Compare Virgin Money credit cards

Table: sorted by representative APR, promoted deals first

Product	Finder Score	Balance transfers	Money transfers	Purchases	Annual/monthly fees	Incentive	Representative example
Finder score Not yet rated Virgin Money Credit Card (Credit Builder) Finder Award	Finder score Not yet rated	23.9% (5% fee)	25.9 (5 fee)	23.9	£0	Enjoy exclusive offers and rewards on the Virgin Red app.	Representative example: Representative 23.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 23.9% p.a. (variable).	More info Compare product selectionCompare	loading
Finder score 8.6Great Virgin Money Balance Transfer Credit Card (33 Mths) Finder Award	Finder score 8.6Great	0% for 33 months (2.99% fee)	26.9 (4 fee)	24.9	£0	Enjoy exclusive offers and rewards on the Virgin Red app.	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	More info Compare product selectionCompare	loading
Finder score 6.8Standard Virgin Money Balance Transfer Credit Card (13 Mths) Finder Award	Finder score 6.8Standard	0% for 13 months (0% fee)	26.9 (4 fee)	24.9	£0	Enjoy exclusive offers and rewards on the Virgin Red app.	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	More info Compare product selectionCompare	loading
Finder score 7.3Great Virgin Money Balance Transfer Credit Card (18 Mths)	Finder score 7.3Great	0% for 18 months (0.95% fee)	26.9 (4 fee)	24.9	£0	Enjoy exclusive offers and rewards on the Virgin Red app.	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	More info Compare product selectionCompare	loading
Finder score 8.4Great Virgin Money Balance Transfer Credit Card (24 Mths) Finder Award	Finder score 8.4Great	0% for 24 months (1.95% fee)	26.9 (4 fee)	24.9	£0	Enjoy exclusive offers and rewards on the Virgin Red app.	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	More info Compare product selectionCompare	loading
Finder score 7.5Great Virgin Money Everyday Cashback Finder Award	Finder score 7.5Great	24.9% (5% fee)	24.9 (5 fee)	24.9	£0	1% after £1 of monthly spend for introductory period of 3 months. 0.25% on £1 to £6000 of monthly spend. Maximum of £15 cashback paid per month. Cashback paid Monthly into Bank Account. Earn up to 15% cashback on participating Retailers, registration via mobile app required.	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	More info Compare product selectionCompare	loading
Finder score Not yet rated Virgin Money Balance Transfer Credit Card (30 Mths)	Finder score Not yet rated	0% for 30 months (2.45% fee)	26.9 (4 fee)	24.9	£0	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	More info Compare product selectionCompare	loading
Finder score 5.9Standard Virgin Money Travel Credit Card Finder Award	Finder score 5.9Standard	0% for 9 months (2% fee)	26.9 (4 fee)	24.9	£0	Enjoy exclusive offers and rewards on the Virgin Red app.	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	More info Compare product selectionCompare	loading
Finder score 7.3Great Virgin Money All Round Credit Card (16m) Finder Award	Finder score 7.3Great	0% for 16 months (3% fee)	26.9 (4 fee)	24.9	£0	Enjoy exclusive offers and rewards on the Virgin Red app.	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	More info Compare product selectionCompare	loading
Finder score 8.4Great Virgin Atlantic Reward Credit Card Finder Award	Finder score 8.4Great	0% for 6 months (3% fee)	26.9 (3 fee)	26.9	£0	Earn 3,000 bonus points with your first card purchase made within 90 days of account opening. Earn 0.75 Flying Club miles for every £1 spend and 1.5.miles for every £1 spend with Virgin Atlantic or Virgin Holidays. Spend £20K a year on your card and choose an extra benefit - an upgrade to Premium, or a Companion ticket. Points value varies dependent on reward (min 3000pts)	Representative example: Representative 26.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 26.9% p.a. (variable).	More info Compare product selectionCompare	loading
Finder score Not yet rated Virgin Money Travel Credit Card	Finder score Not yet rated	0% for 9 months (2% fee)	29.9 (4 fee)	27.9	£0	Representative example: Representative 27.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 27.9% p.a. (variable).	More info Compare product selectionCompare	loading
Finder score Not yet rated Virgin Money Balance Transfer Credit Card (18 Mths)	Finder score Not yet rated	0% for 18 months (2.25% fee)	29.9 (4 fee)	27.9	£0	Representative example: Representative 27.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 27.9% p.a. (variable).	More info Compare product selectionCompare	loading
Finder score Not yet rated Virgin Money Everyday Cashback	Finder score Not yet rated	27.9% (5% fee)	27.9 (5 fee)	27.9	£0	Representative example: Representative 27.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 27.9% p.a. (variable).	More info Compare product selectionCompare	loading
Finder score Not yet rated Virgin Money Balance Transfer Credit Card (27 Mths)	Finder score Not yet rated	0% for 27 months (3.5% fee)	29.9 (4 fee)	27.9	£0	Representative example: Representative 27.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 27.9% p.a. (variable).	More info Compare product selectionCompare	loading
Finder score Not yet rated Virgin Money Balance Transfer Credit Card (20 Mths)	Finder score Not yet rated	0% for 20 months (2.5% fee)	29.9 (4 fee)	27.9	£0	Representative example: Representative 27.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 27.9% p.a. (variable).	More info Compare product selectionCompare	loading
Finder score Not yet rated Virgin Money Balance Transfer Credit Card (13 Mths)	Finder score Not yet rated	0% for 13 months (0% fee)	29.9 (4 fee)	27.9	£0	Representative example: Representative 27.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 27.9% p.a. (variable).	More info Compare product selectionCompare	loading
Finder score Not yet rated Virgin Money All Round Credit Card (16m)	Finder score Not yet rated	0% for 16 months (3% fee)	29.9 (4 fee)	27.9	£0	Representative example: Representative 27.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 27.9% p.a. (variable).	More info Compare product selectionCompare	loading
Finder score 5.4Standard Virgin Money Balance Transfer Credit Card (12 Mths) Finder Award	Finder score 5.4Standard	0% for 12 months (2% fee)	29.9 (5 fee)	29.9	£0	Enjoy exclusive offers and rewards on the Virgin Red app.	Representative example: Representative 29.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 29.9% p.a. (variable).	More info Compare product selectionCompare	loading
Finder score 6.7Standard Virgin Money All Round Credit Card (12m) Finder Award	Finder score 6.7Standard	0% for 12 months (3% fee)	29.9 (5 fee)	29.9	£0	Enjoy exclusive offers and rewards on the Virgin Red app.	Representative example: Representative 29.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 29.9% p.a. (variable).	More info Compare product selectionCompare	loading
Finder score Not yet rated Virgin Money All Round Card (12 M) (Credit Builder)	Finder score Not yet rated	0% for 12 months (3% fee)	29.9 (5 fee)	29.9	£0	Representative example: Representative 29.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 29.9% p.a. (variable).	More info Compare product selectionCompare	loading
Finder score Not yet rated Virgin Money Travel Credit Card	Finder score Not yet rated	0% for 9 months (2% fee)	29.9 (5 fee)	29.9	£0	Representative example: Representative 29.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 29.9% p.a. (variable).	More info Compare product selectionCompare	loading
Finder score Not yet rated Virgin Money Everyday Cashback	Finder score Not yet rated	29.9% (5% fee)	29.9 (5 fee)	29.9	£0	Representative example: Representative 29.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 29.9% p.a. (variable).	More info Compare product selectionCompare	loading
Finder score Not yet rated Virgin Money BT Credit Card (16 M) (Credit Builder)	Finder score Not yet rated	0% for 16 months (3% fee)	29.9 (5 fee)	29.9	£0	Representative example: Representative 29.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 29.9% p.a. (variable).	More info Compare product selectionCompare	loading
Finder score 6.6Standard Virgin Money Balance Transfer Credit Card (14 Mths) Finder Award	Finder score 6.6Standard	0% for 14 months (2.5% fee)	29.9 (5 fee)	29.9	£0	Enjoy exclusive offers and rewards on the Virgin Red app.	Representative example: Representative 29.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 29.9% p.a. (variable).	More info Compare product selectionCompare	loading
Finder score 6.3Standard Virgin Money Balance Transfer Credit Card (21 Mths) Finder Award	Finder score 6.3Standard	0% for 21 months (3% fee)	29.9 (5 fee)	29.9	£0	Enjoy exclusive offers and rewards on the Virgin Red app.	Representative example: Representative 29.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 29.9% p.a. (variable).	More info Compare product selectionCompare	loading
Finder score 9.1Excellent Virgin Atlantic Reward+ Credit Card Finder Award	Finder score 9.1Excellent	0% for 6 months (3% fee)	26.9 (3 fee)	26.9	£160 per year	Earn 18,000 bonus points 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. Points value varies dependent on reward (min 3000pts)	Representative example: Representative 69.7% APR variable. Based on £160 annual fee, assumed borrowing of £1,200. Rate of interest 26.9% p.a. (variable).	More info Compare product selectionCompare	loading

Finder Score for credit cards

To make comparing even easier we came up with the Finder Score. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card – simple.

Read the full methodology

Approval for any credit card depends on your status. The representative APRs shown represent 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. Most of the data in Finder's comparison tables is provided by Defaqto.

How do Virgin Money credit cards work?

Virgin Money offers a variety of different credit cards which includes balance transfer deals, 0% purchase deals, 0% money transfer cards, and Virgin Atlantic reward 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.

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 Virgin Points to spend on 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 offers one of the best 0% interest on money transfer deals on the market.
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 loyalty points through everyday spending. These Virgin Points 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 cashback and reward offers.

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 Cashback?

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.

You can see the cashback offers in the app and once registered, all you’ll need to do is spend at the relevant retailers and you will earn cashback automatically.

The cashback can be added to your credit card account as a credit in around 3 to 5 working days. Or you can trade up and exchange your cashback for e-gift cards to use at selected retailers online or in store.

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. Virgin Red is a points scheme that lets you earn Virgin Points every time you spend. You can then spend your points on a range of rewards, whether that’s flights, a case of wine or days out with the family.

You can monitor your balance in the app and you’ll also be able to view the vouchers you’ve purchased. To use a voucher in person, take your phone to the retailer, show the code or QR code and collect the treat you’ve redeemed.

Our expert says: Cashback deals could be a big payday

"It’s worth having a look through the large list of retailers that offer cashback when you use your Virgin Money credit card to shop with them. Although the list of eligible retailers can change, there are lots of recurring brands, including Wowcher, Lego, National Express, Krispy Kreme, Enterprise Rent-A-Car and many more.

And the beauty of it is, you can combine your credit card spending cashback with other voucher codes and cashback offerings from websites and apps such as TopCashback, Quidco and Airtime Rewards. As an example, Laithwaites Wine can be found on all of these platforms, and these rewards can be combined at the same time – giving you 20% back with Virgin Money credit card cashback, 10% back with Airtime Rewards and 8.4% back with TopCashback. It can really pay off if you stack these deals.

Just make sure you remember to redeem your Virgin Money cashback. It will sit in your cashback wallet until you decide to claim it. You can choose to put the money towards your credit card bill, or you can earn an extra bonus by trading up for a gift card to spend at selected retailers."

Jordon Cox

Contributor

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 want to apply for and then fill out the online form. You’ll need to provide some basic information, such as your age, status and financial background. Virgin Money will then assess if you are eligible and this won’t affect your credit score. If you’re accepted, you can go ahead and apply in full.

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 judgment or a history of defaults, or if you don’t have a credit history.

Virgin Money customer reviews

In our 2025 customer satisfaction survey, 83% of customers said they would recommend Virgin Money to a friend.

Contact Virgin Money’s customer support

Live chat support	24/7 live chat support available in the app and on the website
Telephone support	For lost or stolen cards, call 0800 011 3210 For app help, call 0800 328 3579 If you have money worries, call 0800 028 6692
Closing your account	Go to the Virgin Money FAQ page and search ‘How do I close my account?’, this will take you to an online form which you need to fill out.
Order replacement card	Open the Virgin Money app, tap the card image at the top of the screen, select “Replace damaged card”, confirm your address, tap to confirm and you’ll see “it’s on its way”. Your card will arrive in between 7 and 10 working days.
Report card lost or stolen	Open the app, tap the card image at the top of the screen, select “Report card lost or stolen”, and click the option “I’ve lost my card”

Our verdict: Are Virgin Money credit cards any good?

Virgin Money offers a wide range of credit cards, whether you want to earn reward points, you’re looking to transfer a balance and spend on your card for less, or you want to carry out a money transfer. Many of its deals are competitive and you’ll be able to benefit from rewards and cashback programmes too.

But, as with any financial product, always compare what else is on the market first to be sure you’re making the right decision.

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. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.

Your reviews

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★★★★★ Hazel (Bristol) 6 months ago