Virgin Money Travel
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).
Editor’s Note: While we always aim to give you accurate product information at the point of publication, rates, prices, terms and promotions can always be changed by the provider afterwards and without notice, so be sure to double check first.
Our Verdict
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.
Important: The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer.
Product Features & Benefits
| 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/Rewards (if applicable) | Earn up to 15% cashback with Virgin Money Cashback at selected major retailers through the app (offers allocated automatically). |
| Account Fee | £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 |
Fees & Charges
| Account Fee | £0 |
|---|---|
| Late Payment | £ 12 |
| Returned Payment | £ 12 |
| Exceed Limit | £ 12 |
| Duplicate Statement | £ 0 |
| Replacement Card | £ 0 |
| Trace Fee | £ 0 |
| Cash Withdrawal Fee | 3% |
| Cash Withdrawal Minimum Charge | £ 0 |
| Foreign Usage EU | 0% |
| Foreign Usage World | 0% |
Application Requirements
| Availability | Available to new customers. |
|---|---|
| Minimum Income | £ 0 |
| Minimum Age | 18 |
| Residency | Permanent resident in the UK. |
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34.4% Representative APR (variable)
Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited and is acting as a credit broker, not a lender.
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