Summary box

The information contained in this table summarises key product features and is not intended to replace any terms and conditions
APR	Representative 17.9% APR variable
Interest rates	Introductory rate Monthly rate Annual rate Purchases n/a 1.3852% 17.9% p.a. Cash advances n/a 1.5976% 20.9% p.a. Balance transfers 0% for 6 months 1.3852% 17.9% p.a. Money transfers 0% for 6 months 1.3852% 17.9% p.a.
Interest free period	Maximum 46 days on purchases only, if you pay your statement balance in full and on time every month. No interest free period for balance transfers, money transfers or cash advances. This is subject to any interest free introductory offer.
Interest charging information	You will not pay interest on new purchases if: your previous statement was paid in full and on time; and you pay your current statement in full and on time. Otherwise the period over which interest is charged is as follows. From Until All transactions date debited to your account paid in full
Allocation of payments	We allocate your payment to amounts that are charged at higher interest rates before those that are charged at lower interest rates. If we charge interest at the same rate on different parts of your balance, we will allocate your payment to the introductory rate first. If two or more introductory rates are the same we will pay off the introductory rate with the earliest start date first. If the introductory rates have the same start date then we will pay off that part which will be charged at the highest standard rate at the end of the introductory period. We will then apply your payment to balance transfers, cash advances, money transfers and purchases, in that order.
Minimum repayment	The balance on your statement if it is £25 or less; or the greater of £25 or 1% of the balance on your statement before any default charges, card fees and interest (to which we’ll then add an amount equal to the default charges, card fees and interest); plus the amount of any arrears, which are repayable immediately.
Credit limit	Minimum credit limit None Maximum credit limit Subject to status
Fees	No annual fee
Charges	Introductory rate Balance transfers 2% handling fee, min £3 Money transfers 2% handling fee, min £3 Standard rate Cash advances 2% handling fee, min £3 Balance transfers 2% handling fee, min £3 Money transfers 2% handling fee, min £3 Foreign currency 2.75% commission fee (of which American Express retain 1%)
Default charges	If your payment is late, if you exceed your credit limit, if your payment fails. £12

Virgin Money Limited currently promotes credit cards exclusively with MBNA Europe Bank Limited.

Virgin Atlantic Airways Limited is an introducer appointed representative of Virgin Money Personal Financial Service Limited, Registered Office: Discovery House, Whiting Road, Norwich NR4 6EJ. Registered in England number 3072766.

The credit cards are issued by MBNA Europe Bank Limited. Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England number 2783251. MBNA's consumer credit activities are licensed by the Office of Fair Trading and MBNA’s general insurance activities are authorised and regulated by the Financial Services Authority. American Express® is a registered trademark of the American Express company. MBNA Europe Bank Limited issue the MBNA American Express® Credit Card pursuant to a licence from American Express. Virgin Atlantic Airways Ltd trading as Virgin Atlantic is acting as a credit intermediary. Registered Office: Company Secretariat, The Office, Manor Royal, Crawley, West Sussex RH10 9NU. Registered in England number 1600117. In the UK, Virgin Atlantic only offer credit cards provided by MBNA Europe Bank Limited. Credit is available, subject to status, only to UK residents aged 18 or over. We will monitor or record some phone calls.