The first step of our application journey is an eligibility check. This is a quick and easy way of finding out if you'll be accepted for this card without affecting your credit rating.
Check nowBalance transfers
0% for 20 months then 21.9% p.a. (variable)
Money transfers
0% for 12 months then 23.9% p.a. (variable)
Purchases
0% for 3 months then 21.9% p.a. (variable)
Balance transfer fee
1.50% 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 that statement period.
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If you don't want to apply online you can call us on 0800 389 2875. Lines are open 24 hours a day, 7 days a week.
Before you start your application, please check the following statements are true
At the end of the application process we'll carry out a credit score and we'll tell you whether you've been approved. In some circumstances, we may need some additional information and we'll take into account your age, status and financial background. Before you apply, check the following statements are true:
You won't be approved if you are bankrupt or in an IVA, you have CCJs or defaults and if you have no credit history. If you are unsure of your credit history, then please contact Experian for a copy of your credit file.
During the application you'll need:
At the end of the application:
By choosing to apply I confirm I have read the summary box Link opens in a new window
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
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 When a promotional rate ends or is withdrawn, we charge the current standard interest rate that applies to that transaction.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.
