Virgin Money

Virgin Money – Credit Cards
image of Virgin Money
image of Virgin Money

About – Virgin Money

Credit cards are a form of short term credit - today many credit cards come with amazing benefits, features and uses. These handy financial tools allow you to spend a certain amount of money (called your credit limit) and repay it in installments. Most card comes with exceptional intodutory offers suchas 0% interest fees on all purchases or 0% interest on all balance transfers.

Virgin Money has a range of credit cards availabe that are the most affordable and competative on the market.

To provide you with a credit card we will:

  • Confirm your information
  • Run the necccessary credit check 
  • Evaluate your income and costs to ascertain your ability to make the payments and set a credit limit that works with your budget
  • We might at times ask for additional data from you, for instance to provide a self evaluation form if you are self-employed

Why you should choose Virgin Money:

  • We will offer you the credit card limit you qualify for, you can decide to go with a lower amount.
  • We have adaptable repayment terms, pay your credit balance off with no penalties. 
  • We are straightforward, there are no hidden fees or charges.
  • Our late fees are sensible and in accordance with or littler than of most other traditional lenders.

Services – Virgin Money

We all need credit, and having plastic accessible when you're a bit tight for cash, helps a lot. Virgin Money offers a dynamic and crisp online application to our unique and competative range of credit cards.

Utilizing credit has many benefits, including: 

  • Convenience. Utilizing credit cards when you travel or shop is more convenient than carrying cash. It additionally gives a helpful record of all your purchases so you know exactly where your money went. Utilizing a credit card additionally may provide you some dealing force if there is a question or contradiction regarding a purchase.
  • 0% interest. Taking out a personal loan, payday loan or any other form of credit will cost you in both interest and fees - with a credit card you can buy what you need without paying any interest for the introductory period! From the date your account is opened. Up to 50 days interest free on card purchases. 
  • No yearly charge - it's as simple as that.
  • Use other people's cash. Amid the time between when you purchase something with credit and when you pay the bill, you're really utilizing another person's cash - the banks, and that's all good if you're not paying any interest.
  • Utilize your credit card to deal with unexpected costs. Unforeseen costs, for example, car repairs or wellbeing needs can be met quickly with credit.
  • Buy something you can't manage the entire cost of now. In the event that you can't afford to pay cash for a car or other expansive buy, utilizing credit permits you to get whatever you need - NOW!

Summary of Services

  • Credit Cards



Apply for a Credit Card from Virgin Money and Save Big

Virgin Money has a range of credit cards that come at competitive rates, offer fantastic terms, inspiring rewards and simply transparent so the deal that we advertise is the deal that you’ll get if approved. If you're looking for a balance transfer card that will help you save interest from your other credit cards and store debts or a money transfer card that allows you to transfer money to your current account, Virgin Money has the credit card, the top deal, the lowest rates and biggest rewards to offer you.

Features of Virgin Money’s 40 Month Balance Transfer Credit Card

  • 0% interest on balance transfers for 40 months at a fee of 2.59%
  • 0% interest on money transfers for 40 months at a 4% fee
  • 0% interest on purchases for 3 months
  • Representative 18.9% APR variable  
  • Cash transactions charged at 27.9% per annum (effective rate)
  • All 0% introductory offer valid for purchases/balance transfer/money transfers made within 60 days of opening
  • Minimum repayment £25 on your credit card per month
  • No minimum credit limit
  • No annual fees
  • 2.99% charge for all non-sterling transactions

Features of Virgin Money’s All Round Credit Card

  • 0% interest on balance transfers for 18 months after which an interest rate of 18.9% per annum applies
  • 0% interest on money transfers for 18 months after which a 20.9% interest rate per annum applies
  • 0% interest on purchases for 18 months after which an interest rate of 18.9% per annum applies
  • Representative 18.9% APR variable
  • Cash transactions charged at 27.9% per annum (effective rate)
  • All 0% introductory offer valid for purchases/balance transfer/money transfers made within 60 days of opening
  • Minimum repayment £25 on your credit card per month
  • No minimum credit limit
  • No annual fees
  • 2.99% charge for all non-sterling transactions
  • £9 penalty fee for exceeding credit limit

Features of Virgin Money’s Low Rate Credit Card

  • 7.67% interest on balance transfers for lifetime of balance after which a 18.9% interest rate applies
  • 7.67% interest on money transfers for lifetime of balance after which a 20.9% interest rate applies
  • 6.27% interest on purchases for lifetime of balance after which an interest rate of 18.9% per annum applies
  • Representative 6.4% APR variable
  • Cash transactions charged at 27.9% per annum (effective rate)
  • Minimum repayment £25 on your credit card per month
  • No minimum credit limit
  • No annual fees
  • 2.99% charge for all non-sterling transactions
  • £9 penalty fee for exceeding credit limit

Contact Details

Virgin Money, Savings Operations, Jubilee House
Gosforth
Newcastle upon Tyne
United Kingdom

Phone: 0800 389 2875 / 0800 092 1321

Fax: 18001 08000 150 306

Email: info@virginmoney.com
Other Email: customerrelations@virginmoney.com

Postal Address

Virgin Money Jubilee House Gosforth
Newcastle upon Tyne
NE3 4PL
United Kingdom

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