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
Good
  • 0% for 24 months on balance transfers (1% fee) & 0% for 24 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%
    24 Months
    Balance Transfer
    Fee
    1%
    Purchases
    Intro
    0%
    24 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.

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Credit Needed
Good
  • 0% for 36 months on Balance Transfers (1.99% fee, min £3) & Money Transfers (4% fee, min £3)
  • An initial fee of 3.5% will be applied, then 1.51% will be refunded
  • 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%
      36 Months
      Balance Transfer
      Fee
      1.99%
      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 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
    • An initial fee of 3.5% will be applied, then 1.11% will be refunded
    • 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
    • Limited Offer - ends 30th June 2016
    • 0% for 40 months on balance transfers - (2.53% fee) (Initial fee of 3.5% which will then be refunded to 2.53%)
    • Free entry into the Virgin Money Summer Essentials prize draw (terms apply)
    • 0% for 40 months on money transfers, with a fee of 4%
    • 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%
      40 Months
      Balance Transfer
      Fee
      2.53%
      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.

    • 0% for 32 months on balance transfers (0.99% fee applies), and 0% for 3 months on purchases
    • An initial fee of 3% will be applied, then 2.01% will be refunded
    • 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
      0.99%
      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)
    • An initial fee of 3.5% will be applied, then 1.81% will be refunded on both money and balance transfers
    • 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
    • Low standard rates of 6.27%p.a. on purchases, 6.4% APR (variable) for the life of the balance, and 7.67%p.a. on balance and money transfers for the life of the balance
    • 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
      n/a
      Balance Transfer
      Fee
      0%
      Purchases
      Intro
      n/a
      Annual Fee
      £0
      Representative APR (variable)
      6.4%
      APR

    Representative Example: 6.27% p.a. (variable) on card purchases. This is equivalent to 6.4% 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)
    • An initial fee of 3% will be applied, then 1.51% will be refunded
    • 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 18 months on balance transfers (no fee), and 0% for 18 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%
      18 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)
    • An initial fee of 3% will be applied, then 2.41% will be refunded
    • 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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