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Use Card Checker to see if you’ll be accepted for this card

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.

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You are applying for

Change card

23 Month All Round Credit Card

Transfer rates

Balance transfers

0% for 23 months then 21.9% p.a. (variable)

Money transfers

0% for 23 months then 23.9% p.a. (variable)

Purchases

0% for 20 months then 21.9% p.a. (variable)

Transfer fees

Balance transfer fee

2.90% 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

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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.

Your selected card

23 Month All Round Credit Card

Ready to apply?Start now

The first step of the application journey is an eligibility check. This won't affect your credit score, but will let you know if you'll get our card before you apply fully.

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 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.