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You are applying for

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29 Month Balance Transfer Credit Card

Transfer rates

Balance transfers

0% for 29 months then 20.9% p.a. (variable)

Money transfers

0% for 20 months then 20.9% p.a. (variable)


0% for 3 months then 20.9% p.a. (variable)

Transfer fees

Balance transfer fee

1.75% 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.

Your application

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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.

Please choose your card design

This is the default design

Read the application statement

Before you start your application, please 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.
  • I have an income of at least £7,000, or my household income is at least £15,000.

Read our eligibility criteria

During the application you'll need:

  • Bank or building society account number and sort code.
  • 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 credit card issued by Virgin Money.

At the end of the application:

  • We aim to give you an instant decision, but if additional checks or further information is needed, we’ll be in touch in 5 working days.
  • If one of our partners has rated your chances of acceptance, we may still need to carry out further checks - even if you received a high rating.

Your selected 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: 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 Credit Card and should not use your card to repay other borrowing from Virgin Money.

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 Credit Card is issued by Virgin Money plc - registered in England and Wales (Company No: 6952311). Registered office - Jubilee House, Gosforth, Newcastle upon Tyne, NE3 4PL. Virgin Money plc is Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.