Virgin Credit Cards

Although formerly offered only in the United States, Virgin Direct arrived in the United Kingdom in 1995 and was reintroduced to the UK under the brand name Virgin Money 5 years later. After purchasing the nationalised bank Northern Rock, Virgin Money rapidly grew to offer its services in Australia in 2003 and South Africa in 2006. Now with 4 million customers in the UK alone, Virgin aims to offer customers a wide range of great value financial products. Compare the best credit cards and apply online by completing a credit card application form.

 APPLY ONLINE

Credit Needed
Excellent
  • 0% for 41 months on balance transfers - (3.19% fee)
  • Choose from a range of exciting Virgin card designs
  • Enjoy a fantastic range of offers with your Virgin card including 5% off Virgin holidays, 5% off Virgin holiday cruises, and 10% off Virgin trains
  • Must be aged 18 or over, UK resident with a bank account, and have a good credit rating
  • Balance Transfer
    Rate & Duration
    0%
    41 Months
    Balance Transfer
    Fee
    3.19%
    Purchases
    Intro
    0%
    3 Months
    Annual Fee
    £0
    Representative APR (variable)
    20.9%
    APR

Representative Example: 20.9% p.a. (variable) on card purchases. This is equivalent to 20.9% APR representative (variable) based on a credit limit of £1,200.

 APPLY ONLINE

Credit Needed
Good
  • 0% for 25 months on balance transfers (1.5% fee), 0% for 25 months on purchases & 0% for 25 months on money transfers (2% fee)
  • Choose your card design - including Quest and iconic Sex Pistols designs
  • Enjoy a fantastic range of offers with your Virgin card including 5% off Virgin holidays, 5% off Virgin holiday cruises, and 10% off Virgin trains
  • Must be aged 18 or over, UK resident with a bank account, and have a good credit rating
  • Balance Transfer
    Rate & Duration
    0%
    25 Months
    Balance Transfer
    Fee
    1.5%
    Purchases
    Intro
    0%
    25 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: 18.9% p.a. (variable) on card purchases. This is equivalent to 18.9% APR representative (variable) based on a credit limit of £1,200.

 APPLY ONLINE

Credit Needed
Good
  • 0% for 36 months on money transfers (2.39% fee applies)
  • 0% for 36 months on balance transfers (2.39% fee applies), and 0% for 3 months on purchases
  • Choose your card design - including Quest and iconic Sex Pistols designs
  • Enjoy a fantastic range of offers with your Virgin card including 5% off Virgin holidays, 5% off Virgin holiday cruises, and 10% off Virgin trains
  • Must be UK resident with a bank account, and a good credit rating
  • Balance Transfer
    Rate & Duration
    0%
    36 Months
    Balance Transfer
    Fee
    2.39%
    Purchases
    Intro
    0%
    3 Months
    Annual Fee
    £0
    Representative APR (variable)
    20.9%
    APR

Representative Example: 20.9% p.a. (variable) on card purchases. This is equivalent to 20.9% APR representative (variable) based on a credit limit of £1,200.

 APPLY ONLINE

Credit Needed
Excellent
  • 0% on purchases for 27 months
  • 0% on balance transfers for 20 months (2.99% fee, min £3)
  • 0% on money transfers for 20 months (4.00% fee)
  • Enjoy a fantastic range of offers with your Virgin card including 5% off Virgin holidays, 5% off Virgin holiday cruises, and 10% off Virgin trains
  • Must be aged 18 or over, UK resident with a bank account, and have a good credit rating
  • Balance Transfer
    Rate & Duration
    0%
    20 Months
    Balance Transfer
    Fee
    2.99%
    Purchases
    Intro
    0%
    27 Months
    Annual Fee
    £0
    Representative APR (variable)
    19.9%
    APR

Representative Example: 19.90% p.a. (variable) on card purchases. This is equivalent to 19.90% APR representative (variable) based on a credit limit of £1,200.

 APPLY ONLINE

Credit Needed
Good
  • 0% for 32 months on balance transfers (0.66% fee applies), and 0% for 3 months on purchases
  • Choose your card design - including Quest and iconic Sex Pistols
  • Enjoy a fantastic range of offers with your Virgin card including 5% off Virgin holidays, 5% off Virgin holiday cruises, and 10% off Virgin trains
  • Must be a UK resident, aged 18 years or over, with a good credit rating
  • Balance Transfer
    Rate & Duration
    0%
    32 Months
    Balance Transfer
    Fee
    0.66%
    Purchases
    Intro
    0%
    3 Months
    Annual Fee
    £0
    Representative APR (variable)
    19.9%
    APR

Representative Example: 19.9% p.a. (variable) on card purchases. This is equivalent to 19.9% APR representative (variable) based on a credit limit of £1,200.

 APPLY ONLINE

Credit Needed
Good
  • 0% for 32 months on Money Transfers (1.69% fee) & Balance Transfers (1.69% fee)
  • 0% for 3 months on purchases
  • Choose your card design - including Quest and iconic Sex Pistols designs
  • Enjoy a fantastic range of offers with your Virgin card including 5% off Virgin holidays, 5% off Virgin holiday cruises, and 10% off Virgin trains
  • Must be aged 18 or over, UK resident with a bank account, and have a good credit rating
  • Balance Transfer
    Rate & Duration
    0%
    32 Months
    Balance Transfer
    Fee
    1.69%
    Purchases
    Intro
    0%
    3 Months
    Annual Fee
    £0
    Representative APR (variable)
    19.9%
    APR

Representative Example: 19.9% p.a. (variable) on card purchases. This is equivalent to 19.9% APR representative (variable) based on a credit limit of £1,200.

 APPLY ONLINE

Credit Needed
Good
  • 0% for 34 months on Balance Transfers (1.49% fee, min £3) & Money Transfers (4% fee, min £3)
  • 0% for 3 months on purchases
  • Choose your card design - including Quest and iconic Sex Pistols designs
  • Enjoy a fantastic range of offers with your Virgin card including 5% off Virgin holidays, 5% off Virgin holiday cruises, and 10% off Virgin trains
  • Must be aged 18 or over, UK resident with a bank account, and have a good credit rating
    • Balance Transfer
      Rate & Duration
      0%
      34 Months
      Balance Transfer
      Fee
      1.49%
      Purchases
      Intro
      0%
      3 Months
      Annual Fee
      £0
      Representative APR (variable)
      19.9%
      APR

    Representative Example: 19.9% p.a. (variable) on card purchases. This is equivalent to 19.9% APR representative (variable) based on a credit limit of £1,200.

     APPLY ONLINE

    Credit Needed
    Good
    • 0% for 24 months on balance transfers (no fee), and 0% for 24 months on money transfers (4% fee applies)
    • Choose your card design - including Quest and iconic Sex Pistols designs
    • Enjoy a fantastic range of offers with your Virgin card including 5% off Virgin holidays, 5% off Virgin holiday cruises, and 10% off Virgin trains
    • Must be aged 18 or over, UK resident with a bank account, and have a good credit rating
    • Balance Transfer
      Rate & Duration
      0%
      24 Months
      Balance Transfer
      Fee
      0%
      Purchases
      Intro
      0%
      3 Months
      Annual Fee
      £0
      Representative APR (variable)
      19.9%
      APR

    Representative Example: 19.9% p.a. (variable) on card purchases. This is equivalent to 19.9% APR representative (variable) based on a credit limit of £1,200.

     APPLY ONLINE

    Credit Needed
    Good
    • 0% for 30 months on Balance Transfers (0.59% fee, min £3) & Money Transfers (4% fee, min £3)
    • 0% for 3 months on purchases
    • Choose your card design - including Quest and iconic Sex Pistols designs
    • Enjoy a fantastic range of offers with your Virgin card including 5% off Virgin holidays, 5% off Virgin holiday cruises, and 10% off Virgin trains
  • Must be aged 18 or over, UK resident with a bank account, and have a good credit rating
    • Balance Transfer
      Rate & Duration
      0%
      30 Months
      Balance Transfer
      Fee
      0.59%
      Purchases
      Intro
      0%
      3 Months
      Annual Fee
      £0
      Representative APR (variable)
      19.9%
      APR

    Representative Example: 19.9% p.a. (variable) on card purchases. This is equivalent to 19.9% APR representative (variable) based on a credit limit of £1,200.

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