Compare Virgin Money credit cards for January 2020

Virgin has a card for just about every situation, plus cards to cover multiple requirements too.

Last updated:

Virgin Money
Customers say
★★★★★
Customer satisfaction
  • Competitive offers across all types of cards
  • Lower rates available elsewhere

Virgin Money offers a great range of cards which includes balance transfer deals, 0% purchase deals, fee-free spending abroad and of course and Virgin Atlantic air miles cards.

But the card issuer also tailors rates and offers to the applicant, and won’t reveal its cards until you’ve used its “Card Checker”, which involves handing over personal data.

Compare Virgin Money credit cards

Table: sorted by representative APR, promoted deals first
Updated January 29th, 2020
Name Product Balance transfers Money transfers Purchases Annual/monthly fees Rep. APR Incentive Representative example
Virgin Money 20 Month Purchase Credit Card Mastercard
0% for 12 months
(2% fee)
0% for 12 months
(4% fee)
0% for 20 months reverting to 21.9%
£0
21.9% (variable)
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).
Virgin Money 29 Month Balance Transfer Credit Card Mastercard
0% for 29 months
(3% fee)
0% for 20 months
(4% fee)
0% for 3 months reverting to 21.9%
£0
21.9% (variable)
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).
Virgin Money 27 Month Balance Transfer Credit Card Mastercard
0% for 27 months
(1.45% fee)
0% for 20 months
(4% fee)
0% for 3 months reverting to 21.9%
£0
21.9% (variable)
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).
Virgin Money 23 Month All Round Credit Card Mastercard
0% for 23 months
(2.9% fee)
0% for 23 months
(4% fee)
0% for 20 months reverting to 21.9%
£0
21.9% (variable)
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).
Virgin Money 12 Month Travel Credit Card Mastercard
0% for 12 months
(2% fee)
0% for 12 months
(4% fee)
0% for 12 months reverting to 21.9%
£0
21.9% (variable)
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).
Virgin Money Virgin Atlantic Reward Credit Card
0% for 6 months
(3% fee)
0% for 6 months
(3% fee)
22.9%
£0
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 24 Month Balance Transfer Credit Card Mastercard
0% for 24 months
(3% fee)
0% for 18 months
(4% fee)
0% for 3 months reverting to 27.9%
£0
27.9% (variable)
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).
Virgin Money 20 Month All Round Credit Card Mastercard
0% for 20 months
(2.9% fee)
0% for 20 months
(4% fee)
0% for 17 months reverting to 27.9%
£0
27.9% (variable)
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).
Virgin Money 16 Month Purchase Credit Card Mastercard
0% for 12 months
(2% fee)
0% for 12 months
(4% fee)
0% for 16 months reverting to 27.9%
£0
27.9% (variable)
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).
Virgin Money Virgin Atlantic Reward Plus Credit Card
0% for 6 months
(3% fee)
0% for 6 months
(3% fee)
22.9%
£160 per annum
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. 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. Earn an additional 10,000 bonus miles when £3K spent within first 90 days if applied for by 28.2.20.
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).

Compare up to 4 providers

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.

Types of credit cards from Virgin Money

Virgin Money has a range of credit cards to suit different financial requirements and a variety of purposes, with reasonable interest rates and charges. 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 deals let you move existing credit card debt to a new card to pay less interest. Virgin Money offers a number of 0% balance transfer deals – going head-to-head with the likes of Barclaycard and mbna.

  • Money transfer credit cards

    These allow you to transfer money from a low rate credit card into your current account, for example to pay off an expensive overdraft or to withdraw cash. Virgin Money has several cards offering 0% interest on money transfers for an introductory period.

  • Purchase credit cards

    These cards are designed to help you spread the cost of large upcoming expenditures and are also good way to take advantage of Virgin Money’s many benefits. Virgin offers a number of cards with introductory 0% interest periods on purchases.

  • All-rounders

    If you’re looking for a credit card for multiple financial purposes, Virgin Money should be on your shortlist. Some of its cards can offer 0% on purchases, balance transfers and money transfers plus a variety of rewards. Just watch out for the transfer fees.

  • Frequent flyer credit cards

    Virgin Atlantic credit cards are suitable 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. The Virgin Atlantic cards compete alongside the British Airways American Express cards.

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. Additionally, you get generous cashback when shopping online, personalised card designs and free coffee and WiFi in Virgin lounges.

Virgin has a very easy to use website and frequently makes offers available for existing customers.”

Virgin Money customer in Finder's 2020 survey

Virgin credit card rewards

Although only some Virgin Money credit cards are specifically designed for collecting points, they all give you access to the following benefits:

What is Virgin Money Back?

It’s a cashback scheme that you can access through the Virgin Money website once you have a Virgin credit card. The card issuer has partnered with more than 500 brands – from household names to, well… not-household names – in sectors from electronics and clothes through to eating out and groceries.

After logging in, you’ll be able to browse through partner brands. If you already have one in mind, don’t worry there’s a Search function. When you’ve found one that takes your fancy you can click through to their site and shop online as usual.

Virgin Money and the merchant take care of the rest for you. The cashback gets added to your account as a credit, but frustratingly it could take around 90 days.

What is Virgin Red?

It’s a second android/iphone app (in other words it’s not the primary app that you’ll use to track your Virgin credit card account) that you can use to access exclusive discounts and offers. In fact it’s a big draw – if you have children this could be a real bonus (with offers like 25% off admission to major family attractions across the country including places like Kew Gardens).

Once you’ve downloaded the app and verified that you have a Virgin credit card, you’ll then get access to the juicy exclusive deals. The app “syncs” with your credit card, which isn’t quite as exciting as it sounds – the app needs to verify that you’re actually spending on the card each statement period before it shows you offers for the following month. The good news is there’s no minimum spend, however.

The offers update daily and, when we checked, cover off things like travel, food, and beauty/health products and services.

What about other Virgin Group discounts?

Yep – once you’re part of the Virgin ecosystem you can expect plenty of cross-selling. That means discounts on Virgin rail travel, Virgin Experience Days, Virgin holidays, Virgin international money transfer, Virgin travel insurance and even money off balloon flights (prosecco can be guaranteed but Richard Branson at the helm can’t).

There are regular competitions and you’ll also get access to Virgin’s luxury lounges, which are scattered around the UK and provide a luxurious place to relax and make use of free WiFi.

How to apply for a Virgin Money credit card

Applying online for a Virgin Money credit card via the Virgin Money website is a simple and quick process – you can find out if you’re eligible in minutes. You simply select what kind of card you may like to apply for and then fill out the online form. You then provide some basic information, such as your age, status and financial background. Virgin Money will then assess if you are eligible and it will not affect your credit score.

Eligibility requirements

In general there are basic eligibility requirements you will most likely need to meet to be accepted for a Virgin Money credit card. The eligibility requirements are as follows:

  • You are 18 years or older
  • You are a UK resident
  • You have a UK bank or building society account
  • You have a good credit history
  • You have an income of £7,000 or household income of £15,000
Why might you not be approved?

It’s important to note that you will not be approved for a credit card if you are bankrupt or in an individual voluntary arrangement (IVA). You are also unlikely to be approved if you have a county court judgement or a history of defaults. You could also get turned down if you do not have a credit history.

Frequently asked questions

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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