Back to cards

Virgin Money 20 Month All Round Card - Guaranteed 21.9% APR

Purchase offer duration
20 months
Representative APR (variable)
21.9 % APR
  • 0% interest on balance transfers for 20 months
  • 0% interest on purchases for 20 months
  • 0% interest on money transfers for 12 months
Check My Eligibility

Calculate your savings

Savings Calculator

Amount

How much would you like to spend?

% APR

What's your current APR?

Update Results

You'll save 423

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.

Features

  • 0% interest on balance transfers for 20 months, then 21.9% APR (variable) – 2.90% fee on transfers made in first 60 days, then 5.00%
  • 0% interest on money transfers for 12 months, then 23.9% APR (variable) - 4.00% fee on transfers made in first 60 days, then 5.00%
  • 0% interest on purchases for 20 months, then 21.9% APR (variable)

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 & Fees

  • Balance Transfer OfferBalance Transfer OfferSome cards offer a special introductory interest rate on balances transferred from another credit card. Rates and duration can differ depending on individual circumstance
    Intro RateIntro RateThe lowest interest rate you will be charged over the balance transfer period on any balance transferred to the card depending on individual circumstance0 %
    DurationDurationThe length of time that you will be charged the introductory rate on any balance transferred to the card20 months
    Transfer FeeTransfer FeeThe one off handling fee that you will have to pay if you transfer a balance2.9 %
  • Purchase OfferPurchase OfferSome cards offer a special introductory interest rate on spending on the card
    Intro RateIntro RateThe lowest interest rate you will be charged over the purchase period on any new spending on the card depending on individual circumstance0 %
    DurationDurationThe length of time that you will be charged the introductory rate on new spending20 months
  • Annual Interest RatesStandard APRsThe Annual Interest Rate is the lowest interest rate that you will be charged on different types of borrowing after the end of any introductory offers. However, you may be charged higher rates depending on individual circumstance.
    Balance TransfersBalance TransfersThe lowest interest rate you will be charged on balance transfer after the end of any introductory offers depending on individual circumstance.21.9 %
    PurchasesPurchasesThe lowest interest rate you will be charged on new spending after the end of any introductory offers depending on individual circumstance.21.9 %
    Cash WithdrawalsCash WithdrawalsThe lowest interest rate you will be charged on any cash withdrawals you make with the card depending on individual circumstance.27.9 %
  • Other Key Facts
    Annual FeeAnnual FeeSome cards charge an annual fee, although the majority are fee free£0
    Cash Advance FeesCash Advance FeesThe proportion of any cash withdrawal you make on the card that you will be charged as fee5 %
    Minimum Age18 years
    Minimum Income£0
    Overseas Transaction FeeOverseas Transaction FeeThe proportion of any overseas transaction you make on the card that you will be charged as fee2.99 %

What do 'pre-approved' and 'card 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).

Card approved means that you will get accepted for the card, providing the information you give is accurate and you pass the lender's checks, but could be offered a different rate to that advertised.

Coronavirus help and support

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