Updated September 28, 2026 · DebitCue Editorial Team
Ocean Finance Card vs Virgin Atlantic Reward Credit Card
Ocean Finance Card
Virgin Atlantic Reward Credit Card
Higher score in this comparison
Ocean Finance Card vs Virgin Atlantic Reward Credit Card: the differences
| Compare | Ocean Finance CardReviewSee alternativesSee alternatives | Virgin Atlantic Reward Credit CardReviewSee alternativesSee alternatives |
|---|---|---|
| APR | 39.9% | 27.9%Lower |
| Rewards type | None | Cashback |
| Balance transfer intro period | 6 months | 21 monthsHigher |
| Balance transfer fee | 2.9%Lower | 2.95% |
| Perks | Credit limit of GBP 200 to GBP 8,000, Section 75 protection on purchases between GBP 100 and GBP 30,000, Mobile app to make payments and check balance, Free email and text alerts, Card usable online before the physical card arrives, Eligibility check does not affect credit score, No Apple Pay | Up to 21 months 0% interest on balance transfers, Up to 21 months 0% interest on purchases, Money transfer option, Virgin Money Cashback offers in the credit card app, 24/7 in app chat support with Redi, Virgin Money Rewards and Virgin Red offers |
| Annual fee | £0 | Not confirmed |
| Currency conversion fee | Not confirmed | 0% |
| Credit needed | Poor | Not confirmed |
Same on both: Card kind (Credit).
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Key differences
- Virgin Atlantic Reward Credit Card scores higher overall: 9.3 vs 9.2.
- APR is lower at Virgin Atlantic Reward Credit Card: 27.9% vs 39.9%.
- Balance transfer fee is lower at Ocean Finance Card: 2.9% vs 2.95%.
- Balance transfer intro period is higher at Virgin Atlantic Reward Credit Card: 21 months vs 6 months.
- Perks: only Ocean Finance Card offers Credit limit of GBP 200 to GBP 8,000, Section 75 protection on purchases between GBP 100 and GBP 30,000, Mobile app to make payments and check balance.
- Perks: only Virgin Atlantic Reward Credit Card offers Up to 21 months 0% interest on balance transfers, Up to 21 months 0% interest on purchases, Money transfer option.
- Support channels: only Ocean Finance Card offers Email.
Our verdict on each
Ocean Finance Card
Ocean Finance Card suits applicants with poor credit who want a UK credit card with no annual fee, £0, and a balance transfer option. Borrowing is the expensive part, with 39.9% charged on revolving balances, so the card only pays off if you clear balances or keep them off the card.
Virgin Atlantic Reward Credit Card
The Virgin Atlantic Reward Credit Card is a credit card from Nationwide Building Society, trading as Virgin Money, and it suits anyone clearing an existing balance while earning cashback. The interest free transfer window runs 21 with a fee of 2.95%, and support runs through chat, help centre and phone.
Score breakdown
| Area | Ocean Finance Card | Virgin Atlantic Reward Credit Card |
|---|---|---|
| Cost | 9.0There is no annual fee, £0, and a balance transfer fee of 2.9%, so cost sits in the interest on revolving balances. | 9.1HigherPurchases run at 27.9% against a typical 20.97% on the site, while £0 keeps the account fee at nothing. |
| Offer | 9.3A transfer window of 6 with a 2.9% fee is the only offer, and rewards on spending are none. | 9.4HigherRewards are cashback, with a money transfer option and an interest free period on purchases. |
| Trust | 9.3 | Not confirmed |
Licences and countries
| Country | Ocean Finance Card | Virgin Atlantic Reward Credit Card |
|---|---|---|
| United Kingdom | Financial Conduct Authority 310069 |
Available in 1 country for both.
Which one suits you
Pick Ocean Finance Card if balance transfer fee matter most.
Pick Virgin Atlantic Reward Credit Card if apr and balance transfer intro period matter most.
Sources behind this comparison
Ocean Finance Card
- oceanfinance.co.uk: 13 facts, checked September 26, 2026
Virgin Atlantic Reward Credit Card
- uk.virginmoney.com: 11 facts, checked September 26, 2026
How they place
| Ranking | Ocean Finance Card | Virgin Atlantic Reward Credit Card |
|---|---|---|
| Credit cards | 132 of 1020 | 112 of 1020 |
| Balance transfer cards | 6 of 35 | 4 of 35 |
Every fact side by side
| Fact | Ocean Finance Card | Virgin Atlantic Reward Credit Card |
|---|---|---|
| Pricing model | No annual fee | Not confirmed |
| Features | Not confirmed | Rewards |
| Legal entity | Intelligent Lending Limited | Nationwide Building Society (trading as Virgin Money) |
| Headquarters | United Kingdom | United Kingdom |
| Founded | 1991 | Not confirmed |
| Support channels | Chat, Phone, Email, Help centreCovers more | Chat, Help centre, Phone |
Debit cards
| Fact | Ocean Finance Card | Virgin Atlantic Reward Credit Card |
|---|---|---|
| Monthly fee | Not confirmed | £0 |
| Card type | Not confirmed | Debit |
Where each stands against the rest
| Fact | Ocean Finance Card | Virgin Atlantic Reward Credit Card | Median |
|---|---|---|---|
| Annual fee | £0at the median | Not confirmed | £0 |
| APR | 39.9%highest quarter | 27.9%highest quarter | 19.39% |
| Currency conversion fee | Not confirmed | 0%below the median | 1% |
| Balance transfer intro period | 6 monthslowest quarter | 21 monthsabove the median | 15 months |
| Balance transfer fee | 2.9%below the median | 2.95%below the median | 3% |
Median across 312 listed cards.
Pros and cons
Ocean Finance Card
Pros
- The card is built for applicants with poor credit, and the eligibility check does not affect your credit score.
- Purchase protection covers spending inside a range set out in Credit limit of GBP 200 to GBP 8,000, Section 75 protection on purchases between GBP 100 and GBP 30,000 and Mobile app to make payments and check balance, so a supplier that fails to deliver has a claim route.
- Support runs on chat, phone and email, and the mobile app covers payments and balance checks.
Cons
- 39.9% sits above the 34.9% upper end of bad credit cards, so carrying a balance is expensive.
- Rewards on spending are none, so nothing comes back on everyday purchases.
Virgin Atlantic Reward Credit Card
Pros
- The listed Up to 21 months 0% interest on balance transfers, Up to 21 months 0% interest on purchases and Money transfer option put an interest free period on purchases alongside the balance transfer offer, so everyday spending can run interest free too while an old balance is being cleared.
- Help runs through chat, help centre and phone, with chat with Redi in the card app day and night for a quick answer on a charge or a transfer.
- The issuer is Nationwide Building Society (trading as Virgin Money), regulated in the UK by the Prudential Regulation Authority under reference 106078.
Cons
- Purchases run at 27.9%, above the typical 20.97% across the site, so a balance carried beyond the interest free window is costly to keep.
- It sits at position 105 of 133 brands on APR, which leaves less expensive rates sitting elsewhere in the comparison.
- Transfers cost 2.95% each, and 21 is the maximum interest free window offered rather than a fixed run for every applicant.
Who each suits
Ocean Finance Card
Who it suits
- Applicants with poor credit who want a limit without paying an annual fee.
- Borrowers moving a balance who can cover the 2.9% transfer fee and clear it inside the intro period.
- People who put an eligibility check that leaves their credit score alone, and the purchase protection in Credit limit of GBP 200 to GBP 8,000, Section 75 protection on purchases between GBP 100 and GBP 30,000 and Mobile app to make payments and check balance, above cash back.
Who should look elsewhere
- Starling Personal Account Debit Card fits day to day spending from money already in an account, with a borrowing rate of 15% instead of revolving card interest.
- Chime Card (Secured Visa Credit Card) suits customers shopping in the US who want a secured line, with an annual fee of $0.
- Varo Believe Secured Credit Card suits savers who prefer a secured card, with an annual fee of $0.
Virgin Atlantic Reward Credit Card
Who it suits
- Anyone clearing a balance on an existing card and willing to pay 2.95% for 21 of interest free running.
- Existing Virgin Money customers who already use the app, since the listed Up to 21 months 0% interest on balance transfers, Up to 21 months 0% interest on purchases and Money transfer option are built around in app chat and cashback offers.
- Cashback shoppers who want an interest free period on purchases as well as on transfers, with both covered in the Up to 21 months 0% interest on balance transfers, Up to 21 months 0% interest on purchases and Money transfer option.
Who should look elsewhere
- Not for anyone after the lowest possible rate: the Varo Believe Secured Credit Card is listed at 0%, though it works as a secured card.
- Not for pure everyday spending from an account balance, where the Starling Personal Account Debit Card at 15% is the simpler arrangement.
- Not for paying interest month to month, since the AXI Card Tarjeta y Credito lists 21.59% against 27.9% here.
Current offers
Ocean Finance Card
Current offer
First period offer
0% for 6 months on balance transfers and purchases on the Ocean Credit Card: 0% for 6 months, 2.9% balance transfer fee
Representative 39.9% APR (variable) after the offer, purchase rate 39.94% APR (variable), credit subject to status
Source, checked September 26, 2026
Virgin Atlantic Reward Credit Card
Current offer
Bonus
0% interest for up to 21 months on balance transfers and purchases on the all round credit card: 0% for up to 21 months, 2.95% balance transfer fee
Promotional offer varies based on your circumstances and starts from account opening date; applies to transfers made in the first 60 days. Credit is available, subject to status, only to UK residents aged 18 or over.
Source, checked September 26, 2026
Bonus
Get 0% interest on balance transfers for up to 36 months on the balance transfer credit card: 0% for up to 36 months, fee per transfer
Promotional offer varies based on your circumstances and starts from account opening date. Applies to transfers made in the first 60 days. Fees and terms apply.
Source, checked September 26, 2026
Bonus
Virgin Money Cashback from selected top retailers on the Everyday Cashback Credit Card: up to 12% additional cashback
Register in the Virgin Money Credit Card app. Terms apply. Cashback credited monthly; does not count towards your monthly minimum payment.
Source, checked September 26, 2026
First period offer
Everyday Cashback introductory rate: 1% cashback for the first 90 days, then 0.25%, up to £15 a month
90 days starts from when the account opens; cashback deducted from your card balance monthly. Other fees may apply.
Source, checked September 26, 2026
Country by country
| Country | Ocean Finance Card | Virgin Atlantic Reward Credit Card |
|---|---|---|
| United Kingdom | Yes | Yes |
Questions about each
Ocean Finance Card
What does it cost to hold the Ocean Finance Card?+
The annual fee is £0, so holding the card costs nothing to run. A balance transfer carries a fee of 2.9%, and anything left on the credit card balance is charged at 39.9% until it is paid.
What rate does the Ocean Finance Card charge?+
The rate is 39.9%, high against the bad credit card group, where the upper quartile sits at 34.9%. Interest only applies to balances you do not clear, so the card costs nothing extra if you pay in full each month.
Virgin Atlantic Reward Credit Card
What does it cost to hold and to borrow?+
The monthly fee is £0, so holding the account adds nothing in account fees. Borrowing is the expensive part: purchases run at 27.9%, and each balance transfer costs 2.95%. The transfer figure is the one to weigh against a card that charges nothing to move a balance.
How long is the interest free period on a balance transfer?+
The interest free window on balance transfers runs 21, and moving a balance costs 2.95%. Once that window ends the purchase rate of 27.9% is what applies, so the card works when the balance is cleared inside the period. Treat the window as the maximum rather than a fixed run.
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Ocean Finance Card
Virgin Atlantic Reward Credit Card