Virgin Credit Cards

This card charges no interest on balance transfers for a generous 20 months, but for just three months on purchases. In order to benefit from the 0% introductory rate, balance transfers must be made within the first 60 days of opening the account. Once the 0% period ends you will be charged an APR of 18.9% on any transferred balances, while purchases are charged interest at a 16.8%. The 0% for 20 months rate also applies to money transfers. This means you can move money directly to a current account as well as to other credit cards, allowing you to pay off overdrafts and small loans as well as existing credit card balances. After the introductory period is up, however, money transfers are charged interest at a steep 20.9%, and there is also a 4% handling fee. Virgin have added a new feature to your card which lets you pay for items of £15 or less without having to key in your PIN. It's all about making purchases on your Virgin Credit Card as hassle-free as possible. It’s secure – you’re in control because your card never leaves your hand. For added security you’ll occasionally be asked to enter your PIN. And just like chip & PIN transactions, you won’t be liable for any fraudulent contactless transactions made with your card. Cardholders have access to a range of discounts on other Virgin products such as 10% off at Virgin Wines, 10% off VIE at home and 5% off Virgin holidays plus no credit card fee (usually 2.5%). You can also get 30% off Virgin balloon flights plus free champagne & chocolates and one month free for new members at Virgin Active gyms provided you use your card to pay for your membership. You can choose whether you want a pink, black or red card. MBNA provides Virgin's credit cards, and you can't transfer debts from other MBNA cards. You must be over 18 to apply for the card.

The Virgin 16/6 card offers an introductory rate of 0% on balance transfers and money transfers for the first 16 months from the date the account is opened, as well as six months at 0% on purchases. This card is therefore likely to suit those who have debts they want to move from an existing card, but who also want to use it for spending too. After the introductory periods end, the Virgin 16/6 card has a representative annual percentage rate (APR) of 15.8% variable. As there are different length 0% introductory periods on balance transfers and purchases, you’ll need to make a note of when each period ends and clear your debts before then so that you don’t end up paying interest. The main advantage of this card is the fact it offers a low 1.99% balance transfer fee if your move your balances over within 60 days. Transactions made after 60 days from the account opening date will be charged the standard balance transfer fee of 2.89%. You can choose what colour you would like your card to be from either pink, red, black or silver.

This credit card charges no interest on both balance transfers and spending for the first 13 months. After that, it has a representative annual percentage rate (APR) of 18.9% (variable) so you should try to clear your balance and pay off any new spending within the interest-free period. If you are transferring a balance over to this card, you must do so within 60 days from the account opening date. Bear in mind that balance transfers are subject to a 2.89% transfer fee, with a minimum charge of £3. You should avoid using this card for cash transactions or money transfers, as interest is charged at a steep 27.9% for cash advances and 22.9% for money transfers. You also have to pay a 3% cash withdrawal handling fee, with a minimum charge of £3. There is also a foreign usage loading fee of 2.99% if you use the card to take out cash or for spending while you are abroad. The card comes with a discount scheme that can save you money on Virgin holidays, Virgin Wines, Virgin experience days, Virgin balloon flights and VIE at home when you use your card to pay. There is a choice of card design so you can opt to have either a red, black, pink or silver card. You must be at least 18 years or over to apply for this card.

The Virgin 9/3 card offers an introductory rate of 0% on balance transfers and money transfers for the first nine months from the date the account is opened, as well as three months at 0% on purchases. There are much longer introductory periods for balance transfers and purchases available elsewhere but if you know you are going to be able to pay off what you owe relatively quickly, then a shorter 0% offer might suit you better. After the introductory periods end, the Virgin 9/3 card has a representative annual percentage rate (APR) of 16.8% variable. As the 0% introductory periods on balance transfers and purchases apply for different lengths of time, you’ll need to make a note of when each period ends and clear your debts before then so that you don’t end up paying interest. The main advantage of this card is the fact it offers a low 1.5% balance transfer fee if your move your balances over within 60 days. Transactions made after 60 days from the account opening date will be charged the standard balance transfer fee of 2.89%. You can choose what colour you would like your card to be from either pink, red, black or silver.

This reward card suits regular Virgin Atlantic flyers, as it offers Flying Club miles every time you spend. You will be charged 17.9% APR on purchases when you use the card, so you should try and clear your balance every month to avoid paying interest. The card charges no interest on balance and money transfers for the first six months, and after that has an APR of 17.9% on both. There is a 2% handling fee if you move a balance across or make a money transfer, with a minimum charge of £3. The card, which doesn’t have an annual fee, gives you 3,000 bonus Flying Club miles on your first card purchase, providing you use it within 90 days of opening the account. When you apply for the Virgin Atlantic White card you get two cards under one account. You get an American Express card where you earn one Flying Club mile for every full £1 you spend, or two Flying Club miles for every full £1 spent direct with Virgin Atlantic and Virgin Holidays. You will also get a Visa card where you earn one Flying Club mile for every £2 you spend, or 1 Flying Club miles for every £1 spent direct with Virgin Atlantic and Virgin Holidays. You’ll also receive a Premium Economy reward upgrade on an Economy booking if you spend £10,000 on your American Express card in a year. If you spend £15,000 on your American Express card in a year, you get a complimentary companion reward flight, so you can bring a friend with you free of charge.

This card will suit frequent Virgin Atlantic flyers who want to boost their Flying Club miles through its reward scheme. The card has an APR of 18.9% on purchases, but once you factor in the £140 annual fee, this shoots up to 47.2%. However, provided you clear your balance every month so you avoid paying interest, there are some good perks available. The card gives you 6,000 Flying Club miles on your first card purchase within 90 days of account opening. When you apply for the Virgin Atlantic Black card you get two cards under one account. You get an American Express card where you earn two Flying Club mile for every full £1 you spend, or four Flying Club miles for every full £1 spent direct with Virgin Atlantic and Virgin Holidays. You will also get a Visa card where you earn one Flying Club mile for every £1 you spend, or 2 Flying Club miles for every £1 spent direct with Virgin Atlantic and Virgin Holidays. You’ll also receive a Premium Economy reward upgrade on an Economy booking provided you spend £5,000 on your American Express card in a year. If you spend £7,500 on the American Express card in a year, you get a complimentary companion reward flight, so you can bring a friend with you free of charge. In addition to this, you get 0% on balance transfers for six months, subject to a 2% handling charge.

The Virgin Choose Your Charity Card gives you the opportunity to donate 0.8% cash back to a charity registered with Virgin Money Giving with every card purchase. This 0.8% donation can be increased to 1% if you choose for Gift Aid to be claimed on your donation. Gift Aid is where charities will take your donation – which effectively is money that you have already paid tax on – and reclaim the basic rate tax from HM Revenue & Customs. Virgin's Choose Your Charity Card works in a similar way to a cash back credit card but rather than the money accrued being credited back to you, it is credited to a Virgin Money Giving account (this will be opened when your credit card application is processed, if you don't already have one). You can decide which charity you would like the money to go to and you can change the charity at any time or spread your donations around multiple charities. If you don't pay your balance off in full each month you'll be charged an annual percentage rate (APR) of 12.9% on any purchases you have made. Balance transfers attract a lower APR of 8.9%. This applies until that debt has been cleared although the money must be transferred in the first 60 days of the account being opened and there will be a 2% transfer fee. You'll be charged 18.6% on a balance transfer made after the first 60 days. It's worth noting however, that the card is issued by MBNA and you cannot make a balance transfer from another MBNA credit card. You can also make a money transfer (where funds are paid into your current account from the credit you have available on your card). If done within the first 60 days, the APR is 8.9% until that debt is cleared. Money transfers attract a fee of 4%. Virgin have added a new feature to your card which lets you pay for items of £15 or less without having to key in your PIN. It's all about making purchases on your Virgin Choose Your Charity Card as hassle-free as possible. It’s secure – you’re in control because your card never leaves your hand. For added security you’ll occasionally be asked to enter your PIN. And just like chip & PIN transactions, you won’t be liable for any fraudulent contactless transactions made with your card.