Virgin Money All Round Credit Card
Virgin Money's All Round card combines a 0% period on both purchases and balance transfers with Virgin Points earning, giving flexibility plus a loyalty reward on spending.
Why it ranks
- Dual 0% offer on purchases and transfers
- Virgin Points add loyalty value
- No annual fee
What holds it back
- A balance-transfer fee may apply
- Foreign transaction fee on overseas spend
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
Virgin Money's All Round card combines a 0% period on both purchases and balance transfers with Virgin Points earning, giving flexibility plus a loyalty reward on spending.
Virgin Money All Round Credit Card at a glance
| Issuer | Virgin Money |
| Card network | Mastercard |
| Annual fee | No annual fee |
| Welcome bonus | Introductory 0% on purchases and balance transfers |
| Rewards rate | Earn Virgin Points on eligible spending |
| Intro APR | 0% on purchases and balance transfers for an introductory period |
| Regular APR | Approx. 24.9% APR representative (variable) |
| Foreign transaction fee | Non-sterling transaction fee applies |
| Credit needed | Good credit history |
| Best for | Flexible borrowers who also like collecting Virgin Points |
| Airport lounge access | No |
Rewards & benefits
- 0% introductory period on purchases and balance transfers
- Earn Virgin Points on eligible spending
- No annual fee
- Manage your card in the Virgin Money app
Eligibility & who it suits
- UK resident aged 18 or over
- On the electoral roll at your current address
- Good credit score
- Pass Virgin Money affordability checks
How to apply
Check current rates on Virgin Money’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar UK cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | VMVirgin MoneyAll RoundNo annual fee · UK Virgin Money All Round Credit CardFlexible borrowers who also like collecting Virgin Points |
None | Earn Virgin Points on eligible spending | Introductory 0% on purchases and balance transfers | Non-sterling transaction f… | Good credit history | |
| 2 | BBarclaycardPlatinum Balance TransferNo annual fee · UK Barclaycard Platinum Balance TransferClearing existing credit-card debt interest-free |
None | No rewards; debt-clearance focus | No welcome bonus | 2.99% on foreign currency… | Good credit history |
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