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Virgin Money Credit Cards

13 CARDS

Virgin Money offers a variety of credit cards, popular for their competitive 0% interest offers on balance transfers and purchases, making them ideal for financial management and debt consolidation. A key feature is the Virgin Money Rewards program, offering perks like cashback, discounts, and access to Virgin Group experiences. The cards also cater to frequent travellers with options that include no foreign transaction fees.

Virgin Money

12 Month All Round

3.1

OUR RATING

Representative APR

29.9% APR (variable)

Purchases

0% for up to 12 months, then 29.90% (variable) p.a.

Balance Transfers

0% for 12 months, then 29.90% (variable) p.a. (2.9% fee for 2 months)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 29.90% (variable) p.a., most accepted customers get a rate of 29.9% APR (variable).

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3.1

OUR RATING

Quick Look

The Virgin Money 12 Month All Round credit card offers 12 months of 0% interest on purchases, money transfers, and balance transfers. It may be suitable for individuals seeking a flexible card to manage spending and existing debt without interest during the introductory period.

Issuer	Virgin Money
Network	Mastercard
Primary Category	Balance Transfer
Loyalty Scheme
Incentive on opening	0% interest on purchases, money and balance transfers for 12 months with Virgin Money. A great all rounder.
Cashback rate (if applicable)	No cashback scheme
Account Fees	£0
Purchases	0% for up to 12 months, then 29.90% (variable) p.a.
Purchases Interest Free Period	50 days
Balance Transfers	0% for 12 months, then 29.90% (variable) p.a. (2.9% fee for 2 months)
Balance Transfer Fee (%)	2.90%
Cash Advances	29.90% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 0.00
Maximum Credit Limit	Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Virgin Money

12 Month Balance Transfer

3.1

OUR RATING

Representative APR

29.9% APR (variable)

Purchases

0% for up to 3 months, then 29.90% (variable) p.a.

Balance Transfers

0% for 12 months, then 29.90% (variable) p.a. (3% fee for 2 month)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 29.90% (variable) p.a., most accepted customers get a rate of 29.9% APR (variable).

Read Full Review

3.1

OUR RATING

Quick Look

The Virgin Money 12 Month Balance Transfer credit card offers up to 12 months of 0% interest on balance transfers, with a low introductory transfer fee of 3%. It may be suitable for individuals looking to consolidate existing credit card debt cost-effectively over a short-term interest-free period.

Issuer	Virgin Money
Network	Mastercard
Primary Category	Balance Transfer
Loyalty Scheme
Incentive on opening	Up to 12 months interest free on balance transfers and a 3% transfer fee for the first two months.
Cashback rate (if applicable)	No cashback scheme
Account Fees	£0
Purchases	0% for up to 3 months, then 29.90% (variable) p.a.
Purchases Interest Free Period	50 days
Balance Transfers	0% for 12 months, then 29.90% (variable) p.a. (3% fee for 2 month)
Balance Transfer Fee (%)	5.00%
Cash Advances	29.90% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 0.00
Maximum Credit Limit	Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Virgin Money

Manchester United Credit Card

3.0

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

24.90% (variable) p.a.

Balance Transfers

24.90% (variable) p.a. (3% fee)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 24.90% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

Read Full Review

3.0

OUR RATING

Quick Look

The Virgin Money Manchester United credit card is designed for fans of the club who frequently shop at Manchester United megastores, stadiums, and related venues. It may offer benefits tailored to supporters, making it a fun option for fans.

Issuer	Virgin Money
Network	Mastercard
Primary Category	Purchases
Loyalty Scheme
Incentive on opening	Exclusive access for the chance to win Manchester United tickets, rewards and experiences including The United Way, giving you the opportunity to nominate worthy Manchester United fans for unique 'money can't buy' experiences.
Cashback rate (if applicable)	10% discount on card purchases at the Manchester United Megastore, Red Card and online at United Direct. 20% discount for advance bookings on Museum and Stadium tours. Conditions apply.
Account Fees	£0
Purchases	24.90% (variable) p.a.
Purchases Interest Free Period	50 days
Balance Transfers	24.90% (variable) p.a. (3% fee)
Balance Transfer Fee (%)	3.00%
Cash Advances	29.90% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 0.00
Maximum Credit Limit	Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Virgin Money

Balance Transfer

3.1

OUR RATING

Representative APR

29.9% APR (variable)

Purchases

0% for up to 3 months, then 29.90% (variable) p.a.

Balance Transfers

0% for 14 months, then 29.90% (variable) p.a. (2.5% fee for 2 months)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 29.90% (variable) p.a., most accepted customers get a rate of 29.9% APR (variable).

Read Full Review

3.1

OUR RATING

Quick Look

The Virgin Money Balance Transfer credit card offers 14 months of 0% interest on balance transfers. It also provides an introductory 0% interest period on purchases and money transfers, making it a versatile option for managing existing debt and new spending without interest during the promotional period.

Issuer	Virgin Money
Network	Mastercard
Primary Category	Balance Transfer
Loyalty Scheme
Incentive on opening	Up to 14 months interest free on Balance Transfers
Cashback rate (if applicable)	No cashback scheme
Account Fees	£0
Purchases	0% for up to 3 months, then 29.90% (variable) p.a.
Purchases Interest Free Period	50 days
Balance Transfers	0% for 14 months, then 29.90% (variable) p.a. (2.5% fee for 2 months)
Balance Transfer Fee (%)	5.00%
Cash Advances	29.90% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 0.00
Maximum Credit Limit	Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Virgin Money

Fixed Fee Balance Transfer

3.9

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

0% for up to 3 months, then 24.90% (variable) p.a.

Balance Transfers

0% 20 months, then 24.90% (variable) p.a. (2% fee for 2 months)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 24.90% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

Read Full Review

3.9

OUR RATING

Quick Look

The Virgin Money Fixed Fee Balance Transfer credit card offers 20 months of 0% interest on balance transfers, with a fixed 2% balance transfer fee for transfers made within the first 2 months. It may suit those looking for a longer interest-free period with a competitive transfer cost.

Issuer	Virgin Money
Network	Mastercard
Primary Category	Balance Transfer
Loyalty Scheme
Incentive on opening	Up to 20 months interest free on Balance Transfers
Cashback rate (if applicable)	No cashback scheme
Account Fees	£0
Purchases	0% for up to 3 months, then 24.90% (variable) p.a.
Purchases Interest Free Period	50 days
Balance Transfers	0% 20 months, then 24.90% (variable) p.a. (2% fee for 2 months)
Balance Transfer Fee (%)	5.00%
Cash Advances	29.90% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 0.00
Maximum Credit Limit	Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Virgin Money

Longer Balance Transfer

4.5

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

0% for up to 3 months, then 24.90% (variable) p.a.

Balance Transfers

0% for 32 months, then 24.90% (variable) p.a. (3.49%)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 24.90% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

Read Full Review

4.5

OUR RATING

Quick Look

The Virgin Money Longer Balance Transfer credit card offers 33 months of 0% interest on balance transfers, making it ideal for individuals looking to clear existing balances over an extended period without incurring interest charges.

Issuer	Virgin Money
Network	Mastercard
Primary Category	Balance Transfer
Loyalty Scheme
Incentive on opening	Up to 32 months interest free on Balance Transfers
Cashback rate (if applicable)	No cashback scheme
Account Fees	£0
Purchases	0% for up to 3 months, then 24.90% (variable) p.a.
Purchases Interest Free Period	50 days
Balance Transfers	0% for 32 months, then 24.90% (variable) p.a. (3.49%)
Balance Transfer Fee (%)	5.00%
Cash Advances	29.90% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 0.00
Maximum Credit Limit	Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Virgin Money

9 Month All Round

3.4

OUR RATING

Representative APR

29.9% APR (variable)

Purchases

0% for up to 3 months, then 29.90% (variable) p.a.

Balance Transfers

0% for 9 months, then 29.90% (variable) p.a. (0% fee for 2 months)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 29.90% (variable) p.a., most accepted customers get a rate of 29.9% APR (variable).

Read Full Review

3.4

OUR RATING

Quick Look

The Virgin Money 9 Month All Round credit card offers 9 months of 0% interest on purchases, balance transfers, and money transfers. It provides a flexible solution for managing new spending and existing balances without incurring interest during the introductory period.

Issuer	Virgin Money
Network	Mastercard
Primary Category	Balance Transfer
Loyalty Scheme
Incentive on opening	Up to 9 months interest free on Balance Transfers (0 transfer fee within the first two months) and Money Transfers.
Cashback rate (if applicable)	No cashback scheme
Account Fees	£0
Purchases	0% for up to 3 months, then 29.90% (variable) p.a.
Purchases Interest Free Period	50 days
Balance Transfers	0% for 9 months, then 29.90% (variable) p.a. (0% fee for 2 months)
Balance Transfer Fee (%)	3.00%
Cash Advances	29.90% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 0.00
Maximum Credit Limit	Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Virgin Money

Low Fee Balance Transfer

4.0

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

0% for up to 3 months, then 24.90% (variable) p.a.

Balance Transfers

0% for 18 months, then 24.90% (variable) p.a. (1.75% fee)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 29.90% (variable) p.a., most accepted customers get a rate of 29.9% APR (variable).

Read Full Review

4.0

OUR RATING

Quick Look

The Virgin Money Low Fee Balance Transfer credit card offers 0% interest on balance transfers for up to 18 months. It features no annual fees and a low balance transfer fee of 1.75%, making it a cost effective option for managing existing debt over the promotional period.

Issuer	Virgin Money
Network	Mastercard
Primary Category	Balance Transfer
Loyalty Scheme
Incentive on opening	Up to 18 months interest free on Balance Transfers with a fee of 1.75%
Cashback rate (if applicable)	No cashback scheme
Account Fees	£0
Purchases	0% for up to 3 months, then 24.90% (variable) p.a.
Purchases Interest Free Period	50 days
Balance Transfers	0% for 18 months, then 24.90% (variable) p.a. (1.75% fee)
Balance Transfer Fee (%)	1.75%
Cash Advances	29.90% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 0.00
Maximum Credit Limit	Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Virgin Money

Mastercard

3.1

OUR RATING

Representative APR

23.94% APR (variable)

Purchases

23.94% (variable) p.a.

Balance Transfers

23.94% (variable) p.a. (3% fee)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 23.94% (variable) p.a., most accepted customers get a rate of 23.9% APR (variable).

Read Full Review

3.1

OUR RATING

Quick Look

The Virgin Money Mastercard credit card offers a straightforward option with no annual fees. It is suitable for individuals seeking a simple credit card without ongoing maintenance costs.

Issuer	Virgin Money
Network	Mastercard
Primary Category	Purchases
Loyalty Scheme
Incentive on opening	No annual fees
Cashback rate (if applicable)	No cashback scheme
Account Fees	£0
Purchases	23.94% (variable) p.a.
Purchases Interest Free Period	50 days
Balance Transfers	23.94% (variable) p.a. (3% fee)
Balance Transfer Fee (%)	3.00%
Cash Advances	25.95% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 0.00
Maximum Credit Limit	Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Virgin Money

Dual Credit Card

3.9

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

0% for up to 13 months, then 24.90% (variable) p.a.

Balance Transfers

0% for 16 months, then 24.90% (variable) p.a. (3% fee for 2 months)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 24.90% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

Read Full Review

3.9

OUR RATING

Quick Look

The Virgin Money Dual credit card offers 0% interest on purchases, balance transfers, and money transfers for extended periods. This makes it a flexible choice for managing new spending and existing debt without incurring interest during the promotional periods.

Issuer	Virgin Money
Network	Mastercard
Primary Category	Balance Transfer
Loyalty Scheme
Incentive on opening	This card currently has the longest 0% deals among Virgin Money's credit cards.
Cashback rate (if applicable)	No cashback scheme
Account Fees	£0
Purchases	0% for up to 13 months, then 24.90% (variable) p.a.
Purchases Interest Free Period	50 days
Balance Transfers	0% for 16 months, then 24.90% (variable) p.a. (3% fee for 2 months)
Balance Transfer Fee (%)	3.00%
Cash Advances	29.90% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 0.00
Maximum Credit Limit	Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Virgin Money

Travel

3.9

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

0% for up to 9 months, then 24.90% (variable) p.a.

Balance Transfers

0% for 9 months, then 24.90% (variable) p.a. (2% fee for 2 months)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 24.90% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

Read Full Review

3.9

OUR RATING

Quick Look

The Virgin Money Travel credit card offers no annual fees and no foreign transaction fees, making it an ideal choice for travellers. It also features cashback rewards, providing value for everyday and international spending.

Issuer	Virgin Money
Network	Mastercard
Primary Category	Rewards
Loyalty Scheme
Incentive on opening	Up to 9 months interest free on Balance Transfers, Purchases and Money Transfers
Cashback rate (if applicable)	Earn up to 15% cashback with Virgin Money Cashback at selected major retailers through the app (offers allocated automatically).
Account Fees	£0
Purchases	0% for up to 9 months, then 24.90% (variable) p.a.
Purchases Interest Free Period	50 days
Balance Transfers	0% for 9 months, then 24.90% (variable) p.a. (2% fee for 2 months)
Balance Transfer Fee (%)	5.00%
Cash Advances	29.90% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 0.00
Maximum Credit Limit	Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Virgin Money

Virgin Atlantic Reward

3.8

OUR RATING

Representative APR

26.9% APR (variable)

Purchases

26.90% (variable) p.a.

Balance Transfers

0% for 6 months, then 26.90% (variable) p.a. (3% fee for 2 months)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 26.90% (variable) p.a., most accepted customers get a rate of 26.9% APR (variable).

Read Full Review

3.8

OUR RATING

Quick Look

The Virgin Money Virgin Atlantic Reward credit card has no annual fees and is designed for travellers who spend at least £20,000 annually. It includes membership to the Virgin Atlantic Flying Club and charges no foreign exchange fees on spending within Europe, making it a strong choice for frequent flyers.

Issuer	Virgin Money
Network	Mastercard
Primary Category	Rewards
Loyalty Scheme	Virgin Points
Incentive on opening	Earn 3,000 bonus points with your first card purchase made within 90 days of account opening. No foreign exchange fees on spending in Europe
Cashback rate (if applicable)	0.75 Virgin Points for every £1 spent on everyday purchases. Earn 1.5 Virgin Points for every £1 spent direct with Virgin Atlantic or Virgin Holidays. If you spend £650 each month, in a year you'll earn 5,850 Virgin Points. Spend £20,000 or more over 12 months to earn an additional reward.
Account Fees	£0
Purchases	26.90% (variable) p.a.
Purchases Interest Free Period	50 days
Balance Transfers	0% for 6 months, then 26.90% (variable) p.a. (3% fee for 2 months)
Balance Transfer Fee (%)	5.00%
Cash Advances	28.90% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 0.00
Maximum Credit Limit	Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Virgin Money

Virgin Atlantic Reward Plus

3.9

OUR RATING

Representative APR

69.7% APR (variable)

Purchases

26.90% (variable) p.a.

Balance Transfers

0% for 6 months, then 26.90% (variable) p.a. (3% fee for 6 months)

Account Fees

£160 p.a.

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 26.90% (variable) p.a., and a fee of £160.00 per annum, most accepted customers get a rate of 69.7% APR (variable).

Read Full Review

3.9

OUR RATING

Quick Look

The Virgin Money Virgin Atlantic Reward Plus credit card is designed for high earners and frequent spenders. It features a Virgin Points rewards scheme and carries an annual fee of £160. Cardholders benefit from no foreign exchange fees on spending within Europe, making it ideal for regular travellers.

Issuer	Virgin Money
Network	Mastercard
Primary Category	Rewards
Loyalty Scheme	Virgin Points
Incentive on opening	Earn 18,000 bonus points with your first card purchase made within 90 days of account opening. No foreign exchange fees on spending in Europe.
Cashback rate (if applicable)	1.5 Virgin Points for every £1 spent on everyday purchases. Earn 3 Virgin Points for every £1 spent direct with Virgin Atlantic or Virgin Holidays. If you spend £650 each month, in a year you'll earn 11,700 Virgin Points. Spend £10,000 or more over 12 months to earn an additional reward.
Account Fees	£160 p.a.
Purchases	26.90% (variable) p.a.
Purchases Interest Free Period	50 days
Balance Transfers	0% for 6 months, then 26.90% (variable) p.a. (3% fee for 6 months)
Balance Transfer Fee (%)	5.00%
Cash Advances	29.90% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 0.00
Maximum Credit Limit	Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

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