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Virgin Money


  • Pay with easy
  • Low-interest starting from 18.9%
  • Low rate cards

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Virgin Money homepage

Author Virgin Money. Screenshot of Virgin Money website. [Accessed December 18, 2018]

About Virgin Money

Building a better banking experience for our customers is what we strive to do every day.

What sets us apart as a bank is our understanding of how the smallest things can make the biggest differences. And so, we sweat the small stuff and aim to make the biggest difference to your banking experience.  With our great benefits and features, you are sure to receive the most from our credit card ranges.

What we believe in

  • Easy money management
    All our personal finance products make managing your money that little bit easier. All our products and services are delivered with the utmost convenience.
  • Expert financial advice and guidance
    We offer educational guide, which have been designed to give you the facts about finance with the aim of helping making decisions about your money a little easier and more informative.
  • We will treat you as a person, not a number
    We make the whole experience a little more comfortable with our stores and lounges as we want you to feel at home when dealing with us.
  • Helping you raise more for charity
    Virgin Money Giving has been put in place to raise money for charity as we believe in a bank that makes a difference.
  • Recognising everyone as equal
    We have created a place where all our colleagues and customers feel welcome as we believe in equality for all.

Virgin Money Services

Why not have a work of art in your wallet. Apply for one of wide range of credit cards and choose the design of your card.

We believe the little things make all the difference to our valued customers. With a variable Representative 20.9% APR, we offer some of the most exciting and competitive credit cards available. Whatever you need, we have a credit card option to suit your requirements. From

Why choose Virgin Money credit cards?

  • We offer credit limits based on your individual circumstances
  • Various packages and features to meet your requirements
  • Transparent, honest banking services
  • Access to a fantastic range of Virgin offers, exclusively available to our customers
  • Relax with free coffee and WiFi in our customer lounges
  • Using our credit checker will not affect your credit rating
  • Easy, convenient online loan application process
  • Safe, secure website that is practical and offers convenience

What else do you get?

  • Virgin Group discounts – Enjoy great deals within the Virgin group as a Virgin Money customer.
  • Virgin RED application – Our Virgin RED app sends offers straight to your phone, keeping you updated every step of the way.
  • Virgin Money Back – Our latest card feature, which lets you earn cashback when you shop online.

Virgin Money Product Details

  • Loan Type Credit Cards
  • Interest Rate 18.9 – 22.9% p/a

Benefits of Virgin Money

  • Get cashback when you shop online
  • Apply for a credit card online
  • A range of quality credit cards
  • Choose the card that suits your needs

Virgin Money is a preferred provider in the UK

Before you apply for a Virgin Money credit card, use our online credit checker to see if you would be accepted for one of our credit card options.

It is the quickest way to see your chances of being accepted for a card. Checking your eligibility will not affect your credit rating in any way.

Application process

Our safe and secure online application is the easiest and quickest way to apply for a credit card. Alternatively, you can apply telephonically during standard office hours.

Virgin Atlantic Credit Cards

The Virgin Atlantic Credit Card Account linked to our credit cards allows for various opportunities to earn Flying Club miles faster, offering it own benefits such as flight upgrades and more.

Our credit card options

White Credit Card Account
Not only will you earn miles on purchases and other credit card payments, you also earn 3,000 miles with your first card purchase made within 90 days of account opening. Terms and conditions apply. There is no annual fee on our White credit card account. You are advised to perform an eligibility check before applying. It will not affect your credit rating and offers an almost immediate answer.

Black Credit Card Account
Customers are able to earn miles faster with the Virgin Atlantic Black Credit Card Account on credit card purchases and payments and an incredible 18,500 miles with your first card purchase made within 90 days of account opening. There is an £140 annual fee and once again you are encouraged to use our credit checker to see whether you qualify for one of credit card options.

Customer Reviews & Testimonials

Virgin tailored my credit card to my needs and financial capacity, they made me feel like the most important client they had.

Charlotte W
— Leeds —

I was happy with the rates and fees on my card when I found out about all the bonus benefits I was over the moon.

Evaleen M
— Newcastle —

Virgin Money Contact Details

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed