Compare Virgin Money Credit Cards

Updated: 29th July 2021

Virgin, known for its music, airline, entertainment, combines all the positives of being part of larger enterprise with its Virgin Money credit cards. Offering competitive and attractive deals with cards that include rewards, travel benefits and interest-free offers, Virgin Money has you covered.

We’ve scoured the portfolio to compare Virgin Money credit cards, focusing on the length of its introductory offers, travel benefits, standard rewards and extra special features.

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Here are MyWalletHero’s picks for best Virgin Money cards

Credit card offers from our affiliate partners appear first and are ordered from highest rating to lowest, followed by other top-rated offers. You can read more about our ratings and page sort here. Offers from affiliate partners are marked with a *.

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Great for: Collecting rewards
4 stars question mark

The Virgin Atlantic Reward Credit Card provides the opportunity to earn and spend rewards through Virgin Atlantic as well as a variety of the company’s partners. Cardholders get 0.75 Virgin Points for every £1 spent on the card. The card’s balance transfer and money transfer offer help to differentiate it from rivals (though note the 3% transfer fee).

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CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 0.75 Flying Virgin Points for every £1 spent on the card
  • 1.5 Virgin Points for every £1 spent with Virgin Atlantic or Virgin Holidays
  • No annual fee
  • After £20,000 in annual spend, option to choose an upgrade to Premium or get a Companion ticket

REPRESENTATIVE EXAMPLE

Representative rate 22.9% APR (variable)
Purchase rate 22.9% p.a. (variable)
Based on borrowing £1,200

what we like

  • 0.75 Virgin Points for every £1 spent on the card
  • 0% interest for 6 months on balance and money transfers (3% fee applies)
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    22.9%
  • INTRO OFFER:

    5,000 Flying Club miles with one purchase within 90 days
    6 months 0% interest on balance and money transfers

KEY SCORES:

  • 5/5 Perks
  • 4/5Fees
  • 3/5APR

HIGHLIGHTS

  • 0.75 Flying Virgin Points for every £1 spent on the card
  • 1.5 Virgin Points for every £1 spent with Virgin Atlantic or Virgin Holidays
  • No annual fee
  • After £20,000 in annual spend, option to choose an upgrade to Premium or get a Companion ticket

REPRESENTATIVE EXAMPLE

Representative rate 22.9% APR (variable)
Purchase rate 22.9% p.a. (variable)
Based on borrowing £1,200
Great for: Very long balance transfer period
4 stars question mark

If you’re looking for an extra long balance transfer period, this may be the credit card you’re looking for. This card is all about the core interest-free offerings. It has a long 0% balance transfer term of 29 months (3% balance transfer fee). This is combined with 0% on money transfers for 20 months (4% fee here) and 0% on purchases for three months. In a relatively cautious lending market, it is rare to find a card that offers an interest-free term on all three features.

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CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 0% for 29 months on balances transferred in the first 60 days (3% fee applies)
  • 0% on purchases for three months
  • 0% for 20 months on money transfers made in the first 60 days (4% fee applies)
  • No annual fee
  • Virgin Money Back cashback scheme and other benefits

REPRESENTATIVE EXAMPLE

Representative 21.9% APR variable
Purchase rate 21.9% variable for purchases
Credit limit Assumed credit limit of £1,200
Annual fee No annual fee

what we like

  • 0% on balance transfers for 29 months (3% fee applies)
  • 0% on purchases for three months
  • 0% on money transfers for 20 months (4% fee applies)
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    21.9%
  • INTRO OFFER:

    29 months 0% interest on balances transferred in the first 60 days

KEY SCORES:

  • 3/5 Perks
  • 3/5Fees
  • 3/5APR

HIGHLIGHTS

  • 0% for 29 months on balances transferred in the first 60 days (3% fee applies)
  • 0% on purchases for three months
  • 0% for 20 months on money transfers made in the first 60 days (4% fee applies)
  • No annual fee
  • Virgin Money Back cashback scheme and other benefits

REPRESENTATIVE EXAMPLE

Representative 21.9% APR variable
Purchase rate 21.9% variable for purchases
Credit limit Assumed credit limit of £1,200
Annual fee No annual fee
Great for: No foreign transaction fees plus 0% interest offers
4 stars question mark

This card charges no fees for overseas use, so making spending abroad more affordable, plus it offers 9-month interest-free introductory periods for purchases and balance transfers, so that you can pay for your holiday in the first place. Add to that travel discounts for Virgin Holidays and the offer of cashback on travel insurance, and you have a good all-round travel package.

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CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • No foreign transaction fees
  • 0% interest for 9 months on purchases
  • 0% interest for 9 months on balance transfers

REPRESENTATIVE EXAMPLE

Representative rate 21.9% APR (variable)
Purchase rate 21.9% p.a. (variable)
Based on borrowing £1,200

what we like

  • No foreign transaction fees
  • 0% interest for 9 months on purchases
  • 0% interest for 9 months on balance transfers
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    21.9%
  • INTRO OFFER:

    9 months 0% interest on balance transfers and purchases

KEY SCORES:

  • 4/5 Perks
  • 5/5Fees
  • 2/5APR

HIGHLIGHTS

  • No foreign transaction fees
  • 0% interest for 9 months on purchases
  • 0% interest for 9 months on balance transfers

REPRESENTATIVE EXAMPLE

Representative rate 21.9% APR (variable)
Purchase rate 21.9% p.a. (variable)
Based on borrowing £1,200
Great for: Long 0% interest on purchases and balance transfers
3.5 stars question mark

The Virgin Money All Round Credit Card could help you to reduce interest payments on existing debt. It also stacks up well versus other 0% APR credit cards, since it offers a 19-month introductory 0% interest rate on purchases. Its range of rewards and offers could make it appealing to a broad range of consumers.

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CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 0% interest for 19 months on purchases
  • 0% interest for 19 months on balance transfers (2.9% fee applies)
  • No annual fee
  • Discounts from Virgin Group companies when using your card
  • Access to Virgin Money Back for online shopping

REPRESENTATIVE EXAMPLE

Representative rate 21.9% APR (variable)
Purchase rate 21.9% p.a. (variable)
Based on borrowing £1,200

what we like

  • 0% interest for 19 months on purchases
  • 0% interest for 19 months on balance transfers (2.9% fee applies)
  • No annual fee
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    21.9%
  • INTRO OFFER:

    19 months 0% interest on purchases
    19 months 0% interest on balance transfers

KEY SCORES:

  • 4/5 Perks
  • 3/5Fees
  • 3/5APR

HIGHLIGHTS

  • 0% interest for 19 months on purchases
  • 0% interest for 19 months on balance transfers (2.9% fee applies)
  • No annual fee
  • Discounts from Virgin Group companies when using your card
  • Access to Virgin Money Back for online shopping

REPRESENTATIVE EXAMPLE

Representative rate 21.9% APR (variable)
Purchase rate 21.9% p.a. (variable)
Based on borrowing £1,200

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