Skip to main content

Product overview

Balance transfers rate 16 months at 0%

then 24.9% p.a. (variable)

Money transfers rate 12 months at 0%

then 26.9% p.a. (variable)

Purchases rate 13 months at 0%

then 24.9% p.a. (variable)


Balance transfer fee 3.00% fee
Money transfer fee 4.00% fee

All promotional rates start from the date your account is opened and apply to transfers made in the first 60 days. 5% handling fee will apply to any balance and money transfers made after the first 60 days.

If we do not receive the minimum payment when it is due or you go over your credit limit, we will withdraw the promotional rate with effect from the start of the statement period.

Representative example

Purchase rate The purchase rate is the interest rate we will charge on any purchases you make with your Virgin Money Credit Card. When you open your account you may be offered a purchase rate. After that, we'll increase it to the rate shown here. 24.9% p.a. (variable) on card purchases
Equivalent to APR stands for Annual Percentage Rate. It is made up of the standard interest rate on purchases, outside of any promotional rate, along with any other charges you may have to pay. You can use this rate to compare different credit cards. 24.9% APR representative (variable)
Based on borrowing £1,200

Credit limits will vary based on your individual circumstances.

Check your eligibility

Let us know a little about yourself and what you're looking for and we'll show you your personalised results. It takes less than five minutes and won't affect your credit rating.

  1. Quick and easy
  2. Doesn't affect your credit rating
  3. Apply with confidence

Everything you expect as standard

Frequently asked questions

View all credit card questions and answers