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Virgin Money Travel Credit Card - Guaranteed 22.9% APR

International Fee
Representative % APR (variable)
22.9% APR

Representative Example


If you spend £1,200 at a purchase interest rate of 22.9% p.a. (variable) your representative APR will be 22.9% APR (variable)

What’s Good

Absolutely no fees on overseas purchases
Accepted worldwide in all Mastercard locations

What’s Bad

Balance transfer and money transfer fees rise to 5.00% after the first 60 days
You can't transfer a balance from another card issued by Clydesdale Bank PLC
There is no foreign transaction fees on ATM withdrawals however the standard 3% cash advance fee will apply


0% interest on balance transfers for 9 months, then 22.9% APR (variable) – 2.00% fee on balance transfers made in first 60 days, then 5.00%
0% interest on purchases for 9 months, then 22.9% APR (variable)
0% interest on money transfers for 9 months, then 24.9% APR (variable) - 4.00% fee on money 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 or in an IVA

Rates and Fees

Balance Transfer Offertooltip
Intro Rate
0 %
9 months
Transfer Fee
2 %
Purchase Offertooltip
Intro Rate
0 %
9 months
Annual Interest Ratestooltip
Balance Transfers
22.9 %
22.9 %
Cash Withdrawals
28.9 %
Other Key Facts
Annual Fee
Cash Advance Fees
3 %
Minimum Age
18 years
Minimum Income
Overseas Transaction Fee
0 %
What does ’pre-approved’ mean?

If you are pre-approved, this means that you will get the card or loan, at the rate advertised, providing the information you give us in accurate and you pass the lender’s final checks, which include fraud and responsible lending safeguards

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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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