Virgin Money 12 Month Travel Credit Card Mastercard review April 2019

Virgin Money 12 Month Travel Credit Card Mastercard
Virgin Money 12 Month Travel Credit Card Mastercard

Enjoy fee-free overseas spending and 0% on balance transfers with this all-rounder from Virgin Money.

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.

Key features at a glance

IssuerVirgin Money
NetworkMastercard
Annual/monthly fees£0
Balance transfers0% for 12 months reverting to 21.9%
Balance transfer fee2% for 2 months reverting to 5%
Purchases0% for 12 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.
Annual/monthly fees£0
Balance transfer fee2% for 2 months reverting to 5%
Money transfer fee4% for 12 months reverting to 5%
Foreign usage charge (EU)0%
Foreign usage charge (rest of world)0%
Cash advance fee3% (min. £0)
Late payment fee£9
Exceeding limit fee£9
Additional card fee£0
Replacement card fee£0
Dormancy fee£0
Minimum Age18
Minimum income£7,000
AvailabilityAvailable to new customers
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).
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Compare cards with no overseas transaction fees

Comparison ordered by representative APR with affiliated products shown first.
Updated April 21st, 2019
Name Product Purchases Balance transfers Annual/monthly fees Rep. APR Incentive Representative example
9.9%
6.9%
£0
9.9%
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
9.9%
6.9%
£0
9.9%
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
24.9%
N/A
£0
24.9%
No fees for making purchases or withdrawing cash abroad – currencies are converted at the standard Mastercard exchange rate.
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
9.9%
6.9%
£0
9.9%
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
9.9%
9.9%
£0
9.9%
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
9.9%
9.9%
£0
9.9%
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
12.9%
12.9%
£0
12.9%
Representative example: When you spend £1,200 at a purchase rate of 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).
14.71%
N/A
£0
14.7%
Coutts Travel Rewards available if you shop in the US between 1.7.17 and 30.9.19.
Representative example: When you spend £1,200 at a purchase rate of 14.71% (variable) p.a., your representative rate is 14.7% APR (variable).
0% for 12 months reverting to 15.9%
0% for 12 months reverting to 15.9%
£0
15.9%
Representative example: When you spend £1,200 at a purchase rate of 15.9% (variable) p.a., your representative rate is 15.9% APR (variable).
0% for 12 months reverting to 18.9%
0% for 1 months reverting to 18.9%
£0
18.9%
Retailer offers - 5 Welcome offers of up to 25% cashback at well-known retailers (must switch on Retailer Offers within 60 days of activating card).
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).

Compare up to 4 providers

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 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.

*Disclaimer: The offers compared on this page are chosen from a range of products finder has access to track details from and is not representative of all the products available in the market. Unless indicated otherwise, products are displayed in no particular order or ranking. The use of terms "Best", "Top", "Cheap" including variations, are not product ratings and are subject to our terms of use. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

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