Virgin Money 12 Month Travel Credit Card Mastercard review September 2019
Enjoy fee-free overseas spending and 0% on balance transfers with this all-rounder from Virgin Money.
0% interest on balance transfers
0% interest on purchases
Foreign transaction charge
|Balance transfers||0% for 12 months reverting to 21.9%|
|Balance transfer fee||2% for 2 months reverting to 5%|
|Purchases||0% for 12 months reverting to 21.9%|
|Purchases interest-free period||Up to 50 days|
|Money transfers||0% for 12 months reverting to 23.9%|
|Min. credit limit||£0|
|Max credit limit||Not specified|
|Additional cards available||3|
|Incentive||Earn cashback when you shop online with over 500 top brands with Virgin Money Back.|
If you’re heading abroad and want a card that won’t penalise you with fees every time you use it, this versatile deal could be worth a closer look.
Plus if you already have an outstanding balance on another card, you’ll be able to take advantage of the 0% introductory period on balance transfers too.
Compare cards with no overseas transaction fees
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 12 Month Travel Credit Card Mastercard
If you’ve compared cards and want to apply, completing the secure online application form takes about 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.