In this section

0% interest for 37 months on balance transfers
made in the first 60 days

  • 0% interest for 37 months on balance transfers, with a fee of 2.59%
    Move a balance from another credit or store card and get 37 months 0% to pay it off.
  • 0% interest for 37 months on money transfers, with a fee of 4%
  • 0% for 3 months on card purchases
    From the date your account is opened.

The promotional period starts from the date your account is opened and applies to transfers made in the first 60 days.

At the end of the application:

  • We aim to give you an instant decision, but if additional checks or further information is needed, we'll be in touch in 5 working days.
  • If one of our partners has rated your chances of acceptance, we may still need to carry out further checks - even if you received a high rating.

Now for the fun part, please choose your card design.

Representative example

  • Purchase rate:
    18.9% p.a.
    (variable) on card purchases
  • Equivalent to:
    18.9% APR
    representative (variable)
  • Based on borrowing:
Credit limits will vary based on your individual circumstances

Your application

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If you don't want to apply online you can call us on 0800 389 2875. Lines are open 24 hours a day, 7 days a week.

Your card will be automatically set up with online statements. If you prefer paper statements, you can ask for these to be sent to your home address once your account is up and running.

Virgin Money subscribes to the Lending Code.

  Your copy of the Lending Code

If we do not receive the minimum payment when it is due or you go over your credit limit, 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 When a promotional rate ends or is withdrawn, we charge the current standard interest rate that applies to that transaction.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 will not be able to transfer a balance from another Virgin Credit Card and should not use your card to repay other borrowing from 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 Credit Card is issued by Virgin Money plc – Registered in England and Wales (Company No: 6952311). Registered office – Jubilee House, Gosforth, Newcastle upon Tyne, NE3 4PL. Virgin Money plc is Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.

Virgin Money plc subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board. Click here for your copy of the Lending Code(Opens in a new window/tab).