Virgin Money 18 Month All Round Credit Card Mastercard review 2020

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This card has the longest 0% deals among Virgin Money's three “all round” credit cards.

You say: ★★★★★We say: ★★★★★

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).

21.9%

Representative APR

18 months

0% interest on balance transfers

15 months

0% interest on purchases

12 months

0% interest on money transfers

Details

IssuerClydesdale Bank
NetworkMastercard
Annual/monthly fees£0
Balance transfers0% for 18 months reverting to 21.9%
Balance transfer fee2.9% for 2 months reverting to 5%
Purchases0% for 15 months reverting to 21.9%
Purchases interest-free periodUp to 50 days
Money transfers0% for 12 months reverting to 23.9%
Cash advances27.9%
Min credit limit£0
Max credit limitNot specified
Additional cards available3
IncentiveEarn cashback when you shop online with over 500 top brands with Virgin Money Back.

Expert review

Chris Lilly

Review by


Chris Lilly is a publisher at finder.com. He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.

Expert review

If you’re looking for a card that offers different types of 0% deals, this card is one of the best you can apply for with Virgin Money. It gets you its longest 0% period on purchases (15 months), plus 18 months on balance transfers and money transfers. Virgin Money offers two more “all round” credit cards, but this has the longest 0% deals.

More in general, the good thing about Virgin Money’s 0% cards is that there are a lot of them. Calculate how long it will take you to repay your old balance, your upcoming purchase or both, then just pick the card that comes closer to what you need. You can compare them all on this page.

On the downside, other credit card companies often have longer deals than Virgin, and the balance transfer and money transfer fees are also quite expensive. So, if you need to both pay back an old balance and spread out the cost of an upcoming purchase, you may want to compare other dual credit cards on the market.

Finally, spending with this card will allow you to earn cashback at selected retailers thanks to a scheme called Virgin Money Back. This is a comparatively rare reward among 0% credit cards.

Pros and cons

Pros

  • Customers report excellent customer service when dealing with Virgin Money
  • Over a year of 0% interest to focus on reducing existing card debt
  • Over a year to spread the cost of purchases
  • A year of 0% interest on funds you transfer out from the card
  • No annual fee

Cons

  • Applicants with low credit scores are unlikely to be eligible
  • Don't forget that balance transfer fee! If cutting the interest on existing card debt is your main reason for considering this card, check out no-fee deals first
  • Relatively high money transfer fee

How does this card compare with similar products on the market?

Table: sorted by representative APR, promoted deals first
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).
Check eligibility
More Info
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).
Check eligibility
More Info
M&S Bank Transfer Plus Mastercard
0% for 6 months reverting to 19.9%
0% for 28 months
(2.85% 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).
Check eligibility
More Info
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).
Check eligibility
More Info
Santander All in One Credit Card
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).
More Info
Tesco Bank Clubcard Plus Credit Card Mastercard
0% for 24 months reverting to 19.944%
21.814%
(3.99% fee)
£7.99 per month
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. with a fee of £7.99 per month, your representative rate is 37.7% APR (variable).
More Info
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).
More Info
Sainsbury's Bank Dual Offer Credit Card Mastercard
0% for 20 months reverting to 21.95%
0% for 20 months
(3% fee)
£0
21.9% (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 3 Nectar points per £1 spent in Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 21.95% (variable) p.a., your representative rate is 21.9% APR (variable).
More Info
Tesco Bank Purchases Card
0% for 18 months reverting to 19.944%
0% for 3 months
(2.9% fee)
£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).
More Info
Santander World Elite Mastercard
0% for 18 months reverting to 18.9%
0% for 18 months
(0% fee)
£15 per month
49.8% (variable)
0.5% on £1 to £3000 of monthly spend. Maximum of £15 cashback paid per month. 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 18.9% (variable) p.a. with a fee of £15 per month, your representative rate is 49.8% APR (variable).
More Info
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Repayment options

When it comes to repayments, you can make manual repayments online or over the phone (0800 389 2875), or alternatively set up a direct debit. A direct debit is a great idea because it protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee or losing any promotional rates as a result. You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:

Minimum amount Fixed amount Fixed percentage Full amount

How to apply for the Virgin Money 18 Month All Round Credit Card Mastercard

You can apply for this card online in around 15 minutes. Before you apply, check that you meet the eligibility requirements and have the information and documents you’ll need to make the process as straightforward as possible. Don’t forget to include the details of any other people you’d like to be cardholders.

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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