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Virgin Money 12 Month All Round Card - Guaranteed 27.9% APR

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Balance Transfer offer duration
12 mths
0% Purchase offer duration
12 mths
Representative % APR (variable)
27.9% APR
Transfer Fee
2.9%
You'll save £643

Representative Example

Tooltip

If you spend £1,200 at a purchase interest rate of 27.9% p.a. (variable) your representative APR will be 27.9% APR (variable)

What's Good

20% off Virgin Experience Days, plus many more Virgin Group discounts. Terms Apply
Virgin Money Back lets you earn cashback on your credit card spending at participating retailers. Sign up in the mobile app.
You are guaranteed to get the APR shown if you're accepted
No annual fee
Contactless payments on purchases up to £45

What's Bad

After the first 60 days, the balance transfer fees rise to 5.00%
You can't transfer a balance from another card issued by Clydesdale Bank PLC
Balance transfers and money transfers must be made within the first 60 days to get the promotional offer

Features

0% interest on balance transfers for 12 months, then 27.9% p.a. (variable) – 2.90% fee on transfers made in first 60 days, then 5.00%
0% interest on purchases for 12 months, then 27.9% p.a. (variable)
0% interest on money transfers for 12 months, then 27.9% APR (variable) - 4.00% fee on transfers made in first 60 days, then 5.00%
No annual fee

Eligibility

Must be aged 18 or over
Must be a UK resident
Must have a UK bank or building society account
Must have a good credit history
Must have an annual income of £7,000, or household income of at least £15,000
Must not be bankrupt, in an IVA, have CCJs or defaults

Rates and Fees

Balance Transfer OfferTooltip
Intro Rate
Tooltip0 %
Duration
Tooltip12 months
Transfer Fee
Tooltip2.9 %
Purchase OfferTooltip
Intro Rate
Tooltip0 %
Duration
Tooltip12 months
Annual Interest RatesTooltip
Balance Transfers
Tooltip27.9 %
Purchases
Tooltip27.9 %
Cash Withdrawals
Tooltip27.9 %
Other Key Facts
Annual Fee
Tooltip£0
Cash Advance Fees
Tooltip5 %
Minimum Age
18 years
Minimum Income
£7,000
Overseas Transaction Fee
Tooltip2.99 %

What does 'pre-approved' mean?

Pre-approved means you will get accepted for the card, and at the rate advertised, providing the information you give is accurate and you pass the lender's checks (which may include a responsible lending check using open banking information).

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You can find more information about coronavirus help and support here.

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TotallyMoney is an independent credit broker, not a lender. Our comparison service works with most leading lenders, covering the majority of the market. Though we may be paid a fee by lenders or brokers this never influences how our products are ranked.

We don't provide financial advice. Product information is obtained from independent sources and rates displayed may vary depending on your personal circumstances. While we make every effort to ensure that information is up to date, you should always confirm the terms of the offer with the product provider.

TotallyMoney is owned and operated by TotallyMoney Limited which is registered in England and Wales (Company Registration Number 06205695). TotallyMoney Limited is an Appointed Representative of TM Connect Limited, which is registered in England and Wales (Company Registration Number 06967012) and authorised and regulated by the Financial Conduct Authority in respect of consumer credit related activities (FCA FRN: 511936). Trading Address and Registered Office: Chapter House, 16 Brunswick Place, London N1 6DZ. Credit is available, subject to status, only to UK residents aged 18 or over.

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