Following Court approval on 23 February 2026, Virgin Money's business transferred to Nationwide on 2 April 2026. We will no longer be able to complete balance transfers from Nationwide to Virgin Money, and vice versa.
Find me a card that lets me
Earn Virgin Points
Earn points whenever you spend on your Virgin Atlantic Credit Card. Swap points for flights, upgrades and so much more.
Representative 26.9% APR (variable).
Transfer a balance
Move all your current credit card debts to just one card.
Representative 27.9% APR (variable).
Transfer a balance and make everyday purchases
If you're looking to spend on your card - at home or abroad - and transfer a balance, do it all with one card.
Representative 27.9% APR (variable).
Spend fee-free worldwide
Pay no foreign exchange fees when you spend abroad.
Representative 27.9% APR (variable).
Earn cashback
Earn 1% cashback for the first 90 days. 0.25% cashback after that. Up to £15 cashback a month.
Representative 27.9% APR (variable).
Credit is available, subject to status, only to UK residents aged 18 or over. Fees may apply.
Existing Customers
Learn how to manage your account like a pro with our guides, and make changes easily using our online forms.
Need some support?
Whether you're dealing with money worries or something else that's making it harder to bank with us, we're here to help.
Check your eligibility
Before you apply, use our card checker
- know your chances of being accepted
- you'll see your minimum credit limit on pre-approved cards
- it won't affect your credit score
To manage your card, you'll need the Virgin Money Credit Card app.
Check your eligibilityAward-winning
Best Credit Card Provider two years in a row!
Our app makes money easy
Manage your cards, master your spending
You'll need the Virgin Money Credit Card app to manage your credit cards digitally.
- Track your balance and transactions
- View your latest transactions and keep tabs on your balance
- Pay with ease
- Set up and manage Direct Debits, or make one-off payments
- Manage balance and money transfers
- Easily transfer a balance or move money into your accounts
- Manage your cards
- Simply and securely view your PIN, report your cards lost and stolen
Say hi to Redi
Need help? Get 24/7 support with your credit card from Redi, our digital host. Start a chat in the app for instant answers to your questions.
Learn more
Earn some cool cashback
Get cashback in your hands when you shop with selected top brands
You can register for Virgin Money Cashback in the credit card app.
Have you joined Virgin Red yet?
Join the rewards club that revolves around you. Virgin Red terms apply. Link opens in a new window UK only. 18+.
Discover Virgin Red
Virgin Money Stores
A new generation of creative and community-focussed spaces on the high street, designed to broaden people’s horizons and brighten their lives.
Discover our storesThe legal bits
Time to give your scrolly finger a workout
- Virgin Money Credit Card Terms - for cards applied for after 1 October 2024
- Virgin Money Credit Card Terms - for cards applied for before 1 October 2024
You’ll need to make your minimum payment when it’s due. If we do not receive the minimum payment when it’s due we will withdraw the promotional rate with effect from the start of that statement period.
When a promotional rate ends or is withdrawn, we charge the current standard interest rate that applies to that transaction.
You can do a balance transfer from a UK credit card or store card that has a Visa or Mastercard logo. You cannot do a balance transfer from another Nationwide or Virgin Money Credit Card.
You should not use your card to repay borrowing from Nationwide or Virgin Money.
Credit is available, subject to status, only to UK residents aged 18 or over.
Calls are charged at your service provider’s prevailing rate and may be monitored and recorded.
The Virgin Money Cashback featured brands are some of the brands we work with. The available Virgin Money Cashback offers change regularly. You'll be able to check the participating brands and offers available to you at any time in the Virgin Money Credit Cards app. Virgin Money Cashback service terms apply.
Virgin Money and Virgin Atlantic Credit Cards are issued by Nationwide Building Society (trading as Virgin Money). Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 106078. Head Office: Nationwide House, Pipers Way, Swindon, Wiltshire, SN38 1NW.