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Cards - Make more of your money whether you're shopping or transferring a balance

Cards - Make more of your money whether you're shopping or transferring a balance

Compare our cards

	Virgin Credit Card	Virgin Atlantic White Card	Virgin Atlantic Black Card	Virgin Prepaid MasterCard
Card type	MasterCard from MBNA	American Express® from MBNA	American Express® from MBNA	MasterCard
This card would suit you if...	You are looking to save money by transferring a credit card or loan balance to us.	You would like to earn Flying Club miles to spend on great rewards, like flights and upgrades.	You would like to earn Flying Club miles twice as fast.	You don’t have a bank account or have a poor credit rating.
Balance transfer rate	0% on balance transfers for 16 months, from the date your account is opened. (Rate applies to transfers made in the first 60 days)	0% on balance transfers for 6 months, from the date your account is opened.	0% on balance transfers for 6 months, from the date your account is opened.	n/a - Spend on this card just like a credit card and use it wherever you see the MasterCard acceptance mark. The difference is you load it up with your money before you shop, rather than paying for it afterwards.
Balance transfer handling fee	2.98%	2%	2%	n/a
Purchase rate	0% on all purchases made with the card for 3 months†, from the date your account is opened.	17.9% p.a. (variable) on all purchases made with the card.	18.9% p.a. (variable) on all purchases made with the card.	A transaction fee of 2.95% is applied for card purchases and cash withdrawals.
Typical rate	16.6% APR (variable)	17.9% APR (variable)	37.1% APR* (variable) *This figure includes the annual fee.	n/a
Card benefits	Save money by transferring a balance to us. Enjoy exclusive discounts at Virgin companies and high street stores - money off petrol, shopping, broadband, mobiles and lots more.... Plus free purchase protection and travel accident cover. Conditions apply.	3,000 Flying Club miles when you make your first card purchase within 90 days of your account opening. 1 mile for every £1 you spend. 2 miles for every £1 when you spend direct with Virgin Atlantic or Virgin Holidays. Earn Premium Economy reward upgrades, and complimentary companion reward flights. Conditions apply	6,000 Flying Club miles when you make your first card purchase within 90 days of your account opening. 2 miles for every £1 you spend. 4 miles for every £1 when you spend direct with Virgin Atlantic or Virgin Holidays. Earn Premium Economy reward upgrades, and complimentary companion reward flights. Conditions apply	This card is available to UK residents aged 13+. You don’t even need to have a bank account. Use it to shop securely, including online. Use it to store holiday money while you are travelling. Enjoy all the same discounts that come with the Virgin Credit Card.
Secure chip and PIN?
Interest free period	50 days interest free on card purchases, as long as you pay your statement balance in full and on time every month.	46 days interest free on card purchases, as long as you pay your statement balance in full and on time every month.	46 days interest free on card purchases, as long as you pay your statement balance in full and on time every month.	n/a
Annual fee			£115	There’s no annual fee - just pay £9.95 for the card and that’s it.
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† For full details of how we allocate your repayments, particularly when promotional offers have the same rate, please see paragraph 2f of your terms and conditions.