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The Virgin Credit Card


 

The Virgin Credit Card is provided by Virgin Money. Owned by MBNA the card offers a very competitive 0% on Balance Transfers for 20 months from the date you account is opened, transfers must be made within the first 60  days, (A 2.99% Handling Fee Applies). 0% on purchases for 3 months from the date you account is opened. They also offer a low Representative APR and Reward Points that you can spend at Virgin's online rewards shop, which offers discount vouchers on things like CD's, videos and mobile phones.

Below is a table outlining the full rates and features
of the Virgin Credit Card

 

Click Here To Apply
Before You Apply Please Ensure The Following
* You are at least 22 Years of Age 
* You have a Good Credit History 
* You are in full time employment 
* You are a permanent resident/citizen of the UK 
* You have a Bank or Building society account
For A Virgin
Credit Card


     
 
  • Representative APR: 16.8% Variable
 

Representative Example: Spending £1,200 at an annual interest rate of 16.8% (variable) your Representative APR will be 16.8% Per Annum (variable).

 
 
  • Balance Transfer Rate: 0% for 20 Months from the date you account is opened, transfers must be made within the first 60 days - A 2.99% Handling Fee Applies - rising to 18.9% Per Annum Variable
 
  • Purchase Rate: 0% For 3 Months - 16.8% Per Annum Variable Thereafter
 
  • Cash back Rate: No though you can get discounts on other Virgin products
    via the online members shop.
 
  • Cash Advance Rate: 27.9% Per Annum Variable, depending on credit limit (subject to 2% handling fee, with no maximum charge - £3.00 minimum)
 
  • Interest Free Period: up to 50 days
 
  • Minimum Payment: 2.25% of balance or £5 whichever is greater
 
  • Travel Accident Insurance: Up to £100,000, including your children
 
  • Purchase Protection: Yes on most purchases between £50-£1000 made with card. Against accidental damage or theft for 100 days.
 
  • Online Fraud Guarantee: yes
 
  • Annual Fee: No
 
  • Manage Account Online: yes
 
  • Free Additional Card: yes
 
  • 24 hour customer Service: yes - phone
 
  • Additional Benefits & Features:
    Payment protection cover available
    0% offer on cheques for first 6 months - handling charge still applies
    Credit limit can be up to £50,000
    Foreign Usage Fee - 2.99%
    £25 standard charge for bounced payments, exceeding your limit or paying late
    You may be offered a payment holiday or reduced monthly payment
    A choice of 5 different credit card designs.
 
  • Application Criteria
    Before You Apply Please Ensure The Following
    * You are at least 22 Years of Age
    * You have a Good Credit History
    * You are in full time employment
    * You are a permanent resident/citizen of the UK
    * You have a Bank or Building society account
 

Click Here To Apply
Before You Apply Please Ensure The Following
* You are at least 22 Years of Age 
* You have a Good Credit History 
* You are in full time employment 
* You are a permanent resident/citizen of the UK 
* You have a Bank or Building society account
For A Virgin Credit Card


Click Here And Compare The Virgin Credit Card
To Other UK Credit Cards


The Virgin Credit Card is promoted by Virgin Money Limited and issued by MBNA Europe Bank Limited. Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England number 2783251


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Review of the Virgin 0% card by 1st Credit Card UK

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