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Virgin Money credit cards

Compare the range of Virgin Money credit cards available to find the right fit for your finances


  • Find cards you may be eligible for with our handy smart search tool
  • Avoid interest payments by paying off your balance in full each month
  • Missing a payment could cause your interest-free period to end prematurely

Who are Virgin Money?

Founded in 1995 by Richard Branson, Virgin Money is a digital bank, offering services such as current accounts, credit cards, mortgages, and more.

Branson first launched the company as Virgin Direct, in partnership with the Norwich Union, and it wasn’t until the year 2000 that the brand became Virgin Money.

Since then, it has successfully merged with Northern Rock and Clydesdale Bank, both of which now fall under the Virgin Money umbrella. As well as offering a whole host of services, they also have a rewards programme and give you the opportunity to support charity initiatives.

With a roster of award-winning products, including ‘Best Cash ISA Provider’ and ‘Best Buy-to-Let Lender 2020’, Virgin Money has made a name for itself in the UK banking world.

Virgin Money

What types of Virgin Money credit cards are available?

There are a few options available to you when you’re choosing a credit card with Virgin Money:

  • Purchase credit cards

    A purchase credit card is the typical card that comes to mind when you think of spending.

    With often low-introductory rates, a Virgin Money purchase credit card can be beneficial if you’re looking to buy a particular item, or perhaps put a deposit down on a car, for instance.

    A Virgin Money credit card also offers the opportunity to have money transferred directly to your bank account, but you may have to pay a fee for this.

    Keep in mind that once the introductory offer runs out, the interest rate on your credit card might shoot up. It’s important to make sure you pay at least the minimum amount each month, and get the balance completely paid off by the end of the introductory offer if you can. Some credit card terms also state that the interest-free period only applies to purchases you made in the first 60 days of taking out the card.

    It may seem tedious but reading the terms and conditions will mean there won’t be any surprises.

  • Balance transfer credit cards

    Paying a high-interest rate on your current credit card? Moving the remaining amount over to a balance transfer credit card can decrease the amount of interest you pay and help you spread the cost over a longer period.

    Before you go ahead, weigh it up with any fees you might have to pay for moving from your current provider to a Virgin balance transfer card.

    Your transfer will be completed within a few days and you can sort it all out within the Virgin Credit Cards app.

  • Travel credit cards

    If you’re looking to jet off on an adventure, a Virgin travel credit card could help you pay for your excursion in monthly instalments.

    With little or no foreign transaction fees to pay and a low-introductory interest rate, you could enjoy your trip without having to worry about hefty charges. When you come home, just make sure it’s all paid off within the introductory time period, before the higher interest rates kick in.

  • All-round credit cards

    If you’d rather keep your wallet free of multiple cards, the Virgin all-round credit card could be a good fit for you.

    You can use it to make purchases or as a balance transfer card to lower the interest you’re paying. All-round credit cards usually have an introductory rate of 0% but, as always, make sure you pay off the full amount before the higher interest rate begins.

Virgin Points

With a Virgin Money credit card, you can get Virgin Points with every purchase you make.

A Virgin Atlantic Reward credit card, for example, will give you 0.75 Virgin Points for every £1 you spend on everyday purchases. You can even earn 1.5 Virgin Points for anything you spend on Virgin Atlantic or Virgin Holidays.

You can spend Virgin Points on flights for the family, amazing experiences with Virgin Red, and even boxes of wine!