Check your eligibility
Before you apply, use our card checker
- it only takes a few minutes
- you'll see your guaranteed 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 eligibilityYou’ll need to make your minimum payment when it’s due. If you don’t, we’ll stop your promotional rate (from the start of that statement period). So it’s worth setting up a Direct Debit to meet your monthly repayment.
You will not be able to transfer a balance from another Virgin Money, Clydesdale Bank, Yorkshire Bank or B credit card and should not use your card to repay other borrowing from Clydesdale Bank PLC.
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 Credit Card is issued by Clydesdale Bank PLC (trading as Virgin Money). Registered in Scotland (Company No. SC001111). Registered Office: 177 Bothwell Street, Glasgow, G2 7ER. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
No match explained
Close ModalWe ran a soft credit check but we could not match your details.
Still want to apply?
We will not be able to confirm if you'll be accepted until you complete the application. We do a hard credit check when you apply. This stays on your credit report and can affect your credit score
Want to try again?
If you think you might have made a mistake in our card checker, you could try checking your eligibility again.
Close ModalOk, got itGood to know
Close ModalVirgin Money's business will become part of Nationwide on 2 April 2026, subject to court approval.
Understand what this means for you Link opens in a new windowGreat news about your card
You're pre-approved! If you apply for this card you'll be accepted, as long as you:
- start your application within the next 20 minutes
- complete your application today
- don't change any of the details you previously shared
- pass our standard identity checks
Minimum credit limit
Close ModalWe can offer you at least this credit limit based on the info you've shared.
You'll get this credit limit as long as you:
- start your application within the next 20 minutes
- complete your application today
- don't change any of the details you previously shared
- pass our standard identity checks
Need more?
You can tell us in your application if you need more for a balance transfer. We'll consider this when we look at your credit limit again. This means your new credit limit may be higher.
Want less?
Once you've got your credit card, there's an online form you can use to reduce your credit limit.
Close ModalOk, got itGood to know
Close ModalVirgin Money's business will become part of Nationwide on 2 April 2026, subject to court approval.
Understand what this means for you Link opens in a new windowGood news about your card
You're highly likely to be approved, as long as you:
- start your application within the next 20 minutes.
- complete your application today
- don't change any of the details you previously shared
- pass our standard identity checks
Representative example
Close ModalThe representative example helps you compare different products. It combines the purchase rate and other fees to give a more complete picture of how much borrowing will cost you. The lower the APR (Annual Percentage Rate), the cheaper it is for you to borrow.
The representative APR calculation is based on:
- a credit limit of £1,200
- spending £1,200 in one go
- paying it back in equal, regular instalments over the year
- not spending any more
UK lenders use £1,200 to make comparing easier. It’s not a reflection of your credit limit.
Close ModalOk, got it