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Virgin Money 19 Month All Round Card - Guaranteed 25.9% APR

Balance Transfer offer duration
19 mths
Transfer Fee
Representative % APR (variable)
25.9% APR
You'll save £589

Representative Example


If you spend £1,200 at a purchase interest rate of 25.9% p.a. (variable) your representative APR will be 25.9% APR (variable)

What's Good

Contactless payments on purchases up to £100
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

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


0% interest on balance transfers for 19 months, then 25.9% p.a. (variable) – 2.90% fee on transfers made in first 60 days, then 5.00%
0% interest on money transfers for 16 months, then 27.9% APR (variable) – 4.00% fee on transfers made in first 60 days, then 5.00%
0% interest on purchases for 19 months, then 25.9% p.a. (variable)
No annual fee


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 or in an IVA

Calculate your savings

Savings Calculator


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You'll save 589

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 %
19 months
Transfer Fee
2.9 %
Purchase OfferTooltip
Intro Rate
0 %
19 months
Annual Interest RatesTooltip
Balance Transfers
25.9 %
25.9 %
Cash Withdrawals
27.9 %
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).

Coronavirus help and support

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

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We're on a mission to improve the UK's credit score and help people move on up to a better future.

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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