Rating based on 604 reviews


Virgin Money

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 introductory offers such as 0% interest fees on all purchases or 0% interest on all balance transfers.

To provide you with a credit card we will:

  • Confirm your information
  • Run the necessary 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 competitive 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 available that are the most affordable and competitive on the market.

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 the credit limit

Features of Virgin Money’s Low Rate Credit Card

  • 7.67% interest on balance transfers for a lifetime of balance after which an 18.9% interest rate applies
  • 7.67% interest on money transfers for a lifetime of balance after which a 20.9% interest rate applies
  • 6.27% interest on purchases for a 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 a credit limit

Customer Reviews & Testimonials

June 2019

I get so many benefits and perks just by using my Virgin Money credit card. That puts a smile on my face!

Harry W
— Portsmouth —

June 2019

Fast, simple and they’re completely open. On top of that, my credit card rate is very affordable.

Jacqueline M
— Stoke-on-Trent —

 Contact Details

Virgin Money, Savings Operations, Jubilee House, Gosforth, Newcastle upon Tyne, NE3 4PL, United Kingdom
Ph: 0800 389 2875 / 0800 092 1321
Fx: 18001 08000 150 306
Em: info@virginmoney.com
Em: customerrelations@virginmoney.com

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