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Virgin Money Credit Card Review

The Virgin Credit Card offers 0% interest on Balance Transfers for 15 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.

Summary

Introductory
Balance Transfer Rate	0%
Balance Transfer Period	15 months
Balance Transfer Fee	2.98%
New Purchase Rate	0%
New Purchase Period	3 months
Standard
Typical APR (variable)	15.90%
Monthly Rate	1.24%
Interest Free Period on Purchases	50 days (maximum)
Cash Advance Rate	24.90%
Cash Advance Fee	3% (min £3.00)
Minimum Payment	3.00% (min £25.00)
Annual Fee	N/A
Foreign Exchange Fee	2.75%
Benefits
Cashback	N/A
Loyalty Point Scheme	N/A
Purchase Protection	N/A
Travel Benefits	Yes
Other Benefits	Yes

Details correct at time of publication 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 hol 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