Skip to main content

Virgin Money 16 Month BT Card - Guaranteed 29.9% APR

Balance Transfer offer duration
16 mths
Transfer Fee
Representative % APR (variable)
29.9% APR
You'll save £502

Representative Example


If you spend £1,200 at a purchase interest rate of 29.9% p.a. (variable) your representative APR will be 29.9% APR (variable)

What's Good

Virgin Money Back lets you earn cashback on your credit card spending at participating retailers. Sign up in the mobile app
The rate you see here is the rate you will get, if accepted
No annual fee

What's Bad

You can't transfer a balance from another card issued by Virgin Money, Clydesdale Bank, Yorkshire Bank or B credit card and should not use your card to repay other borrowing from Clydesdale Bank PLC
Balance transfers and money transfers must be made within the first 60 days to get the promotional offer


0% interest on balance transfers for 16 months, then 29.9% p.a. (variable) - 3% fee on transfers made in the first 60 days from account opening
0% on purchases for 3 months, then 29.9% p.a. (variable)
0% interest on money transfers for 12 months, then 29.9% p.a. (variable) - 4.00% fee on transfers made in the first 60 days from account opening


Must be aged 18 or over
Must be a UK resident with a permanent address for at least 3 years
Must have a UK bank or building society account
Must have an annual income of at least £15,000

Calculate your savings

Savings Calculator


How much would you like to transfer?


How much can you repay monthly?


What's your current card's APR?

Update Savings

You'll save 502

See how we calculate this

Your savings

Interest savedInterest savedThe interest saved over the length of the 0% deal compared to borrowing on a card with your current APR (over the 0% period)
Transfer feeTransfer feeThe one off handling fee that you will have to pay if you transfer a balance
Annual feeAnnual feeSome cards charge an annual fee, although the majority are fee free
You'll save

We calculate the interest you would save by holding your balance on the new 0% interest card instead of your current card, taking into account the transfer fee, over the length of the 0% offer.

We assume you won’t do any spending on the card as this is usually charged at a different rate. For a full list of assumptions click here

Rates and Fees

Balance Transfer OfferTooltip
Intro Rate
0 %
16 months
Transfer Fee
3 %
Purchase OfferTooltip
Intro Rate
0 %
3 months
Annual Interest RatesTooltip
Balance Transfers
29.9 %
29.9 %
Cash Withdrawals
29.9 %
Other Key Facts
Annual Fee
Cash Advance Fees
5 %
Minimum Age
18 years
Minimum Income
Overseas Transaction Fee
2.99 %

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).

We're on a mission to help everyone move their finances forward and gain financial momentum.

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.

We use cookies as described in our Cookie Policy. Continue browsing or click to accept.