All Round Credit Cards
Double up on the benefits of transfer and purchase cards with one that's designed to do it all
Representative 24.9% APR (variable)
Check eligibility
What is an all round credit card?
All Round Credit Cards give you the best of both worlds – low introductory interest rates on balance transfers and on whatever you spend. Handy if you’ve got things to buy, but you also want to pay off existing debts at a lower rate.
With any new card, it’s important to know:
- How long your introductory rate will last.
- What the standard interest rate (or APR) will be once your introductory rate ends.
- If you’ll have to pay any other fees.
- How long will the promotional rate last?
- Will you save money over the promotional period?
- What is the standard interest rate after your promotional period ends?
- You’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.
- When your promotional rate ends or we stop it, we’ll charge you the current standard interest rate.
A balance transfer allows you to move part or all of the balance of another credit card or store card to your Virgin Money Credit Card. If you have existing high interest credit or store cards, transferring any outstanding balances to your Virgin Money Credit Card could save you money (fees apply). You will not be able to transfer a balance from another Virgin Money, Clydesdale Bank, Yorkshire Bank or B credit card and you cannot use your card to repay a loan, overdraft or mortgage issued by Clydesdale Bank PLC.
Transferring other debts to this card and paying only the minimum amount due each month may lower your overall monthly debt repayments, but it may take longer and cost you more to repay what you owe. Other lenders may charge a fee for settling a loan early.
A money transfer is a feature of the Virgin Money Credit Card. It allows you to transfer funds straight into your bank or building society account.
Whether you want to transfer funds to pay off an overdraft with a higher interest rate, or free up some money for home improvements, you can transfer money from your Virgin Money Credit Card directly into your own bank or building society account.
A transaction fee may apply and you will need to request your money transfer within the first 60 days of opening your account to receive the introductory promotional offer.
Transferring funds from this card and paying only the minimum payment amount due each month may lower your overall monthly debt repayments, but it may take you longer and cost you more to repay what you owe. Other lenders may charge a fee for settling a loan early.
It's easy to apply, and we’ll let you know if your transfer request has been approved as soon as possible.
If you apply as part of your credit card application and we approve, we’ll get the money to your existing credit card provider three to four business days after you ask for the transfer.
You can also apply to make a transfer once your account is up and running. If you ask for the transfer:
- Before 4pm, Sunday to Thursday, we’ll get the money to your existing credit card provider the next business day.
- After 4pm, Sunday to Wednesday, we’ll get the money to your existing credit card provider in two business days.
- Between 4pm Thursday and 12am Sunday, we’ll get the money to your existing credit card provider the following Monday (excluding Bank Holidays).
Remember, you’ll need to continue making payments on your existing card until your transfer’s all sorted.
Check your eligibility
Let us know a little about yourself and what you're looking for and we'll show you your personalised results. It takes less than five minutes and won't affect your credit rating.
- Quick and easy
- Doesn't affect your credit rating
- Apply with confidence
You'll need the Virgin Money Credit Card app Link opens in a new window to manage your credit card digitally.
Already with us?
Helpful information for existing credit card customers.
Existing customersGot a question?
See the answers to the questions we get asked the most.
Visit our help centre
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 storesYou're pre-approved
Close ModalThis means you'll get this card if you apply before midnight on {{campaignenddate}}
- When you apply, we'll do a credit check, that's the norm for all lending applications
- Your application would only be declined if you're out of employment, not a UK resident or for fraud reasons
You're pre-approved
Close ModalWhat does this mean?
You'll get this card when you apply for it, as long as you:
- Begin your application within 20 minutes. If you do not begin your application within this time, you’ll need to check your eligibility again
- Complete your application on the same day
- Don't change any of the details you previously shared on Card Checker
- Pass our standard identity checks and any additional checks we need to make
Great news!
Close ModalYou're pre-approved with a guaranteed credit limit
What does this mean?
Based on the info you shared in Card checker, you're pre-approved for a Virgin Money credit card. To see your guaranteed credit limit amount, just select a credit card from the list below.
You'll get the credit limit shown when you apply, as long as you:
- Begin your application within 20 minutes. If you do not begin your application within this time, you’ll need to check your eligibility again
- Complete your application on the same day
- Don't change any of the details you previously shared in Card checker in your main application
- Pass our standard identity checks
Highly likely
Close ModalWhat does this mean?
You'll get this card when you apply for it, as long as you:
- Begin your application within 20 minutes. If you do not begin your application within this time, you’ll need to check your eligibility again
- Complete your application on the same day
- Don't change any of the details you previously shared on Card Checker
- Pass our standard identity checks and any additional checks we need to make