The Virgin Credit Card
The Virgin Card features a balance transfer offer that's at the higher end of what's available - you'll pay no interest at all for 20 months on balances transferred within the first 60 days of account opening. Unfortunately, there's a 2.99% handling fee on all balance transfers, but this is par for the course nowadays.
Virgin cardholders also benefit from an introductory deal on purchases - 0% for 3 months, which gives you some breathing space on large purchases.
The standard rate of the card is 16.8% representative APR (variable), and cardholders have access to a wide range of discounts on other Virgin products and high street stores.
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Virgin Credit Card Details
| Standard Rate: | 16.8% Representative APR (variable) |
| Balance Transfer Deal? | 0% APR for 20 months (2.99% handling fee transfer fee applies) |
| Purchases Deal? | 0% APR for 3 months |
| Minimum Balance Transfer Fee: | £3 |
| Introductory Cashback | |
| Standard Cashback | - |
| Rewards Program | Discounts on a range of Virgin products |
| Annual Fee: | - |
| Interest Free Period: | 50 days |
| Minimum Repayment: | The greater of £25 or 3% of the outstanding balance |
| Minimum Credit Limit: | Decided at account opening |
| Notes: | The Virgin Card features a long 0% balance transfer period and awesome discounts on Virgin products |
| Representative Example: | Assumed borrowing of £1200, representative 16.8% APR (variable). Purchase rate 16.8% PA. |
