Everyday cashback credit card

Cashback credit cards reward you with a set percentage of money back on every pound spent. A limit on the amount you can earn normally applies. You may also earn extra cashback when you shop with specific retailers.

Cashback cards are all slightly different. Some allow you to earn cashback in the UK only and others allow it on spending worldwide. Your cashback may be paid monthly or annually. It may be paid into your account or deducted from the amount you owe. Some cards charge an annual fee and others are fee-free.

As with any credit card, it's important to choose a cashback credit card that's right for you.

A cashback credit card can be a good option if you're looking to earn money while you spend. Used carefully, a cashback credit card can help to build your credit score. As with other types of credit card, this means keeping up to date with your payments and staying within your credit limit.

A cashback credit card may not be right for you if you're looking for balance transfers, money transfers, introductory or promotional rates. With these options, there are other cards that could be better for you.

You'll earn 0.25% Everyday Cashback on all card purchases, up to a maximum of £15 cashback each month.

You can also earn up to 15% additional Virgin Money Cashback when you spend with selected top retailers. You need to register for Virgin Money Cashback in the Virgin Money Credit Card app.

We give cashback on any transaction that is a 'card purchase' under your credit card terms. This includes shopping with your favourite brands, the weekly supermarket shop and card spending in restaurants and cafes.

You won’t earn cashback on other credit card transactions. These include balance transfers, money transfers and cash advances. Cash advances are ATM withdrawals, gambling, investments and buying foreign currency.

You'll be able to see how much cashback you have earned in the Virgin Money Credit Card app and on your statement. Your Everyday Cashback amount shows automatically. To start earning additional Virgin Money Cashback, register in the app first. Once you register, you'll see your Virgin Money Cashback amount alongside your Everyday Cashback amount.

You don’t need to do anything to get your Everyday Cashback. We'll add the amount you are due to your account at the end of your monthly statement period. For example, if your statement period runs from 1 May to 31 May, we will add any Everyday Cashback you've earned to your account after the 31 May. You will see this on your statement for that period.

Everyday Cashback does not count towards your monthly minimum payment.

Here's what you can do with your Virgin Money Cashback:

• Transfer it to your current account
• Pay it to your Virgin Money Credit Card
• Trade it for an e-Gift card to use at participating retailers

You can manage and redeem your Virgin Money Cashback in the app.

Yes. Additional cardholders can earn Everyday Cashback in the same way. You can earn up to a maximum of £15 each month per account and not per cardholder.

Cashback is added to the main cardholder's credit card account. It is not paid to the additional cardholder.