Virgin All Round credit card UK, the all‑rounder for 18 months 0% balance transfers, interest‑free purchases and Virgin Red perks

Why the Virgin All Round credit card works for UK households

The Virgin All Round credit card is a proper all-rounder for people who need flexibility: 18 months 0% balance transfers, 3 months interest-free on purchases and 12 months for money transfers. If you want to clear higher-rate debt or spread a big purchase without immediate interest, this card is designed to fit those needs.

Beyond the headline rates, the Virgin All Round credit card plugs you into the Virgin Red ecosystem, so holiday and travel perks come as standard extras. For Brits who value straightforward offers and perks that actually get used on holidays or weekend breaks, this card has clear appeal.

Costs, fees and what to watch out for

There are some costs to weigh up: balance transfers carry a 3% fee for the first two months, then 5% afterwards, and the representative APR is 24.9% variable once introductory deals finish. That means you must plan transfers and purchases carefully so you clear amounts before the interest-free windows end.

Applicants with lower credit scores may find they don’t qualify, and better single-purpose deals exist if you only need a long balance transfer or a long purchase offer. Still, for mixed needs the Virgin All Round credit card blends value with reasonable ongoing rates when compared to many mainstream UK cards.

Applying, managing online and keeping control

Applying for the Virgin All Round credit card is straightforward via the Virgin Money online eligibility checker; it gives a soft search estimate so your credit file isn’t hit at first. If the initial check looks good, the formal application and full credit check are quick and often give an instant decision.

Once you’ve got the card, Virgin Money’s online portal and app make managing payments simple: paperless statements, autopay setup and quick balance transfer requests keep you in control. Use autopay to avoid missed payments and protect that credit score while you make the most of the 0% periods.

How to maximise benefits and when to choose alternatives

To get the most from the Virgin All Round credit card, prioritise clearing transferred balances within the 18-month window and push one-off purchases into the 3-month interest-free window. Combine that discipline with Virgin Red offers for travel savings so the card pays back in both financial and lifestyle terms.

If your goals are very specific – such as a single long balance transfer or long interest-free purchases – compare this card with specialist offers from Santander, Tesco or M&S. For many households needing a flexible, everyday solution, the Virgin All Round credit card remains a top contender, balancing perks, manageable APR and handy introductory periods.