Virgin All Round Credit Card Review: 18 Months 0% Balance Transfers and Virgin Red Perks
Virgin All Round credit card makes 18 months of 0% balance transfers work for you while helping you cash in on Virgin Red perks across the UK
Why the Virgin All Round credit card suits UK borrowers
The Virgin All Round credit card is a versatile choice for people across the UK who want to consolidate debt or fund bigger purchases interest-free. With 0% on balance transfers for 18 months, it’s tailored to those aiming to clear existing credit card debt without piling on interest.
Available through Virgin Money, the card matches Britons’ preference for clear, online account management and straightforward perks via the Virgin Red app. If you value an easy application process and practical rewards, the Virgin All Round credit card is worth considering.
Key features, fees and Representative APR
Main selling points include 18 months 0% on balance transfers, 3 months 0% on purchases and 12 months 0% on money transfers. Note the balance transfer fee starts at 3% for the first two months then rises to 5%, and the Representative APR is 24.9% variable afterwards.
For those in the UK weighing up costs, the initial savings can outweigh the fee if you move a sizeable balance and plan repayments. The Virgin All Round credit card’s mix of interest-free windows and a competitive post-promo APR makes it a sensible one-card solution for many households.
Perks, Virgin Red and how to maximise rewards
Beyond balance transfers, the Virgin All Round credit card plugs you into the Virgin Red ecosystem where you earn perks and access travel deals across the UK and overseas. Regular spenders can make the most of seasonal offers, discounts on flights, hotels and partner brands available through the app.
To squeeze value from the card, sign up to Virgin Red, track targeted promotions and use the 0% purchase period for planned buys. The Virgin All Round credit card rewards steady management and timely repayments, turning everyday spending into usable Virgin Red benefits.
How to apply, manage online and compare alternatives
Applying for the Virgin All Round credit card is simple: check eligibility with a soft search to protect your credit score, then complete the online form for an instant decision in many cases. Virgin Money’s online portal and mobile app let you manage balances, set up direct debits and view statements paperlessly.
It’s sensible to compare options — if you only want a long balance transfer period or a longer purchase 0% term, other UK cards may suit better. Use comparison services to check likely acceptance and pick the card that matches your repayment plan; the Virgin All Round credit card remains a strong contender for those after flexibility and Virgin Red perks.
Virgin All Round credit card holders who stay disciplined with repayments can clear debt within the 18-month interest-free window and enjoy added value from Virgin Red, making this card a practical and rewarding tool for UK customers.