Rating based on 57 reviews

Virgin Money Credit Card

  • Manage your card online
  • Pay with ease
  • Low-interest starting from 18.9%

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Virgin Money homepage
Author Virgin Money. Screenshot of Virgin Money website.
[Accessed March 25, 2020]

About Virgin Money

Get a credit card from a bank that has a lot to offer

Virgin Money offers a wide range of financial solutions. They began with the focus only on credit cards and insurance products. This soon expanded to other products and services such as savings and investment products, mortgages, and pensions.

Virgin Money has established itself well over the past few years. This is not only true in the United Kingdom but also in other countries. Virgin has reached out to Australia, Italy, Thailand, South Africa, and many more. 

From humble beginnings to an empire

Virgin Money was founded by Sir Richard Branson in March of 1995. They operate in the United Kingdom as a banking and financial services brand. It was then originally known as Virgin Direct. In 2009 Virgin applied for its own banking license. Through the acquisition of Church House Trust the following year they gained their own banking license.

A bank that gives more

In October 2009, the not-for-profit company, now known as Virgin Money Giving, was set up. A five-year deal was signed by the Virgin group to be the official sponsor of the London Marathon.

The aim of this sponsorship was to help all fund-raisers to raise more money for good causes. Since 2014 the race has been known as the Virgin Money London Marathon.

A credit card that works for you

Just like other banks, Virgin Money has a credit card deal that is best suited to the main reason of purpose. If you only want to make transfers, they have you covered. For transferring balances and everyday purchases, there is a credit card for that too. Whatever your credit card needs, Virgin Money has a deal for you.

Virgin Money Services

When you get a credit card from Virgin Money you can be sure that you are part of the family.

With being part of the family comes quite a few benefits. These benefits are amazing, to say the least. You will enjoy things like savings on everyday essentials as well as savings on the holiday of your dreams.

A credit card app that keeps giving

Another exciting feature from Virgin Money is the Virgin Money bank account. You simply log into your credit card app and sign up at the Money Back Page.

Each offer will show you where to spend your money in order to earn cashback. The cashback that you will be earning will be sent to your Virgin Money bank account within 35 days.  

See if you qualify before you apply

By going online and using Virgin Money's online card checker you can find out if you qualify for a credit card even before you apply.

Checking eligibility does not affect your credit record at all. With a few details about yourself, your income, and your address, you will get a clear answer of whether you will qualify or not.

Virgin Money covers loans for every occasion

With a personal loan from Virgin Money, the possibilities are endless. This flexible personal loan from Virgin Money ranges between £1,000 and £35,000. The personal loan is payable over 1 to 5 years. The application is simple and will only take a few minutes of your time.

When it comes to responsible finance, Virgin Money takes the lead. You can be sure that they can cater to your every financial need. Getting a credit card from Virgin Money is a good choice. Choose wisely, choose a Virgin Money credit card today.

Virgin Money – Credit card

  • Loan Type Credit cards
  • Interest Rate from 18.9%

Benefits of Virgin Money

  • No minimum credit limit
  • No annual fees
  • Balance transfer
  • Earn flying club miles

Apply for a credit card from Virgin Money and save big

If you are in line with the necessary requirements to apply for a Virgin Money credit card and you have the documentation on hand, you can start your application process.

Criteria to meet before you apply

  • Confirmation that you are 18 years old or older.
  • You have to be a UK resident.
  • You must have a bank or building society account.
  • You will need to prove that you have a good credit history.
  • Prove household income of at least £15,000.

Documents needed for the credit card application

  • A bank or building society account number and sort code.
  • The details of any accounts that you want to make the balance transfers from.

Step one

Fill in the first section of the application form regarding your personal details. These will include your contact details and address as well as your income and expenses.

Step two

The next section of your credit card application will handle your account. Remember to answer each question honestly. You can indicate what you are looking for and then you submit your application.

Step three

After the submission, your credit card application will be reviewed. Once the review has been completed they will let you know if it was approved.

Step four

After the confirmation of approval on your Virgin Money credit card, you will receive the contract that will outline your deal in detail. If you agree with the contract you will sign and submit it. Soon you will be in possession of a brand new credit card from Virgin Money.

Virgin Money credit card benefits

  • You are able to manage your credit card
  • There are many rewards.
  • You can check eligibility before you apply.

Customer Reviews & Testimonials

February 2021

With the Virgin Money credit card, I was surprised at how easy and quick the application process went. The rewards on their credit card deals are awesome. In all my searches I could not find a be...

Caleb B
— York —

September 2021

I can honestly say that I never imagined a credit card application to be this easy. I had the entire form completed in no time at all. Virgin Money offers unbeatable deals and with their added re...

William D
— Cardiff —

September 2021

I am going to recommend the Virgin Money credit card to everyone I know. This was the easiest application I had ever completed. Their website is funky and explains everything in detail. Thank you...

Sarah J
— Leeds —

Virgin Money Contact

Physical Address

  • Virgin Money, Savings Operations, Jubilee House Gosforth Newcastle upon Tyne NE3 4PL United Kingdom
  • Get Directions

Postal Address

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

Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 17:00
  • Saturday 09:00 – 13:00
  • Sunday – Closed