Credit Card Issuers
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Virgin Credit Card Review
The Virgin Credit Card offers 0% interest on Balance Transfers for 14 months and 0% interest on New Purchases for 3 months.
You'll also receive a selection of offers including discounted products, experiences and travel (see Features list at the end of this page) together with a choice of card designs ranging from Virgin Red and Cool Black to Pretty Pink.
To qualify for the Virgin Money Credit Card, you'll need to be at least 25 years old and have a good credit history. If you do not meet this criteria, then consider the Capital One Classic Credit Card.
Card Summary
| Introductory |
| Balance Transfer Rate | 0% p.a. |
| Balance Transfer Period | 14 months |
| Balance Transfer Fee | 2.98% |
| Transfers Must Be Made Within | 60 days |
| Transfers to Current Account | Yes |
| Current Account Transfer Fee | 4% p.a. |
| New Purchase Rate | 0% p.a. |
| New Purchase Period | 3 months |
| Standard |
| Typical APR (variable) | 16.6% p.a. |
| Monthly Rate | 1.2916% |
| Interest Free Period on Purchases | 50 days (maximum) |
| Cash Advance Rate | 24.9% p.a. |
| Cash Advance Fee | 3% (min £3.00) |
| Minimum Age | 25 years |
| Minimum Payment | 3% (min £25.00) |
| Annual Fee | None |
| Foreign Exchange Fee | 2.75% |
| Benefits |
| Cashback | N/A |
| Loyalty Point Scheme | N/A |
| Purchase Protection | N/A |
| Travel Benefits | YES |
| Other Benefits | YES |
| Credit Card Issuer Information |
| Credit Card Issuer | Virgin Money (MBNA) |
| Merchant Network | MasterCard |
Benefits include (some conditions may apply)
- Money off where it matters - holidays, DVDs, music, games, gym fees, wine and much more. Your Virgin Credit Card opens the door to a world of Virgin discounts. It'll save you some serious money on car, home, pet and annual travel insurance too. Remember to check the terms and conditions for each offer.
- FIRST MONTH FREE WITH VIRGIN MEDIA If you're in a cable area, get 3 services for £30 with one month FREE. If not, don't fret, get 2 services for £19.99 with one month FREE and a Free TV Box. Just pay with your Virgin Credit Card to get the offer.
- 10% OFF AT VIRGIN WINES Lip-smacking vino for less. And if you order something that turns out not to be to your taste, you can even get a refund! And you'll get 10% off when you pay with your Virgin Credit Card.
- A MONTH OFF AT VIRGIN ACTIVE Get a month free when you join up with Virgin Active - just use your Virgin Credit Card to pay.
- 10% OFF AT VIRGIN HOLIDAYS City breaks, ski trips, family hols... whack 10% off the price of any holiday in Virgin Holidays brochures simply by paying with your Virgin Credit Card.
- 10% OFF AT VIRGIN TRAINS Going by train? Go with 10% off a Virgin Trains Value Advance fare. Pay with your Virgin Credit Card to get your discount.
- 20% OFF AT VIRGIN EXPERIENCES 20% off a load of Virgin Experience Days, including high-speed driving, flying lessons, bungee jumping, pamper and spa days, hampers and loads more.
- 10% OFF CAR, HOME, PET AND ANNUAL TRAVEL INSURANCE Life's necessities on a budget. Get 10% off essential cover for your car, home, holidays and pets. Yup, you guessed it - just by paying with your Virgin Credit Card.
- Choice of Card Designs
