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Virgin Money All Round Credit Card (20 Month)

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Card review

Virgin Money All Round Credit Card (20 Month)

4.5 9.0/10 DebitCue Score Verified Jun 20, 2026

20 months 0% on both purchases and balance transfers

Fee: No fee
Purchase APR: from 24.9%
Interest-free: 50 days
Foreign fee: 2.99%

Rewards

Retailer cashback available through Virgin Money Cashback feature in the credit card app. Access to exclusive offers via Virgin Red app.

Our verdict

What stands out, and where it falls short.

What we like

Retailer cashback available through Virgin Money Cashback feature in…
No card fee
50-day interest-free period

Worth weighing

2.99% foreign transaction fee

Who It Is For

Whether the Virgin Money All Round Credit Card (20 Month) fits how you actually spend.

Pick it if you are

Anyone who wants a low-cost everyday card
People who want rewards on their spending

Skip it if you are

Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in GBP.

Card fee: No fee
Purchase APR: from 24.9%
Interest-free period: 50 days
Foreign transaction fee: 2.99%
Representative APR: 24.9% variable
0% purchase period: Up to 20 months
0% balance transfer period: Up to 20 months (2.95% fee)
0% money transfer period: 12 months (4% fee)
Cash advance fee: 5% (29.9% APR)

Rewards and features

Rewards: Retailer cashback available through Virgin Money Cashback feature in the credit card app. Access to exclusive offers via Virgin Red app.
Pay with: Apple Pay, Google Pay, Contactless
Interest-free days: Up to 50 days on purchases
Foreign transaction fee: 2.99%

Benefits and perks

Extras that come bundled with the card.

0% balance transfer for 20 months

No interest on balance transfers for 20 months (2.95% fee; transfers must be within first 60 days)
Retailer cashback

Access to bonus cashback with selected major retailers via Virgin Money Credit Card app

Eligibility

What you need before you apply.

Minimum income: £7,000 p.a.
Residency: UK residents aged 18+

Virgin Money All Round Credit Card (20 Month): your questions answered

Does the Virgin Money All Round Credit Card (20 Month) have a card fee?

No - the Virgin Money All Round Credit Card (20 Month) has no card fee.

What rewards does the Virgin Money All Round Credit Card (20 Month) earn?

The Virgin Money All Round Credit Card (20 Month) earns Retailer cashback available through Virgin Money Cashback feature in the credit card app. Access to exclusive offers via Virgin Red app..

Does the Virgin Money All Round Credit Card (20 Month) charge foreign transaction fees?

Yes - the Virgin Money All Round Credit Card (20 Month) charges a 2.99% foreign transaction fee.

Is there an interest-free period on the Virgin Money All Round Credit Card (20 Month)?

Yes - up to 50 days interest-free when you pay your balance in full by the due date.

What is the interest rate on the Virgin Money All Round Credit Card (20 Month)?

The Virgin Money All Round Credit Card (20 Month) has a purchase APR of from 24.9%.

Is the Virgin Money All Round Credit Card (20 Month) a credit, debit or prepaid card?

The Virgin Money All Round Credit Card (20 Month) is a credit card issued by Virgin Money on the Mastercard network.

Does the Virgin Money All Round Credit Card (20 Month) support Apple Pay and Google Pay?

Yes - the Virgin Money All Round Credit Card (20 Month) works with both Apple Pay and Google Pay.

Where can I get the Virgin Money All Round Credit Card (20 Month)?

The Virgin Money All Round Credit Card (20 Month) is currently offered in United Kingdom.

How does DebitCue rate the Virgin Money All Round Credit Card (20 Month)?

DebitCue rates the Virgin Money All Round Credit Card (20 Month) 4.5 out of 5 (9.0/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the Virgin Money All Round Credit Card (20 Month)?

Use the Apply now button to continue on Virgin Money's secure site. Comparing and applying through DebitCue is free.