Credit card limit calculator

Learn what factors go into deciding your credit card limit and whether your application for an increased credit limit will be approved.

Updated

Every credit card comes with a credit limit which is determined by the information you provide when applying. The card provider uses this information to arrive at a suitable credit limit.

There is no definite way to determine what your credit limit might be, as card providers often follow their own unique policies when deciding your credit limit. However, developing an understanding of how certain factors may determine your credit limit could help you make a more accurate estimate.

What is a credit card limit?

At its most basic, a credit limit is the largest balance you can hold on your credit card at any one time. It’s decided using the full range of information you give a credit provider, such as your income, debts and liabilities.

When you are comparing your credit card options, you may notice the maximum credit limit for a particular card. It’s important to note that this may not be the limit you end up with.

What factors can affect my credit limit application?

Whether you’re applying for a new credit card or an increase to your existing card’s credit limit, know that the card provider in question will look at several factors before making a decision. Just about every credit card provider in the UK considers the following when it comes to making credit limit decisions:

  • Your monthly income
  • Your creditworthiness
  • Your employment status (full-time, part-time, self-employed, retired)
  • Your residential status (homeowner, renter, boarder)
  • The card in question (for example, silver, gold, platinum)
  • Your history with the provider in question

How to use an online credit limit calculator

Online credit card limit calculators can give you a vague idea of what your credit limit might look like. Unfortunately, it’s difficult to determine exactly what your credit limit is and neither can you be entirely sure of how your credit card provider will calculate your limit.

If you do end up using an online credit card limit calculator, bear in mind that the result should only work as an indication of what you can look forward to, and don’t expect your card provider to rely on similar parameters. At the end of the day, it’s your card provider who establishes exactly what your credit limit should be.
The beginner’s guide to credit cards

How can I calculate my own credit limit?

There is, as mentioned, no concrete way to calculate probable credit limit, and the process to arrive at a credit limit can vary from one credit card provider to the next. Taking into account aspects that affect your card’s credit limit, on the other hand, can help you get a better idea of what to expect:

  • Credit history. When you apply for a new card or an increase to an existing card’s limit you can expect the provider to refer to your credit file while making a decision. It does this in order to assess risk levels of lending to you. Details in your credit file like repayment history, outstanding debts and unsuccessful applications for debt can have an impact on your credit limit.
  • Income. Income is a definite consideration when setting a credit limit, and a number of cards come with minimum income requirements. Your credit limit, in most instances, should stay in direct proportion to your income, where higher income normally translates into higher credit limits. Frequency and reliability of income can also affect your credit limit, an example being self-employed individuals who are usually considered high-risk by most card providers.
  • The provider. Credit card providers can offer you different credit limits even though you submit exactly the same information through their applications. If you’ve banked with the provider in the past, a reliable history on your part can lead to a higher than usual credit limit. Some credit card providers list what aspects it looks at when determining credit limits, which you can use for reference. Certain providers, like American Express, have stringent processes when it comes to arriving at credit limit levels, which you should factor in as well.

How can I increase my credit limit?

If your credit card is not at its maximum allowed credit limit, you can consider applying for an increase in its limit, and just what you have to do in order to move forward depends on your card’s provider. You might, in all likelihood, have to submit an application for an increase to your credit limit, which many providers accept online. As part of this application you would have to provide identification and income details, along with information about your existing assets and liabilities.

Before you submit an application for an increase to your credit card’s credit limit, there are several things you can do to increase chances of approval, and here’s what can help:

  • Establish creditworthiness. If you can prove that you are a reliable borrower, there’s a good chance that the lender in question would approve your application for an increase in credit limit. In order to establish creditworthiness make sure you don’t make late payments and try paying off as much as possible each month.
  • Don’t exceed your credit limit. If you’ve exceeded your card’s limit once or more in the past, the provider would not look upon the same with favour, so it’s ideal that you keep your expenses in check and stay well within the card’s available limit.
  • Regular use. Using your credit card regularly demonstrates that you are well aware of the spending and repayments cycle that a credit card entails. Making large value purchases and repaying them in a timely manner can work well in this regard.
  • Talk to the lender. In some instances, discussing your need for an increased credit limit directly with the card provider might help. If nothing else, you should at least get a good indication of what your provider expects.
  • Patience is key. You can’t get a credit card today and hope to get an increase in its credit limit the next day or the next week. To qualify, you have to build a relationship with the provider, and you should give yourself at least six months before you consider applying for an increase.

What should I be wary of when changing my credit limit?

Increasing your card’s credit limit gives you access to more money as and when you need it, and decreasing it can help you keep your expenses in check. In either case, it is important that you account for the following.

  • Overspending. An increased credit limit translates into you getting more money to spend, and this could lead to a build up of debt that you may have difficulty repaying. The higher the credit limits, the higher the chances of overspending.
  • More interest. The outstanding balance in your account that rolls over from one month to the next attracts interest, and an increased credit limit can work in increasing the outstanding balance, resulting in you paying more in the form of interest. If you don’t pay your account’s balance in full every month, a credit limit increase might not be a good option.
  • Defaulting. An increased credit limit gives you more spending power, and, again, the more you spend, the more you have to repay. Apart from repaying the principal, you also have to pay interest, which over time can add up to a sizeable sum. If at any point your outgoings exceed your income, you stand the risk of defaulting.
  • Not enough money. Before you ask for a decrease in your card’s credit limit, establish if you’ve ever used the card beyond the new limit you seek. If you have, you might find yourself in need of the money again, and with a lower limit, you might find yourself at a loss during an emergency.

The credit limit your card comes with defines how much you can spend using your card, and while changing a card’s existing limit is possible, it requires several considerations. Some of the factors that can affect your application for increase in credit limit include your income, your creditworthiness and the card provider in question. While increasing your credit limit may seem like the solution to your financial problems, there are a number of considerations you should also be wary of before applying for an increase.

Benefits and disadvantages of a credit card

Compare cards by type

Table: sorted by representative APR, promoted deals first
Data indicated here is updated daily
Name Product Annual/monthly fees Min credit limit Max credit limit Minimum income Rep. APR Incentive Link
Vanquis Bank Chrome Credit Card 24.7pc Visa
£0
£250
Subject to status: £1,000
Not specified
24.7%
Stay in control of your account with online servicing, a mobile app, SMS and email alerts.
Representative example: When you spend £1,000 at a purchase rate of 24.7% (variable) p.a., your representative rate is 24.7% APR (variable).
Tandem Bank Journey Credit Card Mastercard
£0
£500
Subject to status: £1,500
£15000
24.9%
No fees for making purchases or withdrawing cash abroad – currencies are converted at the standard Mastercard exchange rate.
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
TSB Classic Credit Card Mastercard
£0
£500
Not specified
Not specified
26.9%
Representative example: When you spend £1,200 at a purchase rate of 26.95% (variable) p.a., your representative rate is 26.9% APR (variable).
Tesco Bank Foundation Clubcard Credit Card Mastercard
£0
£100
Subject to status
£5000
27.5%
Collect 1 Tesco Clubcard point per £4 spent (£4 minimum) in Tesco and 1 Clubcard point per £8 spent (£8 minimum) outside Tesco in each purchase transaction.  Must have available credit to collect Clubcard points. Clubcard points are turned into Clubcard vouchers every 3 months or sooner using Faster Vouchers. Clubcard vouchers can be used in Tesco or with Clubcard Reward Partners to get even more value on dining out, hotel stays and travel.
Representative example: When you spend £1,200 at a purchase rate of 27.542% (variable) p.a., your representative rate is 27.5% APR (variable).
Vanquis Bank Chrome Card 29.3pc Visa
£0
£250
Subject to status: £1,000
Not specified
29.3%
Representative example: When you spend £1,000 at a purchase rate of 29.3% (variable) p.a., your representative rate is 29.3% APR (variable).
Vanquis Bank Aquis Visa
£0
£250
Subject to status: £1,000
Not specified
29.8%
You could get a credit limit increase after your 5th statement and further increases every 5 months, up to £4,000.
Representative example: When you spend £1,000 at a purchase rate of 29.84% (variable) p.a., your representative rate is 29.8% APR (variable).
Capital One Classic Platinum Mastercard
£0
£200
Subject to status: £1,500
Not specified
29.8%
Representative example: When you spend £1,200 at a purchase rate of 29.84% (variable) p.a., your representative rate is 29.8% APR (variable).
Barclaycard Forward Credit Card Visa
£0
£50
Subject to status: £1,200
£3000
33.9%
Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive pre-sale tickets on selected festivals with 10% off ticket prices.
Representative example: When you spend £1,200 at a purchase rate of 33.9% (variable) p.a., your representative rate is 33.9% APR (variable).
118 118 Money Guaranteed Rate Card
£0
£500
Not specified
£8400
34%
Representative example: When you spend £1,200 at a purchase rate of 34% (variable) p.a., your representative rate is 34% APR (variable).
aqua Advance Mastercard
£0
£250
Not specified
Not specified
34.9%
Representative example: When you spend £1,200 at a purchase rate of 34.95% (variable) p.a., your representative rate is 34.9% APR (variable).
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Data indicated here is updated daily
Name Product Balance transfers Balance transfer fee Purchases Annual/monthly fees Rep. APR Incentive Link
M&S Bank Shopping Plus Mastercard
0% for 20 months reverting to 19.9%
2.9% (min. £5)
0% for 20 months reverting to 19.9%
£0
19.9% (variable)
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
The NatWest Balance Transfer Credit Card (eligibility criteria apply)
0% for 20 months reverting to 19.9%.
0%
Transfers must be made within 3 months of account opening
0% for 3 months reverting to 19.9% p.a. (variable)
£0
19.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable), your representative rate is 19.9% APR (variable).
The Royal Bank Balance Transfer Credit Card (eligibility criteria apply)
0% for 20 months reverting to 19.9%
0%
Transfers must be made within 3 months of account opening
0% for 3 months reverting to 19.9% p.a. (variable)
£0
19.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable), your representative rate is 19.9% APR (variable).
HSBC Purchase Plus Credit Card Visa
0% for 18 months reverting to 22.9%
2.9% (min. £5) for transfers in first 60 days
0% for 18 months reverting to 22.9%
£0
22.9% (variable)
Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
Santander Everyday Credit Card Mastercard
0% for 18 months reverting to 18.9%
0% for 18 months reverting to 3% (min. £5)
0% for 3 months reverting to 18.9%
£0
18.9% (variable)
Retailer offers - 5 Welcome offers of up to 25% cashback at well-known retailers (must switch on Retailer Offers within 60 days of activating card).
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
first direct Credit Card Visa
0% for 27 months reverting to 18.9%
2.29% (min. £5) for 3 months reverting to 2.9% (min. £5)
18.9%
£0
18.9% (variable)
Earn cashback with selected retailers via Visa Offers, customers can register up to five separate first direct Visa cards.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
John Lewis and Waitrose Partnership Mastercard
0% for 18 months reverting to 18.9%
2.9% (min. £5)
0% for 9 months reverting to 18.9%
£0
18.9% (variable)
Earn 1 point for every £1 spent in store or online at John Lewis, Waitrose and John Lewis Insurance. Earn 1 Point for every £2 spent elsewhere. Earn double points on selected insurances taken out through John Lewis Financial Services. Vouchers issued once customer reaches 500 points in Feb, Jun or Oct when vouchers are automatically issued to customers. Every 500 points is worth £5.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
HSBC Premier Credit Card Mastercard
0% for 18 months reverting to 18.9%
1.4% (min. £5)
0% for 9 months reverting to 18.9%
£0
18.9% (variable)
A selection of rewards from a range of partners. Earn 1 point for every £1 spent within the UK and earn 2 points for every £1 spent outside the UK. Points can be redeemed for shopping vouchers and frequent flyer miles.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
Tesco Bank Clubcard Credit Card for 26 Months Balance Transfer Mastercard
0% for 26 months reverting to 21.814%
2.98% for 26 months reverting to 3.99%
19.944%
£0
19.9% (variable)
1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.
Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a., your representative rate is 19.9% APR (variable).
Bank of Scotland Platinum 0% Purchase and Balance Transfer Mastercard
0% for 18 months reverting to 19.95%
3% for 3 months reverting to 5%
0% for 18 months reverting to 19.95%
£0
19.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).
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Data indicated here is updated daily
Name Product Purchases Balance transfers Annual/monthly fees Rep. APR Incentive Link
M&S Bank Shopping Plus Mastercard
0% for 20 months reverting to 19.9%
0% for 20 months
(2.9% fee)
£0
19.9% (variable)
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
HSBC Purchase Plus Credit Card Visa
0% for 18 months reverting to 22.9%
0% for 18 months
(2.9% fee)
£0
22.9% (variable)
Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
M&S Bank Reward Plus Mastercard
0% for 6 months reverting to 19.9%
0% for 6 months
(2.9% fee)
£0
19.9% (variable)
Double points on spend in M&S for first 12 months (2 points per £1). Then earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
Santander All in One Credit Card Mastercard
0% for 26 months reverting to 15.9%
0% for 26 months
(0% fee)
£3 per month
21.7% (variable)
0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 15.9% (variable) p.a. with a fee of £3 per month, your representative rate is 21.7% APR (variable).
TSB Platinum Purchase Card
0% for 20 months reverting to 19.95%
0% for 20 months
(2.95% fee)
£0
19.9% (variable)
Representative example: When you spend £1,200 at a rate of 19.95% (variable) per annum, your representative APR is 19.9% APR (variable).
Sainsbury's Bank Dual Offer Credit Card Mastercard
0% for 20 months reverting to 20.95%
0% for 20 months
(3% fee)
£0
20.9% (variable)
Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Earn 1 Nectar point for every £5 spent elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 20.95% (variable) p.a., your representative rate is 20.9% APR (variable).
Tesco Bank Clubcard Plus Credit Card Mastercard
0% for 18 months reverting to 19.944%
21.814%
(3.99% fee)
£0
37.7% (variable)
1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco, must have available credit to earn points. Card can also be used as a Clubcard to collect standard points at 1 point per £1 spent on shopping and 1 point per £2 spent on fuel. Points are converted to Tesco vouchers which can be used towards shopping or exchanged for Partner Rewards.
Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a., your representative rate is 37.7% APR (variable).
Halifax 0% Purchase and Balance Transfer Mastercard
0% for 18 months reverting to 19.95%
0% for 18 months
(3% fee)
£0
19.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).
MBNA 0% Transfer and Purchase Credit Card
0% for 18 months reverting to 20.93%
0% for 18 months
(2.99% fee)
£0
20.9% (variable)
Introductory 0% purchase offer only applies to purchases made within 60 days of opening.
Representative example: When you spend £1,200 at a purchase rate of 20.93% (variable) p.a., your representative rate is 20.9% APR (variable).
Lloyds Bank Platinum 0% Purchase and Balance Transfer Mastercard
0% for 18 months reverting to 19.94%
0% for 18 months
(3% fee)
£0
19.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 19.94% (variable) p.a., your representative rate is 19.9% APR (variable).
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Data indicated here is updated daily
Name Product Purchases Annual/monthly fees Credit limits Rep. APR Incentive Link
M&S Bank Reward Plus Mastercard
0% for 6 months reverting to 19.9%
£0
Min. limit £500, max. limit not specified.
19.9% (variable)
Double points on spend in M&S for first 12 months (2 points per £1). Then earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
M&S Bank Shopping Plus Mastercard
0% for 20 months reverting to 19.9%
£0
Min. limit £500, max. limit not specified.
19.9% (variable)
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
Maximiles Mastercard
0% for 3 months reverting to 17.9%
£0
Min. limit £100, max. limit not specified.
17.9% (variable)
Earn 1 Maximiles point for every £1 spent. 5000 bonus points when you make your first card purchase.
Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a., your representative rate is 17.9% APR (variable).
The Co-operative Bank Members' Credit Card Visa
18.3%
£0
Min. limit £500, max. limit not specified.
18.3% (variable)
1p earned for every £2 spent in The Co-operative Food stores (excluding in-store concessions) and 1p earned for every £3.33 spent anywhere else. Cashback will be added to your share of the Group profits and this will be paid to you twice a year.
Representative example: When you spend £1,200 at a purchase rate of 18.3% (variable) p.a., your representative rate is 18.3% APR (variable).
HSBC Premier Credit Card Mastercard
0% for 9 months reverting to 18.9%
£0
Min. limit £1,500, max. limit not specified.
18.9% (variable)
A selection of rewards from a range of partners. Earn 1 point for every £1 spent within the UK and earn 2 points for every £1 spent outside the UK. Points can be redeemed for shopping vouchers and frequent flyer miles.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
John Lewis and Waitrose Partnership Mastercard
0% for 9 months reverting to 18.9%
£0
Min. limit £250, max. limit not specified.
18.9% (variable)
Earn 1 point for every £1 spent in store or online at John Lewis, Waitrose and John Lewis Insurance. Earn 1 Point for every £2 spent elsewhere. Earn double points on selected insurances taken out through John Lewis Financial Services. Vouchers issued once customer reaches 500 points in Feb, Jun or Oct when vouchers are automatically issued to customers. Every 500 points is worth £5.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
AIB Visa Option 1
18.9%
£0
Min. limit £500, max. limit not specified.
18.9% (variable)
0.5% after £5000 of yearly spend. Minimum of 12 transactions per year required. Maximum of £250 cashback paid per year. Cashback paid Anniversary into Card Account. For initial £5K a £25 cashback is paid, plus an additional £1 for every further £200 spent.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
Bank of China (UK) Great Wall International Classic Credit Card Visa
17.1%
£10 per annum
Min. limit £250, max. limit £10,000.
19% (variable)
Earn 10 points per £1 spent on card; points can be redeemed for selected gifts or card annual fee waiver.
Representative example: When you spend £1,200 at a purchase rate of 17.1% (variable) p.a. with a fee of £10 per annum, your representative rate is 19% APR (variable).
Tesco Bank Clubcard Credit Card Purchases Mastercard
0% for 18 months reverting to 19.944%
£0
Min. limit £100, max. limit not specified.
19.9% (variable)
1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.
Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a., your representative rate is 19.9% APR (variable).
Sainsbury's Bank Balance Transfer Credit Card Mastercard
0% for 3 months reverting to 19.95%
£0
Min. limit not specified, max. limit not specified.
19.9% (variable)
Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Earn 1 Nectar point for every £5 spent elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).
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Data indicated here is updated daily
Name Product Purchases Annual/monthly fees Credit limits Rep. APR Incentive Link
British Airways American Express Card
22.2%
£0
Min. limit £700, max. limit not specified.
22.2% (variable)
New Cardmember offer: Earn 5,000 bonus Avios when you spend £1,000 in your first 6 months of Cardmembership.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 22.2% APR (variable).
British Airways American Express Premium Plus
22.2%
£195 per annum
Min. limit £700, max. limit not specified.
74.7% (variable)
As a new Cardmember, earn 25,000 bonus Avios when you spend £3,000 in your first 6 months of Cardmembership.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a. with a fee of £195 per annum, your representative rate is 74.7% APR (variable).
Virgin Money Virgin Atlantic Reward Credit Card
22.9%
£0
Min. limit not specified, max. limit not specified.
22.9% (variable)
Earn 5,000 bonus miles with your first card purchase made within 90 days of account opening. Earn 0.75 Flying Club miles for every £1 spend. Spend £20K a year on your card and choose an extra benefit - an upgrade to premium, or a Companion ticket. Double miles when you spend directly with Virgin Atlantic and Virgin Holidays through the contact centre and online. Earn an additional 2,000 bonus miles if you spend £1K within 90 days of opening until 31.10.19.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
Virgin Money Virgin Atlantic Reward Plus Credit Card
22.9%
£160 per annum
Min. limit not specified, max. limit not specified.
63.9% (variable)
Earn 15,000 bonus miles with your first card purchase made within 90 days of account opening. Earn 1.5 Flying Club miles for every £1 spend and 3 miles for every £1 spend with Virgin Atlantic and Virgin Holidays. Spend £10K a year on your card and choose an extra benefit - an upgrade to Premium, or a Companion ticket.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £160 per annum, your representative rate is 63.9% APR (variable).
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Approval for any credit card will depend on your status. The APR shown represents the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

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