. This means that if any unauthorized transactions occur, you will receive immediate notifications, allowing you to take swift action.
Protecting Your Purchases and Controlling Your Credit Limit
Another great feature of the Nationwide Member Credit Card is that it also protects your transactions, especially the items that you bought using the card.
When you use the card to purchase certain items, and it gets damaged or stolen, you can claim a refund with the amount ranging from £100 and £30,000.
Lastly, you can also control your credit limit. You get to control your credit limit, as the bank will not increase it without your permission.
How to Apply for the Nationwide Credit Card
When applying for the Nationwide Member Credit Card, you will need to be a Nationwide member first. Use the no-obligation eligibility indicator first to see if you are qualified for the credit card.
You can even determine your credit limit and your interest rates before committing to applying for the card.
After that, you can proceed in applying for the card by logging in to your account at the official website, selecting the introductory offer that you like, filling up the application form, and uploading any required documents.
Review the terms and conditions, and submit your online application. You will then be notified through email.
Contact Details
For more information or if you ever need assistance, you can call their customer service hotline at 03457 30 20 11 from the UK or +44 1793 758 666 if you're abroad.
You can also visit their main office at Nationwide Building Society, Nationwide House Pipers Way Swindon SN38 1NW.
Conclusion
When you have a reliable credit card, you make your travels safe and convenient. You will never have to worry about running out of money or using your credit card for emergency transactions ever again with the Nationwide Credit Card.
Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.
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