Nectar American Express Credit Card vs Virgin Money All Round Credit Card (12 Month): fees, rewards and APR compared - DebitCue Skip to content
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Nectar American Express Credit Card vs Virgin Money All Round Credit Card (12 Month)

Compare Nectar American Express Credit Card and Virgin Money All Round Credit Card (12 Month) side by side: fees, rewards, APR, and perks.

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Compared side by side

Cells with a check mark are the stronger value in that row. Ties stay unmarked.

Nectar American Express Credit Card versus Virgin Money All Round Credit Card (12 Month) compared by attribute
Feature Nectar American Express Credit Card Virgin Money All Round Credit Card (12 Month)
Card fee £30 GBP/yr (≈ $38) No fee
Purchase APR (from) 29.1% 29.9%
Interest-free period 56 days 50 days
Foreign transaction fee 2.99% 2.99%
Rewards 2 Nectar points per £1 on everyday purchases; 3 Nectar points per £1 at Nectar partner retailers (Sainsbury's, Argos, eBay, etc.). Points worth 0.5p each at Sainsbury's/Argos, equivalent to approximately 1% cashback on general spend. Retailer cashback available through Virgin Money Cashback feature in the credit card app. Access to exclusive offers via Virgin Red app.
Installments Flexible instalment plan available -
No card fee -
No foreign transaction fee - -
Welcome bonus -
Airport lounge access - -
Travel insurance - -
Apple Pay / Google Pay

Which is right for you

Pick by how you spend

  • Choose the Nectar American Express Credit Card if its checked rows above line up with how you spend most.
  • Choose the Virgin Money All Round Credit Card (12 Month) if it wins on the features that matter most to you.
  • Still unsure? Read each full review below, then apply on the issuer's secure site.
Full review Nectar American Express Credit Card Full review Virgin Money All Round Credit Card (12 Month)

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