Virgin Money offers credit cards in five categories: Virgin Atlantic rewards, balance transfer, all-round (purchases plus balance transfers), travel and everyday cashback. This guide covers each card’s main features, fees and representative examples.

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Virgin Money and Virgin Atlantic credit cards are issued by Nationwide Building Society (trading as Virgin Money), following the transfer of Virgin Money’s business to Nationwide on 2 April 2026.

Virgin Money’s Card Checker shows the likelihood of acceptance before applying, without affecting your credit score. Checking eligibility doesn’t guarantee acceptance, which depends on Virgin Money’s own criteria and checks.

Virgin Atlantic Credit Cards

The Virgin Atlantic Reward and Reward+ cards earn Virgin Points on card spending, which can be used for flights, upgrades and other rewards through Virgin Atlantic’s Flying Club.

Points earned each month are capped based on the card’s credit limit. For example, a £5,000 credit limit earns points on the first £5,000 of purchases that month, with no points on spending beyond that. Points aren’t earned on cash transactions, balance transfers or money transfers.

The reward voucher can be used for either a one-cabin upgrade or a companion ticket. Flying Club tier affects the voucher’s maximum value rather than which option is available: up to 75,000 Virgin Points for Red members, and up to 150,000 for Silver and Gold members. Taxes and charges apply.

Virgin Atlantic Reward: Representative 26.9% APR variable. Based on an assumed credit limit of £1,200 at a purchase rate of 26.9% p.a. (variable) with no annual fee.

Virgin Atlantic Reward+: Representative 69.7% APR variable. Based on an assumed credit limit of £1,200 at a purchase rate of 26.9% p.a. (variable) and a £160 annual fee.

Balance transfer credit cards

Virgin Money’s balance transfer cards allow cardholders to move up to 95% of their credit limit from another UK Visa or Mastercard credit or store card. Transfers must be made within 60 days of account opening to get the promotional rate. A one-off transfer fee applies, and the length of the 0% period depends on individual circumstances rather than being the same for every applicant. The cards also include a money transfer option, which moves funds directly into a bank account, with its own fee. Read more: What is a balance transfer?

Representative example: Representative 27.9% APR variable. Based on an assumed credit limit of £1,200 at a purchase rate of 27.9% p.a. (variable) with no annual fee.

Summary

• Transfer up to 95% of the credit limit from another Visa or Mastercard card

• 60-day window for transfers to get the promotional rate

• 0% period length depends on individual circumstances

• Money transfer option, with its own fee

• No annual fee

All Round credit card

The All Round card combines a 0% period on purchases with balance transfers (and sometimes money transfers) on the same card. As with the balance transfer cards, the length of the 0% period depends on individual circumstances. Balance and money transfers must be made within 60 days of account opening to get the promotional rate, and each carries its own fee.

Representative example: Representative 27.9% APR variable. Based on an assumed credit limit of £1,200 at a purchase rate of 27.9% p.a. (variable) with no annual fee.

Summary

• 0% on purchases and balance transfers (and sometimes money transfers) on one card

• 0% period length depends on individual circumstances

• 60-day window for balance and money transfers

• No annual fee

Travel credit card

The Travel Credit Card charges no foreign exchange fees on purchases made worldwide. It offers 0% interest on purchases for 9 months from account opening, and 0% on balance and money transfers for 9 months (fees apply). A 3% cash advance fee applies to cash withdrawals and foreign currency purchases, in the UK and abroad, and interest on cash is charged from the date of the transaction. See also: travel credit cards.

Representative example: Representative 27.9% APR variable. Based on an assumed credit limit of £1,200 at a purchase rate of 27.9% p.a. (variable) with no annual fee.

Summary

• No foreign exchange fees on purchases worldwide

• 0% on purchases for 9 months

• 0% on balance and money transfers for 9 months (fees apply)

• 3% cash advance fee; interest on cash charged from the transaction date

• No annual fee

Everyday Cashback credit card

The Everyday Cashback card earns 1% cashback on purchases for the first 90 days, then 0.25%, with cashback capped at £15 a month throughout. Cashback is deducted from the balance automatically each month and doesn’t count towards the minimum payment. The card charges no foreign exchange fees on purchases worldwide, and a 5% cash advance fee applies to cash withdrawals and foreign currency purchases.

Cashback isn’t earned on balance transfers, money transfers or cash advances (which include ATM withdrawals, gambling transactions and buying foreign currency). Where there are additional cardholders, the £15 monthly cap applies per account, not per cardholder. The card doesn’t have a 0% promotional period on purchases or balance transfers.

Representative example: Representative 27.9% APR variable. Based on an assumed credit limit of £1,200 at a purchase rate of 27.9% p.a. (variable) with no annual fee.

Summary

• 1% cashback for the first 90 days, then 0.25%, capped at £15 a month

• No foreign exchange fees on purchases worldwide

• 5% cash advance fee

• Cashback deducted from the balance automatically; doesn’t count towards the minimum payment

• No annual fee

Summary of Virgin Money credit cards

This summary covers Virgin Money’s own cards and doesn’t cover the whole market. Cards from other providers may suit some people better.

Balance transfer costs

On the Balance Transfer and All Round cards, the transfer fee generally rises with the length of the 0% period offered. Any balance remaining when the promotional period ends is charged interest at the card’s standard rate. The total cost of a transfer therefore depends on the fee, whether the balance is cleared within the 0% period, and making at least the minimum payment each month (a missed payment can end the promotional rate). Our balance transfer cards guide compares offers from other providers.

Promotional terms can change, so it’s worth checking the current offer, including the exact 0% period and transfer fee, directly with Virgin Money before applying.

FAQs

Can I have two Virgin Money credit cards?

It’s possible to be approved for a second Virgin Money credit card, but a balance can’t be transferred between two cards issued by Virgin Money or Nationwide, only from another lender’s card.

How do I close a Virgin Money credit card?

Closing a credit card account requires contacting Virgin Money directly. Any outstanding balance needs to be repaid, and Virgin Money can confirm the process.

Who issues Virgin Money and Virgin Atlantic credit cards?

Virgin Money and Virgin Atlantic credit cards are issued by Nationwide Building Society (trading as Virgin Money), following the transfer of Virgin Money’s business to Nationwide on 2 April 2026. Nationwide is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 106078.

Card details correct as of 22 September 2026. Terms, rates and features are subject to change — always verify current details before applying. This article is for general information only and does not constitute financial advice.