Credit Card Review & Application
Virgin Credit Card
- 0% for 20 months on balance transfers (from the date your account is opened. Transfers to be made within first 60 days. 2.99% handling fee applies)
- 0% for 3 months on card purchases* (from the date your account is opened)
- Discounts at loads of Virgin companies
- Discounted vouchers for leading high street stores
- Representative Example: 16.8% APR Representative (variable). Based on 2.99% balance transfer fee, credit limit of £1200.00, annual interest rate (variable) 16.8%.
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| Intro APR: | 0%* |
| Intro Period: | up to 20 months |
| Representative APR: | 16.80% (variable) * |
| Annual Fee: | £0.00* |
| Issuer: | Virgin Finance |
| Card Network: | MasterCard® |
| Card Category: | Consumer (Regular) |
| Card Type: | - Co-Branded Credit Card - Instant Decision Card |
| Credit Needed: | Fair* |
Virgin Credit Card is an average credit card for consumers in need of a credit card on which to consolidate daily expenses. This card comes with a variety of benefits, discounts, and features to entice interested persons who qualify. The card was designed for consumers having fair credit and above.
An introductory APR period charges no interest on balance transfers over a long term period. Members must make transfers within 60 days of card opening to qualify for intro rates. The intro period also covers purchases with no interest charged over a short term period. After the intro period, Purchase APR varies but remains highly competitive. Balance transfers incur a 2.49% handling fee, the same fee applies to cash advances. Members who purchase items in foreign currency incur a 2.99% foreign currency transaction fee.
This credit card comes with no annual fee.
Card members enjoy online account access at no extra cost. Monthly online statements are uploaded ensuring members are up to date with spending, card charges and other transactions regarding their accounts. Members can also manage their accounts using a mobile phone.
Although there's no rewards program available to consumers using this card, members are eligible for various discounts with participating merchants and retailers. A number of retailers such as Virgin Holidays awards up to 10% discount to customers paying with this card. Other high street vouchers are also available.
Additional benefits include travel accident insurance worth up to £100,000. This policy applies to air travel and card members should pay total travel expenses using the card in addition to fulfilling other conditions in the policy summary. Purchase Protection Insurance ensures members suffering buyers' remorse will receive compensation. Both insurance policies come at no extra cost.
Virgin Credit Card is issued by MBNA Europe. The card comes on the MasterCard(R) network with millions of accepting merchants and retailers located in over 200 countries around the world. Interested persons may fill and submit the online application for a speedy response due to the instant decision feature.
We advise you read and understand the cards' terms and conditions before applying.
| Other Benefits: | - Manage your account online or over the phone 24/7 - Awesome discounts like 10% off at zavvi, 10% off Virgin Holidays, discounted high street vouchers and more… - FREE Purchase Protection Insurance† (Policy summary) - FREE Travel Accident Insurance† up to £100,000 (Policy summary) |
| Online Account Access: | Yes |
| Introductory APR: | 0%* |
| Applied Towards: | Purchases, Balance Transfer |
| Introductory Period: | up to 20 months* |
| Representative APR: | 16.80% (variable)* |
| Annual Fee: | £0.00* |
| Grace Period: | 50 days* |
| Min Finance Charge: | £0.50 |
| Late Payment Fee: | £12.00* |
| Over Limit Fee: | £12.00 |
| Balance Transfer: | Yes |
| Transfer Fee (%): | 2.99% |
| Minimum Fee: | £3.00 |
| APR Cash Advances: | 27.90% |
| Cash Advance Fee: | 2.98% |
| Minimum Fee: | £3.00 |
| Additional Fees | Commission on foreign currency transactions: 2.99% |
| Apply Now |
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† Information concerning the Virgin Credit Card is confirmed to be accurate at the time of publication (Jan 8, 2012). We strive to keep this information updated but cannot guarantee its accuracy. Readers are strongly advised to go through appropriate terms and conditions attached to a product before submitting the application.
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British Airways American Express Premium Plus Card
- Intro APR: N/A*
- APR: 19.90% (var)*
- Annual Fee: £150.00*
* * *