Money transfer
You can transfer money from your credit card directly to your current account with Virgin’s money transfer card.
Virgin Money credit cards
Compare a range of credit cards from Virgin Money
MoneySuperMarket is a credit broker not a lender. You must be 18 or over and a UK resident.
Who is Virgin Money?
Virgin Money was founded in 1995 by British serial entrepreneur Richard Branson. The brand now operates in two destinations, Australia and the UK, and is run as separate businesses, offering different products.
In 2012, Virgin Money expanded by purchasing part of the collapsed bank Northern Rock. Then in 2018, it was sold to CYBG plc and became part of a holding company that owns Clydesdale Bank, and brands such as Yorkshire Bank.
What types of cards do Virgin Money offer?
Virgin Money offers a wide variety of credit cards, including:
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Balance transfer
Virgin Money’s balance transfer card allows you to shift your credit card debt to just one card.
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Rewards cards
You’ll be able to build up Virgin Points when you spend and use your credit card to pay for flights and upgrades, for example.
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Balance transfer and purchase cards
Virgin’s All Round Credit Card allows you to make balance transfers to help pay off what you owe and offers low interest rates on purchases to help spread the cost of spending.
How to pick the best Virgin Money credit card?
Virgin Money offers different types of credit cards, so the one which suits you best will depend on what you want to use the card for:
To earn rewards: You can earn Virgin Points when you spend on a Virgin Atlantic Card. Rewards typically include hotel and flight upgrades, and cinema tickets.
Mange your debt: It can be hard to keep on top of your credit card debt if it’s across many cards. A balance transfer card can move your debt to one card, which could make it easier to manage.
Clear an overdraft: Not all credit card providers offer money transfer cards, but Virgin Money gives you the opportunity to move money from a card to your current account – ideal if you have an overdraft to clear.
Spending home and abroad: Virgin Money’s All Rounder Credit Card lives up to its name as you can use it for balance transfers and low-interest purchases.
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Am I eligible for a Virgin Money card?
The eligibility requirements on Virgin Money cards will vary depend on the type of card. However, for most of the cards you’ll need to meet the following criteria*:
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Be a UK resident
Be a permanent UK resident. Plus you’ll usually be asked to show proof of income through payslips or bank statements
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18 or over and a UK resident
Be aged 18 or over in most cases (some cards may have a minimum age of 21), a permanent UK resident and have a UK bank account
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Have an income of at least £7,000 per annum
You must have an annual income of at least £7,000
How to compare credit cards with MoneySupermarket
Comparing credit cards couldn’t be easier with MoneySuperMarket. Our eligibility checker tool will show you the cards you’re most likely to be approved for – and we'll protect your credit using a soft search.
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Tell us about yourself
We'll ask you a handful of simple questions about you and your financial circumstances, and what you need from a credit card
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We browse the market
We'll sift through dozens of offers from across the market, and show you the cards we think will suit you best
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Pick the card you want
You'll be shown a range of cards, which you'll be able to sort according to APR, features and your chances of being approved
How long does it take to get a Virgin Money credit card?
After your application has been approved, you’ll typically get your Virgin Money credit card in the post within seven—ten days.
Can I get a Virgin Money credit card with bad credit?
You may be able to. Your best chance is probably to try for Virgin Money credit-builder cards, which are usually among the easiest credit cards to get.
You should expect to be offered a lower-than-usual credit limit. But as long as you use your credit-builder card responsibly, you should see your credit score improve over time.
In turn, you’ll then boost your chances of being offered credit cards with more favourable terms in future.
How can I contact Virgin Money?
You can get in touch about credit card-related queries on 0800 011 3210. Opening hours are Monday to Saturday 8:00am to 8:00pm. Sunday 10:00am to 5:00pm.
Pay off as much as you can – in full if possible
It’s best to pay off your entire credit card balance every month if you can afford to – this way you won’t pay interest and you can avoid building up debt. If you can’t afford to pay off the full balance, you must pay off at least the minimum monthly payment – ideally more.
Don’t miss payments
Avoid missing credit card payments – credit card providers will often charge a penalty if you miss a payment and you also risk harming your credit score.
Set up a direct debit to pay your credit card balance
Setting up a direct debit could be a good way to ensure you pay off at least the minimum amount of your credit balance each month.
Don’t apply for new credit cards too often
Each time you make an application for a credit card, it leaves a record – known as a ‘hard search’ - on your credit report. Too many applications can make lenders think you are in desperate need for credit and your application may be rejected.
Get credit cards that offer rewards
Some credit cards have extra benefits that reward you when you use them a certain way. While some of them can be tempting, it’s better to get a credit card that will give you rewards for the way you spend already.
For example, an airmiles credit card. or one that earns you Avios travel-related points, is only going to be useful if you’re a regular flyer, but if you’re a regular shopper at a particular high street store, there might be a credit card that gives you cashback for shopping there.
Be careful when travelling overseas
If you’re planning to use your credit card overseas, check whether or not you’ll be charged for doing so. Many credit cards charge fees for foreign transactions, so it can be a good idea to look for a card that won’t charge you for using it abroad.
Don’t use your credit card for cash withdrawals
Some credit cards will charge a fee if you use them to take cash out of a cash machine, and on top of that you’ll be charged interest from the moment you receive your money. Avoid using your credit card for cash withdrawals unless it’s an emergency.
Protect yourself from fraud
Credit card fraud, like any fraud, is serious – you should always take care when using your credit card and be careful where you keep it. Never tell anyone your PIN and regularly check your statements every month – or if your credit card has an app, check that regularly - to make sure there are no surprises.
Credit card deals comparison
If you’re applying for a credit card, you might be able to find a better deal if you look through offers from different providers before taking one out. With MoneySuperMarket you’ll be able to search through multiple credit card deals and compare them by a range of factors, including their interest rates and any benefits and rewards they come with.
All you need to do is answer a few questions about yourself and your financial situation, and our Eligibility Checker will show your chances of being accepted for different credit cards. This won’t affect your credit score, so you can run a check without any worries.
Once you know which card you want, you can normally apply by phone, online, or in person if the provider has a high street branch. However, when you do apply, the provider will usually run a hard credit check – which will show up on your credit report – to confirm whether they’ll give you the card. If you’re accepted they’ll tell you your credit limit and interest rate, and soon you’ll be ready to start using your credit card.
How we work
MoneySuperMarket gives you lots of clever ways to save a lot, by doing very little.
Take control of your credit score by checking and improving it for free with Credit Score
Never overpay again with Energy Monitor, our energy monitoring service
Earn rewards of up to £130 per year when you make a qualifying purchase with SuperSaveClub
So how do we make our money? In a nutshell, when you use us to buy a product, we get a reward from the company you’re buying from.
But you might have other questions. Do we provide access to all the companies operating in a given market? Do we have commercial relationships or ownership ties that might make us feature one company above another?
We commit to providing you with clear and informative answers on all points such as this, so we have gathered the relevant information on this page.
Reviewed on 11 Dec 2025 by
