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What is an all round credit card

With introductory 0% interest rates on balance transfers and whatever you spend, you get the best of both worlds.

Handy if you've got things to buy and also want to pay off existing debts at a lower rate.

Up to 20 months interest-free purchases

Say hello to no interest on spending for up to 20 months.

No interest for up to 20 months on balance transfers

Applies to transfers made in the first 60 days. A 2.95% balance transfer fee applies.

One monthly payment

Take control of your finances. Manage your debt in one place.

Promotional offer varies based on your circumstances and starts from account opening date.

Credit is available, subject to status, only to UK residents ages 18 or over.

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The need to knows

Standard rates apply
After the 0% promotional period ends, or if you miss a minimum monthly payment
Transfer up to 95% of your credit limit
You can transfer as many cards as you need. As long as it's a UK credit or store card with a Visa or Mastercard logo. A fee applies for each transfer. 
Can you transfer?
You can do a balance transfer from a UK credit card or store card that has a Visa or Mastercard logo. You cannot do a balance transfer from another Nationwide or Virgin Money Credit Card.

You can do a money transfer to a UK bank or building society account. You should not use your card to repay borrowing from Nationwide or Virgin Money.

Transfers and spending explained

A balance transfer allows you to move part or all of the balance of other credit cards or store cards 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 can transfer as many cards as you need, as long as you don't transfer more than 95% of your credit limit.

Any 0% interest rate applies to transfers made within 60 days of account opening. After this promotional period the standard interest rate applies. There’s a balance transfer fee for each transfer.

Our all round credit card comes with a money transfer option. They let you move up to 95% of your credit card limit into your current account. We’re pleased to be one of the few credit card providers who offer them.

We sometimes offer a 0% interest rate on money transfers. You need to make transfers within 60 days of opening your account to get the promotional offer. After this the standard interest rate applies. There’s a money transfer fee for each transfer.

Our all round credit card comes with a promotional interest-free period on spending from account opening. The length of this period will depend on your circumstances. During this period, you won't pay any interest on your spending.

We charge the standard interest rate when the interest-free period ends, or if you miss a minimum monthly payment.

If you pay off your spending balance in full each month, you won't be charged interest on it.

Want to know more?

Balance and money transfer guide

Check your eligibility

Before you apply, use our card checker

  • know your chances of being accepted
  • you'll see your minimum 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 eligibility
The cashback page in the Virgin Money Credit Card app is open on a phone. Example cashback brands include Asda, Currys, Greggs and Morrisons.

Earn some cool cashback

Get cashback in your hands when you shop with selected top brands

You can register for Virgin Money Cashback in the credit card app.

Discover cashback

The legal bits

The Virgin Money Cashback featured brands are some of the brands we work with. The available Virgin Money Cashback offers change regularly. You'll be able to check the participating brands and offers available to you at any time in the Virgin Money Credit Card app. Virgin Money Cashback service terms apply.

The Virgin Money Credit Card is issued by Nationwide Building Society (trading as Virgin Money). Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 106078. Head Office: Nationwide House, Pipers Way, Swindon, Wiltshire, SN38 1NW.