† If you apply online between the hours of 6am – midnight, Monday to Friday, or 6am – 9pm, Saturday to Sunday, you could get an instant decision. Outside of these hours, or if your application is referred to a Credit Analyst for a final decision, we’ll be in touch as soon as possible.
Promotional rates will no longer apply from the beginning of any statement period during which you have breached your terms and conditions, for example if you haven’t paid on time or have gone over your credit limit. You cannot transfer balances between MBNA accounts.
Virgin Credit Cards are promoted by Virgin Money plc, acting as a credit intermediary, and issued by MBNA Limited. Virgin Money plc only promotes credit cards which are provided under the Virgin brand.
MBNA Limited is registered in England number 2783251. Registered office: Stansfield House, Chester Business Park, Chester CH4 9QQ. MBNA Limited is authorised by the Financial Conduct Authority under the Payment Services Regulations 2009, Register Number: 204487 for the provision of payment services, and authorised and regulated by the Financial Conduct Authority for general insurance business. MBNA's consumer credit activities are licensed by the Office of Fair Trading. Virgin Money plc is 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 the Prudential Regulation Authority. Credit is available, subject to status, only to UK residents aged 18 or over. Calls may be monitored and/or recorded for quality and training purposes and for compliance with regulations.