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Virgin Money

Thinking of taking out a Virgin Money credit card? Read our guide on which kinds of credit cards they offer.

Thinking of taking out a Virgin Money credit card? Read our guide on which kinds of credit cards they offer.

Who is Virgin Money?

Virgin Money is a banking and financial services brand founded in 1995. It was taken over by the Clydesdale and Yorkshire Bank Group in 2018 and now serves 6.6 million retail and business banking customers.

The company has several partner programmes, including Virgin StartUp, which supports and monitors young entrepreneurs. It also works with Macmillan Cancer Support.

From current accounts and loans to mortgages, Virgin Money offers a suite of banking products, including credit cards.

Which is the best Virgin Money credit card for me?

Virgin Money has a wide range of credit cards to choose from. Whether any are suitable for you will depend on your needs and your individual financial situation.

Balance Transfer credit card

Move a balance from another credit or store card to this balance transfer credit card.

Money Transfer credit card

Borrow money on the card and transfer it to your current account.

All Round credit cards

One card that you can use for both balance transfers and daily spending.

Virgin Atlantic credit cards

A choice of two different reward cards. Spend on the card and earn Virgin Points to use for flights or upgrades.

Manchester United credit card

Get a 10% discount when you use your card at the Manchester United Megastore, Red Card and online at United Direct, subject to conditions.

Virgin Money Slyce

A buy now, pay later product which allows you to pay for items in instalments of three, six, nine or 12 months.

Why choose Virgin Money?

It’s easy to manage your money using the Virgin Money Credit Card app. And if you do,  you can get cashback on your spending at selected retailers.

The Manchester United credit card offers a range of discount offers, including 20% off advance booking on Museum and Stadium tours, subject to conditions. It also offers the chance to win tickets for Manchester United games.


To be eligible for Virgin Money credit cards, you’ll need to:

  • Be at least 18 years old
  • Be a UK resident
  • Have a UK bank or building society account
  • Have an income of at least £7,000, or a household income of at least £15,000.

Why compare credit cards with Compare the Market?

Check eligibility quickly

See what cards you’re likely to be eligible for in under 4 minutes[1]

See credit cards from a wide range of providers

We compare credit cards from 16 providers[1]

Find out what credit cards you could be eligible for

Without it impacting your credit score

[1] Correct as of March 2024.

Compare the Market Limited acts as a credit broker, not a lender. To apply you must be a UK resident and aged 18 or over. Credit is subject to status and eligibility.

Frequently asked questions

How long does it take to get a Virgin Money credit card?

Once your application has been approved, you’ll receive your credit card within 7-10 business days.

Can I get a Virgin Money credit card with bad credit?

You won't be approved for a Virgin Atlantic credit card if you’re bankrupt or in an Individual voluntary arrangement, you have county court judgments for debt or defaults and if you have no credit history.

If you have bad credit or no credit history, a credit builder card could help build up your credit score.

How to contact Virgin Money

You can contact customer service on 0800 011 3210 (Monday to Saturday 8:00am to 8:00pm and Sunday 10:00am to 5:00pm)

If you need help managing your card, you can chat online with a team member or use the Virgin Money Credit Card app.

How do I apply for a Virgin Money credit card?

You can apply for the Virgin Money credit cards online.

Before you make a full application, it’s worth checking whether you’re likely to be approved for a card. That way, you won’t risk damaging your credit score by making an application that’s likely to be rejected.

You can see which credit cards you’re likely to be approved for without impacting your credit score when you use our credit card eligibility checker.