Find out what Virgin Money Credit Cards can do for you

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. Representative 21.9% APR (variable).

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Doesn't affect your credit rating

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More about All Round Credit Cards

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.

Everything you expect as standard

  • Use worldwide at Mastercard locations.
  • No annual fees to pay.
  • Manage your account online and get paperless statements.
  • Free use of our customer Lounges.
  • Contactless payments for quick and easy purchases of up to £45.

Top questions and answers

Will I be approved for a card?

Before making an application you can use Card Checker to see your chances of being accepted for a Virgin Money Credit Card. It's quick and easy and won't affect your credit rating. All you need to do is give us a few basic details.

If you decide to complete an application we'll carry out a full credit check and confirm whether you've been approved. In some circumstances, we may need some additional information and we'll let you know if this is the case. When making our decision, we'll take into account your age, status and financial background. Before you apply, check the following statements are true:

  • I am aged 18 years or over (the same goes for any additional cardholders).
  • I am a UK resident.
  • I have a UK bank or building society account.
  • I have good credit history.

You won't be approved if you are bankrupt or in an IVA, and it is unlikely that you'll be approved if you have CCJs or defaults and if you have no credit history. If you are unsure of your credit history, then please contact Experianlink opens in a new window/tab for a copy of your credit file.

How long will it be before I hear?

We aim to tell you if we have approved your application straightaway. Sometimes, we may need to ask you for a few more details first – if we do, we’ll let you know immediately after you’ve made your application, then get in touch to request the additional information from you.

What is a balance transfer fee?

If you are looking to transfer a balance from another credit or store card, in some cases you may be charged a fee to complete the transfer, usually a percentage of the transferred balance.

Is it easy to transfer a balance from another card?

Yes, it is straightforward to transfer a balance online or over the phone. See our contact us page for ways of getting in touch. Remember though, you will need to do this within the first 60 days to receive the introductory balance transfer offer. Plus, the promotional period starts from the date your account is opened, not from when you transfer your balance.

What is a money transfer fee?

If you are looking to move money from your credit card to your current account, in some cases you may be charged a fee to complete the transaction, usually a percentage of the transferred balance.

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Enjoy Virgin Group discounts

Virgin Money Lounges

We want to build a bank that doesn't see you as just another account number.

That's why we've been busy opening Virgin Money Lounges, exclusively for customers, with free refreshments and WiFi for you to enjoy.

Watch the video Find out more about our lounges

If we do not receive the minimum payment when it is due or you go over your credit limit, we will withdraw the promotional rate with effect from the start of that statement period. When a promotional rate ends or is withdrawn, we charge the current standard interest rate that applies to that transaction.

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: 30 St Vincent Place, Glasgow, G1 2HL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Virgin Money adheres to The Standards of Lending Practice which are monitored and enforced by the Lending Standards Board: opens in a new window

Your copy of the Statement of Lender and Borrower Responsibilities PDF opens in a new window