Virgin Money all-round credit card: 27 months 0% interest on balance transfers, purchases and money transfers
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Virgin Money all-round credit card: 27 months 0% interest on balance transfers, purchases and money transfers

Editor 13
Editor
Found 19th Feb
Virgin Money has re-vamped its all-round credit card. It now offers:

  • 27 months 0% on purchases
  • 27 months 0% on balance transfers (2.9% BT fee)
  • 27 months 0% on money transfers (4% MT fee)
  • Standard APR 18.9%

The small print
Balance transfers and money transfers must be done in 60 days to quality for the 0% deal.

Virgin Money Back
Virgin credit card customers can also earn cashback with Virgin Money Back. To do so you need to:

  • Take out a Virgin Money credit card (obviously)
  • Go to the Virgin Money Back site and log in to browse retailers
  • Click through to shop online
  • Pay with your Virgin Money credit card

Current cashback deals include 11.4% on hotel bookings with Expedia, 19% on selected Groupon deals and 9% on Domino’s pizzas.

Why I like this card
27 months won’t be the longest 0% purchase or balance transfer deal around but it’s not bad and a decent length of time for an all-round card. You get 27 months 0% interest on money transfers (i.e. to pay off loans, overdrafts etc) too which many cards
don’t do. Watch out for the fee on money transfers though – it’s a hefty 4% although
that is fairly typical for the money transfer market.
Community Updates
Love the way the fee is left off the title. 2.9% for a BT is rubbish. Halifax do a 29 month BT with no fee. And i'm sure virgin do another card with much less fee for a money transfer
Virgin Money Deals

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Top comments
flipper1181 h, 4 m ago

I’ve also got this card and have nearly blown it all already


Perhaps you need to stop coming on this site
13 Comments
I have this card good customer service with them and no issues so for
I’ve also got this card and have nearly blown it all already
flipper1181 h, 4 m ago

I’ve also got this card and have nearly blown it all already


Perhaps you need to stop coming on this site
Richief1 h, 17 m ago

Perhaps you need to stop coming on this site


Never a truer word spoken in jest
Ideal for stoozing: placing in a high interest savings account or offsetting against your mortgage.
Nice.
Master.G2 h, 56 m ago

Ideal for stoozing: placing in a high interest savings account or …Ideal for stoozing: placing in a high interest savings account or offsetting against your mortgage.


doesn't the transfer fee outweigh any benefit from doing this?
Master.G4 h, 52 m ago

Ideal for stoozing: placing in a high interest savings account or …Ideal for stoozing: placing in a high interest savings account or offsetting against your mortgage.


How can you do that? Unless you have money transfer i can only put extra on my mortgage as a standing order or direct bank transfer. No way to make a card payment
Good Tip

If you want CASH £££££££££s in hard ready cash, but the cash rate is too high or your card won't allow it...

Then you have a second credit card, regular CC which you have £0 balance on...

On the one with free/low balance transfer rate to another CC, call them up and transfer say a grand to the other long standing CC with zero balance.

After the bal transfer completed and you get your next statement from the other CC which will now show as being £1k in CREDIT....

call them up and say "hello, I seem to be in credit, please can you arrange my credit balance to my current account"..

They will transfer the credit balance of £1k to your current acc, or send you a cheque...

Go to the Bank/ATM and withdraw the cash, and you have £1k in your hands !!

Lovely
unhappybunny41 m ago

Good TipIf you want CASH £££££££££s in hard ready cash, but the cash rate i …Good TipIf you want CASH £££££££££s in hard ready cash, but the cash rate is too high or your card won't allow it...Then you have a second credit card, regular CC which you have £0 balance on...On the one with free/low balance transfer rate to another CC, call them up and transfer say a grand to the other long standing CC with zero balance.After the bal transfer completed and you get your next statement from the other CC which will now show as being £1k in CREDIT....call them up and say "hello, I seem to be in credit, please can you arrange my credit balance to my current account"..They will transfer the credit balance of £1k to your current acc, or send you a cheque...Go to the Bank/ATM and withdraw the cash, and you have £1k in your hands !!Lovely


Sounds dodge
Anon323 h, 9 m ago

How can you do that? Unless you have money transfer i can only put extra …How can you do that? Unless you have money transfer i can only put extra on my mortgage as a standing order or direct bank transfer. No way to make a card payment



What unhappy bunny says above, If you have a high interest savings account, put it there. If you have an offset mortgage, put it in one of the offsetting accounts. You have to be disciplined not to spend it then after 27 months, transfer it back to Virgin.
Thanks! Signed up and got enough to cover half of our honeymoon... I tried to sign up for the Barclaycard one yesterday but the site kept crashing...
Hi, unfortunately I wouldn't qualify for that card and I'm searching for money transfer card. Can you recommend any other I may check? I'd like to get a card which will allow me to lend around min. £5k. Thanks for suggestions
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