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Virgin Credit Cards Review

The Virgin Credit Card offers highly competitive introductory interest free periods on both balance transfers and purchases. In addition, Virgin offers 50 interest free days and a variety of discounts for products and services across the virgin group. These include money off Virgin Wines, Holidays and other Virgin financial products.

Virgin also offers a pre-paid card for customers that have a limited financial history allowing customers to load money onto the card at one of many transfer stations and use it like a credit card.

A one off fee of just £9.95 is required on opening the account, then any additional cards cost just £4.95. Every time the card is used to make a purchase or to withdraw cash, a 2.95% transaction charge is deducted from the balance.

Virgin Money Card

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Introductory Offer
Balance Transfer Rate: 0% p.a. for 16 months
Balance Transfer Fee: 2.98%
Purchase Rate: 0% p.a. for 3 months
Typical APR
Purchases: 16.6% p.a.
Balance Transfers: 16.6% p.a.
Cash Advance: 24.9% p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: 50 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 25 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

Virgin Pay Monthly Mastercard

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Advice

Used as an alternative to credit cards. Simply top up card with cash and spend. Can be used to buy online if you do not have a credit/debit card.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Typical APR
Purchases: N/A
Balance Transfers: N/A
Cash Advance: N/A
Standard Features
Credit Limit: N/A
Interest Free Days: N/A
On-Line Banking: Yes
Approval Criteria
  • 100% guaranteed acceptance
  • No bank account needed
  • Available for your family aged 13 and over

Credit Card Benefits

  • There is a flat monthly fee of £4.75
  • No monthly charge
  • Free to top up - This can be done at with cash any Post Office or Online Using a Debit Card.
  • No transaction fee for purchases in the UK.
  • A fee of £1.50 isn charged for each cash withdrawal in the UK

Virgin News

Virgin Credit Card 'offers holiday savings'
By making use of a Virgin Credit Card, holidaymakers could find that they can go abroad for a much more competitive price. In a Guardian article, the ...
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Thu 25th Jun, 2009
Virgin Credit Cards reveals spending increase
Credit card customers are increasingly looking to splash the cash, new research shows. Figures released by Vi ...
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Thu 18th Jun, 2009
Virgin Money: Brits uncomfortable about reducing credit card debts
A significant number of Brits hold concerns about their capacity to get to grips with their credit card bills. Figures released by Virgin Money, as a part of its Financial Outlook ...
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Tue 17th Feb, 2009
Virgin cardholders targeted by 'phishers'
Virgin credit card holders have been subjected to 'phishing' attacks by internet fraudsters. ...
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Wed 21st Sep, 2005

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