Representative Example

Logo	Name	Purchase Rate	Balance Transfer Rate	Representative APR / Annual Interest Rate	Maximum Credit Limit	Fee/Fee Type	Card Info	Card Benefits	Apply
	Virgin Balance Transfer Credit Card	0% interest on purchases for 3 months*	0% on balance transfers for 20 months*. Rate and handling fee of 2.99% applies to transfers made in the first 60 days. )	Representative example: 16.8% p.a. (variable) on card purchases, equivalent to 16.8% APR representative (variable) based on a credit limit of £1200	Minimum credit limit : none Maximum credit limit: Subject to status	No Annual Fee		With the longest balance transfer period of all our credit cards, the Virgin Balance Transfer Credit Card is the best way to buy yourself some time, while enjoying an introductory period on interest-free purchases. Get More Details
	Virgin Atlantic American Express® Credit Card from Bank of America	0% on card purchases for 3 months from the date your account is opened	0% p.a. intro rate on balances transfers for 6 months from the date your account is opened. 2% handling fee applies	Representative example: 18.9% p.a. (variable) on card purchases, equivalent to 47.2% APR representative (variable) based on a credit limit of £1200	Credit Limit Variable	Annual fee of £140		2 Flying Club mile for every £1 spent on card purchases using your card, 6,000 bonus Flying Club miles upon first spend Get More Details
	Virgin Atlantic American Express® White Credit Card from Bank of America	0% on card purchases for 3 months from the date your account is opened	0% p.a. intro rate on balances transfers for 6 months from the date your account is opened. 2% handling fee applies	Representative example: 17.9% p.a. (variable) on card purchases, equivalent to 17.9% APR representative (variable) based on a credit limit of £1200	Credit Limit Variable	No annual fee - this card won't cost you a penny extra to carry		1 Flying Club mile for every £1 spent on card purchases using your card, 1 Flying Club miles for every £1 spent on your card direct with Virgin Atlantic or Virgin Holidays, 3,000 bonus Flying Club miles upon first spend . Get More Details

The Virgin Credit Card remains the king of the balance transfer credit card within the UK.  The balance transfer period of 14 months is the longest of any of the top credit cards in the market.  The balance transfer period combined with the very competitive and attractive purchase rate makes the Virgin Credit card the choice of many UK consumers.

The purchase rate is in line with other top credit cards in the market. The 3 months 0% on purchases is now the standard in the industry.

Advantages

• Great balance transfer interest rate
  
• One of the longest balance transfer term of the major cards in the UK.  19 months from time card is approved.

Disadvantages

• Can be expensive, so you need to be aware of interest rate changes, and fees.
  
• At this time, tough to qualify for, carefully review approval criteria

Additional Comments:
The Virgin credit card is s great card for holidays spending and any urgent purchases. The card has a very attractive balance transfer offer of zero percent (0%) period of 19 months which we have used to buy more expensive purchases.  The card is easy to apply for and after filling in a simple online form within ten days I was notified we card was on the way.

After approval, Virgin gave us a large credit limit which is very tempting to spend as it seems free money but if you read the small print the interest rate is quite high after the introduction period. This card uses the MasterCard payment system so is excepted in most stores, petrol stations, stores, etc

We would recommend this card to people who want to make a large purchases but are able to make all payments during the interest free period.  After the interest free period, this card becomes expensive.

In conclusion this card works well and if used correctly can benefit your family and offset large purchases if not can be very expensive
I would recommend this card as a secondary credit card and use a cashback card for your primary means of payment

Summary - This is one of the most desired credit card in the UK.  Full of benefits and low rates, just be careful of the rate(s) after the introductory period.

Your Virgin Credit Card comes with a fantastic discount scheme that can save you money across the Virgin group and beyond - exclusive savings no other UK credit card provider can give you. Remember to check the terms and conditions for each offer. Your Virgin Credit Card opens the door to a world of awesome Virgin discounts. Money off holidays, wine, car insurance... just by paying with your Virgin Credit Card. You'll find a whole host of money-off deals on our card benefits page

Virgin Money is a financial services company that is dedicated to making everyone better off - customers, society, staff, partners and shareholders.
Like all Virgin companies, Virgin Money was launched to give customers a better deal. We aim to offer a wide range of great value financial products that are easy to understand and sort out. In today's busy world our customers tell us it's why they choose to deal with Virgin rather than anyone else.

Visit Virgin Money UK at uk.virginmoney.com

The Virgin MasterCard offer a wealth of benefits.

Offers and Discounts

Both the Virgin Credit Card and the Virgin Prepaid MasterCard® open the doors to a world of Virgin and high street discounts. There is money off where it matters - on holidays, gyms, supermarkets, electricals, DIY and much more.

Remember to check the terms and conditions for each offer.

HIGH STREET SAVINGS
You can save £££s on our range of discounted High Street vouchers. Great savings from your favourite stores including Debenhams, Sainsbury's and Boots.

FIRST MONTH FREE WITH VIRGIN MEDIA
If you're in a cable area, get 3 services for £30 with one month FREE and FREE standard installation. Just pay with your Virgin Card to get the offer.

10% OFF AT VIRGIN WINES
Lip-smacking vino for less. And if you order something that turns out not to be to your taste, you can even get a refund! And you'll get 10% off when you pay with your Virgin Card.

A MONTH OFF AT VIRGIN ACTIVE
Get a month free when you join up with Virgin Active - just use your Virgin Card to pay.

10% OFF AT VIRGIN HOLIDAYS
City breaks, ski trips, family hols... whack 10% off the price of any hol in Virgin Holidays brochures simply by paying with your Virgin Card.

10% OFF AT VIRGIN TRAINS
Going by train? Go with 10% off a Virgin Trains Value Advance fare. Pay with your Virgin Credit Card to get your discount.

20% OFF AT VIRGIN EXPERIENCES
20% off a load of Virgin Experience Days, including high-speed driving, flying lessons, bungee jumping, pamper and spa days, hampers and loads more to choose from when you pay with your Virgin Card.

10% OFF CAR, HOME, PET AND ANNUAL TRAVEL INSURANCE
Life's necessities on a budget. Get 10% off essential cover for your car, home, holidays and pets. Yup, you guessed it - just by paying with your Virgin Card.

10% OFF AT VIRGIN MOBILE
You can now save a tidy 10% on any Pay As You Go phone you buy with your Virgin Card from our pals at Virgin Mobile. Head to a Virgin Mobile Store or Virgin Media Store.

10% OFF VIRGIN VIE AT HOME
Save money on Cosmetics, Jewellery and Homeware by shopping with your Virgin Card online. Look great, feel amazing, and turn your house into a haven.

HALF-PRICE FLIGHTS AT VIRGIN BALLOON FLIGHTS
50% off a Virgin Balloon Flight just for using your Virgin Credit Card. The sky's the limit for anyone who wants the experience of a lifetime. The perfect birthday present, anniversary gift or one-off treat.

UP TO 10% OFF AT VIRGIN HOLIDAYS CRUISES
You can get up to 10% off cruises with Virgin Holidays Cruises. Save 10% off long-haul and 5% off European cruises when you pay with your Virgin Credit Card.

Please visit Virgin for complete details on the Virgin Credit Card benefits.


About Virgin Money
Like all Virgin companies, Virgin Money was launched to give customers a better deal. We aim to offer you a wide range of great value financial products that are easy to understand and sort out. In today's busy world our customers tell us it's why they choose to deal with Virgin rather than anyone else.

Virgin Charity
It's always nice to help others and at Virgin Money we like to do our bit.

Richard Branson launched Virgin Unite in September 2004 to tackle tough social challenges using Virgin's global resources and its people. We're now focused on not just what we can raise in monetary terms, but how the many skills of Virgin staff can be put to good use.

Virgin Unite is the 'not-for-profit' entrepreneurial foundation of the Virgin Group working with great partners around the world to develop new approaches to tough social and environmental issues. Check out www.virginunite.com.

Every member of Virgin Money staff is given a free day to allow them to get involved with charitable work one day a year. As well as being totally committed to Virgin Unite, we also actively support our local community. Our staff work with local and national projects and many more take part in a wide range of fundraising - running marathons, swimathons, dragon boat racing, mountain climbing, cake baking and much more.