Virgin All Round credit card review – 0% balance transfers, travel perks and a competitive 24.9% APR in the UK

What the Virgin All Round credit card gives you

The Virgin All Round credit card packs a useful mix of interest-free offers and travel perks aimed at UK customers. It launches with 0% on balance transfers for 18 months, 0% on purchases for three months and 0% on money transfers for 12 months, helping you manage debt or finance a short-term purchase without immediate interest.

There is a balance transfer fee of 3% for the first two months, rising to 5% thereafter, and a representative APR of 24.9% variable once the introductory periods end. These clear terms make the Virgin All Round credit card a straightforward option for people who want flexibility without hidden surprises.

Why it might suit your wallet and lifestyle

The Virgin All Round credit card is designed for versatility: it suits anyone juggling existing balances, planning a one-off large buy, or who wants occasional travel perks. Its competitive APR of 24.9% makes it a reasonable longer-term rate compared with some premium travel cards, while the short interest-free purchase period helps when you need breathing room before settling a charge.

UK cardholders benefit from Virgin Red rewards and travel offers that can be redeemed for flights, hotels and experiences. If you already use Virgin services or value travel extras, the Virgin All Round credit card combines practical balance transfer terms with everyday perks via the Virgin Red app.

Costs, eligibility and applying in the UK

Application is simple online and the initial eligibility check is typically a soft search, so it should not affect your credit score. As with any application, lenders will look at your credit history and affordability, so eligibility for the Virgin All Round credit card depends on your individual profile.

Be mindful of other costs: cash withdrawals usually attract fees and interest from day one, and the 0% purchase period lasts only three months. If you keep balances after the promotional periods, the representative APR of 24.9% variable will apply, so plan repayments or consider balance transfer options before the intro term ends.

How to manage the card and get the most value

Use the Virgin Money online portal and the Virgin Red app to track transactions, redeem rewards and set up paperless statements. Setting a monthly direct debit for at least the minimum payment prevents missed payments and protects your credit score, while aiming to clear promotional balances before the end of the 0% term saves interest.

If you want to squeeze more value from the Virgin All Round credit card, compare it with specialist balance transfer or travel cards after the promo ends. Switching or applying for a new introductory offer can be a smart move, but always check eligibility and the long-term APR to keep your finances on track.