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.
Compare Virgin Money credit cards for September 2019
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. Additionally, you get generous cashback when shopping online, personalised card designs and free coffee and WiFi in Virgin lounges.
Compare Virgin Money credit cards
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 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. These cards are equally useful if you want to make a big purchase, use it for day to day spending or use it 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 flye.