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Before you start

Use our four-step Card checker tool to see if you're eligible for a Virgin Money credit card.

It's quick and easy to use, and has no impact on your credit score.

Card checker asks for details including your name, date of birth, address and information about your employment and income.


To be accepted for a Virgin Money credit card, you'll need to:

  • Be a UK resident aged 18+ (the same goes for any additional cardholders you want to add)
  • Have a UK bank or building society
  • Have an income of at least £7,000 per annum, or a household income of at least £15,000 per annum and pass our affordability checks

Something you need to know

You'll need a smartphone with iOS13 or Android 9 installed. Without this, you won't be able to manage your credit card using the Virgin Money Credit Card app


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