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Virgin Money Credit Cards

Enjoy minimal annual fees and competitive rates as well as a wealth of exclusive rewards and bonuses when you sign up for a Virgin Money credit card.

Virgin Money offer several kinds of credit card to match a variety of financial needs including balance transfer cards, purchase credit cards and Virgin Atlantic cards for frequent flyers, all with competitive rates and transparent charges.

With a Virgin Money credit card you also gain access to exclusive offers and discounts such as family trips, luxury holidays and discounts on other Virgin services like health insurance. On top you get generous cashback when shopping online, personalised card designs and free coffee and wifi in Virgin lounges.

Compare Virgin Money credit cards

Comparison ordered by representative APR with affiliated products shown first.
Updated April 22nd, 2019
Name Product Purchases Balance transfers Annual/monthly fees Rep. APR Incentive Representative example
0% for 20 months reverting to 21.9%
0% for 12 months reverting to 21.9%
£0
21.9%
Earn cashback when you shop online with over 500 top brands with Virgin Money Back.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
0% for 3 months reverting to 21.9%
0% for 28 months reverting to 21.9%
£0
21.9%
Earn cashback when you shop online with over 500 top brands with Virgin Money Back.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
0% for 23 months reverting to 21.9%
0% for 23 months reverting to 21.9%
£0
21.9%
Earn cashback when you shop online with over 500 top brands with Virgin Money Back.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
0% for 12 months reverting to 21.9%
0% for 12 months reverting to 21.9%
£0
21.9%
Earn cashback when you shop online with over 500 top brands with Virgin Money Back.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
22.9%
0% for 6 months reverting to 22.9%
£0
22.9%
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.
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).
0% for 3 months reverting to 23.9%
0% for 24 months reverting to 23.9%
£0
23.9%
Earn cashback when you shop online with over 500 top brands with Virgin Money Back.
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).
0% for 20 months reverting to 23.9%
0% for 20 months reverting to 23.9%
£0
23.9%
Earn cashback when you shop online with over 500 top brands with Virgin Money Back.
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).
0% for 3 months reverting to 27.9%
0% for 20 months reverting to 27.9%
£0
27.9%
Earn cashback when you shop online with over 500 top brands with Virgin Money Back.
Representative example: When you spend £1,200 at a purchase rate of 27.9% (variable) p.a., your representative rate is 27.9% APR (variable).
0% for 16 months reverting to 27.9%
0% for 16 months reverting to 27.9%
£0
27.9%
Earn cashback when you shop online with over 500 top brands with Virgin Money Back.
Representative example: When you spend £1,200 at a purchase rate of 27.9% (variable) p.a., your representative rate is 27.9% APR (variable).
22.9%
0% for 6 months reverting to 22.9%
£160 per annum
63.9%
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. Spend £10K 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.
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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Types of credit cards from Virgin Money

Virgin Money has a range of credit cards to suit different financial requirements, with reasonable interest rates and charges and for a variety of purposes. if you take out a Virgin Atlantic credit card you can also build up air miles to convert to flights or upgrades.

  • Balance transfer credit cards

    These cards are mainly for those that want to move existing debt on to a credit card in order to pay a lower rate. A different card may be better if you want to use it for everyday purchasing. Virgin Money offer balance transfer cards from short to longer terms, such as one year to nearly three although this may vary over time. Usually, Virgin Money charges 0% interest on their balance transfer credit cards and often have a charge free promotional period. Charges may vary from card to card depending on the different terms and conditions.

  • Money transfer credit cards

    These allow you to transfer money from a low rate credit card into your current account, typically to pay off an expensive overdraft. Virgin Money has several options and the cards available often have a no interest period for a reasonable length of time, although there are typically monthly fees. The firm often offers an “All-rounder” credit card which typically suits a range of budgets in terms of reasonable interest rates and spending needs.

  • Purchase credit cards

    These cards are designed for everyday spending and are a good way to build your credit score or to take advantage of Virgin Money’s many benefits. Equally these cards are useful if you want to make a big purchase, want to use it for day to day spending or while abroad. You can also set up text banking to help you stay on top of your spending. The cards are completely customisable so you can have your favourite photo or design on your card. Virgin Money currently offers four different purchase cards, with one especially for travel.

  • All round credit cards

    If you’re looking for a credit card for a range of financial purposes, these all round cards might be the one to go with. They give you the option of transferring expensive debts held with Virgin or another bank to the credit card and also give you the option to use the card for everyday spending, or to make a large purchase. They are similar to purchase credit cards and typically have 0% interest with various offer periods, often for up to 28 months (although this is subject to change with different company offers). There are also varying rates on transfer fees, so this is always important to check.

  • Virgin Atlantic Credit Cards

    There is also a pair of competitive Virgin Atlantic Credit Cards for those that fly regularly and want to build up air miles through every day spending. These air miles can then be converted to flights or upgrades. Both offer flying miles with purchases on the card, with a Flyer Club point earned on every £1 spent with the white account and £2 with the black account. You also immediately earn thousands of air miles with the first purchase made on either card. Both are of course subject to an eligibility check and are obviously more suitable for frequent flyers.

Compare credit cards

Comparison ordered by representative APR with affiliated products shown first.
Updated April 22nd, 2019
Name Product Balance transfers Balance transfer fee Purchases Rep. APR Incentive Representative example
0% for 20 months reverting to 19.9%
2.9% (min. £5)
0% for 20 months reverting to 19.9%
19.9%
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).
0% for 12 months reverting to 19.9%
3% (min. £3)
19.9%
19.9%
Earn Asda vouchers every time you shop - 1% cashback on all Asda spend, 0.2% on all other transactions and 10% on selected insurance products. Once £2.5 is earnt a voucher can be downloaded to spend in Asda stores.
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).
0% for 28 months reverting to 19.9%
1.75% for transfers in first 60 days
0% for 6 months reverting to 19.9%
19.9%
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. Save 5% on food and drink at all UK 02 Academy venues.
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).
0% for 20 months reverting to 19.9%
0% for transfers in first 60 days
0% for 6 months reverting to 19.9%
19.9%
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).
0% for 27 months reverting to 19.9%
2.7% for transfers in first 60 days
0% for 27 months reverting to 19.9%
19.9%
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).
0% for 26 months reverting to 19.9%
1.5% for transfers in first 60 days
0% for 6 months reverting to 19.9%
19.9%
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).
0% for 12 months reverting to 15.9%
0% for 3 months reverting to 2.4% (min. £5)
0% for 12 months reverting to 15.9%
15.9%
Representative example: When you spend £1,200 at a purchase rate of 15.9% (variable) p.a., your representative rate is 15.9% APR (variable).
0% for 12 months reverting to 17.9%
0% for 3 months reverting to 2.4% (min. £5)
0% for 12 months reverting to 17.9%
17.9%
Customers will be able to earn commission-free purchases abroad by using their Credit Card each time they make a purchase in Sterling. The calculation will be based on a 5:1 ratio - for example, £5 spent in Sterling will earn an allowance of £1 commission free-purchases abroad. Purchases abroad beyond the earned amount will be charged 2% commission.
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).

Compare up to 4 providers

Updated April 22nd, 2019
Name Product Purchases Annual/monthly fees Credit limits Rep. APR Incentive Representative example
0% for 27 months reverting to 19.9%
£0
Min. limit £50, max. limit not specified.
19.9%
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 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
0% for 20 months reverting to 19.9%
£0
Min. limit £500, max. limit not specified.
19.9%
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).
0% for 18 months reverting to 22.9%
£0
Min. limit £500, max. limit not specified.
22.9%
Earn 1 Membership Rewards® point for every £1 spent.
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).
0% for 6 months reverting to 19.9%
£0
Min. limit £50, max. limit not specified.
19.9%
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 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
0% for 6 months reverting to 19.9%
£0
Min. limit £50, max. limit not specified.
19.9%
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. Save 5% on food and drink at all UK 02 Academy venues.
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).
0% for 6 months reverting to 19.9%
£0
Min. limit £500, max. limit not specified.
19.9%
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 or 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).
0% for 6 months reverting to 19.9%
£0
Min. limit £50, max. limit not specified.
19.9%
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 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
0% for 28 months reverting to 20.95%
£0
Min. limit not specified, max. limit not specified.
20.9%
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).

Compare up to 4 providers

Updated April 22nd, 2019
Name Product Purchases Annual/monthly fees Credit limits Rep. APR Incentive Representative example
9.9%
£0
Min. limit £500, max. limit not specified.
9.9%
Earn 2,500 bonus Membership Rewards points when you spend £1,000 in your first 3 months, and 1 point for virtually every £1 spent thereafter.
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
0% for 6 months reverting to 19.9%
£0
Min. limit £500, max. limit not specified.
19.9%
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 or 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).
0% for 20 months reverting to 19.9%
£0
Min. limit £500, max. limit not specified.
19.9%
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).
19.9%
£0
Min. limit £100, max. limit not specified.
19.9%
Earn Asda vouchers every time you shop - 1% cashback on all Asda spend, 0.2% on all other transactions and 10% on selected insurance products. Once £2.5 is earnt a voucher can be downloaded to spend in Asda stores.
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).
0% for 18 months reverting to 22.9%
£0
Min. limit £500, max. limit not specified.
22.9%
Earn 1 Membership Rewards® point for every £1 spent.
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).
22.9%
£0
Min. limit £500, max. limit not specified.
22.9%
Earn 5,000 bonus Membership Rewards points when you spend £2,000 in your first 3 months, and 1 point for virtually every £1 spent thereafter.
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).
22.9%
£0
Min. limit £700, max. limit not specified.
22.9%
5,000 Avios when you spend £1,000 within 3 months of account opening. Earn 1 Avios for virtually every £1 spent. Spend £20K in 12 months and get 2 for 1 travel when redeeming Avios for a BA reward flight. Earn up to 90,000 bonus Avios points per calendar year, 4,000 points per friend/family member that successfully applies for an American Express card (Excl. Basic card) and uses the Referral Programme.
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).
22.9%
£0
Min. limit £700, max. limit not specified.
22.9%
Earn up to £150 additional bonus cashback per calendar year. £20 per friend/family member that successfully applies for an American Express card (Excl. Basic card) and uses Referral Programme. The cashback rebate is not payable in respect of any month in which the minimum payment is not received by the due date.
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).