Virgin Credit Cards

Virgin Money's credit cards have proved popular largely because of their 0% balance transfer offers as well as the rewards they offer. The Virgin Atlantic credit card for example, enables customers to collect points each time they spend on their card, which can be used towards the cost of Virgin Atlantic flights.

Compare Virgin Money credit cards - Sorted by APR

  1. 2016 SUPERS

    Winner of Best Credit Card Provider for 'Existing Debt'

    Great for
    Transferring money to your current account with 0% interest for 25 months (2% fee applies)
    If approved, you will get the advertised offer
    Access to a range of great Virgin offers
    But be aware that
    You cannot transfer a balance from another Virgin Credit Card
    The promotional period applies to transfers made in the first 60 days

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  2. 2016 SUPERS

    Winner of Best Credit Card Provider for 'Existing Debt'

    Great for
    Transferring money to your current account with 0% interest for 34 months (4% fee applies)
    If approved, you will get the advertised offer
    The initial balance transfer fee is 3.00%, but transfer a balance within 60 days and Virgin Money will refund 1.51%, so the effective fee is 1.49%
    But be aware that
    You cannot transfer balances between other accounts issued by Virgin Money
    The promotional period applies to transfers made in the first 60 days

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) your representative rate will be 19.9% APR (variable).

  3. 2016 SUPERS

    Winner of Best Credit Card Provider for 'Existing Debt'

    Great for
    Transferring money to your current account with 0% interest for 32 months (4% fee applies)
    If approved, you will get the advertised offer
    The initial balance transfer fee is 3.00%, but transfer a balance within 60 days and Virgin Money will refund 2.01%, so the effective fee is 0.99%
    But be aware that
    You cannot transfer balances between other accounts issued by Virgin Money
    The promotional period applies to transfers made in the first 60 days

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) your representative rate will be 19.9% APR (variable).

  4. 2016 SUPERS

    Winner of Best Credit Card Provider for 'Existing Debt'

    Great for
    Transferring money to your current account with 0% interest for 32 months (1.69% fee applies)
    If approved, you will get the advertised offer
    The initial balance and money transfer fee is 3.50%, but transfer a balance or perform a money transfer within 60 days and Virgin Money will refund 1.81%, so the effective fee is 1.69%
    But be aware that
    You cannot transfer balances between other accounts issued by Virgin Money
    The promotional period applies to transfers made in the first 60 days

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) your representative rate will be 19.9% APR (variable).

  5. 2016 SUPERS

    Winner of Best Credit Card Provider for 'Existing Debt'

    Great for
    Transferring money to your current account with 0% interest for 30 months (4% fee applies)
    If approved, you will get the advertised offer
    The initial balance transfer fee is 3.00%, but transfer a balance within 60 days and Virgin Money will refund 2.41%, so the effective fee is 0.59%
    But be aware that
    You cannot transfer balances between other accounts issued by Virgin Money
    The promotional period applies to transfers made in the first 60 days

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) your representative rate will be 19.9% APR (variable).

  6. 2016 SUPERS

    Winner of Best Credit Card Provider for 'Existing Debt'

    Great for
    Transferring money to your current account with 0% interest for 24 months (4% fee applies)
    If approved, you will get the advertised offer
    Access to a range of great Virgin offers
    But be aware that
    You cannot transfer balances between other accounts issued by Virgin Money
    The promotional period applies to transfers made in the first 60 days

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) your representative rate will be 19.9% APR (variable).

  7. 2016 SUPERS

    Winner of Best Credit Card Provider for 'Existing Debt'

    Great for
    Transferring money to your current account with 0% interest for 40 months (4% fee applies)
    If approved, you will get the advertised offer
    But be aware that
    You cannot transfer balances between other accounts issued by Virgin Money
    The promotional period applies to transfers made in the first 60 days

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 20.9% p.a. (variable) your representative rate will be 20.9% APR (variable).

  8. 2016 SUPERS

    Winner of Best Credit Card Provider for 'Existing Debt'

    Great for
    Transferring money to your current account with 0% interest for 36 months (4% fee applies)
    If approved, you will get the advertised offer
    The initial balance transfer fee is 3.50%, but transfer a balance within 60 days and Virgin Money will refund 1.51%, so the effective fee is 1.99%
    But be aware that
    You cannot transfer balances between other accounts issued by Virgin Money
    The promotional period applies to transfers made in the first 60 days

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 20.9% p.a. (variable) your representative rate will be 20.9% APR (variable).

  9. 2016 SUPERS

    Winner of Best Credit Card Provider for 'Existing Debt'

    Great for
    Transferring money to your current account with 0% interest for 36 months (2.39% fee applies)
    If approved, you will get the advertised offer
    The initial balance and money transfer fee is 3.50%, but transfer a balance or perform a money transfer within 60 days and Virgin Money will refund 1.11%, so the effective fee is 2.39%
    But be aware that
    You cannot transfer a balance from another credit card issued by Virgin Money
    The promotional period applies to transfers made in the first 60 days

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 20.9% p.a. (variable) your representative rate will be 20.9% APR (variable).

Compare Virgin Atlantic credit cards - Sorted by APR

  1. Limited offer

    Additional 7,000 bonus miles if applied for before 31st October 2016 and total of £1,000 spent within first 90 days

    Great for
    3,000 miles with your first card purchase made within 90 days of account opening
    Earn one mile per £1 spent with the American Express® card from MBNA and one mile per £2 spent on the Visa Card
    Eligibility check: Find out if you are eligible before applying for this card
    But be aware that
    You cannot transfer a balance from another MBNA card
    The BT & MT handling fees will revert to 5% following the 6 month introductory fee of 3%

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 22.9% p.a. (variable) your representative rate will be 22.9% APR (variable).

  2. Limited offer

    Additional 6,500 bonus miles if applied for before 31st October 2016 and total of £3,000 spent within first 90 days

    Great for
    18,500 miles with your first card purchase made within 90 days of account opening
    Earn two miles per £1 spent with the American Express® Credit Card from MBNA and one mile per £1 spent on the Visa Card
    Eligibility check: Find out if you are eligible before applying for this card
    But be aware that
    There is a £140 annual fee
    You cannot transfer a balance from another MBNA card
    The BT & MT handling fees will revert to 5% following the 6 month introductory fee of 3%

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 22.9% p.a. (variable) with a £140 annual Fee your representative rate will be 57.4% APR (variable).

Guide to Virgin credit cards

Virgin Money offers a range of different credit cards which provide long 0% periods on balance transfers, money transfers and purchases. It also offers cards which allow you to collect Virgin Atlantic Flying Club miles when you spend.

Cardholders can also take advantage of discounts on a range of Virgin products including holidays, trains, experience days and wine.

It is important to note however, that Virgin Money’s credit cards are aimed at applicants with excellent credit scores. If your credit history is less than perfect or you have never had a credit card before, you are unlikely to be accepted. 

Previously in partnership with MBNA, Virgin Money now issues credit cards direct. The Virgin Atlantic credit card accounts continue to be issued by MBNA.

Virgin credit cards are fully regulated by the city regulator the Financial Conduct Authority (FCA)

Credit cards give you valuable consumer protection that cash and debit cards don’t. Under Section 75 of the Consumer Credit Act, if you pay for goods or services using a credit card, the card provider is jointly liable with the retailer if something goes wrong. 

This protection only applies to items or services costing between £100 and £30,000. So, for example, if you ordered a bed costing £500 and the shop you bought it from goes bust before it is delivered, the credit card provider should provide you with a full refund.

Your personalised chance of approval

We've taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it's better get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, you're probably better off choosing a different card.

Consider a different card
Not eligible
1/10
2/10
3/10
4/10
5/10
Your chances are good
6/10
7/10
8/10
9/10
9.5/10
You've been pre approved

If you see a high score, you can be fairly confident. The scores aren't a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

If you see a pre-approved score it may be subject to you passing additional ID and fraud checks by the provider.

Not rated

In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer’s acceptance criteria or we have not been able to match your details at the credit bureau.

We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

We're free and independent, as well as offering exclusive deals you can't get anywhere else.

Moneysupermarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.

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