Virgin Money Credit Card

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  • Intro Balance Transfer Duration:
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  • 3%
  • 27.9% p.a.
  • 18 months
  • 2.89%
  • 0% p.a.
  • 3 months
  • 0% p.a.
  • 16.8% p.a. variable
  • 18.9% p.a.
  • 16.8% p.a.


  • One of the best balance transfer offers available

  • Ability to transfer funds to your current account

  • Discounts available from other Virgin businesses


  • Limited duration of 3 months on purchases

  • Cash advances are expensive

Best Features of the Virgin Money Credit Card

  • 0% balance transfer for 18 months
  • 0% on purchases for 3 months
  • Send money to your current account or other credit card
  • Save money on Virgin Holidays, Virgin Wine & more
  • Read the terms and conditions

Our Review

If you have found yourself swamped in debt, paying over the odds on interest charges then consider switching to the Virgin Money credit card where you’ll get 18 months of 0% p.a. interest to pay off your balance. The Virgin Money account is one of the leading balance transfer cards on the market. Not only this, but all cardholders get access to Virgin’s discount club where you can save money on anything from travel to shopping.

Who it’s for

The Virgin Money credit card is aimed at anyone who wants a low cost credit card. If you’re paying through the nose in interest with your current credit card provider, then consider switching to this card to start saving. Similarly, if you want access to exclusive Virgin deals and discounts then look no further.


There are no salary requirements, but Virgin require you to be over the age of 18, a UK resident and own an open bank or building site account.

Balance transfers

As mentioned already, the Virgin Money card is one of the best accounts on the market if you want to transfer a balance. Virgin offer new account holders an 18 months interest free period on all transfers – do bear in mind that you must transfer within the first 6 months of opening the account. After the introductory period, the rate goes up to 18.9% p.a.. All balance transfers are subject to a 2.89% handling fee, which is slightly higher than the industry average but locking in 0% p.a. for 18 months will offset it in the reduced interest.


Virgin offer 0% p.a. interest on all purchases for the first 3 months, thereafter the rate is a competitive 16.8% p.a.. However, Virgin also offer account holders 50 days interest free on all purchases so long as you can afford to pay off the balance in full at the end of the month you won’t have to pay any interest.


This Virgin credit card is more than just a credit card, it also gives you access to a world of exclusive discounts. Save money on all Virgin products and services including 10% off Virgin Holidays, 10% off Virgin Wine and 1 month’s free gym membership at Virgin Active.

Cash advances

You can use your Virgin Money card globally wherever you see a cash point. Just be mindful that the interest rate on cash advances is a whopping 27.9% p.a., so it’s best to use it only in emergencies. Virgin also charge a cash advance fee of 3%.

Security & fraud protection

Virgin offers a fraud guarantee service backed by MBNA. This protects you against any fraudulent activity and gives you peace of mind that you won’t be liable to pay any money back should an unauthorised transaction take place. Besides this, the Virgin Money card also features MasterCard’s SecureCode technology that makes online shopping even safer!


The Virgin Money credit card is ideal for moving outstanding balances from other credit card providers. Its competitive 18 months 0% p.a. balance transfer rate is a very strong selling point, just be wary of cash advances. It also comes with a great range of rewards to choose from and state-of-the-art credit card security to protect you against fraud. This card offer is an all-round winner!