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Product overview

Balance transfers rate 20 months at 0%

then 25.9% p.a. (variable)

Money transfers rate 12 months at 0%

then 27.9% p.a. (variable)

Purchases rate 3 months at 0%

then 25.9% p.a. (variable)


Balance transfer fee 1.00% fee
Money transfer fee 4.00% fee

All promotional rates start from the date your account is opened and apply to transfers made in the first 60 days. 5% handling fee will apply to any balance and money transfers made after the first 60 days.

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 the statement period.

Representative example

Purchase rate For a limited period of time information 25.9% p.a. (variable) on card purchases
Equivalant to For a limited period of time information 25.9% APR representative (variable)
Based on borrowing £1,200

Credit limits will vary based on your individual circumstances.

Choose your card design

Before you apply

Before you start your application, please check the following statements are true

Read our eligibility criteria

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During the application you'll need:

  1. Bank or building society account number and sort code.
  2. Details of any accounts you want to make a balance transfer from. If you don't have these details to hand, don't worry you can transfer a balance after your account is opened. Unfortunately, you won't be able to transfer a balance from another Virgin Money, Clydesdale Bank, Yorkshire Bank or B credit card.

Your card will automatically be set up with online statements. If you prefer paper statements, you can ask for these to be sent to your home address once your account is up and running.

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

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

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 When a promotional rate ends or is withdrawn, we charge the current standard interest rate that applies to that transaction.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.