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

This card knows how to holiday

Travel’s in our blood. So if you’re going away, take our Travel Credit Card. It’s accepted in millions of locations worldwide, perfect if you’re hitting a vibrant city or relaxing in the sun.

  • A travel-savvy card with no fees on overseas purchases so you can sip ice cold drinks at a rooftop bar, treat the family to a slap-up meal or shop till you drop without worrying about paying extra to use your card for purchases abroad.
  • Plus enjoy a host of travel offers including 5% off at Virgin Holidays and cashback on travel insurance.

Why is this card different?

Most credit cards impose extra fees and charges for foreign transactions, which can be expensive. The fee, usually about 2.99%, is applied every time you make a purchase on your card abroad.

Everything 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 £30.

Top questions and answers

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.

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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Credit cards in 3 minutes

Can't find what you're looking for?

We are here from 8am to 8pm, Monday to Friday and 8:30am to 5pm on Saturdays. Phone us on 0800 389 2875.

Contact us

Enjoy Virgin Group discounts

Virgin Money Lounges

We want to build a bank that doesn't see you as just another account number.

That's why we've been busy opening Virgin Money Lounges, exclusively for customers, with free refreshments and WiFi for you to enjoy.

Watch the video Find out more about our lounges

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 Money 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.

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