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Virgin Money Low Rate Credit Card review: Long intro p.a.!

If you need a low-interest card with other benefits, read our Virgin Money Low Rate Credit Card review to learn this card's pros and cons!

Virgin Money Low Rate Credit Card: 0% intro p.a. for 36 months!

This credit card has excellent rates, and this review will show you how it works. Source: The Mister Finance.
This credit card has excellent rates, and this review will show you how it works. Source: The Mister Finance.

Reading our Virgin Money Low Rate Credit Card review could be a good option if you’re looking for a low-interest credit card. This card has a long introductory interest rate offer and low rates after that!

Virgin Money Low Rate credit card

How to apply for the Virgin Money Low Rate card

In the market for a card with low rates and great perks? If so, read our post to learn how to apply for the Virgin Money Low Rate Credit Card!

Credit ScoreGood.
P.A.0% intro p.a. for 36 months on balance transfers, and there will be no balance transfer fees (limited offer);
11.99% variable p.a. on purchases.
Annual Fee$99.
FeesCash advance rate: 21.69% p.a.
Welcome bonusNo welcome bonus besides the 0% intro p.a. for balance transfers.
RewardsN/A.

Also, with this card, you can get 0% intro p.a. periods to help you save even more money while using your card. Plus, you can get other payment options and insurance benefits.

Therefore, if this can be the perfect card that suits your financial needs, keep reading our Virgin Money Low Rate Credit Card review!

How does the Virgin Money Low Rate Credit Card work?

The Virgin Money Low Rate Credit Card offers incredible perks for you to save money more easily. For example, you can get low purchase rates and 0% intro p.a.

Also, you can get a 0% intro p.a. for 36 months on balance transfers. And during this period, you won’t have to pay balance transfer fees.

Moreover, you can get up to 55 days with no interest on retail purchases (Valid for while you have a balance transfer). And besides all these incredible perks, you can get incredible Visa benefits!

Virgin Money Low Rate Credit Card benefits

With the low interest, you can use this credit card for every purchase. Source: Freepik.
With the low interest, you can use this credit card for every purchase. Source: Freepik.

As you can see, the Virgin Money Low Rate Credit Card offers its cardholders incredible benefits related to low-interest rates and fees.

Moreover, you can get great Visa benefits. For example, you’ll get access to Visa payWave and be able to make convenient payments with the sensor.

Also, you can access Visa’s Zero Liability policy to keep your card and money as safe as possible.

However, this card also has some downsides. So, read our pros and cons list below to learn more about the Virgin Money Low Rate Credit Card!

Pros

  • Balance transfer intro p.a.;
  • Access to Visa benefits;
  • Zero Liability program;
  • Low variable purchase rate of 11.99% p.a.

Cons

  • There is only a lower annual fee during the first year. After that, the annual fee gets a bit high;
  • There are no rewards programs;
  • You can’t get any welcome bonuses besides the 0% intro p.a. for balance transfers.

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How good does your credit score need to be?

You can’t have a low score if you want this credit card to get all its benefits with low rates and perks. You’ll need a credit score of at least a good level to qualify.

So, ensure you have the right score before starting the application process!

How to apply for the Virgin Money Low Rate Credit Card?

You can easily apply for this card through the official website. Moreover, you only need to provide the personal information and required documents.

Plus, as we mentioned, you’ll need a good credit score to have more chances of approval.

Virgin Money Low Rate credit card

How to apply for the Virgin Money Low Rate card

In the market for a card with low rates and great perks? If so, read our post to learn how to apply for the Virgin Money Low Rate Credit Card!

About the author  /  Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by  /  Aline Barbosa

Senior Editor

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