Check Eligibility for the Virgin Money 12 Month All Round Card

Back to cards

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

0% Purchase offer duration

12 mths

Representative % APR (variable)

27.9% APR

You'll save £264

Check My Eligibility

Representative Example

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

Calculate your savings

Savings Calculator

Amount

How much would you like to spend?

% APR

What's your current APR?

Update Results

You'll save 264

We calculate the interest you would save by spending 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 that the purchase is made in the first month of opening the card.

Rates and Fees

Balance Transfer Offer

Intro Rate

0 %

Duration

12 months

Transfer Fee

2.9 %

Purchase Offer

Intro Rate

0 %

Duration

12 months

Annual Interest Rates

Balance Transfers

27.9 %

Purchases

27.9 %

Cash Withdrawals

27.9 %

Other Key Facts

Annual Fee

£0

Cash Advance Fees

5 %

Minimum Age

18 years

Minimum Income

£7,000

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.

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