Monzo Perks
Cash back
Monzo Perks
Monzo - Mastercard - Debit card
4.3
4.3 out of 5
8.6/10
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Head-to-head
Monzo Perks vs Virgin Money All Round Credit Card (20 Month)
Compare Monzo Perks and Virgin Money All Round Credit Card (20 Month) side by side: fees, rewards, APR, and perks.
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Virgin Money All Round Credit Card (20 Month)
Cash back
Virgin Money All Round Credit Card (20 Month)
Virgin Money - Mastercard - Credit card
4.5
4.5 out of 5
9.0/10
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Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | Monzo Perks | Virgin Money All Round Credit Card (20 Month) |
|---|---|---|
| Card fee | £7 GBP/mo (≈ $9) | No fee |
| Purchase APR (from) | - | 24.9% |
| Interest-free period | - | 50 days |
| Foreign transaction fee | 0% | 2.99% |
| Rewards | All Extra-tier cashback and savings features, plus lifestyle perks: weekly Greggs treat voucher, annual 1/3-off Railcard, monthly Vue cinema ticket, and Uber One membership trial. 0.50% AER savings boost on instant-access pots. | Retailer cashback available through Virgin Money Cashback feature in the credit card app. Access to exclusive offers via Virgin Red app. |
| Installments | - | - |
| 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 Monzo Perks if its checked rows above line up with how you spend most.
- Choose the Virgin Money All Round Credit Card (20 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.
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