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Virgin Money 12 Month All Round Card - Guaranteed 29.9% APR

0% Purchase offer duration
12 mths
Representative % APR (variable)
29.9% APR
You'll save £264

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

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


0% interest on balance transfers for 12 months, then 29.9% p.a. (variable) – 2.90% fee on transfers made in first 60 days, then 5.00%
0% interest on purchases for 12 months, then 29.9% p.a. (variable)
0% interest on money transfers for 12 months, then 29.9% APR (variable) - 4.00% fee on transfers made in first 60 days, then 5.00%
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, in an IVA, have CCJs or defaults

Calculate your savings

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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 OfferTooltip
Intro Rate
0 %
12 months
Transfer Fee
2.9 %
Purchase OfferTooltip
Intro Rate
0 %
12 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).

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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