Virgin Money Slyce UK credit card, spread the cost, earn cashback and build your credit score

Flexible payments that fit your budget

Virgin Money Slyce is a credit card built for Brits who want the flexibility of Buy Now, Pay Later without losing the benefits of a traditional card. Use it in shops, online or abroad and then choose to spread purchases over 3, 6, 9 or 12 months depending on the purchase size and your cashflow.

The BNPL options are simple: 3 and 6 months typically have no fee, while 9 and 12 months carry a small transparent charge. Manage plans and view upcoming instalments through the Virgin Money app, keeping control of your finances from your smartphone.

Transparent fees, fee-free abroad and cashback

One big selling point of this credit card is fee-free overseas spending — handy for holidays in Europe or business trips. Virgin Money Slyce also offers cashback deals with selected retailers, so everyday spending can earn you rewards while you pay over time.

Fees are clearly signposted: short-term plans are fee-free, longer spreads come with modest percentage charges. There are no hidden foreign transaction fees, and late payment handling is straightforward, which makes it easier to plan monthly budgets in pounds (£).

Boost your credit score with everyday spending

For many UK customers, building a stronger credit profile is a priority. Virgin Money Slyce reports activity to credit reference agencies and offers in-app tools to help you track and improve your credit score as you use the card responsibly.

The product is regulated and subject to affordability checks, so it’s suitable for adults aged 18+ who can demonstrate steady income. Students, frequent travellers and shoppers who want to spread larger purchases can all benefit while building credit history.

Apply, compare and choose the right option

Applying for the Virgin Money Slyce credit card is quick online — expect a near-instant decision once you submit basic details like address, employment and income. Read the small print on repayment fees for 9- and 12-month plans and check your eligibility before applying to protect your credit score.

If you’re weighing BNPL choices, compare Virgin Money Slyce with alternatives such as Klarna, Monzo Flex, PayPal Credit or NatWest BNPL. Each has different limits, fee structures and reward schemes; for many UK shoppers, Slyce stands out thanks to fee-free overseas use, cashback and credit-building features.