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 - (3.00% fee)
  • 0% for 41 months on money transfers - (3.80% fee)
  • Use Virgin's Card Checker to see if you will be accepted without affecting your credit rating
  • Choose from a range of exciting Virgin card designs
  • 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
  • Balance Transfer
    Rate & Duration
    0%
    41 Months
    Balance Transfer
    Fee
    3%
    Purchases
    Intro
    0%
    3 Months
    Annual Fee
    £0
    Representative APR (variable)
    20.9%
    APR

Representative Example: Representative 20.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 20.9% p.a. (variable)

 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)
  • Use Virgin's Card Checker to see if you will be accepted without affecting your credit rating
  • Choose your card design - including Quest and iconic Sex Pistols designs
  • 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
  • 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: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Excellent
  • 0% for 27 months on balance transfers (2.70% fee), 0% for 27 months on purchases & 0% for 27 months on money transfers (2.70% fee)
  • Use Virgin's Card Checker to see if you will be accepted without affecting your credit rating
  • Choose your card design - including Quest and iconic Sex Pistols designs
  • 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
  • Balance Transfer
    Rate & Duration
    0%
    27 Months
    Balance Transfer
    Fee
    2.7%
    Purchases
    Intro
    0%
    27 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
  • No fees on overseas purchases
  • 0% for 12 months on balance transfers (no fee), purchases, and money transfers (2% fee)
  • Use Virgin's Card Checker to see if you will be accepted without affecting your credit rating
  • Customers can also enjoy a host of travel offers including 5% off at Virgin Holidays and £25 cashback on Virgin Money Travel Insurance and Virgin Money International Money Transfers
  • Must be aged 18 or over, UK resident with a bank account, and have a good credit rating
  • Balance Transfer
    Rate & Duration
    0%
    12 Months
    Balance Transfer
    Fee
    0%
    Purchases
    Intro
    0%
    12 Months
    Annual Fee
    £0
    Representative APR (variable)
    19.9%
    APR

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)

 APPLY ONLINE

Credit Needed
Excellent
  • 0% for 40 months on balance transfers - (1.70% fee)
  • 0% for 40 months on money transfers - (3.80% fee)
  • Use Virgin's Card Checker to see if you will be accepted without affecting your credit rating
  • Choose from a range of exciting Virgin card designs
  • 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
  • Balance Transfer
    Rate & Duration
    0%
    40 Months
    Balance Transfer
    Fee
    1.7%
    Purchases
    Intro
    0%
    3 Months
    Annual Fee
    £0
    Representative APR (variable)
    20.9%
    APR

Representative Example: Representative 20.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 20.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% for 36 months on money transfers (2.90% fee applies)
  • 0% for 36 months on balance transfers (2.90% fee applies), and 0% for 3 months on purchases
  • Use Virgin's Card Checker to see if you will be accepted without affecting your credit rating
  • Choose your card design - including Quest and iconic Sex Pistols designs
  • Enjoy exclusive offers and rewards from our family with the Virgin Red app
  • Must be UK resident with a bank account, and a good credit rating
  • Balance Transfer
    Rate & Duration
    0%
    36 Months
    Balance Transfer
    Fee
    2.9%
    Purchases
    Intro
    0%
    3 Months
    Annual Fee
    £0
    Representative APR (variable)
    20.9%
    APR

Representative Example: Representative 20.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 20.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Excellent
  • 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
  • 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
  • Balance Transfer
    Rate & Duration
    0%
    18 Months
    Balance Transfer
    Fee
    2%
    Purchases
    Intro
    0%
    28 Months
    Annual Fee
    £0
    Representative APR (variable)
    19.9%
    APR

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)

 APPLY ONLINE

Credit Needed
Good
  • 0% for 32 months on balance transfers (0.60% fee applies), and 0% for 3 months on purchases
  • Use Virgin's Card Checker to see if you will be accepted without affecting your credit rating
  • Choose your card design - including Quest and iconic Sex Pistols
  • Enjoy exclusive offers and rewards from our family with the Virgin Red app
  • 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
    0.6%
    Purchases
    Intro
    0%
    3 Months
    Annual Fee
    £0
    Representative APR (variable)
    19.9%
    APR

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)

 APPLY ONLINE

Credit Needed
Good
  • 0% for 32 months on Money Transfers (2.50% fee) & Balance Transfers (2.50% fee)
  • 0% for 3 months on purchases
  • Use Virgin's Card Checker to see if you will be accepted without affecting your credit rating
  • Choose your card design - including Quest and iconic Sex Pistols designs
  • 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
  • Balance Transfer
    Rate & Duration
    0%
    32 Months
    Balance Transfer
    Fee
    2.5%
    Purchases
    Intro
    0%
    3 Months
    Annual Fee
    £0
    Representative APR (variable)
    19.9%
    APR

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)

 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)
  • Use Virgin's Card Checker to see if you will be accepted without affecting your credit rating
  • Choose your card design - including Quest and iconic Sex Pistols designs
  • 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
  • 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: Representative 19.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% for 30 months on Balance Transfers (0.55% fee) & Money Transfers (4% fee)
  • 0% for 3 months on purchases
  • Use Virgin's Card Checker to see if you will be accepted without affecting your credit rating
  • Choose your card design - including Quest and iconic Sex Pistols designs
  • 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
    • Balance Transfer
      Rate & Duration
      0%
      30 Months
      Balance Transfer
      Fee
      0.55%
      Purchases
      Intro
      0%
      3 Months
      Annual Fee
      £0
      Representative APR (variable)
      19.9%
      APR

    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)

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