Virgin Group discounts
Great deals across the group when you become a Virgin Money customer.
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).
Quick and easy
Doesn't affect your credit rating
Apply with confidence
More about money transfer credit cards
Money transfers are pretty handy, so we’re really pleased to be one of the few credit card providers who offer them. They let you move up to 95% of your Virgin Money Credit Card limit into your current account.
Once the money hits your account, you can use it however you like – from paying off debt to home improvements, or simply to enjoy a holiday.
Check your eligibility now
It takes less than five minutes and won't affect your credit rating.
Get startedEverything 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.
Virgin extras
Discover the exclusive benefits a Virgin Money Credit Card unlocks for you.
Top questions and answers
What's my credit limit going to be?
The limit given is based on your personal circumstances.
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.
Where can I find out about your charges and interest rates?
You can find detailed information about our charges and interest rates in the summary box. When you have chosen a card, the summary box PDF will be visible on the “Apply Now” page beneath the product summary at the top of the page. Here’s an example:
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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