Virgin 28 Month Purchase Credit Card

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Credit Needed
Excellent Credit
  • 0% on purchases for 28 months
  • 0% on balance transfers for 18 months (2% fee)
  • 0% on money transfers for 18 months (3% fee)
  • Use Virgin's Card Checker to see if you will be accepted without affecting your credit rating
  • Earn cashback when you shop online with over 250 top brands with Virgin Money Back and enjoy exclusive offers and rewards from our family with the Virgin Red app
  • Must be aged 18 or over, UK resident with a bank account, and have a good credit rating
  • Representative APR (variable)
    19.9%
    APR
    Balance Transfer APR
    0% for 18 months
    Balance Transfer Fee
    2.00%
    Annual Fee
    £0
    Credit Needed
    Excellent Credit

Representative Example: Representative 19.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)


Virgin 28 Month Purchase Credit Card Summary

The Virgin Money 28 Month Purchase credit card is perfect if you need a card to pay off an existing balance and need to make purchases. It offers 0% on balance transfers for 18 months (2% handling fee), 0% for 28 months on purchases, plus 0% for 18 months on money transfers (3% fee). As with all Virgin credit cards, it offers discounts on Virgin holidays and other Virgin products

Key features of this credit card

  • Representative 19.9% APR (variable)
  • Card Checker - see if you will be accepted without harming your credit rating
  • 0% on purchases for 28 months (from the date your account is opened. Transfers to be made within 60 days), thereafter 19.9%
  • 0% on balance transfers for 18 months (from the date your account is opened.  Transfers to be made within 60 days. 2% handling fee applies)
  • 0% on Money Transfers for 18 months (3% fee), thereafter 19.9%
  • Use Virgin's Card Checker to see if you will be accepted for this card, without affecting your credit rating
  • Contactless payment - fast and secure payment for items under £30
  • Earn cashback when you shop online with over 250 top brands with Virgin Money Back and enjoy exclusive offers and rewards from our family with the Virgin Red app
  • No annual fee
  • Manage your account online
  • Choose the design of your card - go for black, red, purple, Quest, or the iconic Sex Pistols design

Acceptance criteria in addition to credit check

  • Aged 18 years or over
  • UK resident
  • UK bank account
  • Good credit history